ScopeCred is in CLOSED BETA / pre-launch. Demo mode — no real funds, no production accounts. Public registration coming soon.

Privacy Policy

Compliant with revDPA / nDPA (Switzerland) and GDPR (EU). Last updated: 27/06/2026

1. Data Controller

BEARER · Rajendran — Bhirannavan Rajendran, Neufeldstrasse 116, 3012 Bern, Switzerland.

Email: rajendran.bhirannavan@gmail.com

Due to the small size, there is no obligation to appoint a data protection advisor (Art. 10 revDPA).

2. Data we process

  • Account data: email, password hash (bcrypt), handle, language, skills, bio.
  • Project data: title, description, budget, status, ratings.
  • Payment data: Stripe checkout session IDs, amounts, currencies. Credit card data is processed exclusively by Stripe — we do not store it.
  • Technical data: IP address (truncated), user agent, timestamps, API logs (for abuse detection, rate-limiting).
  • Cookies: only functional cookies (login token, language choice, banner dismissal). No tracking, no analytics, no advertising cookies.

3. Purposes and legal bases

  • Contract performance (Art. 31(2)(a) revDPA / Art. 6(1)(b) GDPR): account management, project and escrow processing, payment processing.
  • Legitimate interest (Art. 31(1) revDPA / Art. 6(1)(f) GDPR): IT security, abuse prevention, logs, rate-limiting.
  • Legal obligation (Art. 31(1) revDPA / Art. 6(1)(c) GDPR): tax and accounting retention obligations (10 years under Swiss CO).
  • Consent (Art. 6(6) revDPA / Art. 6(1)(a) GDPR): optional newsletter / marketing emails (currently inactive).

4. Processors and recipients

We use the following providers. Data processing agreements (DPAs) are in place with all of them:

  • Stripe Payments Europe Ltd. (Irland) — Zahlungsabwicklung. Privacy: stripe.com/privacy
  • MongoDB Atlas (EU-Region) — Datenbank-Hosting.
  • Emergent Labs Inc. (USA) — Application Hosting & LLM Gateway.
  • CoinGecko (Singapur) — öffentliche Wechselkurse (keine Personendaten übermittelt).
  • OpenAI / Anthropic / Google (via Emergent LLM Gateway) — AI-Match-Scoring (anonymisierte Skill-Strings, keine Identifikatoren).

Data transfer to third countries (USA): based on EU Standard Contractual Clauses and/or adequacy decision.

5. Retention period

  • Account data: until deletion by the user.
  • Invoice and payment data: 10 years (Art. 958f Swiss CO / § 147 AO).
  • Server logs: 90 days, then automatic deletion.
  • Inactive accounts: deletion after 24 months of inactivity (with prior notice).

6. Your rights

You have the following rights at any time (Art. 25 et seq. revDPA / Art. 15 et seq. GDPR):

  • Access to data stored about you.
  • Rectification of inaccurate data.
  • Erasure ("right to be forgotten") — unless legal retention obligations apply.
  • Restriction of processing.
  • Data portability (machine-readable format).
  • Objection to processing based on legitimate interests.
  • Withdrawal of consent (with effect for the future).
  • Complaint to the FDPIC (Switzerland) or an EU data protection authority.

In the dashboard you will find endpoints for self-service data export and account deletion.

7. Cookies and local storage

We use only technically necessary cookies and localStorage entries:

  • sc_token — JWT-Login-Token (Session)
  • sc_lang — Sprachwahl (DE/EN)
  • sc_beta_dismissed — Banner-Status
  • sc_cookie_consent — Cookie-Banner-Zustimmung

No advertising cookies, no tracking, no third-party analytics.

8. Security

  • Transport encryption (TLS 1.3) via HTTPS.
  • Password hashing with bcrypt (cost factor 12).
  • JWT with short lifetime and token rotation.
  • Rate-limiting and brute-force protection on all auth endpoints.
  • Idempotency keys on financial endpoints to prevent double-bookings.

9. Changes to this policy

We reserve the right to update this privacy policy. The current version is always available on this page.

Cookies & Privacy

We only use technically necessary cookies (login, language, banner state). No tracking, no analytics, no third-party advertising. Learn more