Privacy Policy

Sapiex Technologies Pvt. Ltd. (“Company”, “we”, “us”, or “our”) operates the website staycomplied.in (“Platform”) and provides regulatory intelligence tools for Indian NBFCs and Urban Cooperative Banks (“Services”).

We respect your privacy and are committed to protecting your personal information. This Privacy Policy (“Policy”) explains how we collect, use, and safeguard information when you use our Platform and Services.

By accessing or using the Platform, you consent to the practices described in this Policy. If you do not agree with any part of this Policy, please do not use the Platform.

StayComplied is designed so that your institution’s sensitive data never leaves your device. We serve regulatory intelligence — Master Directions, obligation checklists, penalty data, and compliance parameters — to your browser. All computation on your institution’s financial data (loan books, CRAR inputs, NPA figures) happens client-side, on your machine, under your control.

We do not store, process, or transmit your institution’s customer PII, financial records, or loan-level data to our servers.

Information You Provide Directly

• Account information: Name, work email address, institution name, entity type, and role when you sign up or join our waitlist.
• Communications: Information you provide when contacting us via email at hello@staycomplied.in or through our Platform.

Information Collected Automatically

• Usage data: Pages visited, features used, time spent on the Platform, and interaction patterns.
• Device information: Browser type, operating system, screen resolution, and IP address.
• Cookies: We use essential cookies for authentication (via Clerk) and session management. We do not use advertising or third-party tracking cookies.

Information We Do Not Collect

• Customer PII of your institution’s borrowers or depositors
• Loan books, financial statements, or balance sheet data
• Data entered into our client-side tools (CRAR Calculator, NPA Classifier)

We use the information we collect to:

1. Provide, maintain, and improve the Platform and Services
2. Process your waitlist registration or account creation
3. Send product updates, regulatory alerts, and service notifications
4. Respond to your queries and provide customer support
5. Monitor Platform usage to improve performance and user experience
6. Comply with applicable laws and regulatory requirements
7. Enforce our Terms of Use and protect against misuse

We use Clerk as our authentication provider for account sign-up and sign-in, including Google OAuth. Clerk processes your authentication data in accordance with their privacy policy. We receive your name, email, and profile information from Clerk to maintain your account.

Account and waitlist data is stored on infrastructure hosted in secure, managed environments. We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These include:

• Encryption of data in transit (TLS/HTTPS)
• Access controls and authentication for all internal systems
• Regular security reviews of our infrastructure

No method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

We do not sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:

• Service providers: With trusted third parties who assist in operating the Platform (hosting, authentication, analytics), bound by confidentiality obligations.
• Legal requirements: When required by law, regulation, legal process, or governmental request.
• Protection of rights: To enforce our Terms of Use, protect the rights, property, or safety of StayComplied, our users, or the public.
• Business transfers: In connection with a merger, acquisition, or sale of assets, with notice to you.

Subject to applicable Indian law, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information
• Withdraw consent for communications at any time

To exercise any of these rights, contact us at hello@staycomplied.in. We will respond within 30 days.

We retain your personal information for as long as your account is active or as needed to provide Services. If you request deletion of your account, we will delete or anonymise your data within 30 days, except where retention is required by law.

The Platform may contain links to third-party websites (e.g., RBI publications). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

We may update this Policy from time to time. Material changes will be notified via the Platform or email. Your continued use of the Platform after changes constitutes acceptance of the updated Policy.

For questions or concerns about this Privacy Policy, contact us at: