By accessing and/or using our website creditcardsindia.com (“Website”), any of its pages, services offered through website and any other services related to Company being offered through our other co-branded website or website linked with the Website (the “Service”) you signify that you have read, understood and agreed to the collection, storage, use and disclosure of your Personal Information as described in this Policy. “Personal Information” (which may be a Sensitive Information “SI”) means any information/documents/details that relates to a natural person or an artificial person, which either directly or indirectly, in combination with other information available or likely to be available with the Company, is capable of identifying such person including but not limited to details pertaining to your name, parentage, marital status, nationality, state of residence, city of residence, email address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image or any documents, if and as may be which may be provide or accepted for concluding a financial transaction.
1. Information We Collect, and How We Collect It
Information That You Provide. We collect information and personal information from you that you provide to us. For example, when you sign up for the Service, we collect your email address. Also, if you contact us, we will collect the information that you provide us, such as your contact information and the contents of your communication with us.
Information We Receive from Social Networking Sites. When you interact with our site through various social media, such as when you Like us on Facebook, share us on Twitter, or click on any of the social media plugins available on our website, we may receive information from the social network including your profile information and any other information you permit the social network to share with third parties. The data we receive is dependent upon your privacy settings with the social network, so please adjust your privacy settings on these third-party websites if necessary.
Information We Receive from Third Parties. From time to time, we may receive information about you from third parties and other users. We may also collect information about you that is publicly available.
We use personal information to operate, maintain, and provide to you the features and functionality of the Service, as well as to communicate directly with you, such as to send you email messages. We may also use information to provide personalized content, including advertising. We may also send you Service-related emails or messages. For more information about your communication preferences, see “Your Choices Regarding Your Information” below.
That Is Automatically Collected (Cookies and Other Technologies). When you visit our website or use our Service, we and our business partners may collect certain information about your computer or mobile device through technology such as cookies, web beacons, log files, or other tracking/recording tools. The information we collect through the use of tracking technologies includes, but is not limited to, IP address, browser information, referring/exit pages and URLs, click stream data and information about how you interact with links on the website, mobile app, or Service, domain names, landing pages, page views, and cookie data that allows us to uniquely identify your browser and track your browsing behavior on our site. We may also use clear gifs or other technology in HTML-based emails sent to our users to track, which emails are opened and which links are clicked by recipients. Some or all of this data may be combined with other personally identifying information described above. We may also collect analytics data, or use third-party analytics tools, to help us measure traffic and usage trends for the Service and to understand more about the demographics of our users. These tools collect information sent by your browser or mobile device, including the pages you visit, your use of third party applications, and other information that assists us in analyzing and improving the Service. We may work with third parties to employ technologies, including the application of statistical modeling tools, which attempt to recognize you across multiple devices. Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to Do Not Track signals from your browser at this time.
When you access our Service by or through a mobile device, we may receive or collect and store a unique identification numbers associated with your device or our mobile application (including, for example, a UDID, Unique ID for Advertisers (“IDFA”), Google Ad ID, or Windows Advertising ID or other identifier), mobile carrier, device type, model and manufacturer, mobile device operating system brand and model, phone number, and, depending on your mobile device settings, your geographical location data, including GPS coordinates (e.g. latitude and/or longitude), WiFi location or similar information regarding the location of your mobile device.
We use or may use the data collected through these technologies to: (a) remember information so that you will not have to re-enter it during your visit; (b) provide custom, personalized content and information, including advertising; (c) identify you across multiple devices; (d) provide and monitor the effectiveness of our Service; (e) monitor aggregate metrics such as total number of visitors, traffic, usage, and demographic patterns on our website and our Service; (f) diagnose or fix technology problems; and (g) otherwise to plan for and enhance our service.
2. Sharing of Information
We may share your personal information in the instances described below. We may share with:
(i) partners, service providers, subcontractors, partners, vendors, consultants, and others that perform services on our behalf;
(ii) Our affiliates, parent companies, subsidiaries, and other related companies, who may use this information as described in this Policy;
(iii) To third parties for third party research, marketing or advertising (including online advertising) purposes;
(iv) To third parties to respond or comply with, in our sole discretion, a court order, subpoena, law enforcement or other government request (with or without notice to you, in our discretion);
(v) In connection with any company transaction, such as a merger, sale of all or a portion of company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by another company or third party or in the event of bankruptcy or related or similar proceedings;
(vi) To other third parties with your consent or upon your consent; and
(vii) To third parties, in our discretion, to: (i) satisfy any applicable law or regulation; (ii) enforce this Policy, including the investigation of potential violations thereof; (iii) investigate and defend ourselves against any third party claims or allegations; or (iv) protect against harm to the rights, property or safety of us, the Service, other Service users, or third parties.
3. Your Choices Regarding Your Information
We strive to give you choices about how your personal information is used. These choices include the following:
Marketing or Newsletter Emails. We may provide our registered customers with periodic emailers and email/SMS alerts. We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting the Company and/ or third-party products. Website subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails, if any. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts. The above services are also provided by our partners.
4. Data Protection
We take what we believe to be commercially reasonable steps to help protect Personal Information that we collect, but we do not guarantee that personal information will be completely protected. For example, the transmission of information via the Internet is not completely secure. Any transmission of personal information by you is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Service, including the illegal acts of third parties (such as hacking).
5. Data Retention
We tend to keep personal information for as long as we deem necessary for our business purposes, or as otherwise required to operate the Service, comply with your requests, or comply with applicable law.
6. Information from Children
The Service is not directed to individuals under the age of 18, and we do not knowingly collect Personal Information from individuals under the age of 18.
7. Third Party Websites
The Service may provide links to third party websites and online services. For example, when you click on a link to learn more about a particular card, you may be taken to a third party website that is not owned or controlled by us. Also, part of our Service available on our website may be supplied by a third party. This Policy does not describe the privacy practices of those third party websites or services. Please review the privacy policies of those websites or services before providing personal information to them.
8. Express Consent
You while providing the details/documents over the Website, including but not limited to Personal Information as mentioned hereinabove, expressly consent to the Company (its affiliates and business partners) to contact you, to make follow up calls in relation to the services provided through the Website, for imparting product knowledge, offering promotional offers running on Website & various other offers offered by its partners on the Sites.
The usage of the Website may also require you to provide consent for keying in/ uploading your Personal Information and Sensitive Information (including but not limited to user ids and passwords), as may be necessary to process your application through the Website. Sensitive information keyed in/ uploaded shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you.
In furtherance to your usage of the Website, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you for this purpose. Hence, there is no DNC / DND check required for the number you have left on our Website. Such modes of contacting you may include sending SMSs, email alerts and / or telephonic calls.
The Company reserves the right (and you expressly authorize the Company) to share or disclose your Personal Information/ Sensitive Information when the Company determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.
9. Updates to This Policy
The Company reserves the right at any time, at its sole discretion, to change or otherwise modify the Policy without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Policy. . It is strongly recommended for you to return to this page periodically to review the most current version of the Policy.
10. Contacting Us
E-mail: Click here
This Policy is inter alia applicable to the Personal Information (as defined below) and other information which are shared/ provided by you, as and when you avail the services through usage of Website and which the Company may become privy to. By visiting and/or using our Website, you agree to this Policy. Further, this policy applies to all current and former visitors to the Website and to our online customers