Effective Date: 1st July 2025
Last Updated: 28th September 2025

The website getblackcard.in (referred to as the "Website") is operated by Station91, Inc. (referred to as "Station91," "we," "us," or "our" in this Privacy Policy).

At Station91, we value your trust and respect your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use BlackCard, a credit management product designed to help you manage your credit cards, credit scores, and overall financial health.

By accessing or using BlackCard, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue using our services immediately.

1. Information We Collect

To provide you with our services, we collect different types of information:

a) Personal Information

• Full name

• Email address

• Mobile number

• Date of birth

• Government-issued identification (e.g., PAN, Aadhaar)

• Residential address

• Employment and income details

b) Financial Information

BlackCard may require sensitive financial data to provide accurate services, including:

• Credit card details (last 4 digits only)

• Card issuer and type

• Credit limit and outstanding balances

• Repayment history

• Credit bureau data (e.g., CIBIL, Experian)

• Bank account details for verification and payments

Note: We do not store full credit card numbers, CVV, or OTPs in compliance with RBI card tokenization guidelines and PCI-DSS standards.

c) Device and Technical Information

• Device type and operating system

• IP address

• Browser type and version

• Pages visited and duration of visits

• Cookies and tracking technologies

d) Contact Information (with consent)

With your explicit consent, we may access your contact list to enable referral features and manage user-to-user referrals.

2. How We Use Your Information

We use your data for the following purposes:

• Credit Management:
  Provide insights on credit usage, payment reminders, and personalized recommendations.

• Credit Score Tracking:
  Securely fetch and display your credit score.

• Fraud Prevention & Compliance:
  Detect fraudulent activities and comply with RBI and other regulatory guidelines.

• Customer Support:
  Assist with queries and troubleshoot issues.

• Legal Obligations:
  Comply with laws such as the Information Technology Act, 2000, RBI Guidelines on Digital Lending, and PCI-DSS compliance.

• Product Improvement & Marketing:
  Improve services and, with consent, send relevant updates and offers.

3. Consent Management

We will always seek your explicit consent before:

• Accessing financial data like credit reports.

• Fetching credit score and repayment data.

• Accessing your contact list for referrals.

You may withdraw your consent anytime by contacting us at hello@getblackcard.in.

4. Credit Bureau Data Compliance

BlackCard integrates with credit bureaus like CIBIL, Experian, Equifax, and CRIF High Mark.

We strictly comply with:

• Credit Information Companies (Regulation) Act, 2005 (CICRA)

• RBI Guidelines on Credit Information Sharing

• Fair Practices Code for Credit Reporting

Your credit data will only be fetched after explicit consent and will never be shared without authorization.

5. Sharing of Information

We do not sell or rent your data. We may share information only with trusted third parties under strict confidentiality for:

• Payment Processing (RBI-compliant, PCI-DSS certified gateways)

• Credit Bureaus for secure score fetching

• Regulatory Authorities when legally required

6. Data Retention

We retain your data only as long as necessary to:

• Provide services

• Meet legal and compliance requirements

• Resolve disputes and enforce agreements

You can request deletion of your data, subject to applicable laws.

7. Security Measures

We use advanced security protocols, including:

• End-to-end encryption (SSL/TLS)

• Encrypted data storage

• Regular security audits

• Compliance with PCI-DSS and ISO 27001 standards

Despite these efforts, no method is 100% secure, and you acknowledge this risk by using our services.

8. Cookies Policy

We use cookies to:

• Enhance site functionality

• Analyze user behavior

• Provide a personalized experience

You may disable cookies via your browser, but some features may not work properly.

9. Third-Party Links

Our website may link to external sites. We are not responsible for the privacy policies or content of these third-party websites.

10. Children's Privacy

BlackCard is not intended for individuals under 18.
If a minor’s data is collected inadvertently, contact us for immediate deletion.

11. Your Rights

You have the right to:

• Access and request a copy of your data

• Correct inaccurate information

• Request deletion of your data

• Withdraw consent for certain data uses

Contact hello@getblackcard.in to exercise these rights.

12. Changes to This Policy

We may update this policy from time to time.
Updated versions will be posted here, and the "Effective Date" will be revised.

Continued use of BlackCard after updates indicates your acceptance of the revised policy.

13. Contact Us

For questions or concerns regarding this policy:

Email: hello@getblackcard.in
Website: https://getblackcard.in
Registered Entity: Station91, Inc.

Compliance Statement

This Privacy Policy complies with:

• RBI Guidelines on Credit Card Data Management

• Credit Information Companies Regulation Act, 2005 (CICRA)

• Information Technology Act, 2000

• PCI-DSS Security Standards

• General Data Protection Regulation (GDPR), where applicable