Privacy Policy

Welcome to Dfinkard Hub. We are committed to protecting your privacy and handling your personal information with the highest standards of security and confidentiality. This Privacy Policy explains how we collect, use, share, and protect information when you use our credit card comparison and application services. By accessing Dfinkard Hub, you agree to the terms outlined in this policy.

About Dfinkard Hub

Dfinkard Hub is a digital platform that helps users compare and apply for credit cards from leading banks and financial institutions in India including HDFC Bank, ICICI Bank, Axis Bank, SBI Bank, IDFC First Bank, RBL Bank, and others. We act as an intermediary between you and our partner banks to facilitate your credit card application process.

Registered Address: Nxtify Technologies Pvt. Ltd., 1034-A, 3rd Floor, Sri Sri Sai Arcade, 24th Main Rd, 9th Cross Rd, 1st Sector, HSR Layout, Bengaluru, Karnataka 560102, India.

Information We Collect

To provide you with personalized credit card recommendations and facilitate applications, we collect the following information:

Personal Information:

• Identity Information: Full name as per Aadhaar/PAN card, date of birth, gender
• Contact Details: Mobile number, email address, residential address, PIN code
• KYC Documents: PAN card number, Aadhaar number, passport/voter ID (if applicable)
• Financial Information: Monthly income, employment status, company name, employment type (salaried/self-employed)
• Credit Profile: Existing credit cards, loans, credit score (obtained with your consent)

Technical Information:

• IP address, device type, browser information, operating system
• Usage data: pages visited, time spent, cards viewed, applications initiated
• Cookies and tracking technologies for website analytics
• Referral source and campaign data

How We Use Your Information

We use your information for the following purposes:

• Credit Card Recommendations: Analyzing your profile to suggest the most suitable credit cards based on your income, spending patterns, and preferences
• Application Processing: Submitting your credit card application to our partner banks (HDFC, ICICI, Axis, SBI, IDFC First, RBL, etc.) on your behalf
• Application Status Updates: Keeping you informed about your application progress, approval status, and card delivery through SMS, email, and WhatsApp
• Customer Support: Responding to your queries, providing assistance with applications, and resolving issues
• Personalization: Customizing your experience on our platform with relevant card offers and promotions
• Marketing Communications: Sending you promotional offers, new card launches, and special deals (you can opt-out anytime)
• Platform Improvement: Analyzing user behavior to enhance website functionality and user experience
• Fraud Prevention: Detecting and preventing fraudulent applications and suspicious activities
• Compliance: Meeting regulatory requirements and cooperating with law enforcement when legally required

Sharing Information with Partner Banks

When you apply for a credit card through Dfinkard Hub, we share your information with the relevant bank or financial institution. This includes:

• Partner Banks: HDFC Bank, ICICI Bank, Axis Bank, State Bank of India (SBI), IDFC First Bank, RBL Bank, Yes Bank, Kotak Mahindra Bank, IndusInd Bank, and other RBI-approved banks
• Information Shared: Personal details, contact information, financial data, KYC documents, and employment information required for credit assessment
• Purpose: To enable banks to process your credit card application, verify your information, conduct credit checks, and make approval decisions
• Bank's Privacy Policy: Each partner bank has its own privacy policy governing how they handle your data. We encourage you to review their policies

Important: Once your information is shared with a bank, their privacy practices and data security measures will apply. Dfinkard Hub is not responsible for how partner banks use or protect your information beyond the application process.

Third-Party Service Providers

We work with trusted third-party service providers to operate our platform efficiently:

• Credit Information Companies: CIBIL, Experian, Equifax for credit score verification (with your consent)
• SMS/Email Service Providers: For sending application updates and promotional messages
• Analytics Tools: Google Analytics, Meta Pixel for website performance tracking
• Cloud Hosting: Secure servers for data storage and website hosting
• Payment Gateways: If applicable for any fees or charges
• Customer Support Tools: CRM systems and chatbot services

All third-party providers are contractually bound to maintain confidentiality and use your information only for specified purposes.

Personal Data Protection & Security

Security facilities have been introduced by us for protecting your personal data when you enter, transmit or work with your personal information. We implement industry-standard security measures:

• SSL Encryption: All data transmitted between your browser and our servers is encrypted using 256-bit SSL/TLS
• Secure Data Storage: Personal information is stored on encrypted servers with restricted access
• Access Controls: Only authorized personnel can access your information on a need-to-know basis
• Regular Security Audits: We conduct periodic security assessments and vulnerability testing
• OTP Verification: Mobile number verification through One-Time Passwords for application submission
• Data Minimization: We collect only the information necessary for credit card applications
• Secure Document Upload: KYC documents are transmitted and stored securely

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Disclosure of Private Information to Third Parties

Your private information may be revealed by us only if it is necessary for:

• (a) Legal Compliance: Securing compliance with law's provision or with requirements of judicial proceedings concerning our system, including but not limited to complying with Income Tax authorities, RBI regulations, and court orders
• (b) Rights Protection: Protection of our rights or property, including enforcement of our Terms of Service and prevention of fraudulent applications
• (c) Safety & Security: Taking immediate actions regarding personal security of our staff or consumers of services, as well as regarding public safety
• (d) Business Partners: Your private information which we get in our disposal when you register, may be transmitted to third parties and individuals who cooperate with us for the purpose of improving the quality of our services, including partner banks, credit bureaus, and verification agencies

Your private data will not be used for any purposes other than listed above. The e-mail address you give us when you register may be used for sending you messages or notifications about changes concerning your application, as well as for distribution of messages about events and offers from our partner banks.

Cookies and Tracking Technologies

Dfinkard Hub uses cookies to enhance your browsing experience and provide personalized services:

• Essential Cookies: Required for website functionality, login sessions, and form submissions
• Analytics Cookies: Google Analytics to understand user behavior and improve our services
• Marketing Cookies: To track campaign effectiveness and show relevant card offers
• Preference Cookies: To remember your settings and previously viewed cards

You can control cookie settings through your browser. However, disabling cookies may affect certain features like application form auto-fill and card comparison tools.

Data Retention

We retain your information for different periods depending on its purpose:

• Active Applications: Throughout the application process and for 180 days post-decision
• Approved Applications: For 7 years as per banking regulations and RBI guidelines
• Rejected Applications: For 2 years for future reference and reapplication
• Marketing Data: Until you withdraw consent or request deletion
• Legal Requirements: As mandated by applicable laws and regulations

After the retention period, your information is securely deleted or anonymized.

Your Rights and Choices

Under Indian data protection laws and our commitment to transparency, you have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal data (subject to legal retention requirements)
• Withdrawal of Consent: Withdraw consent for marketing communications anytime by clicking "unsubscribe" or contacting us
• Objection: Object to processing of your data for direct marketing
• Data Portability: Request transfer of your data in a structured, machine-readable format
• Restrict Processing: Request limitation of data processing under certain circumstances

To exercise these rights, please contact us at privacy@dfinkardhub.com or call +91 7037703790. We will respond within 30 days.

Marketing Communications & Opt-Out

With your consent, we may send you promotional messages about new credit card offers, exclusive deals, and financial tips via:

• Email newsletters
• SMS alerts
• WhatsApp messages
• Push notifications (if you've installed our app)

You can opt-out anytime by:

• Clicking "Unsubscribe" in email footers
• Replying "STOP" to SMS messages
• Contacting our customer support
• Updating preferences in your account settings

Note: You will continue to receive transactional messages (application updates, OTPs) even after opting out of marketing communications.

Third-Party Websites and Bank Portals

Dfinkard Hub contains links to partner bank websites (HDFC, ICICI, Axis, SBI, etc.) and other financial service providers. Once you click these links and leave our platform:

• You are subject to the privacy policies of those external websites
• We have no control over their data practices
• We are not responsible for their privacy or security measures
• We encourage you to review their privacy policies before sharing information

Children's Privacy

Dfinkard Hub's credit card services are intended for individuals aged 18 years and above, as this is the minimum age requirement for credit card eligibility in India. We do not knowingly collect information from minors.

If you are under 18, please do not use our services or provide any personal information. If we discover we have inadvertently collected information from a minor, we will delete it immediately.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect:

• Changes in our data practices or services
• New regulatory requirements or laws
• Addition of new partner banks
• Technology upgrades or security enhancements

We will notify you of material changes by:

• Posting the updated policy on our website with a revised "Last Updated" date
• Sending an email notification (for significant changes)
• Displaying a banner on our website

Your continued use of Dfinkard Hub after policy changes constitutes acceptance of the updated terms.

Grievance Redressal

In accordance with Information Technology Act, 2000 and rules made thereunder, we have appointed a Grievance Officer to address privacy concerns:

The Grievance Officer will acknowledge complaints within 48 hours and resolve them within 30 days.