Privacy & consent

MyCredit is operated by My Credit India, Meenakshi Tower, 27-B/2, New Rohtak Road, Karol Bagh, New Delhi 110005. Contact: privacy@mycreditclub.in. This notice covers the invite-only account product that plans loyalty redemptions from the cards and balances you choose to enter.

We collect and store, per account:

• The card types you tell us you hold (from our list) and the last 4 digits you optionally enter, to label your wallet.
• Your loyalty point balances for card currencies and airline/hotel programmes you enter.
• Your status tier in each programme (a tier name, e.g. “Gold”), plus any optional progress numbers you add.
• Your email, used only to sign you in with a one-time code and to send you service messages (like the monthly refresh reminder).

We do NOT collect or store:

• Full card numbers, CVV, PINs, or expiry dates.
• Your net banking, card, or loyalty-programme passwords or login credentials.
• Your transactions or statement files. Statement parsing (in the audit tool) happens on your device; the file and its password never reach us.
• Your SMS, or any direct access to your bank or loyalty accounts.

When you tap a programme link, it opens that programme's own website in your browser. You sign in there with your own saved credentials — MyCredit never sees, handles, or stores them. We do not log in on your behalf or scrape your accounts.

Solely to compute and show your best redemptions and the benefits your status tiers unlock. We do not sell your data, and we do not show ads.

Your account record is stored in our secured datastore, keyed to your email, using reputable third-party processors (cloud hosting and a spreadsheet-backed store) under confidentiality terms. Access is limited to the invite whitelist and the operator. Exact data-residency and the full processor list are being finalised with counsel.

You can edit or clear any card, balance, or tier at any time from your account. To delete your account and all associated data, contact privacy@mycreditclub.in — withdrawal is as easy as sign-up. You can unsubscribe from reminder emails at any time.

By signing in and saving your wallet, you consent to the processing described above, for the stated purpose only. This consent is specific and is not bundled with marketing. You may withdraw it at any time, as easily as you gave it, by deleting your account.

For any privacy question, complaint, or request to access or delete your data, contact our Grievance Officer: Sunil Kapoor, sunil@mycreditclub.in — My Credit India, Meenakshi Tower, 27-B/2, New Rohtak Road, Karol Bagh, New Delhi 110005.