CardsNeo Credit Cards

Privacy Policy

Effective Date: 23/02/2026

This Privacy Policy describes how CardsNeo.com (“Website”, “Platform”, “we”, “us”, “our”) collects, uses, processes, stores, and protects personal information.

CardsNeo.com is operated by Heavy Consultancy Services Pvt Ltd, acting as an independent Direct Selling Agency (DSA) and distribution partner for select banks and financial institutions.

1. Legal Framework

This Privacy Policy is governed by applicable Indian laws including:

  • Information Technology Act, 2000
  • IT (Reasonable Security Practices and SPDI) Rules, 2011
  • Digital Personal Data Protection Act, 2023
  • Other applicable regulatory guidelines

2. Information We Collect

Personal Information

  • Full Name
  • Mobile Number
  • Email Address
  • Residential Address
  • Date of Birth
  • Employment & Income Details

Financial Information

  • PAN Number
  • Aadhaar (if voluntarily provided)
  • Salary Slips / Bank Statements
  • Credit Score Information (where applicable)

Technical Information

  • IP Address
  • Device & Browser Type
  • Usage Data & Cookies

3. Purpose of Data Collection

  • Facilitating credit card applications
  • Preliminary eligibility assessment
  • Coordinating with partner banks
  • Application tracking & communication
  • Compliance with legal obligations
  • Improving user experience

We do not sell personal data to third parties.

4. Data Sharing & Disclosure

We may share relevant information with:

  • Authorized banking partners
  • Financial institutions for application processing
  • Authorized DSA personnel
  • Technology service providers
  • Regulatory or law enforcement authorities (if legally required)

5. Consent

By submitting information on this Website, you provide informed consent for collection, processing, and sharing of relevant data with partner banks strictly for application facilitation purposes.

You may withdraw consent by contacting us using the details below, subject to legal retention requirements.

6. Data Security

  • Encrypted data transmission (SSL)
  • Restricted internal access controls
  • Secure document handling procedures
  • Role-based access management

While we implement reasonable safeguards, no online transmission can be guaranteed 100% secure.

7. Data Retention

Personal information is retained only as long as necessary for application processing, compliance requirements, and dispute resolution.

8. User Rights

  • Request access to your data
  • Request correction of inaccurate data
  • Withdraw consent
  • Request deletion (subject to legal obligations)
  • Raise grievances regarding misuse

9. Cookies Policy

We use cookies to enhance user experience, analyze traffic, and improve website functionality. Users may disable cookies via browser settings.

10. Third-Party Links

Our Website may contain links to bank or third-party websites. We are not responsible for their privacy practices.

11. No Financial Decision Authority

CardsNeo.com operates solely as a facilitation and distribution platform. Final credit approval, interest rates, fees, eligibility, and card issuance decisions are made exclusively by the respective issuing bank.

12. Children's Privacy

This Website is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors.

13. Updates to This Policy

We reserve the right to update this Privacy Policy at any time. Updated versions will be posted on this page with a revised effective date.

14. Grievance Officer

In accordance with applicable law, grievances may be addressed to:

Heavy Consultancy Services Pvt Ltd Grievances Officer Bholanath Seth
Subash Nagar, Nandani Road, Near Govt School Bhilai, Pin - 490011
Email: contact@heavygroups.com
Phone: 8818855117

At Heavy Consultancy Services Pvt. Ltd., we do not charge any fees, commissions, or payments from our customers, nor do we collect any charges on behalf of any of our partnered banks or Non-Banking Financial Companies (NBFCs). We provide consultancy services without any direct financial transaction between us and the customer regarding loan processing or approval.

All trademarks, logos, and brand names are the property of their respective owners. Heavy Consultancy Services operates as an independent Direct Selling Agency (DSA) for select banks. Final credit approval and product terms are solely at the discretion of the issuing bank.