Privacy Policy

This Privacy Policy applies to schemesinindia.in. The site is owned and operated by Sanket Ghogare (the "Operator", "we", "us", or "our"), based in Pune, Maharashtra, India. For any privacy question or grievance, write to contact@schemesinindia.in.

1. Information We Collect

You do not need an account to read this site. We do not ask for your name, phone number, or Aadhaar. When you visit a page, our analytics provider automatically records standard web data: pages viewed, time on page, referrer, device type, browser, and an approximate (city-level) location derived from your IP. This data is aggregated and used only to understand which scheme guides are useful.

2. How We Use Your Information

We use the data above to (a) measure traffic and improve content, (b) detect abuse and keep the site available, and (c) show advertising that helps fund this free resource. We do not sell your personal data, and we do not build user profiles ourselves.

3. Cookies & Tracking Technologies

We use cookies and similar technologies for analytics and advertising. Cookies are small text files placed on your device. You can clear or block cookies in your browser settings, but parts of the site may not work as expected. You can opt out of Google Analytics using the Google Analytics Opt-out Browser Add-on.

4. Third-Party Services

We rely on the following third-party services. Each has its own privacy policy and processes data under its own terms:

• Google AdSense — serves advertisements on our pages.
• Google Analytics (GA4) — measures site traffic and user behaviour.
• Cloudflare — provides CDN, DNS, and basic security against abuse.

5. DART Cookie Disclosure

Google, as a third-party vendor, uses cookies to serve ads on your site. Google's use of the DART cookie enables it to serve ads to users based on their visit to your sites and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at https://www.google.com/policies/technologies/ads/.

You can also manage personalised ads in Google Ads Settings or opt out of third-party vendor cookies via aboutads.info.

6. Region-Gated Consent

We use Google Consent Mode to respect regional rules. For visitors from the EEA, the UK, and Switzerland, advertising and analytics cookies are denied by default in line with the EU User Consent Policy and GDPR — they only fire if you actively consent. For visitors from India and other non-EEA regions, consent is granted by default (as permitted by local law) so the site can be funded by advertising; you can still opt out using the browser and Google links above.

7. Data Retention

We do not store personal user data on our own servers. Aggregated analytics data is retained by Google Analytics for up to 14 months under standard GA4 settings. Server and CDN logs (IP, request path, user agent) are retained by Cloudflare for a short rolling window for security purposes only.

8. Your Rights (DPDP Act 2023)

Under India's Digital Personal Data Protection Act, 2023, you have the right to (a) access a summary of personal data we process about you, (b) request correction or erasure of such data, (c) withdraw consent at any time, and (d) file a grievance with our Grievance Officer (see section 10). To exercise any of these rights, email contact@schemesinindia.in with the subject line "DPDP Request". We respond within 30 days.

9. Children's Privacy

This site is a general information resource and is not directed at children. We do not knowingly collect personal data from anyone under the age of 18. If you believe a child has provided personal data to us, write to us and we will delete it.

10. Grievance Officer & Contact

In accordance with the Information Technology Act, 2000 and the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, the Grievance Officer is:

Sanket Ghogare
Grievance Officer, schemesinindia.in
Pune, Maharashtra, India
Email: contact@schemesinindia.in

11. External Links

Our pages link to official government portals and other third-party websites. We are not responsible for the privacy practices or content of those external sites — please read their privacy policies before sharing any data.

12. Changes to This Policy

We may update this Privacy Policy as services or law change. Updates will be posted on this page with a revised "Last updated" date at the top.