Privacy Policy

We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how SP Grand Solutions collects, uses, shares, and safeguards personal data in relation to Pre-Approved Card offers, eligibility checks, and related services.

1. Scope

This Privacy Policy applies to all visitors, applicants, and cardholders who interact with our platforms for pre-approved card offers, marketing communications, eligibility assessments, and card issuance processes.

2. Information We Collect

We may collect and process the following categories of information:

Identity & Contact Information: Name, date of birth, residential address, email address, and mobile number.

KYC & Identification Documents: PAN, Aadhaar, and other identity documents required for verification.

Credit & Financial Information: Credit bureau data, income details, existing credit facilities, and repayment history for eligibility assessment.

Offer & Interaction Data: Pre-approved offer details, consent preferences, application status, clicks, and responses.

Technical & Usage Data: Device details, IP address, cookies, application logs, and usage patterns.

3. Pre-Approved Offers & Soft Credit Checks

To assess eligibility for pre-approved offers, we may conduct soft credit checks with authorized credit bureaus. These checks do not affect your credit score.
If a hard credit inquiry is required for final application or card issuance, we will obtain your explicit consent beforehand.

4. How We Use Your Information

We use your personal data to:

Assess eligibility and provide personalized pre-approved offers;

Conduct KYC and identity verification;

Process card applications and related transactions;

Detect, prevent, and investigate fraud or misuse;

Send service-related and marketing communications (where consent is provided);

Comply with applicable legal, regulatory, and contractual obligations.

5. Data Sharing

We may share your information only with entities necessary to deliver our services, including:

Credit bureaus (for eligibility and credit checks);

Banks and card issuing partners;

Payment processors and KYC verification vendors;

Trusted service providers (technology, analytics, communication);

Regulators or law enforcement agencies, where required by law.

We do not sell your personal information to any third party.

6. Marketing Communications & Opt-Out

If you receive marketing or pre-approved offer communications, you may opt out at any time by using the unsubscribe option provided or by contacting us directly.
Please note that opting out of marketing communications will not affect essential service-related messages such as transaction alerts or regulatory notices.

7. Data Security

We implement industry-standard security measures, including encryption, access controls, continuous monitoring, and periodic audits, to protect your data. However, no system can be guaranteed to be completely secure.

8. Data Retention

Personal information is retained only for as long as necessary to fulfill the purposes outlined in this policy or to meet legal, regulatory, or accounting requirements. Retention periods may vary depending on the type of data.

9. Your Rights

You have the right to:

Access the personal data we hold about you;

Request correction of inaccurate or incomplete information;

Request deletion of data, subject to legal and regulatory requirements;

Withdraw marketing consent at any time;

Object to certain processing activities and request data portability, where applicable.

10. Children’s Privacy

Our services are intended for individuals aged 18 years and above. We do not knowingly collect personal data from minors.

11. International Data Transfers

Your personal information may be stored or processed outside your country of residence. In such cases, we ensure appropriate safeguards are in place to protect your data in accordance with applicable laws.

12. Updates to This Policy

We may revise this Privacy Policy periodically. Any material changes will be published on our website along with the updated effective date.

13. Contact Us

For questions regarding this Privacy Policy or to exercise your rights, please contact:

Email: support@spgrandsolutions.com

Phone: +91-89295 64959
Address: WZ-152, B/4, 3rd Floor, Block-1, Mudgal Complex, Uttam Nagar, New Delhi – 111059

Disclaimer:
This Privacy Policy is a sample template and is provided for informational purposes only. It does not constitute legal advice. Please consult a qualified legal professional before publishing or relying on this document.