Welcome to CreditLogic.in — India's trusted source for honest credit card reviews, comparisons, cashback guides, and money-saving financial tips. We are committed to protecting your privacy and being fully transparent about how we handle your information.
Please read this Privacy Policy carefully before using our website. By accessing or using CreditLogic.in, you agree to the terms described below.
1. About CreditLogic.in
CreditLogic.in is an independent personal finance blog based in India. We publish educational content about credit cards, UPI payments, banking products, and financial decision-making. We are not a bank, financial institution, or registered financial advisor.
Website: www.creditlogic.in Contact Email: creditlogic456@gmail.com Country of Operation: India
2. Information We Collect
A) Non-Personal Information (Automatically Collected)
When you visit CreditLogic.in, we automatically collect certain non-personal information through analytics tools:
- Browser type and version
- Device type (mobile, desktop, tablet)
- Operating system
- Pages visited and time spent on each page
- Referring website (how you found us)
- Exit pages
- Approximate geographic location (country/city level only)
- Internet Service Provider (ISP)
This data is collected only to improve our website's user experience and understand which content is most helpful to our readers. This information cannot be used to personally identify you.
B) Personal Information (Voluntarily Provided)
We only collect personal information when you voluntarily provide it — for example:
- When you contact us via our Contact Form or email
- When you subscribe to our email newsletter
- When you leave a comment on an article
Personal information we may collect includes:
- Your name (as provided by you)
- Your email address
- Any other information you choose to share in your message
We do not:
- Sell your personal information to any third party
- Rent your data to advertisers
- Share your personal data without your consent (except as required by law)
- Store financial information of any kind
3. Cookies Policy
What Are Cookies?
Cookies are small text files stored on your device by your browser when you visit a website. They help websites remember your preferences and improve your experience.
How We Use Cookies
CreditLogic.in uses cookies for the following purposes:
a) Analytics Cookies (Google Analytics) We use Google Analytics to understand how visitors use our website. Google Analytics collects anonymised data about page views, session duration, traffic sources, and device type. This data helps us improve our content and user experience.
You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-on.
b) Advertising Cookies (Google AdSense) We use Google AdSense to display advertisements on our website. Google AdSense uses cookies — including the DoubleClick cookie — to serve personalised ads based on your browsing history on CreditLogic.in and other websites you have visited.
Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our site and/or other sites on the Internet.
You can opt out of personalised advertising at any time by visiting: - https://adssettings.google.com/
c) Functional Cookies These cookies remember your preferences (such as language or region settings) to improve your browsing experience.
Third-Party Cookies
Third-party companies — including Google, affiliate networks, and social media platforms — may also place cookies on your device when you visit CreditLogic.in. These cookies are governed by the respective third-party's privacy policy, not ours.
Managing Cookies
You can control and delete cookies through your browser settings. Please note that disabling cookies may affect the functionality of certain features on our website.
For more information about cookies and how to manage them, visit: www.allaboutcookies.org
4. Google AdSense and Advertising
CreditLogic.in participates in the Google AdSense programme to display advertisements on our website. This helps support our free content.
Important disclosures about our advertising:
- Ads displayed on CreditLogic.in are served by Google and its advertising partners
- Google may use cookies and web beacons to collect data for ad personalisation
- The ads you see may be based on your previous browsing history across the internet
- CreditLogic.in does not control the content of third-party advertisements
- We do not endorse products or services advertised through Google AdSense
Google's Privacy Policy: https://policies.google.com/privacy Google Ad Settings: https://adssettings.google.com/
CreditLogic.in complies with Google's publisher policies and the Indian Information Technology Act, 2000 and its amendments.
5. Affiliate Disclosure
CreditLogic.in participates in affiliate marketing programmes. This means:
- Some links on our website are affiliate links
- When you click on these links and complete an action (such as applying for a credit card or making a purchase), we may earn a small commission at no additional cost to you
- Affiliate relationships do not influence our editorial content or recommendations
- We only recommend products and services we genuinely believe provide value to our readers
- All affiliate partnerships are disclosed in accordance with applicable guidelines
Affiliate partners may include:
- Credit card issuers and banks
- Amazon and e-commerce platforms
- Affiliate networks such as VCommission, Admitad, Bankbazaar, and others
Our editorial opinions remain independent and unbiased regardless of affiliate relationships.
6. Third-Party Services We Use
We use the following third-party services on CreditLogic.in:
Each of these services has its own Privacy Policy. We encourage you to review them to understand how your data may be used by these third parties.
7. Children's Privacy
CreditLogic.in is intended for users who are 18 years of age or older. Our content relates to financial products and services that are only available to adults.
We do not knowingly collect personal information from children under the age of 13. If you believe a child has provided us with personal information, please contact us immediately at creditlogic456@gmail.com and we will delete such information promptly.
8. Data Retention
We retain personal information you voluntarily provide (such as contact form submissions) only for as long as necessary to respond to your inquiry and for record-keeping purposes. We do not retain personal data beyond what is reasonably necessary.
Non-personal analytics data may be retained by Google Analytics as per their data retention settings.
9. Your Rights (Under Indian IT Act and Global Standards)
As a user of CreditLogic.in, you have the following rights:
- Right to Access: You may request information about what personal data we hold about you
- Right to Correction: You may request correction of inaccurate personal data
- Right to Deletion: You may request deletion of your personal data from our records
- Right to Opt-Out: You may opt out of personalised advertising at any time
- Right to Withdraw Consent: You may withdraw consent to data collection at any time
To exercise any of these rights, please contact us at: creditlogic456@gmail.com
We will respond to all requests within 30 business days.
10. Data Security
We take reasonable technical and organisational measures to protect the personal information you share with us. These measures include:
- Using secure (HTTPS) connections on our website
- Limiting access to personal data to authorised persons only
- Not storing sensitive financial information on our servers
However, please note that no method of internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security of your information. By using CreditLogic.in, you acknowledge and accept this inherent risk.
11. External Links
CreditLogic.in contains links to third-party websites — including credit card issuers, financial institutions, and partner sites. These links are provided for your convenience and informational purposes.
We are not responsible for:
- The privacy practices of third-party websites
- The content or accuracy of information on external sites
- Any products or services offered by third-party websites
We strongly encourage you to read the Privacy Policy of every website you visit.
12. Financial Disclaimer
CreditLogic.in provides educational and informational content only. Nothing on this website constitutes professional financial, investment, or legal advice.
- We are not a registered financial advisor or investment advisor
- Credit card recommendations are based on publicly available information and personal research
- Financial decisions should be made based on your personal circumstances
- Always verify information directly with the relevant bank or financial institution before making any financial decision
- Past cashback rates and card benefits may change — always check current terms with the issuer
13. Compliance with Indian Law
This Privacy Policy is governed by and construed in accordance with the laws of India, including:
- The Information Technology Act, 2000 and its amendments
- The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
- Applicable Reserve Bank of India (RBI) guidelines
Any disputes arising from this Privacy Policy shall be subject to the exclusive jurisdiction of courts in India.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect:
- Changes in our website practices
- Changes in applicable laws and regulations
- New third-party services we adopt
When we update this policy:
- The "Last Updated" date at the top of this page will be revised
- Significant changes will be communicated through a notice on our homepage
- Continued use of CreditLogic.in after changes constitutes acceptance of the updated policy
We encourage you to review this Privacy Policy periodically to stay informed.
15. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
- Email: creditlogic456@gmail.com
- Website: www.creditlogic.in
- Country: India
We are committed to resolving any privacy concerns promptly and transparently.
16. Your Consent
By using CreditLogic.in, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you do not agree with any part of this policy, please discontinue use of our website.
© 2026 CreditLogic.in — Smart Choices. Smarter Savings.
This Privacy Policy was last reviewed and updated in June 2026.