Last updated: 10 June 2026
CardMasters ("we", "us") is an independent credit-card intelligence platform for India. This policy explains, in plain language, what personal data we handle and how — consistent with the Digital Personal Data Protection Act, 2023 (DPDP Act).
Only what you declare voluntarily during onboarding and in your profile: your approximate monthly income, your monthly spending by category, the credit cards you already hold, your city, and your employment type. We do not collect your name, PAN, Aadhaar, card numbers, statements, or contact details, and we do not pull your credit report.
For now, everything you enter is stored locally in your own browser (localStorage) on your device. It is not transmitted to or stored on our servers. Clearing your browser data deletes it entirely — that is your simplest way to exercise erasure. If we ever move to server-side accounts, we will ask for fresh, specific consent first, as the DPDP Act requires.
We do not sell your data. We do not share your declared income or spends with banks, advertisers, or anyone else. Card recommendations are computed on your device against our public card knowledge base.
When you tap "Apply", we send you to the bank's own application page. Any commission we may earn is disclosed next to every recommendation before you click. We do not append hidden tracking of your identity to those links.
Under the DPDP Act you have the right to access, correct, and erase your personal data, and to raise a grievance. Because your data sits in your browser, you can view and edit it on the Profile page and erase it by clearing site data. For anything else, write to us.
Questions, corrections or grievances: hello@cardmasters.in. We aim to respond within 7 days.