Glowing Star Corporation (“we,” “our,” “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your data when you use our website — glowingstarcorporation.com — and our services, including credit card assistance, loan applications, and other financial-related solutions.
1. Definitions
- Personal Data / Personal Information: Any information that identifies or can identify an individual (e.g., name, address, contact details, financial data).
- Services: Includes credit card application support, loan processing, eligibility verification, and customer support.
2. Information We Collect
We may collect personal information through various channels including our website, forms, or customer interactions. This may include:
- Identity Information: Full name, date of birth, gender, photograph (if provided).
- Contact Information: Residential/mailing address, email address, phone number.
- Financial Information: Bank account details, income proofs, PAN, Aadhaar (if legally required), credit history, or transaction data.
- Documentary Proofs: Identity proof, address proof, income proof, employment/business documents.
- Technical Data: IP address, browser type, device details, cookies, and browsing patterns.
- Communication Records: Emails, messages, or call logs when you contact us.
(Additional information may be collected based on specific services or forms.)
3. Purpose of Collecting Information
We use your personal information for legitimate business purposes such as:
- Processing loan and credit card applications.
- Conducting KYC (Know Your Customer) and regulatory verification.
- Payment and transaction processing.
- Providing updates, service notifications, and customer support.
- Preventing fraud, risk assessment, and ensuring compliance.
- Fulfilling legal and regulatory requirements (e.g., RBI or other authorities).
- Sending marketing or promotional offers (only with your consent).
- Improving our services and user experience.
4. Legal Basis and Consent
We process your data based on your consent, legal obligations, contractual necessity, or our legitimate business interests.
Where applicable, your explicit consent will be obtained before collecting or processing sensitive data.
5. Information Sharing and Disclosure
We may share your personal data with trusted third parties, including:
- Credit Bureaus / Credit Reporting Agencies (for eligibility and verification).
- Banking Partners / Payment Gateways.
- Service Providers and Contractors assisting us in KYC, verification, IT, or customer support operations.
- Government or Regulatory Authorities when required by law.
- Business Transfers such as mergers, acquisitions, or restructuring.
We ensure that all third parties handle your information in accordance with strict confidentiality and data protection standards.
6. Data Security
We implement industry-standard security measures — including encryption, secure access controls, regular audits, and employee confidentiality training — to protect your data from unauthorized access, alteration, disclosure, or destruction.
However, no electronic storage or transmission method is 100% secure, and we cannot guarantee absolute security.
7. Data Retention
We retain your information only for as long as necessary to:
- Provide our services,
- Comply with legal or regulatory obligations, and
- Resolve disputes or enforce agreements.
When data is no longer required, we securely delete or anonymize it.
8. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to enhance user experience and collect analytics data.
You can manage or disable cookies via your browser settings, but doing so may affect some website features.
9. Your Rights
You have the right to:
- Access your personal information held by us.
- Request correction or update of inaccurate data.
- Request deletion of your personal data (subject to legal or regulatory requirements).
- Restrict or object to processing in certain circumstances.
- Withdraw consent for marketing communications.
To exercise these rights, please contact us using the details below.
10. Children’s Privacy
Our services are not intended for individuals under the age of 18.
We do not knowingly collect data from minors. If you believe a child has provided us with personal data, please contact us for prompt deletion.
11. Third-Party Links
Our website may contain links to third-party websites.
We are not responsible for the privacy practices or content of those websites. Please review their privacy policies before sharing any personal information.
12. Contact Information
For questions, complaints, or requests regarding this Privacy Policy, please contact:
Email: support@glowingstarcorporation.com
Mailing Address: Glowing Star Corporation, [Insert Your Office Address]
Our team will respond to your query in accordance with applicable data protection laws.
13. Updates to This Policy
We may update this Privacy Policy from time to time.
The updated version will be posted on our website with a new “Effective Date.”
We encourage you to review this page periodically to stay informed.
Important Note
This Privacy Policy is a general compliance-friendly draft aligned with Indian data protection practices (including RBI and Digital Personal Data Protection Act 2023 guidelines).
It is recommended to review it with a legal or compliance advisor before final publication.