Privacy Policy

This privacy policy is an electronic record in the form of an electronic contract formed under the information technology act, 2000 and the rules made there under and the amended provisions pertaining to electronic documents / records in various statutes as amended by the information technology act, 2000. This privacy policy does not require any physical, electronic or digital signature. This privacy policy is a legally binding document between you and The Card Company (TCC) (both terms defined below). The terms of this privacy policy will be effective upon your registration on the app/website (as defined below) and will govern the relationship between you and The Card Company (TCC) for your use of the app/website. This document is published and shall be construed in accordance with the provisions of the information technology (reasonable security practices and procedures and sensitive personal data or information) rules, 2011 under the information technology act, 2000; that require publishing of the privacy policy for collection, use, storage and transfer of personal information including sensitive personal information.

Please read this privacy policy carefully.

By registering an account on the app/website and agreeing to the privacy policy by checking the privacy policy tick box, you indicate that you understand, agree and consent to this privacy policy. If you do not agree with the terms of this privacy policy, please do not accept the privacy policy and/or use this app/website. You hereby provide your unconditional consent or agreements to The Card Company (TCC) as provided under the information technology act, 2000 and the rules and regulations made under therein.

By providing us your information or by making use of the services provided by the App, you hereby consent to the collection, storage, processing, disclosure and/or transfer of any or all of your personal information (as defined below), Sensitive Personal Information (as defined below) and NonPersonal Information (as defined below) by The Card Company (TCC), as specified under this Privacy Policy. You further agree that such collection, use, storage, disclosure and/or transfer of Your Information shall not cause any loss or wrongful gain to You or any other person.

The Card Company (TCC) Payment Technologies Private Limited and any other person, directly or indirectly, controlled by, controlling, or under common control with, The Card Company (TCC) Payment Technologies Private Limited, ("The Card Company (TCC)") is/are concerned about the privacy of the data and information of users (including merchants and buyers/customers whether registered or non-registered) accessing, offering, selling or purchasing products or services on the app/websites, mobile sites or mobile applications of a The Card Company (TCC) ("App/website") and otherwise doing business with a The Card Company (TCC).

The terms “We” / “Us” / “Our” individually and collectively refer to each entity being part of the definition of The Card Company (TCC) and the terms “You” / “Your” / “Yourself” refer to the users.

This Privacy Policy is a contract between You and the respective The Card Company (TCC) whose App/website You use or access or You otherwise deal with. This Privacy Policy shall be read together with the respective terms of use or other terms and conditions of the respective The Card Company (TCC) and its respective App/website or nature of business of the App/website.

The The Card Company (TCC) has provided this Privacy Policy to familiarize You with:
  • The type of data or information that You share with or provide to any The Card Company (TCC), and that any The Card Company (TCC) collects from You;
  • The purpose for collection and usage of such data or information from You;
  • The information security practices and policies of The Card Company (TCC); and
  • The policy of The Card Company (TCC) on disclosing, sharing or transferring Your data or information with/to third parties.
Amendment of Privacy Policy
  • This Privacy Policy may be amended / updated from time to time. We will notify You of any amendment of, or update to, the Privacy Policy, as is required under applicable laws.
Information collected and storage of Information
  • The information or data provided by You to a The Card Company (TCC) or collected from You by the The Card Company (TCC) may consist of “Personal Information”, “Sensitive Personal Information” and “Non-Personal Information”.
Personal Information
  • Personal Information is information or data collected that can be used to identify You. Personal Information for the purposes of this Privacy Policy shall include, but not be limited to:
    • Your name, parent’s name, address, telephone number, e-mail address or other contact information;
    • Your date of birth;
    • Your gender, marital status;
    • Your occupation;
    • Your internet protocol address;
    • Identification code of the communication device which You use to access the App/website or otherwise deal with any The Card Company (TCC);
    • any other information provided by You during Your registration process on the App/website (other than Sensitive Personal Information);
    • Information provided by You towards complying with know your customer norms, either as part of Our internal policies and as may be required under applicable laws;
    • Information relating to query all packages installed on your device. The information collected through this process, including information about the other apps installed on your device, will be used to detect fraudulent activities.
    • Your Short Messaging Service (SMS(es)) that are stored on your device for the purposes of, including but not limited to, registering you and your device for payments services, OTPs for logins and payments, enhancing your security, bill payments and recharge reminders.
    • Details that you have given permission to upload, sync or import (such as phone status & identity, contacts, calendar, camera, microphone or short messaging system) any information set out in this Clause pertaining to third parties that is provided to Us, during Your use of the App/website;
  • Such Personal Information may be collected in various ways including during the course of You:
    • Registering as a user on the App/website;
    • Registering as a merchant on the App/website;
    • Availing certain services offered on the App/website. Such instances include but are not limited to making or participating in any online survey or contest, communicating with the customer service of any The Card Company (TCC) by phone, email or otherwise or posting user reviews on the services / items available on the App/website;
    • Otherwise doing business, transacting or attempting to transact on the App/website; or
    • otherwise dealing with any of The Card Company (TCC).
  • We may receive Personal Information about You from third parties, such as social media services, commercially available sources and partners. If You access the App/website through a social media service or connect a service on the App/website to a social media service, the Information We collect may include Your user name associated with that social media service, any information or content the social media service has the right to share with us, such as Your profile picture, email address or friends list, and any information You have made public in connection with that social media service. When You access the App/website or otherwise deal with any The Card Company (TCC) through social media services or when You connect any App/website to social media services, You are authorizing The Card Company (TCC) to collect, store, use and retain such information and content in accordance with this Privacy Policy.
Non-Personal Information
  • The Card Company (TCC) may also collect information other than Personal Information or Sensitive Personal Information from You through the App/website when You visit and / or use the App/website. Such information may be stored in server logs.
  • This Non-Personal Information would not assist The Card Company (TCC) to identify You personally. This Non-Personal Information may include:
    • Your geographic location;
    • details of Your telecom service provider or internet service provider;
    • The type of browser (Internet Explorer, Firefox, Opera, Google Chrome etc.);
    • Information about Your device, including Your hardware model, operating system and version, device name, device applications, unique device identifier, mobile network information, the App/website You last visited before visiting the App/website and information about the device's interaction with our Services; or
    • Clickstream data relating to Your activity on the App/website, including but not limited to the duration of Your stay on the App/website, date and time of Your access of the App/website.
    • List of Installed Applications in your mobile phone for fraud detection and to offer personalised financial products.
  • Non-Personal Information is collected through various ways such through as the use of cookies. The Card Company (TCC) may store temporary or permanent ‘cookies’ on Your computer. You can erase or choose to block these cookies from Your computer. You can configure Your computer’s browser to alert You when We attempt to send You a cookie with an option to accept or refuse the cookie. If You have turned cookies off, You may be prevented from using certain features of the App/website;
  • Advertisements: The Card Company (TCC) may use Third Party Service Providers to serve advertisements on behalf of The Card Company (TCC) across the internet and sometimes on the App/website. They may collect Non-Personal Information about Your visits to the App/website, and Your interaction with Our products and services on the App/website.

Please do note that Personal Information, Sensitive Personal Information and NonPersonal Information may be treated differently as per this Privacy Policy.

Representations and Warranties
  • You hereby represent to The Card Company (TCC) that, at all times during Your registration with Us:
    • The information You provide to The Card Company (TCC) is and shall be authentic, correct, current and updated, and that You have all the rights, permissions and consents as may be required to provide such information (including Information pertaining to any third parties) to the The Card Company (TCC); and
    • Your providing the information to The Card Company (TCC) and the consequent storage, collection, usage, transfer, access or processing of the same by The Card Company (TCC) shall not be in violation of any third party agreement, laws, charter documents, judgments, orders and decrees.

The officers, directors, contractors or agents of The Card Company (TCC) shall not be responsible for the authenticity of the information that You or any other user provide to any of The Card Company (TCC).

Purpose of collecting, using, storing and processing Your Personal Information/Non-Personal Information/Sensitive Personal Information
  • The Card Company (TCC) reserves the right to collect, use, store, process and disclose Your Personal Information/Non-Personal Information/Sensitive Personal Information for any purpose that may be permissible based on the consent obtained from You. The Card Company (TCC) uses Personal Information/Non-Perosnal Information/Sensitive Personal Information that is collected for lawful purposes associated with the functions and activities of The Card Company (TCC), while also respecting your privacy. Such purposes (“Purposes”) include but are not limited to:
    • Facilitating Your use of the App/website or other services of The Card Company (TCC);
    • Responding to Your inquiries or fulfilling Your requests for information about the various products and services offered on the App/website;
    • Providing You with information about products and services available on the App/website and sending You information, materials, and offers about products and services of The Card Company (TCC);
    • Sending You important information regarding the App/website, changes in terms and conditions, user agreements, and policies and/or other administrative information;
    • Sending You surveys and marketing communications that The Card Company (TCC) believe may be of interest to You;
    • Personalizing Your experience on the App/website by presenting advertisements, products and offers tailored to Your preferences;
    • Helping You address Your problems incurred on the App/website including addressing any technical problems;
    • If You purchase any product or avail any service from the App/website, completing and fulfilling Your purchase. For example, having Your payments processed, communicating with You regarding Your purchase, and providing You with related customer service;
    • Properly administering the App/website;
    • Conducting internal reviews and data analysis for the App/website (e.g., to determine the number of visitors to specific pages within the App/website);
    • Improving the services, content and advertising on the App/website;
    • Facilitating various programmes and initiatives launched by The Card Company (TCC) by itself or through a collaboration with Third Party Service Providers or Banks;
    • Analysing how Our services are used, to measure the effectiveness of advertisements, to facilitate payments;
    • Conducting academic research and surveys;
    • Protecting the integrity of the App/website;
    • Responding to legal, judicial, quasi-judicial process and providing information on law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law;
    • Conducting analytical studies on various aspects including user behaviour, user preferences etc.;
    • Permitting third parties who may need to contact users who have bought products from the App/website to facilitate installation, service and any other product related support;
    • Implementing information security practices;
    • Determining any security breaches, computer contaminant or computer virus;
    • Investigating, preventing, or taking action regarding illegal activities and suspected fraud;
    • Undertaking forensics of the concerned computer resource as a part of investigation or internal audit;
    • Facilitating payments/repayments for the use of the App/website or other any other The Card Company (TCC) services;
    • Tracing computer resources or any person who may have contravened, or is suspected of having or being likely to contravene, any provision of law including the Information Technology Act, 2000 that is likely to have an adverse impact on the services provided on any App/website or by The Card Company (TCC);
    • Enabling a potential buyer or investor to evaluate the business of The Card Company (TCC); or (xxvi) sharing, disclosing or transfer of such data in the event of any merger, acquisition, reorganization or sale of assets or business of The Card Company (TCC) to a third party or in the event of bankruptcy of The Card Company (TCC)

You hereby agree and acknowledge that the Personal Information/Non-Personal Information/Sensitive Personal Information so collected is for a lawful purpose, connected with a function or activity of The Card Company (TCC) or any person on their respective behalf, and the collection of Personal Information/Non-Personal Information/Sensitive Personal Information is necessary for the Purposes.

Storage and Processing of Your Personal Information/Non-Personal Personal Information
  • Your Personal Information/Non-Personal Information/Sensitive Personal Information will primarily be stored in electronic form. However, certain data may also be stored in physical form.
  • We may store, collect, process and use Your data only within the Republic of India to the extent permissible under applicable laws
  • We may enter into agreements with third parties (Within India) to store or process Your Personal Information/Non-Personal Information/Sensitive Personal Information. These third parties may have their own security standards to safeguard Your Personal Information/Non-Personal Information/Sensitive Personal Information and We will, on commercially reasonable basis, require such third parties to adopt reasonable security standards to safeguard Your I Personal Information/Non-Personal Information/Sensitive Personal Information, as per the requirements of applicable laws.
  • Sharing and disclosure of Your Personal Information/Non-Personal Information/Sensitive Personal Information You hereby unconditionally agree and permit that The Card Company (TCC) may transfer, share, disclose or part with all or any of Your Personal Information/Non-Personal Information/Sensitive Personal Information, within the Republic of India to The Card Company (TCC), Third Party Service Providers / Partners / Banks and Financial Institutions for one or more of the Purposes, government agencies upon directions of such agency, or to any other third party as may be required under applicable law. In case of any Personal Information/Sensitive Personal Information so transferred, shared, disclosed or parted with, We will contractually oblige the receiving parties of the information to ensure the same level of data protection adopted by The Card Company (TCC) is adhered to by the receiving party.
  • You acknowledge and agree that, to the extent permissible under applicable laws, it is adequate that when The Card Company (TCC) transfer Your information to any other entity within India, The Card Company (TCC) will place contractual obligations on the transferee which will oblige the transferee to adhere to the provisions of this Privacy Policy.
  • The Card Company (TCC) may transfer/disclose/share Non-Personal Information to third parties who support Our business, such as providing technical infrastructure services, analysing how Our services are used, measuring the effectiveness of advertisements, providing customer / buyer services, facilitating payments, or conducting academic research and surveys. Such transferees shall adhere to confidentiality obligations consistent with this Privacy Policy.
  • Notwithstanding the above, We use other third parties such as a credit/debit card processing companies, payment gateways, pre-paid cards etc. to enable You to make payments for buying products or availing services on the App/website. When You sign up for these services, You may have the ability to save Your card details for future reference and faster future payments. In such case, We may share or disclose Your relevant Personal Information/ as necessary for the third parties to provide such services, including Your name, residence and email address. The processing of payments or authorization is solely in accordance with these third parties’ policies, terms and conditions and We are not in any manner responsible or liable to You or any third party for any delay or failure at their end in processing the payments.
  • The Card Company (TCC) may also share Personal Information/Sensitive Personal Information with such third parties to whom The Card Company (TCC) believes it is necessary to do so in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of various terms and conditions or Our policies.
  • We reserve the right to disclose Your Personal Information/Non-Personal Information/Sensitive Personal Information when required to do so by law or regulation, or under any legal obligation or order under law or in response to a request from a law enforcement or governmental agency or judicial, quasi-judicial or any other statutory or constitutional authority or to establish or exercise Our legal rights or defend against legal claims.
  • You further agree that such disclosure, sharing and transfer of Your Personal Information/Non-Personal Information/Sensitive Personal Information shall not cause any wrongful loss to You or to any third party, or any wrongful gain to Us or to any third party.
Links to third party app/websites
  • Links to third-party advertisements, third-party app/websites or any third party electronic communication service may be provided on the App/website which are operated by third parties and are not controlled by, or affiliated to, or associated with, The Card Company (TCC) unless expressly specified on the App/website.
  • The Card Company (TCC) are not responsible for any form of transmission, whatsoever, received by You from any third party app/website. Accordingly, The Card Company (TCC) does not make any representations concerning the privacy practices or policies of such third parties or terms of use of such third party app/websites, nor does The Card Company (TCC) control or guarantee the accuracy, integrity, or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages or other materials available on such third party app/websites. The inclusion or exclusion does not imply any endorsement by The Card Company (TCC) of the third party app/websites, the app/website's provider, or the information on the third party app/website. The information provided by You to such third party app/websites shall be governed in accordance with the privacy policies of such third party app/websites, and it is recommended that You review the privacy policy of such third party app/websites prior to using such app/websites.
Security & Retention
  • The security of Your Personal Information/Sensitive Personal Information is important to us. The Card Company (TCC) strive to ensure the security of Your Personal Information/Sensitive Personal Information and to protect Your Personal Information/Sensitive Personal Information against unauthorized access or unauthorized alteration, disclosure or destruction. For this purpose, The Card Company (TCC) adopts internal reviews of the data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where The Card Company (TCC) stores Your Personal Information/Sensitive Personal Information. The Card Company (TCC) shall adopt reasonable security practices and procedures as mandated under applicable laws for the protection of Your Personal Information/Sensitive Personal Information. Provided that, Your right to claim damages shall be limited to the right to claim only statutory damages under Information Technology Act, 2000, and You hereby waive and release all The Card Company (TCC) from any claim of damages under contract or under tort, to the extent permissible under applicable laws.
  • If You choose a payment gateway to complete any transaction on the App/website, then Your credit card/debit card data may be stored in compliance with industry standards/ recommended data security standards for security of financial information such as the Payment Card Industry Data Security Standard.
  • The Card Company (TCC) may share Your Personal Information/Non-Personal Information with third parties under a confidentiality agreement which inter alia provides that such third parties shall not disclose the Personal Information/Non-Personal Information further unless such disclosure is for the Purpose. However, The Card Company (TCC) is not responsible for any breach of security or for any actions of any third parties that receive Your Personal Information/Non-Personal Information. The Card Company (TCC) is not liable for any loss or injury caused to You as a result of You providing Your Personal Information/Non-Personal Information to any third party (including any third party app/websites, even if links to such third party app/websites are provided on the App/website).
  • Notwithstanding anything contained in this Policy or elsewhere, to the extent permissible under applicable laws, The Card Company (TCC) shall not be held responsible for any loss, damage or misuse of Your Personal Information/Non-Personal Information/Sensitive Personal Information, if such loss, damage or misuse is attributable to a Force Majeure Event (as defined below).
  • A Force Majeure Event shall mean any event that is beyond the reasonable control of The Card Company (TCC) and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer, computer system or computer network, computer crashes, breach of security and encryption (provided beyond reasonable control of The Card Company (TCC)), power or electricity failure or unavailability of adequate power or electricity.
  • While We will endeavour to take all reasonable and appropriate steps to keep secure any Personal Information/Non-Personal Information/Sensitive Personal Information which We hold about You and prevent unauthorized access, You acknowledge that the internet or computer networks are not fully secure and that We cannot provide any absolute assurance regarding the security of Your Personal Information/Non-Personal Information/Sensitive Personal Information.
  • You agree that all Sensitive Personal Information shall be retained till such time required for the Purpose or required under applicable law, whichever is later. Personal Information/Non-Personal Information will be retained indefinitely.
Deletion of The Card Company (TCC) account
  • On receipt of account deletion request (on account/wallet), THE CARD COMPANY (TCC) will delete your data and immediately stop collecting, storing, and using your personal information(other than phone number) and other data, except as otherwise required by applicable laws and regulations or industry standards. For example, THE CARD COMPANY (TCC) will retain your transaction related details and corresponding data for compliance purposes as per RBI, PMLA and PPI Act & Guidelines respectively, for up-to Ten (10) years.
  • Legal Consequences of Account Deletion Once the account is deleted, all related contractual relationships between you and THE CARD COMPANY (TCC) are terminated. The consequences of account deletion include but are not limited to the following:
    • You will not be able to use/access this account to log in (signing in) to the THE CARD COMPANY (TCC) app/website, app, with your previous login credentials.
    • You will not be able to perform any operations that require the account access.
    • You will not be able to retrieve the personal information, transaction records, business data, and historical information under the account.
    • You will not be able to use THE CARD COMPANY (TCC) services.
    • If you wish to create an account with the same mobile number and/or email id, through which you had raised your account deletion request. In such case, The Card Company (TCC) shall consider and register you on its platform as new customer.
  • Not with standing contrary to the above, the deletion of your account does not mean that all your account operations and responsibilities before your account deletion are exempted or mitigated.
  • Customer can raise the Deletion request at care@thecardcompany.in and the same shall be completed within a period of 90 days from the Date on which the request is received.
Indemnity
  • You shall indemnify and hold harmless The Card Company (TCC), its officers, directors, contractors or agents and any third parties relying on the Information provided by You for any losses, including all claims, damages, liabilities, deficiencies, assessments, interest, awards, settlements, penalties, fines, costs or expenses, suffered, incurred, sustained by, or imposed on The Card Company (TCC), as a result of, arising out of, with respect to, in connection with or by reason of a breach or non-performance of any of the terms, conditions, representations, warranties or covenants contained in this Privacy Policy by You.
User discretion and opt out
  • You agree and acknowledge that You are providing Your Personal Information/Non Personal Information/Sensitive Personal Information out of Your own free will. You have an option not to provide or permit The Card Company (TCC) to collect Your Personal Information/Non Personal Information/Sensitive Personal Information or later on withdraw Your consent with respect to such Personal Information/Non-Personal Information/Sensitive Personal Information so provided herein, in writing, by sending an email to the grievance officer, details of whom are set out in clause 14 of this Privacy Policy, or to such other electronic address of the respective The Card Company (TCC) as may be notified to You. In such case, You should neither visit the App/website nor use any services provided by The Card Company (TCC) nor shall contact The Card Company (TCC). Further, The Card Company (TCC) may not deliver products to You, upon Your order, or The Card Company (TCC) may deny You access from using certain services offered on the App/website. The Card Company (TCC) also reserves the right to store and not delete the data that is required for its operations to provide You with continuous usage of its services.
  • You can review, add or update Your Personal Information/Senstive Personal Information on a regular basis. Any Personal Information/Sensitive Personal Information found to be inaccurate or deficient, can be amended or corrected by You, as feasible. However, We will not be responsible for the authenticity of the Personal Information/Sensitive Personal Information provided by You to Us or to any other entity acting on behalf of Us. Kindly note that The Card Company (TCC) shall retain Your previous Personal Information/Sensitive Personal Information in its records, as required under applicable law.
Grievance Officer
  • If You find any discrepancies or have any grievances in relation to the collection, storage, use, disclosure and transfer of Your Personal Information/Sensitive Personal Information under this Privacy Policy or any terms of the terms of use of The Card Company (TCC), and other terms and conditions or policies of any The Card Company (TCC), please contact the following personnel: Grievance Redressal officer
  • Nodal officers :
  • We will strive to address Your feedback and concerns in a timely and effective manner. The details of the grievance officer may be changed by Us from time to time by updating this Privacy Policy.
Business / Assets Sale or Transfers
  • By accepting this Privacy Policy, you hereby agree that, in the event of a merger, acquisition, reorganization or sale of assets or business of The Card Company (TCC) to a third party or in the event of bankruptcy of The Card Company (TCC), The Card Company (TCC) may transfer or otherwise share some or all of its assets, including Your Personal Information/Non-Personal Information/Sensitive Personal Information to such third party. Should such a sale or transfer occur, The Card Company (TCC) will reasonably ensure that the Personal Information/Non-Personal Information/Sensitive Personal Information You have provided and which We have collected is stored and used by the transferee in a manner that is consistent with this Privacy Policy and with applicable laws. Any third party to which The Card Company (TCC) transfer or sell as aforesaid will have the right to continue to use the Personal Information/Non Personal Information/Sensitive Personal Information that You provide to Us or collected by Us immediately prior to such transfer or sale for the Purposes.
Further Acknowledgements

You hereby acknowledge and agree that this Privacy Policy:

  • Is clear and easily accessible and provide statements of policies and practices The Card Company (TCC) with respect to Personal Information/Non-Personal Information/Sensitive Personal Information ;
  • Provides for the various types of Personal Information/Non-Personal Information/Sensitive Personal Information to be collected;
  • Provides for the purposes of collection and usage of the Personal Information/Non Personal Information/Sensitive Personal Information;
  • Provides for disclosure of Personal Information/Non-Personal Information/Sensitive Personal Information; and
  • Provides for reasonable security practices and procedures as per the applicable laws, rules and regulations for the time being in force.
Definitions
  • “Third Party Service Providers” or “Partners” shall mean any third party entity with which any of The Card Company (TCC) has a contractual arrangement for providing any kind of services to the respective
  • The Card Company (TCC); and “Banks” shall mean various banks, financial institutions, payment system providers who are licensed by the Reserve Bank of India and with whom any of the The Card Company (TCC) has entered into an agreement

Last Updated on 25th Feb 2025

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