Effective as of September 23, 2013
This document is an electronic record in terms of the Information Technology Act, 2000 (the “Act”) and rules there under (as applicable) and the amended provisions pertaining to electronic records in various statutes as amended by the Act.
This electronic record is generated by a computer system and does not require any physical or digital signatures.
(a) Cardback collects and stores your personal information that is provided by you from time to time and upon use of the Website. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our Website to make your experience safer and easier.
(b) Please note that once you provide us your personal information, you are not anonymous to us. Where possible, we specify the “required” and “optional” fields. You always have the option not to provide information by choosing not to use a particular service or feature on the Website. We may automatically track certain information about you based upon your behaviour on our Website. We use this information to do internal research on our users' demographics, interests, and behaviour to better understand, protect and serve our users. This information is compiled and analysed on an aggregated basis. This information may include the URL that you just came from (whether this URL is on our Website or not), which URL you next go to (whether this URL is on our Website or not), your computer browser information, your device information and your IP address.
(c) If you choose to post messages on our message boards, chat rooms or other message areas or leave feedback, we shall collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.
(d) If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we may collect such information into a file specific to you.
(e) We collect personally identifiable information (email address, name, phone number, payment instrument details, etc.) from you when you set up a free account with us. We do use your contact information to send you offers based on your previous orders and your interests.
(f) Cardback shall have a right to use the information and data collected from the User, including but not limited to, the personal information, card details and transaction pattern of a User for any purpose whatsoever.
2. Use of Demographic/Profile Data/Your Information
(a) We use your personal information to resolve disputes; troubleshoot problems; help promote a safe service; measure consumer interest in our products and services, inform you about online and offline offers, products, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection.
(b) In our efforts to continually improve our product and service offerings, we collect and analyse demographic and profile data about our users' activity on our Website.
(c) We identify and use your IP address and mobile phone/tablet data to help diagnose problems with our server, and to administer our Website. Your IP address and mobile phone/tablet data is also used to help identify you and to gather broad demographic information.
(d) We shall occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, or income level). We use this data to tailor-make your experience at our Website, providing you with content that we think you might be interested in and to display content according to your preferences.
3. Cookies and Cache
(a) A "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. We place both permanent and temporary cookies in your computer's hard drive or the storage media of your phone or computer tablet. The cookies do not contain any of your personally identifiable information.
(b) A “cache” is a memory storage area in the phone that stores copies of information that is likely to be needed in the near future, so it can be accessed faster. When you visit or access our Website on your phone, a copy of the webpage may be stored in the phone's cache memory. If the webpage is requested again, it can instantly be displayed from the cache, instead of waiting for the webpage to download from the internet again. We keep a cache of user account related information on your mobile phone/device.
4. Sharing of personal information
(a) We may share personal information with our other corporate entities and affiliates to help detect and prevent identity theft, fraud and other potentially illegal acts; correlate related or multiple accounts to prevent abuse of our services; and to facilitate joint or co-branded services that you request where such services are provided by more than one corporate entity. Those entities and affiliates may not market to you as a result of such sharing unless you explicitly opt-in.
(b) We may disclose personal information if required to do so by
law or in the good faith belief that such disclosure is reasonably necessary to
respond to subpoenas, court
5. Links to Other Sites: Our Website links to other websites that may collect personally identifiable information about you. Cardback is not responsible for the privacy practices or the content of those linked websites.
6. Security Precautions: Our Website has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.
(a) We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account.
(b) If you want to remove your contact information from the entire Website, please send an email to firstname.lastname@example.org.
8. Advertisements on the Website: We use third-party advertising companies to serve advertisements when you visit our Website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this Website and other websites in order to provide advertisements about goods and services of interest to you.
9. Your Consent
12. Intellectual Property:
(a) “Intellectual Property” includes:
(i) all patents, trademarks, business processes, domain names, works of authorship, designs, utility models, copyrights whether registered or unregistered, which are owned by Cardback or acquired or developed by Cardback in the course of its business, including, but not limited to moral rights and any similar rights in any country, whether negotiable or not and also includes any applications for any of the foregoing and the right to apply for them in any part of the world; and
(ii) all processes, inventions, ideas, programs, codes, software, algorithms, discoveries, correspondence, trade secrets, databases, know-how, creations or improvements upon, additions or any research effort relating to any of the above, whether registrable or not.
(b) The Website and all the Intellectual Property is controlled and operated by Cardback. The Intellectual Property is for your personal, non-commercial use only. You must not copy, reproduce, republish, upload, post, transmit or distribute the Intellectual Property in any way, including by email or other electronic means and whether directly or indirectly and you must not assist any other person to do so. Without the prior written consent of the owner, modification of the Intellectual Property, use of the Intellectual Property on any other website or networked computer environment or use of the Intellectual Property for any purpose other than personal use is a violation of the copyrights, trademarks and other proprietary rights of Cardback, which are secured by the laws of India, and is prohibited.
Mr Nikhil Wason,
Orangut Labs Private Limited
Flat number 62 D, Pocket BW,
New Delhi 110 088, India
Available during following working days and hours: Mon to Fri, 10 am to 7 pm