Privacy Policy

Depending on the services you use and the interactions you have with us, we may collect the following information:

• Full name
• Mobile/phone number
• Email address
• Date of birth, where required for a specific service
• Employment and income-related information, where voluntarily provided or required for a financial product application
• Information relating to your enquiry or service request
• Messages and communications exchanged with CardPower
• Information submitted through forms on our website
• Device, browser, IP address and website usage information
• Cookies and similar technologies
• Any other information voluntarily provided by you

We only seek to collect information that is reasonably necessary for the relevant purpose.

We may use the information collected to:

• Respond to customer enquiries and requests
• Provide customer support
• Process and manage service or product enquiries
• Provide updates regarding applications, requests or services
• Communicate with you regarding products and services that may be relevant to you
• Send transactional, service-related and promotional communications through permitted communication channels, including WhatsApp
• Improve our website, products, services and customer experience
• Conduct analytics, reporting and business operations
• Prevent fraud, misuse, unauthorized access and other security threats
• Comply with applicable laws, regulations and legal requirements
• Maintain records and resolve complaints or disputes

Where you provide your mobile number and consent to communication, you agree that CardPower may contact you through WhatsApp for transactional, service-related and, where applicable, promotional communications.

• Enquiry and application updates
• Customer support messages
• Service notifications
• Important account or process-related information
• Offers, promotions and other marketing communications, where you have provided the appropriate consent

Your consent to receive communications does not require you to purchase any product or service.

We may share relevant personal information with trusted third-party service providers where reasonably necessary to provide, operate, secure or improve our services. These may include:

• CRM and customer-support platforms
• WhatsApp Business/API service providers
• Communication and messaging service providers
• Cloud hosting and data-storage providers
• Analytics and technology service providers
• Financial institutions, product providers or their authorized service providers, where relevant to a service or application requested by you
• Professional advisers, auditors or legal service providers
• Government authorities, regulators or law-enforcement agencies where legally required

We do not authorize third parties to use your personal information for purposes unrelated to the services they provide to us. Where appropriate, we require our service providers to maintain reasonable confidentiality and security safeguards.

By voluntarily submitting your personal information, including your mobile number, you consent to CardPower collecting and processing such information for the purposes described in this Privacy Policy.

Where required by applicable law, we will seek additional or specific consent before processing information for particular purposes. You may withdraw consent for communications or request cessation of certain processing, subject to applicable legal and contractual requirements.

You may opt out of receiving promotional WhatsApp communications at any time. You may:

• Reply “STOP” to a WhatsApp communication where this facility is available
• Contact us using the details provided below
• Use any unsubscribe/opt-out facility provided in our communications

Opting out of promotional communications may not prevent us from sending essential transactional, service-related, security or legally required communications.

Our website may use cookies and similar technologies to improve website functionality, understand usage patterns, provide analytics and enhance the user experience. You may control certain cookie preferences through your browser settings, subject to the functionality of our website.

We retain personal information only for as long as reasonably necessary to fulfil the purposes for which it was collected, provide our services, maintain business and transaction records, resolve disputes, prevent fraud, and comply with applicable legal, regulatory and contractual requirements. When information is no longer required, we may securely delete, anonymize or otherwise dispose of it in accordance with our internal procedures and applicable law.

CardPower takes reasonable technical, organizational and administrative measures designed to protect personal information against unauthorized access, alteration, disclosure, loss, misuse or destruction. However, no method of transmission over the internet or electronic storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee absolute security of information transmitted electronically.

CardPower India Services LLP seeks to comply with applicable data protection, privacy, telecommunications and other relevant laws and regulations applicable to its operations. We also seek to comply with applicable requirements relating to WhatsApp/Meta platform usage and data handling. Where legally required, we may disclose information to government authorities, regulators, courts or law-enforcement agencies.

Our services are not intended for individuals who are unable to legally provide consent under applicable law. We do not knowingly collect personal information from children without appropriate consent where such consent is legally required.

Our website or communications may contain links to third-party websites, platforms or services. CardPower is not responsible for the privacy practices, content, security or policies of third-party websites or platforms. Users should review the privacy policies and terms of those third parties before providing information to them.

Subject to applicable law, you may contact us to request information regarding your personal data, seek correction of inaccurate information, withdraw consent where applicable, or raise a privacy-related concern. We may need to verify your identity before processing certain requests.

If you have any question, concern, complaint or grievance regarding the collection or use of your personal information or WhatsApp communications, please contact us using the details below.

• Grievance/Privacy Contact: 87968 37744
• Email: cardpowerdigital@gmail.com
• Phone: 87968 37744
• Registered Office: 616, Block A, Arcadia, South City 2, Sector 49, Gurgaon — 122018

We will make reasonable efforts to review and respond to grievances within the time period required under applicable law.

CardPower may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements or business practices. The updated Privacy Policy will be published on our website with the revised “Last Updated” date. Where required by applicable law, we may provide additional notice or obtain consent before implementing material changes.