Privacy Policy

Upgrade.Lifestyle is the operator of this website and the services made available through it.

References to “Upgrade.Lifestyle,” “we,” “us,” or “our” in this Privacy Policy refer to the operator of Upgrade.Lifestyle.

This Privacy Policy applies to personal information processed through Upgrade.Lifestyle, including information collected through:

• Our website and product-discovery pages
• Credit-card and other product questionnaires
• Product-matching and comparison tools
• Waitlist and notification forms
• Cookies, analytics, advertising, and similar technologies
• Communications and support requests

This policy does not govern websites, applications, products, or services operated by banks, lenders, insurers, advertisers, affiliates, or other third parties.

Information you provide

Depending on the service you use, we may collect information such as:

• Name
• Email address
• Phone number
• Age or age range
• Residential PIN code or general location
• Employment type
• Monthly or annual income information
• Stated credit-score status
• Existing credit-card status
• Product preferences and intended usage
• Availability of KYC, tax, income, or identity-related documents
• Questionnaire responses
• Products or services for which you join a waitlist

Information collected automatically

When you use the website, we and our service providers may automatically collect:

• IP address
• Browser and device information
• Operating system
• Referring and exit pages
• Pages viewed and features used
• Date, time, and approximate location
• Cookie and advertising identifiers
• Performance, diagnostic, and security information

Information from third parties

We may receive information from analytics, hosting, advertising, fraud-prevention, referral, affiliate, or technology providers where permitted by law.

We may use personal information to:

• Provide and operate Upgrade.Lifestyle
• Process questionnaire responses
• Generate product matches, suitability indicators, and comparison results
• Personalize content and recommendations
• Save qualification sessions and user preferences
• Manage waitlists and future product notifications
• Maintain and improve our catalogue, matching logic, and website experience
• Measure traffic, engagement, performance, and advertising effectiveness
• Detect fraud, abuse, security threats, and technical errors
• Enforce our Terms and Conditions
• Comply with legal and regulatory obligations
• Establish, exercise, or defend legal claims

Where applicable law requires a legal basis, we may process personal information based on:

• Your consent
• Performance of a service you requested
• Our legitimate interests in operating, securing, improving, and measuring the website
• Compliance with legal obligations
• Protection of users, the public, our services, and our legal rights

Where processing is based on consent, you may withdraw that consent, subject to applicable law and any processing already lawfully completed.

Upgrade.Lifestyle may use automated rules, scoring systems, algorithms, or artificial intelligence to interpret questionnaire responses and compare them with product information stored in our catalogue.

These processes may generate match scores, eligibility indicators, rankings, or recommendations. They are intended only to assist with product discovery and comparison.

Upgrade.Lifestyle does not issue financial products, make lending or underwriting decisions, determine credit limits, or guarantee product approval. Final decisions are made by the relevant third-party provider.

We and our technology, analytics, and advertising providers may use cookies, pixels, local storage, tags, and similar technologies.

These technologies may be used to:

• Keep the website functioning
• Remember settings and preferences
• Measure website usage and performance
• Prevent fraud and improve security
• Deliver, personalize, and measure advertising where permitted
• Understand referrals and affiliate activity

Where required, non-essential cookies will be used only after the user has made an applicable consent choice. You may also manage cookies through your browser or available consent controls.

Upgrade.Lifestyle may display advertising provided by third-party advertising services, including contextual or personalized advertising where permitted.

Advertising providers may process device, browser, cookie, usage, approximate-location, and advertising-identifier information to select, deliver, limit, and measure ads.

Upgrade.Lifestyle may also receive advertising, referral, affiliate, lead-generation, or other compensation in connection with certain products or links.

We may disclose personal information to:

• Hosting, database, cloud, security, and infrastructure providers
• Analytics and performance-measurement providers
• Advertising and consent-management providers
• Communication and notification providers
• Fraud-prevention and security providers
• Professional advisers, auditors, or legal representatives
• Government authorities or other parties where required by law
• A buyer, successor, or relevant party involved in a merger, acquisition, restructuring, financing, or sale of assets

We do not authorize service providers to use personal information for purposes unrelated to the services they provide to us, except where independently permitted by law.

Upgrade.Lifestyle may link or redirect users to websites operated by banks, lenders, insurers, merchants, advertisers, affiliates, and other third parties.

When you leave Upgrade.Lifestyle, the third party’s privacy policy, terms, security practices, and data-processing activities apply. We encourage you to review those documents before submitting personal information or completing an application.

Our service providers may process personal information in countries other than the country in which you reside.

Where required, we will use legally recognized safeguards for international transfers, such as contractual protections, adequacy mechanisms, consent, or another lawful transfer basis.

We retain personal information only for as long as reasonably necessary for the purposes described in this policy, including:

• Providing requested services
• Maintaining product-matching sessions
• Managing waitlists
• Meeting legal, accounting, security, and regulatory obligations
• Resolving disputes and enforcing agreements

Retention periods may differ according to the type of information, the purpose of processing, legal requirements, security considerations, and whether an ongoing relationship exists.

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

No website, database, transmission method, or storage system can be guaranteed to be completely secure. Users should avoid sending information that has not been requested by the website.

Depending on where you live and the law that applies, you may have rights to:

• Know whether we process your personal information
• Access or obtain a copy of your personal information
• Correct inaccurate or incomplete information
• Request deletion of personal information
• Restrict or object to certain processing
• Withdraw consent
• Receive portable information where applicable
• Opt out of certain targeted advertising, sale, or sharing activities where applicable
• Request information about automated processing where applicable
• Appeal certain decisions concerning a privacy request
• Complain to an appropriate privacy or data-protection authority

These rights may be subject to legal exceptions, identity verification, and jurisdiction-specific requirements.

A dedicated privacy-request method will be published on Upgrade.Lifestyle as the service develops.

Where India’s data-protection laws apply, individuals may have rights and remedies available to Data Principals, including rights relating to access, correction, completion, updating, erasure, grievance redressal, and nomination, subject to applicable law and implementation requirements.

Upgrade.Lifestyle will process digital personal data for lawful purposes and will provide notices or consent choices where required.

Where the GDPR or UK GDPR applies, you may have rights of access, correction, erasure, restriction, objection, portability, withdrawal of consent, and complaint to a competent supervisory authority.

You may also have rights relating to decisions based solely on automated processing where such processing produces legal or similarly significant effects. Upgrade.Lifestyle’s comparison results are not decisions by a bank, lender, insurer, or other product provider.

Where the California Consumer Privacy Act applies, California residents may have rights to know, access, correct, and delete personal information, and to opt out of certain sales, sharing, or targeted advertising activities.

California residents may also have the right not to receive discriminatory treatment for exercising applicable privacy rights.

Upgrade.Lifestyle does not knowingly sell personal information for money. Certain advertising or analytics activities may be treated as “sharing” or another regulated disclosure under applicable privacy laws. Relevant opt-out controls will be provided where legally required.

Upgrade.Lifestyle is not intended for children, and we do not knowingly collect personal information from children below the minimum age permitted by applicable law.

Financial-product discovery tools are intended for users legally capable of considering or applying for the relevant products.

We may update this Privacy Policy to reflect changes to our services, technology, providers, data practices, or legal obligations.

The updated version will be published on this page with a revised “Last updated” date. Material changes may also be communicated through additional notices where required.

Upgrade.Lifestyle is the operator responsible for this Privacy Policy.

A dedicated privacy contact and privacy-request channel will be published before the website begins processing personal information at substantial scale.