Grievance Redressal

Appointed under the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the Digital Personal Data Protection Act, 2023:

• Name: Grievance Officer (to be appointed)
• E-mail: grievance@cardsparrow.com
• Phone: +91 98765 43210 (Mon–Fri, 10 am – 6 pm IST)
• Postal address: CardSparrow, Mumbai, Maharashtra, India

Please include your name, the mobile number or e-mail used on the site, the product or page concerned, what happened and what you would like us to do.

Complaints about CardSparrow's own conduct, for example: inaccurate or misleading product information, a lead forwarded without proper consent, unwanted calls or messages, requests to correct or delete your data, affiliate disclosure concerns, site security or accessibility, or the behaviour of our staff or partners acting on our behalf.

• Acknowledgement: within 24 hours of receipt, with a ticket number.
• Resolution: within 15 days; complex matters may take up to 30 days, in which case we will tell you why and keep you updated.
• Data-protection requests (access, correction, erasure, consent withdrawal): handled within the time allowed by the DPDP Rules.

If you are not satisfied with our response you may escalate to escalations@cardsparrow.com marked "Escalation"; a senior team member will review within 7 working days.

CardSparrow does not issue cards or loans and cannot approve, reverse fees, change limits or alter a Lender's decision. For those matters:

1. Complain to the Lender's own grievance officer (listed on its website and in your MITC/KFS). Lenders must respond within 30 days.
2. If you get no reply within 30 days, or are unsatisfied, file a complaint with the RBI Integrated Ombudsman free of charge at cms.rbi.org.in, by e-mail to crpc@rbi.org.in, or by calling 14448 (9:30 am to 5:15 pm on working days).
3. For unauthorised digital transactions, report to your bank immediately to limit your liability under RBI's customer-protection circular, and to the National Cyber Crime helpline 1930 / cybercrime.gov.in.

We are happy to help you find the right contact at the Lender; write to hello@cardsparrow.com.

If you believe we have not handled a personal-data grievance properly, you may complain to the Data Protection Board of India after exhausting our grievance process, as provided in the DPDP Act, 2023.

Nothing on this page limits your right to approach a Consumer Commission under the Consumer Protection Act, 2019, or any other forum available to you under law.