This Privacy Policy describes how SahiCard (“we,” “us,” or “our”), operated from Block-A, Sector 59, Near Metro Station, Noida, Uttar Pradesh 201301, India, collects, uses, and discloses information when you use our website https://sahicard.com/ (the “Service”).
By accessing or using the Service, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree, please do not use the Service.
We may update this Privacy Policy at any time. The revised policy will be posted on this page with an updated “Last Updated” date. Your continued use of the Service after changes are posted constitutes your acceptance of the revised policy. We recommend reviewing this page periodically.
1. Information We Collect
1.1 Personal Information You Provide
We collect the following information when you voluntarily provide it (e.g., newsletter signup):
- Name
- Email Address
1.2 Information Automatically Collected
When you visit our Service, we automatically collect:
- IP Address
- Browser Type and Version
- Device Information (operating system, screen resolution)
- Pages Visited and time spent on each page
- Referral Source (how you found our website)
- Cookies and Tracking Data (see Section 6 below)
1.3 Information We Do NOT Collect
Important: SahiCard does NOT collect or store any of the following sensitive information:
- Credit card numbers
- Debit card numbers
- Bank account details
- PAN (Permanent Account Number)
- Aadhaar number
- CIBIL score or credit history
- Income or salary details
- Payment or transaction information
When you click “Apply Now” on any credit card listing, you are redirected to our affiliate partner’s website (such as BankSathi). Any personal or financial information you provide on their forms is collected directly by them we never see, access, or store such data.
2. How We Use Your Information
We use the collected information for the following purposes:
- Marketing/Promotional: To send newsletters, credit card updates, and exclusive offers (only if you subscribed)
- Support: To respond to your inquiries and provide customer assistance
- Site Protection: To monitor for fraudulent activity, prevent abuse, and ensure security
- Targeted Advertising: To display relevant ads through Google AdSense based on your interests
- Administration: To analyze website performance, improve user experience, and conduct research
We will seek your explicit consent before using your information for any purpose not listed above, except where required by law.
3. How We Share Your Information
We do NOT sell your personal information to third parties. However, we may share your information with trusted service providers in the following limited circumstances:
3.1 Third-Party Services
- Google Analytics: Analyzes website traffic and user behavior. Google’s Privacy Policy
- Google AdSense: Displays targeted advertisements. Google Ads Settings
- Affiliate Partners (BankSathi): When you click “Apply Now,” we share:
- Referral source (that you came from SahiCard)
- Credit card selected
- Your IP address (for fraud prevention only)
- Hosting Provider: Stores website data on secure servers.
These third parties are contractually obligated to use your data only for the specified purposes and to protect it appropriately.
3.2 Legal Disclosures
We may disclose your information if required to:
- Comply with applicable laws, regulations, court orders, or legal processes
- Enforce our Terms & Conditions or other agreements
- Respond to claims that your use of the Service violates third-party rights
- Protect the rights, property, or safety of SahiCard, our users, or the public
3.3 Business Transfers
If SahiCard is involved in a merger, acquisition, or sale of assets, your information may be transferred to the new owner. We will notify you via email and/or a prominent notice on our website before your data is transferred.
4. Retention of Your Information
- Newsletter Email Addresses: Retained until you unsubscribe or request deletion
- Analytics Data: Controlled by Google Analytics (typically retained for 26 months)
- Cookies: Session cookies expire when you close your browser; persistent cookies may last up to 2 years (per third-party policies)
- Inactive Accounts: Not applicable (we do not have user account functionality)
Sensitive Financial Data: We do NOT collect or store any sensitive financial information at any time.
You may request deletion of your data by contacting us at contact@sahicard.com. We will respond within 30 days as per Indian law.
5. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience. For detailed information, please see our Cookie Policy.
Types of Cookies We Use:
- Essential Cookies: Required for website functionality
- Analytics Cookies: Google Analytics tracks usage patterns
- Advertising Cookies: Google AdSense serves personalized ads
- Affiliate Tracking Cookies: Track referrals to partner sites
Managing Cookies:
You can control cookies through your browser settings:
Note: Disabling cookies may affect website functionality.
Opting Out of Targeted Ads:
- Google Ads: Google Ads Settings
- Network Advertising Initiative: NAI Opt-Out
6. Your Rights Under Indian Law
Under the Digital Personal Data Protection Act (DPDPA), 2023 and Information Technology Act, 2000, you have the following rights:
- Right to Access: Request a copy of your personal data we hold
- Right to Correction: Request correction of inaccurate data
- Right to Deletion: Request deletion of your data (subject to legal obligations)
- Right to Data Portability: Receive your data in a structured format
- Right to Withdraw Consent: Withdraw consent for data processing at any time
- Right to Lodge a Complaint: File a complaint with the Data Protection Board of India
To exercise these rights, contact us at: contact@sahicard.com
We will respond within 30 days as required by Indian law.
Opt-Out of Marketing Communications:
You may unsubscribe from newsletters by:
- Clicking the “Unsubscribe” link in any email we send
- Emailing us at contact@sahicard.com
7. Security of Your Information
We implement reasonable technical and organizational security measures to protect your data, including:
- SSL Encryption for data transmission
- Secure Hosting with reputable providers
- Access Controls to limit who can view data
- Regular Security Audits
However, no internet transmission is 100% secure. We cannot guarantee absolute security, and you transmit information at your own risk.
8. Third-Party Links
Our Service contains links to external websites (banks, affiliate partners, government sites, news sources). We are NOT responsible for the privacy practices or content of these third-party sites.
We strongly recommend reviewing the privacy policies of any external sites you visit.
Examples of linked sites include:
- Bank official websites (HDFC, Axis, SBI, etc.)
- Affiliate partner application forms (BankSathi)
- Regulatory websites (Reserve Bank of India, NPCI)
- Educational resources (Wikipedia, news articles)
9. Children’s Privacy
SahiCard does not knowingly collect information from individuals under 18 years of age. If you are under 18, do not provide any personal information through the Service.
If we discover we have inadvertently collected data from a minor, we will delete it immediately. Parents/guardians who believe we may have collected information from a minor should contact us at contact@sahicard.com.
10. International Data Transfers
Your information may be transferred to and processed in countries outside India, including the United States (where Google’s servers are located). These countries may have different data protection laws than India.
We ensure that adequate safeguards are in place, such as:
- Relying on third parties certified under recognized frameworks (e.g., Google’s compliance with GDPR)
- Using standard contractual clauses
By using our Service, you consent to such transfers.
11. Grievance Officer & Contact Information
As required under the Information Technology Act, 2000, we have appointed a Grievance Officer to address privacy concerns:
Grievance Officer:
Name: Vikrant Kumar
Address: Block-A, Sector 59, Near Metro Station, Noida, Uttar Pradesh 201301, India
Email: contact@sahicard.com
Phone: +91-9528658772
Response Time: We will acknowledge your complaint within 48 hours and resolve it within 30 days as per Indian law.
For general privacy inquiries, contact: contact@sahicard.com
12. Disclaimer
SahiCard is an informational platform, not a financial institution. We do NOT:
- Issue or approve credit cards
- Provide personalized financial advice
- Guarantee credit card approvals
- Collect or process credit card applications directly
All credit card applications are processed by banks or licensed financial partners. Your approval depends on factors controlled by the issuing bank (CIBIL score, income, etc.).
13. Legal Compliance
This Privacy Policy complies with:
- Information Technology Act, 2000
- Information Technology (Reasonable Security Practices) Rules, 2011
- Digital Personal Data Protection Act (DPDPA), 2023
- Consumer Protection Act, 2019
- Google AdSense Program Policies
- Affiliate Marketing Disclosure Standards
14. Changes to This Policy
We reserve the right to update this Privacy Policy at any time. When we make changes, we will:
- Update the “Last Updated” date at the top
- Post the revised policy on this page
- Notify newsletter subscribers via email (for material changes)
Your continued use of the Service after changes are posted constitutes acceptance of the revised policy.
15. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:
Email: contact@sahicard.com
Phone: +91-9528658772
Address: Block-A, Sector 59, Near Metro Station, Noida, Uttar Pradesh 201301, India