Privacy Policy

Pouring Pounds India Private Limited (“We,” “Our,” “CashKaro,” “BankKaro,” or “Us”) owns and operates the website https://www.bankkaro.com (“Website,” “Our Website,” “Site”). For the purpose of providing services (“Services” as defined in Clause 1), BankKaro is required to collect, use, and share certain information of users (“Users,” “You,” “Your”) who use the Website. This Privacy Policy (“Policy”) explains Our policies and procedures for collection, use, storage, processing, disclosure, and protection of any personal information, including sensitive personal data, that You provide while using the Website.

Your use of and access to the Services is subject to this Policy and Our Terms and Conditions. Any capitalized term used but not defined in this Policy shall have the meaning attributed to it in Our Terms and Conditions.

This Policy is published in accordance with the Information Technology Act, 2000, and applicable rules, including the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (SPI Rules).

1. Definitions

• Personal Information: As defined under Rule 2(1)(i) of the SPI Rules, personal information refers to information that relates to a natural person, which, either directly or indirectly, is capable of identifying such a person.
• Sensitive Personal Data or Information: Refers to personal information about a person relating to:

• Passwords;
• Financial information such as bank account details or payment instrument details;
• Physical, physiological, and mental health conditions;
• Sexual orientation;
• Medical records and history;
• Biometric information;
• Information received under lawful contract or otherwise.

• Services: Refers to the Website and related communication channels such as email, SMS, WhatsApp, and phone calls, primarily offering financial products like credit cards, loans, and other services provided by financial entities (“Financial Entities”).
• Website: Refers to https://www.bankkaro.com.

Why This Privacy Policy?

This Privacy Policy provides information about:

1. The type of information collected from Users;
2. The purpose, means, and modes of usage of such information; 3.How and to whom such information will be disclosed.

3. Collection and Handling of Personal Information

We may collect the following information from You:

• Contact data (email, phone number);
• Username and passwords;
• Demographic data (name, gender, date of birth, address, etc.);
• PAN number and financial details;
• Bank account information (name of the bank, account number, IFSC code);
• Details of transactions, browsing patterns, and order IDs;
• Any other information voluntarily provided by You.

All information provided to Us shall be classified as “Personal Information” or “Sensitive Personal Data” under the SPI Rules.

4. Use of Information

We may use Your information for the following purposes:

1. To provide and improve the Services;
2. To facilitate Your interactions with Financial Entities;
3. For marketing and promotional purposes;
4. To analyze usage patterns for product improvements;
5. To comply with legal and regulatory requirements; 6.To provide customer support.

5. Data Sharing

We may share Your information with:

1. Financial Entities to process Your applications;
2. Third-party service providers for analytics, customer support, and marketing;
3. Government institutions as required by law;
4. Advertising platforms (e.g., Google Ads, Facebook) for remarketing purposes.

6. Retention of Data

We will retain Your data as long as necessary to fulfill the purposes for which it was collected or as required by applicable laws. Afterward, the data may be anonymized for analytical purposes.

7. User Rights

You have the right to:

1. Access, review, and request corrections to Your data;
2. Withdraw consent for data usage (subject to consequences);
3. Delete Your account by contacting Us at contact@bankkaro.com.

8. Cookies

We use cookies to:

1. Track purchases and award cashback;
2. Analyze browsing patterns to improve Services.

You can manage cookies through browser settings. Disabling cookies may affect certain functionalities of the Website.

9. Security Measures

We use industry-standard security measures to protect Your data, including encryption and secure cloud storage. However, We are not liable for unauthorized access due to factors beyond Our control (e.g., hacking).

10. Grievance Officer

If You have any grievances regarding this Policy, please contact:

Name: Manish Saini

Designation: IT Manager

Address: UM House, 2nd Floor, Sector 44, Gurugram, Haryana 122002, India Email: contact@bankkaro.com

This Privacy Policy may be updated from time to time. Continued use of the Website constitutes acceptance of any changes. For questions, contact Us at contact@bankkaro.com.