Privacy Policy

Last Updated: February 3, 2025

Compliant with Digital Personal Data Protection Act (DPDP) 2023, India

🔒 Your Privacy is Our Priority

We do not sell or share your personal data with NBFCs, banks, telemarketers, or any third parties.

We do not process, store, or access any banking or credit card data. All applications are completed only on official bank websites.

Important Notice:

CardEarnConnect is a comparison and information platform only. We do NOT collect, store, or process any sensitive personal data including banking details, credit card information, or financial data. All credit card applications are completed directly on official bank websites.

1. Introduction

This Privacy Policy explains how CardEarnConnect ("we," "us," or "our") collects, uses, and protects information when you visit our website cardearnconnect.com (the "Website"). This policy is compliant with the Digital Personal Data Protection Act (DPDP) 2023, India.

2. Data Controller Information

Entity Name: CardEarnConnect
Website: https://cardearnconnect.com
Email: privacy@cardearnconnect.com
Data Protection Officer: dpo@cardearnconnect.com

3. What Data We Collect

3.1 Information We DO NOT Collect

We explicitly DO NOT collect, store, or process:

Credit card numbers or banking details
PAN card numbers or Aadhaar numbers
Financial account information
Income or salary details
Credit scores or credit reports
Any sensitive personal data as defined under DPDP Act 2023

3.2 Information We Collect

We collect only minimal, non-sensitive information necessary for website functionality:

A. Automatically Collected Information:

Device Information: Browser type, operating system, device type
Usage Data: Pages visited, time spent, click patterns (anonymized)
Technical Data: IP address (anonymized), cookies, session data

B. Voluntarily Provided Information:

Contact Form: Name and email (only if you contact us)
Newsletter: Email address (only if you subscribe)
Referral Program: Name, email, phone number (only if you participate)

4. How We Use Your Data

We use the collected information only for the following purposes:

To provide and improve our comparison services
To respond to your inquiries and support requests
To send newsletters (only if you opted in)
To process referral rewards (only if you participate)
To analyze website usage and improve user experience
To comply with legal obligations

5. Data Sharing and Disclosure

WE DO NOT SELL YOUR DATA

We explicitly declare that we do not sell, rent, or share your personal data with:

NBFCs (Non-Banking Financial Companies)
Banks or financial institutions
Telemarketers or marketing agencies
Data brokers or aggregators
Any third-party advertisers

5.1 Limited Data Sharing

We may share data only in these specific circumstances:

Service Providers: Analytics tools (Google Analytics) - anonymized data only
Legal Requirements: When required by law or court order
Business Transfer: In case of merger or acquisition (with your consent)

6. Bank Redirects and Applications

Important: When you click "Visit Official Bank Page" or similar links on our website:

You are redirected to the official bank's website
We do NOT collect or see any information you provide to the bank
The bank's privacy policy applies to data you provide on their website
We do NOT have access to your application status or details
We do NOT store or process any banking or credit card information

7. Cookies and Tracking Technologies

We use cookies for:

Essential Cookies: Required for website functionality
Analytics Cookies: To understand how visitors use our site (anonymized)
Preference Cookies: To remember your settings

You can control cookies through your browser settings. Disabling cookies may affect website functionality.

8. Data Retention Policy

8.1 Retention Periods

Contact Form Data: 90 days after resolution
Newsletter Subscriptions: Until you unsubscribe
Referral Program Data: 2 years after last activity
Analytics Data: 26 months (Google Analytics default)
Server Logs: 30 days

8.2 Data Deletion

After the retention period, we permanently delete all personal data from our systems and backups.

9. Your Rights Under DPDP Act 2023

As a data principal under DPDP Act 2023, you have the following rights:

Right to Access: Request a copy of your personal data
Right to Correction: Request correction of inaccurate data
Right to Erasure: Request deletion of your data
Right to Data Portability: Receive your data in a structured format
Right to Withdraw Consent: Withdraw consent at any time
Right to Grievance Redressal: File complaints with our DPO

9.1 How to Exercise Your Rights

To exercise any of these rights, contact us at:

Email: privacy@cardearnconnect.com
Data Protection Officer: dpo@cardearnconnect.com

We will respond to your request within 30 days as required by DPDP Act 2023.

10. Data Security

We implement industry-standard security measures:

Encryption: SSL/TLS encryption for data transmission
Access Control: Limited access to personal data
Regular Audits: Security assessments and updates
Secure Servers: Data stored on secure, encrypted servers
No Sensitive Data Storage: We do not store banking or financial data

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect data from children. If you believe we have collected data from a child, please contact us immediately.

12. International Data Transfers

Your data is primarily stored and processed in India. If data is transferred outside India, we ensure adequate safeguards as required by DPDP Act 2023.

13. Third-Party Links

Our website contains links to bank websites and other third parties. We are not responsible for their privacy practices. Please review their privacy policies before providing any information.

14. Changes to Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

Posting the updated policy on our website
Updating the "Last Updated" date
Sending email notification (for material changes)

15. Grievance Redressal

If you have any concerns or complaints regarding your data:

Data Protection Officer:
Email: dpo@cardearnconnect.com
Response Time: Within 30 days

If you are not satisfied with our response, you may file a complaint with the Data Protection Board of India as per DPDP Act 2023.

16. Consent

By using our website, you consent to this Privacy Policy. You can withdraw your consent at any time by contacting us or ceasing to use our services.

17. Contact Us

For any privacy-related questions or concerns:

CardEarnConnect
Email: privacy@cardearnconnect.com
Data Protection Officer: dpo@cardearnconnect.com
Website: https://cardearnconnect.com

Our Commitment to Your Privacy

We are committed to protecting your privacy and complying with all applicable data protection laws including the Digital Personal Data Protection Act (DPDP) 2023, India.

Remember: We never sell your data. We never share your data with telemarketers. We never store your banking information.

← Back to Home