Part I: General Provisions
1. Introduction
Welcome to HDFC Credit Card Services: Block, PIN, Limit, EMI & Rewards | 24x7 Help Apply Online. We respect the privacy of our users and are committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the website.
2. Consent
By using our website, you hereby consent to our Privacy Policy and agree to its terms. If you do not agree with our policies and practices, your choice is not to use our Website.
3. Scope of Policy
This policy applies to information we collect: On this Website; In email, text, and other electronic messages between you and this Website; Through mobile and desktop applications you download from this Website.
4. Data Controller
For the purposes of the General Data Protection Regulation (GDPR), HDFC Credit Card Services: Block, PIN, Limit, EMI & Rewards | 24x7 Help Apply Online is the Data Controller of your personal information.
Part II: Information We Collect
5. Personal Identity Information (PII)
We collect PII that you voluntarily provide to us when you register on the Website, express an interest in obtaining information about us or our products and services, when you participate in activities on the Website.
6. Contact Data
Includes billing address, delivery address, email address, and telephone numbers used for application verification and OTP services.
7. Financial Data
Includes bank account details, payment card details (PAN, masked numbers), income details, and employment status necessary for credit card eligibility checks.
8. Transaction Data
Includes details about payments to and from you and other details of products and services you have purchased or applied for from us.
9. Verification Data
Includes PAN Card Number, Aadhaar Number (stored in encrypted format), and Date of Birth required for KYC norms.
Part III: Technical Data Collection
10. Internet Protocol (IP) Address
We collect your IP address to diagnose problems with our server, administer our Website, and analyze traffic patterns.
11. Browser & Device Information
We collect information about the computer or mobile device you use to access our Services, including the hardware model, operating system and version, and unique device identifiers.
12. Log Files
HDFC Credit Card Services: Block, PIN, Limit, EMI & Rewards | 24x7 Help Apply Online follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics.
13. Location Data
We may use and store information about your location if you give us permission to do so. We use this data to provide features of our Service, to improve and customize our Service.
14. Clickstream Data
We collect info on the "clickstream" regarding your visit, including the full Uniform Resource Locators (URL), items you viewed or searched for, page response times, and download errors.
Part IV: Cookies & Advertising Technologies
15. Use of Cookies
We use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.
16. Session Cookies
We use Session Cookies to operate our Service. These expire once you close your web browser.
17. Preference Cookies
We use Preference Cookies to remember your preferences and various settings.
18. Security Cookies
We use Security Cookies for security purposes to prevent fraud.
19. Web Beacons
Pages of our the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs).
20. Google AdSense & DoubleClick DART Cookie
Google is one of a third-party vendor on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to our site and other sites on the internet.
21. Opting Out of DART Cookies
Visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads
22. Advertising Partners
Some of advertisers on our site may use cookies and web beacons. Our advertising partners include Google AdSense, AdMob, and other affiliate banking networks.
23. Third-Party Privacy Policies
HDFC Credit Card Services: Block, PIN, Limit, EMI & Rewards | 24x7 Help Apply Online's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information.
24. CCPA Advertising Rights
Under CCPA, among other rights, California consumers have the right to request that a business that sells a consumer's personal data, not sell the consumer's personal data.
Part V: How We Use Your Data
25. Service Provision
To provide and maintain our Service, including to monitor the usage of our Service.
26. Application Processing
To process your credit card application, verify your identity, and determine your eligibility for various financial products.
27. Communication
To contact you via email, telephone calls, SMS, or other equivalent forms of electronic communication regarding updates or informative communications.
28. Marketing
To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about.
29. Legal Compliance
To comply with applicable laws, regulations, and legal processes, such as the Prevention of Money Laundering Act (PMLA).
Part VI: Data Sharing & Disclosure
30. With Service Providers
We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
31. With Business Partners
We may share Your information with our business partners (HDFC Bank affiliates) to offer You certain products, services or promotions.
32. With Affiliates
We may share Your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy.
33. Law Enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities.
34. Business Transfers
We may share or transfer your information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition.
Part VII: Data Retention & Security
35. Data Retention Period
We will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy.
36. Deletion of Data
Upon request or expiration of retention period, we securely delete or anonymize your personal data so that it can no longer be associated with you.
37. SSL Encryption
We use Secure Socket Layer (SSL) technology to encrypt data during transmission between your browser and our servers.
38. Database Security
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights.
39. Data Breach Procedures
In the event of a data breach, we will notify users and applicable regulators within 72 hours, as required by GDPR and Indian IT Act laws.
40. International Data Transfer
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction.
Part VIII: Your Data Protection Rights
41. Right to Access
You have the right to request copies of your personal data.
42. Right to Rectification
You have the right to request that we correct any information you believe is inaccurate.
43. Right to Erasure
You have the right to request that we erase your personal data, under certain conditions.
44. Right to Restrict Processing
You have the right to request that we restrict the processing of your personal data.
45. Right to Object
You have the right to object to our processing of your personal data.
46. Right to Data Portability
You have the right to request that we transfer the data that we have collected to another organization, or directly to you.
47. Withdrawal of Consent
You also have the right to withdraw your consent at any time where the Company relied on your consent to process your personal information.
Part IX: Miscellaneous
50. Children's Privacy
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13.
51. Links to Other Websites
Our Service may contain links to other websites that are not operated by Us. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites.
52. Changes to Privacy Policy
We may update our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.
53. Notification of Changes
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
54. Governing Law
These terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.
55. Contact Us
If you have any questions about this Privacy Policy, You can contact us:
- By email: compliance@hdfc-creditcard.co.in
- By visiting this page on our website: hdfc-creditcard.co.in/contact
- By WhatsApp: +91 919832611833