Privacy Policy

GCT Technologies Private Limited is concerned about the privacy of its users (herein referred to as "You", "Yourself" or "Users") accessing its website and/or mobile applications and/or availing the services of GalaxyCard (The trade name of GCT technologies Private Limited) being provided by GALAXYCARD mobile app and/or availing any other service being provided by GALAXYCARD.

GALAXYCARD has thereby provided this privacy policy ("Policy") to familiarize You with the manner GALAXYCARD handles and deals with Your information.

The Policy is subject to change at any time without notice. By visiting this website and every time You choose the GalaxyCard Option on this website or on any of our Merchant Partner's store or website, You agree to be bound by the terms and conditions of this Policy.

To make sure you are aware of any changes, please review this Policy periodically.

Definitions

Capitalised terms used herein but not defined above shall have the following meanings:

““Credit Information” means collectively the Credit Information Report and Credit Score which shall be generated by Experian; 

“CICRA” shall mean the Credit Information Companies (Regulation) Act, 2005 read with related rules and regulations. 

“Experian” shall mean Experian Credit Information Company of India Private Limited

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

GalaxyCard can only access your Credit Information as your authorized representative and shall use Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein. 

The Parties acknowledge that the Credit Information provided to GalaxyCard is solely the property of Experian and the consumer (as appropriate). We shall protect and keep confidential the Credit Information both online and offline and use best in class security measures in line with applicable laws.The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased or returned to Experian promptly either on the customer seeks GalaxyCard expressly to do so and/or seeks to revoke the consent OR if it is mandated or intimated by regulators. The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of India. 

Information Collected

When you use any of the services provided by GALAXYCARD on this website, or on any portal provided by GALAXYCARD or on the website of any of GALAXYCARD's Merchant Partners, GALAXYCARD may seek and collect certain personal information (hereinafter referred to as "Information"). Accordingly, whenever You use this website, avail any of the services of GALAXYCARD directly or with partnership with a Merchant Partner of GALAXYCARD, You consent to the collection, use and disclosure of the Information in accordance with the terms and conditions of this Policy.

Personal information refers to any information that relates to a natural person, which is capable of identifying such a person. GALAXYCARD may collect Information such as your name, address, mobile number, date of birth, gender, qualifications, proof of identity, proof of address, bank account details, transaction history on its Merchant Partner's websites, data available on your mobile phone including your contact book, your device's geo-location - even when the app is not in use or in background, installed apps and other electronic devices, etc.

The Information may be collected from you when you use the website www.GalaxyCard.in, or when you use the mobile phone applications of GALAXYCARD, or when you fill in the information in any online application form provided by GALAXYCARD or when you make a transaction with any of the Merchant Partners of GALAXYCARD. The Information being collected may be categorized into mandatory and voluntary. In the event you do not provide the mandatory information, GALAXYCARD may not be able to provide You with its services including the GalaxyCard Option.

GALAXYCARD only collects Information, which is relevant with the services being provided by GALAXYCARD. The Information is collected to analyse your transaction patters and to conduct credit worthiness checks. To see additional details on what data is collected, see our Terms of service on our website www.galaxycard.in

We use data collection devices such as "cookies" on certain pages of our website and in our mobile applications to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. We offer certain features that are only available through the use of a "cookie". Cookies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline our cookies if your browser permits.

If you transact with us, we collect some additional information, such as a billing address, a credit/debit card number and credit/debit card expiration date and/ or other payment instrument details and tracking information from cheques or money orders.

Utilisation of the Information

The Information collected will be used for the following purposes:

To verify your identity on GALAXYCARD's platform or the platform of any of its Merchant Partners

To create the best, personalised experience for you

For internal data analysis and marketing operations

To reach out to potential customers and offer them the best customised services through the platform

Ensure adherence to legal and regulatory requirements for prevention and detection of frauds and crimes amongst others

GALAXYCARD will keep your Information confidential to the maximum extent possible. GALAXYCARD may have partnership and/or collaboration arrangement with various financial institutions ("FI Partners") and merchants ("Merchant Partners"), and may share Your Information with them if required. The Information thus shared with the FI Partners and the Merchant Partners shall be processed and dealt by them in accordance with individual privacy polices. You hereby consent to your Information being shared by GALAXYCARD with its FI Partners and/or Merchant Partners. GALAXYCARD does not make any representation about the privacy policies of any third parties.

Information that is deemed to be sensitive in nature such as your bank records and your contact book is only shared with external parties if absolutely necessary and after getting explicit consent from you

In the event GALAXYCARD receives any document on behalf of the FI Partner or the Merchant Partner, GALAXYCARD shall collect and retain such documents as an agent for the FI Partner and the Merchant Partner as the case may be.

GALAXYCARD does not sell or rent your Information. The Information is only used by GALAXYCARD to provide its services to its customers.

Google User Data

GALAXYCARD may, with your consent, requests a one time read access on your inbox. GALAXYCARD will access your public profile and will extract bank statement pdfs, income tax records, and other data relevant to building a financial profile for you. This data is stored by GALAXYCARD as per laws and guidelines set by RBI. GALAXYCARD may also share this information with our FI partners. GALAXYCARD may also share this information with selected PARTNERS with your prior consent.

Disclosure of Information

Internal Use: GALAXYCARD and its employees may utilise the Information for the purposes as set out in the ‘Utilisation of the Information' section.

Government agencies: GALAXYCARD may share any and all parts of the Information with Government agencies, administrative bodies, authorised law enforcement agencies, court, regulatory/governmental authority or any other organisation, individual or entity for the following reasons:

Verification of identity

Prevention, detection, investigation including but not limited to cyber incidents, prosecution and punishment of offences

To comply with applicable law, order, regulation, or government request

To enforce applicable terms of service, including investigation of potential violation.

To detect, prevent, or otherwise address fraud, security or technical issues

For any other purpose as required by law, judicial or administrative order or regulation.

Security Practices and Procedures

Internal access to the Information is on a need- only basis. Further, employees and personnel of GALAXYCARD are bound by confidentiality policies, which obligate them to protect the confidentiality of the Information.

Best efforts will be taken to ensure that the third parties to whom the Information is shared to enable GALAXYCARD to provide its services are also bound by confidentiality policy similar to the policy that GALAXYCARD abides by.

The Information shall be retained for as long as is required to provide the services to you, or as may be required for internal operations or as may be required by law. Wherever Your Information may be held within GALAXYCARD, the GALAXYCARD intends to take reasonable steps to protect it from unauthorized access or disclosure. GALAXYCARD is committed to protecting the security of Your personal information. We use a variety of security technologies and procedures to help protect Your personal information from unauthorized access, use, or disclosure.

Notwithstanding anything mentioned herein in this Policy or elsewhere, GALAXYCARD shall not be held responsible for any loss, damage or misuse of Your Information, if such loss, damage or misuse is due to a Force Majeure Event.

A "Force Majeure Event" shall refer to any event that is beyond GALAXYCARD's reasonable control and shall include, without limitation, flood, explosion, acts of God, sabotage, fire civil commotion, strikes or industrial action of any kind, war, acts of government, riots, insurrection, computer hacking, un-authorised access to computer data and storage device, computer crashes, breach of security and encryption, etc.

Any dispute you may have in relation to the collection and use of Your Information shall be subject to this Policy and laws of India.

In accordance with Information Technology Act 2000 and rules made there under, the contact details of the Grievance Officer are provided below:

Grievance Officer

GCT Technologies Private Limited

Email: compliance@GalaxyCard.in

Questions?

Questions regarding GalaxyCard, its products or any other questions in relation to the foregoing should be directed to the following address: support@GalaxyCard.in