1. Scope
This Privacy Policy describes how we collect and process personal data in connection with Pre-Approved Card offers, marketing communications, eligibility checks, and card issuance. It applies to visitors, applicants and cardholders.
2. Information We Collect
- Identity & Contact Data: Name, date of birth, address, email, and phone number.
- KYC & ID Documents: PAN/Aadhaar, ID proofs and other documents as required for verification.
- Credit & Financial Data: Credit bureau information, income details, existing credit obligations and repayment history (for eligibility checks).
- Offer & Interaction Data: Pre-approval offer details, marketing consents, application status, clicks and responses.
- Technical & Usage Data: Device information, IP address, cookies and app logs.
3. Pre-Approval & Soft Credit Checks
For pre-approved offers we may perform soft credit checks with credit bureaus to assess eligibility. Soft checks do not impact your credit score. We will obtain your explicit consent when a hard credit inquiry is required (for final application/issuance).
4. How We Use Your Information
We use personal data to:
- Determine eligibility for pre-approved offers and provide personalized offers;
- Perform KYC and identity verification;
- Process card applications and transactions;
- Detect and prevent fraud and misuse;
- Send service-related and marketing communications (with your consent);
- Comply with legal and regulatory obligations.
5. Data Sharing
We share data with parties necessary to provide our services: credit bureaus (for checks), banks and card issuers, payment processors, KYC vendors, trusted service providers (cloud, analytics, communication), and regulators/law enforcement when required by law.
We do not sell your personal information.
6. Marketing & Opt-Out
If you receive pre-approval offers or marketing messages, you can opt out at any time using the unsubscribe link or by contacting us directly. Opting out of marketing will not affect service-related communications (e.g., transaction alerts).
7. Data Security
We adopt industry best practices — encryption, access controls, monitoring and audits — to protect data. Despite this, no system is completely risk-free.
8. Data Retention
We retain personal information only as long as necessary for the purposes described, and to meet legal, regulatory or accounting obligations. Retention periods may differ by data category.
9. Your Rights
- Access the personal data we hold about you.
- Request correction of inaccurate information.
- Request deletion, subject to legal or regulatory retention requirements.
- Withdraw consent for marketing at any time.
- Object to certain processing and request data portability where applicable.
10. Children
Our services and pre-approval offers are intended for persons 18 years or older. We do not knowingly collect information from children.
11. International Transfers
Your personal data may be stored or processed in countries other than your own. We will ensure appropriate safeguards are implemented for cross-border transfers.
12. Changes to this Policy
We may update this Privacy Policy from time to time. Material changes will be posted on our website along with an updated effective date.
13. Contact Us
For privacy questions or to exercise your rights, please contact:
Email: info@pre-approvedcreditcard.com
Phone: +91-9873967210
Address: 123 Offer Street, Finance City, India
Disclaimer: This document is a sample template and does not constitute legal advice. Consult your legal counsel before publishing.