Privacy Policy for Card Genius

 

Last Updated: [23-08-2025]

Website: https://www.cardgenius.co.in

1. Introduction

Welcome to Card Genius (“we,” “our,” “us”). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website cardgenius.co.in (the “Site”) and use our services.

By accessing our Site and using our services, you consent to the practices described in this policy. If you do not agree with the terms of this policy, please do not access the Site.

2. Information We Collect

We collect information to provide, improve, and personalize our services. The types of information we collect include:

1. a) Personal Information You Provide Voluntarily:

• Contact Information: Name, email address, phone number when you subscribe to our newsletter, create an account, or contact us.
• Demographic Information: Age, gender, city, income range (optional) to personalize card recommendations.
• Content: Questions, reviews, or feedback you submit on our Site.
• Financial Preferences: Information about your spending habits, financial goals, and card preferences to tailor our services.

1. b) Information Collected Automatically:

• Log Data: Your IP address, browser type, Internet Service Provider (ISP), pages you visit on our Site, time and date of visit, time spent on pages, and other diagnostic data.
• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to track activity on our Site, remember your preferences, and enhance user experience. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

1. c) Information from Third Parties:

• We may receive information about you from other sources, such as social media platforms (if you interact with us through them) and analytics providers (like Google Analytics).

3. How We Use Your Information

We use the information we collect for the following purposes:

• To Provide and Maintain Our Service: To operate the Site, provide card comparisons, reviews, and offer information.
• To Personalize Your Experience: To suggest credit cards and offers that are most relevant to your profile and preferences.
• To Communicate With You: To send you newsletters, promotional materials, alerts about new offers, updates, and administrative information (like security updates). You can opt-out of marketing communications at any time.
• To Improve Our Site: To analyze how users interact with our Site, which helps us improve our content, features, and functionality.
• To Process Your Requests: To respond to your comments, questions, and customer service requests.
• For Security and Fraud Prevention: To protect the Site and our users from malicious activity.

4. Legal Basis for Processing (Under Indian Law)

We process your personal information based on the following legal grounds:

• Your Consent: For example, when you sign up for our newsletter.
• Performance of a Contract: To provide the services you request.
• Legitimate Interests: To improve our services, for marketing (where we have a legitimate interest), and for security, provided your fundamental rights do not override those interests.
• Legal Compliance: To comply with applicable Indian laws and regulations.

5. How We Share Your Information

We value your trust and do not sell your personal information to third parties. We may share information in the following limited circumstances:

• With Your Consent: We may share information when you give us explicit permission to do so.
• Service Providers: We employ trusted third-party companies and individuals (“Service Providers”) to facilitate our Service (e.g., cloud hosting, data analysis, email delivery, marketing). These providers have access to your information only to perform tasks on our behalf and are obligated not to disclose or use it for any other purpose.
• For Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as a business asset.
• To Protect Rights: If required by law or in response to valid requests by public authorities (e.g., a court or a government agency), we may disclose your information to comply with a legal obligation, protect our rights, prevent wrongdoing, or ensure the safety of our users and the public.

6. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy, to comply with our legal obligations, resolve disputes, and enforce our policies.

7. Your Data Protection Rights

Under Indian IT laws and regulations, you have the following rights regarding your personal data:

• Right to Access and Correction: You can access, review, and update the personal information you have provided to us. You can often do this by logging into your account.
• Right to Withdraw Consent: Where we rely on your consent, you can withdraw it at any time. This will not affect the lawfulness of processing based on consent before its withdrawal.
• Right to Erasure: You can request that we delete the personal information we hold about you.
• Right to Object: You can object to our processing of your personal information.
• Right to Grievance Redressal: You have the right to address any grievances you may have regarding our handling of your information.

To exercise any of these rights, please contact us using the details provided in the “Contact Us” section below.

8. Data Security

We implement appropriate technical and organizational security measures designed to protect the security of your personal information. We use standard SSL (Secure Socket Layer) encryption technology to protect data transmissions. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

9. Children’s Privacy

Our Site is not intended for individuals under the age of 18 (“Children”). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us.

10. Links to Other Sites

Our Site may contain links to other websites, such as bank websites for credit card applications. This Privacy Policy applies only to our Service. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We strongly advise you to review the Privacy Policy of every site you visit.

11. Changes to This 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 and updating the “Last Updated” date. You are advised to review this Privacy Policy periodically for any changes.

12. Grievance Officer

In compliance with the Information Technology Act, 2000 and rules made thereunder, we have appointed a Grievance Officer. You can contact the officer at:
Name: Mr.Swaraj Jain
Email: [ask@cardgenius.co.in]

The Grievance Officer will address your concerns within 30 (thirty) days from the date of receipt of the grievance.

13. Contact Us

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

• By email: [ask@cardgenius.co.in]
• By visiting this page on our website: https://www.cardgenius.co.in/contact