Privacy Policy

Welcome to CardGuruji (referred to as "we", "us", "our", or "Website"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us.

When you visit our website and use our services (specifically our credit card comparison and lead generation tools), you trust us with your personal information. We take your privacy very seriously. In this privacy notice, we describe our privacy policy. We seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it.

1. Information We Collect

We collect personal information that you voluntarily provide to us when expressing an interest in obtaining information about our products or services, such as applying for a credit card through our "Apply Now" forms.

• Personal Identification Details: Full Name, Email Address, and Phone Number (Indian mobile numbers).
• Financial & Professional Information: Monthly Income, Employment Status (Salaried, Self-Employed, etc.), and self-reported CIBIL/Credit Score.
• Application Metadata: The specific bank, credit card name, and reference details associated with your request.
• Log and Device Info: Internet Protocol (IP) address, browser details, referring pages, and device information captured automatically to prevent fraud and ensure submission validity.

2. How We Use Your Information

We process your information for purposes based on legitimate business interests, the fulfillment of our services, compliance with our legal obligations, and/or your consent. We use the information we collect or receive:

• To Facilitate Credit Card Applications: We share your name, contact information, and eligibility profile with the respective card issuing banks or financial institution partners to process your application request.
• To Pre-screen Eligibility: Your monthly income and credit score details are evaluated to matches the eligibility criteria of various credit card issuers, reducing chance of rejection.
• To Prevent Fraud: Tracking IP addresses and preventing duplicate submissions within 24-hour windows to ensure lead quality and prevent spam.
• Communication: To contact you via email or phone call (SMS/WhatsApp) regarding updates on your application status, or clarifying details.

3. How Your Information Is Shared

We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.

• Partners and Card Issuers: We forward lead application details to the respective bank partner (e.g. HDFC Bank, SBI Card, ICICI Bank, Axis Bank, etc.) or licensed aggregators to process the card application you initiated.
• Consent-based Sharing: By checking the consent checkbox on the application form, you explicitly authorize us to share your details with our financial partners for credit assessment and card issuing calls.
• No Third-Party Sale: We do not sell, rent, or lease your personal information to third-party telemarketers or advertisers for unrelated promotional campaigns.

4. Security of Your Information

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process.

All form submissions are transmitted securely via HTTPS and processed in compliance with Section 43A and Section 72A of the Indian Information Technology Act, 2000. However, please remember that no transmission over the internet can be guaranteed 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Website is at your own risk.

5. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to access or store information. Cookies help us analyze web traffic, optimize site loading times, and save comparison inputs so that you have a seamless browsing experience. You can choose to reject cookies in your browser settings, though this may disable certain interactive features.

6. Your Privacy Rights

In accordance with the laws of India, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request to our Grievance Officer.

7. Contact & Grievance

If you have questions or comments about this policy, or would like to withdraw your consent to data sharing, you may contact our Grievance Desk at:
Email: info@cardsguruji.com