1. Scope
This Privacy Policy applies to all individuals who apply for, hold or use the Lifetime Free Credit Card and to the services provided via our website, mobile application and customer support channels.
2. Information We Collect
- Account & Payment Data: Card number (tokenized/encrypted where applicable), billing details, bank account information.
- Identity & KYC: Full name, date of birth, PAN/Aadhaar (where required), address, email, phone number, photographs and identity documents.
- Transaction Data: Transaction history, merchant details, billing and shipping addresses.
- Technical & Usage Data: Device information, IP address, browser type, cookies and app log data.
- Support Communications: Emails, chats or call recordings related to customer support and dispute resolution.
3. How We Use Your Information
We process personal data for purposes including: card issuance and management, KYC and identity verification, transaction processing and settlement, fraud detection and risk management, customer support, product improvements, and regulatory compliance. Where required, we will rely on your explicit consent for marketing or promotional communications.
4. Data Sharing
We share personal information only with trusted parties as necessary to provide services or where required by law, including: banks and card issuers, payment networks (e.g., RuPay/NPCI), payment processors and settlement partners, KYC and identity verification agencies, trusted service providers (cloud hosting, SMS/email vendors, analytics), and law enforcement or regulatory bodies when legally required.
We do not sell personal information to third parties.
5. Cookies & Tracking
Our website and app use cookies and similar technologies to remember preferences, analyze site usage and provide a better user experience. You can manage cookie preferences via your browser, but disabling some cookies may affect functionality.
6. Data Security
We implement industry-standard technical and organizational measures such as encryption, access controls, secure servers and regular security audits to protect personal data. While we strive to safeguard information, no transmission or storage system is 100% secure.
7. Data Retention
We retain personal data only as long as necessary for the purposes outlined in this policy, and to comply with legal, tax or accounting obligations. Retention periods vary by data type; please contact us for specific retention timelines.
8. Your Rights
- Right to access the personal data we hold about you.
- Right to request correction of inaccurate data.
- Right to request deletion of data (subject to legal or contractual restrictions).
- Right to object to certain processing activities, including direct marketing.
- Right to data portability where applicable.
9. Children
Our services are not directed at children under 18. We do not knowingly collect personal information from minors. If you believe we have collected data about a child without parental consent, contact us and we will take steps to remove it.
10. International Transfers
Personal information may be stored and processed in servers located outside your country. We will ensure appropriate safeguards (contracts, security measures) are in place when transferring data internationally.
11. Changes to this Policy
We may update this Privacy Policy from time to time. Material changes will be communicated on our website with an updated effective date.
12. Contact Us
For privacy questions or to exercise your rights, please contact us:
Email: info@lifetimefree-creditcard.com
Phone: +91 8745976984
Address: 123 Card Lane, Finance City, India
Disclaimer: This privacy policy template is for general informational purposes only and does not constitute legal advice. Please consult your legal advisor before publishing.