Privacy Policy

Part I: General Provisions

1. Introduction

Welcome to Credit Card Services: Apply, Track & Support | Authorized Partner. We respect the privacy of our users and are committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the website.

2. Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms. If you do not agree with our policies and practices, your choice is not to use our Website.

3. Scope of Policy

This policy applies to information we collect: On this Website; In email, text, and other electronic messages between you and this Website; Through mobile and desktop applications you download from this Website.

4. Data Controller

For the purposes of the General Data Protection Regulation (GDPR), Credit Card Services: Apply, Track & Support | Authorized Partner is the Data Controller of your personal information.

Part II: Information We Collect

5. Personal Identity Information (PII)

We collect PII that you voluntarily provide to us when you register on the Website, express an interest in obtaining information about us or our products and services, when you participate in activities on the Website.

6. Contact Data

Includes billing address, delivery address, email address, and telephone numbers used for application verification and OTP services.

7. Financial Data

Includes PAN Card Number, Income Range, and Employment Status necessary for credit card eligibility checks. Note: We do NOT collect full Credit Card Numbers, CVV, PINs, or Netbanking Passwords.

8. Transaction Data

Includes details about payments to and from you and other details of products and services you have purchased or applied for from us.

9. Verification Data

Includes PAN Card Number, Aadhaar Number (stored in encrypted format), and Date of Birth required for KYC norms.

Part III: Technical Data Collection

10. Internet Protocol (IP) Address

We collect your IP address to diagnose problems with our server, administer our Website, and analyze traffic patterns.

11. Browser & Device Information

We collect information about the computer or mobile device you use to access our Services, including the hardware model, operating system and version, and unique device identifiers.

12. Log Files

Credit Card Services: Apply, Track & Support | Authorized Partner follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics.

13. Location Data

We may use and store information about your location if you give us permission to do so. We use this data to provide features of our Service, to improve and customize our Service.

14. Clickstream Data

We collect info on the "clickstream" regarding your visit, including the full Uniform Resource Locators (URL), items you viewed or searched for, page response times, and download errors.

Part IV: Cookies & Advertising Technologies

15. Use of Cookies

We use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

16. Session Cookies

We use Session Cookies to operate our Service. These expire once you close your web browser.

17. Preference Cookies

We use Preference Cookies to remember your preferences and various settings.

18. Security Cookies

We use Security Cookies for security purposes to prevent fraud.

19. Web Beacons

Pages of our the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs).

20. Google AdSense & DoubleClick DART Cookie

Google is one of a third-party vendor on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to our site and other sites on the internet.

21. Opting Out of DART Cookies

Visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads

22. Advertising Partners

Some of advertisers on our site may use cookies and web beacons. Our advertising partners include Google AdSense, AdMob, and other affiliate banking networks.

23. Third-Party Privacy Policies

Credit Card Services: Apply, Track & Support | Authorized Partner's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information.

24. CCPA Advertising Rights

Under CCPA, among other rights, California consumers have the right to request that a business that sells a consumer's personal data, not sell the consumer's personal data.

Part V: How We Use Your Data

25. Service Provision

To provide and maintain our Service, including to monitor the usage of our Service.

26. Application Processing

To process your credit card application, verify your identity, and determine your eligibility for various financial products.

27. Communication

To contact you via email, telephone calls, SMS, or other equivalent forms of electronic communication regarding updates or informative communications.

28. Marketing

To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about.

29. Legal Compliance

To comply with applicable laws, regulations, and legal processes, such as the Prevention of Money Laundering Act (PMLA).

Part VI: Data Sharing & Disclosure

30. With Service Providers

We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.

31. With Business Partners

We may share Your information with our business partners (HDFC Bank affiliates) to offer You certain products, services or promotions.

32. With Affiliates

We may share Your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy.

33. Law Enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities.

34. Business Transfers

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition.

Part VII: Data Retention & Security

35. Data Retention Period

We will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy.

36. Deletion of Data

Upon request or expiration of retention period, we securely delete or anonymize your personal data so that it can no longer be associated with you.

37. SSL Encryption

We use Secure Socket Layer (SSL) technology to encrypt data during transmission between your browser and our servers.

38. Database Security

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights.

39. Data Breach Procedures

In the event of a data breach, we will notify users and applicable regulators within 72 hours, as required by GDPR and Indian IT Act laws.

40. International Data Transfer

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction.

Part VIII: Your Data Protection Rights

41. Right to Access

You have the right to request copies of your personal data.

42. Right to Rectification

You have the right to request that we correct any information you believe is inaccurate.

43. Right to Erasure

You have the right to request that we erase your personal data, under certain conditions.

44. Right to Restrict Processing

You have the right to request that we restrict the processing of your personal data.

45. Right to Object

You have the right to object to our processing of your personal data.

46. Right to Data Portability

You have the right to request that we transfer the data that we have collected to another organization, or directly to you.

47. Withdrawal of Consent

You also have the right to withdraw your consent at any time where the Company relied on your consent to process your personal information.

Part IX: Miscellaneous

50. Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13.

51. Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites.

52. Changes to Privacy Policy

We may update our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

53. Notification of Changes

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

54. Governing Law

These terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

55. Contact Us

If you have any questions about this Privacy Policy, You can contact us:

• By email: compliance@www.bank-creditcard.info
• By visiting this page on our website: www.bank-creditcard.info/contact
• By WhatsApp: +91 919832611833