Cancellation and Refund Policy & Privacy Policy

Cancellation and Refund Policy

This Policy applies to CmyVcard ( and other related Site/s or App/s, mobile applications and other online features each a “Site/s or App/s”. We have provided extensive information for you to view the packages before choosing to subscribe to us. If you have any questions or reservations, please contact us at prior to subscribing to our services.

We, being the service providers for contents available through SITE or APP, where you are expected to view packages of your choice after being paid for subscription; unfortunately, all fees to CmyVCard for such services are non-refundable.

In case, because of any technical glitch at the time of online transaction, the transaction does not occur, the amount in process of transfer by default goes back into your bank account, automatically through Payment Gateway.

Privacy Policy

This Privacy Policy ("Policy") describes the manner in which ("CmyVcard" or "We / Us / Our") treat personal information that you may provide to us, while using our services. We respect your privacy.

Information with US

We offer a number of search related services. We will have access to certain information about you on account of your use of the services. We may also have access to certain other information including personal information about you. The Policy sets forth the manner in which we will deal with all such information. Both categories of information are referred to as "Information").

Information you provide

We ask you to provide information to us in order to provide certain services. Such information may include personal information such as your name, e-mail address, phone number, home address, services / products that you require etc. You are at liberty to decide whether you want to provide such information to us. If you choose not to provide all or portion of such information, we may not be able to provide some or all of the services that you require. We also record voice calls and store the same for internal purposes including quality control, improving our services etc.

Use of Information

We will use the Information in order to provide services to you. In the course of performing the services, we may need to provide some or all of Information to third parties. You agree that you have no objection to such disclosure. At your request, we may also provide your phone number, email id and address to vendors and service providers in order that may be get in touch with you. We may use Information for various internal purposes including for (a) improving our services, (b) creating new offerings, (c) protecting Our rights, (d) protecting third party rights including other users of services. We may aggregate non-personal information about the users of Our services / persons who visit Our websites and share the same with any third parties on such terms as may be deemed appropriate. For instance, we may share information about the number of users who asked for information about a particular service or information about the number of users who purchased certain categories of products or information in a particular area etc.

Other Uses

We may send cookies to you from our websites. These cookies generally improve the quality of our services to you. We / Our service provider servers record information that your browser sends when you visit our websites. Please remember that your browsers are set up to provide information to Us / Our service providers. You can disable such features. If you do disable such features, please remember that some of the services may not be effective. Reviews that you may post on our websites and communications that you may make to us will be retained by us and generally used for the purpose of improving our services.

Disclosure of Information

We share information that you provide including personal information and other information that is available with us under the following circumstances: We believe in good faith that sharing information is necessary (a) to satisfy applicable law, rules or regulations, (b) to comply with any judicial or regulatory request or order, (c) detect or prevent any fraud or violation of an obligations that are owed by you, (d) protect ourselves and other third parties including our users from any loss or damage or to prevent any damage to any property. You have consented to sharing information. Sharing information is necessary in order to provide the services. We outsource the performance of various functions to third parties, which may include technology related services, hosting servers etc. Our vendors and service providers may have access to Information. Please note that some of such servers may be located outside the country you are in. You confirm and agree that you have no objection to the same.


The Policy applies only in respect of information provided to Us / your access to Our websites. It does not apply to any websites that you may access from the links provided on our websites.

Third Parties

We may, as discussed above, provide Information to third parties. While the third parties are bound by appropriate confidentiality obligations, we cannot guarantee that they will not misuse the Information and we will not be liable for any such misuse by them.


We take reasonable measures to ensure that there is no unauthorized access to servers where Information is stored. Please remember that we cannot guarantee that no breach of security will occur.


We encourage you to write to us about any privacy concerns. You may have including concerns about the Policy. You may write (a) to or email at (b) : Apple Infotech (Includes its Affiliates and subsidiaries), Registered Address: Apple Infotechm, 44/865, Balakrishna Arcade, Ratna Lane, South Janatha Road, Palarivattom P O, Cochin 682025, Kerala, India. You can send us the email at:

Changes to this Privacy Policy

The Policy may change from time to time. The Policy as amended will be posted on and upon such posting will be binding on you. If the changes are not acceptable to you, please write to us at the address provided above and we will delete all Information from our systems.


If CmyVcard is merged with any other entity or cmyvcard's business is acquired by any other entity, the buyer / merged entity will be contractually bound by the Policy and any changes they may make will be subject to the terms of the Policy.

User's Reponsibility for its Information

The user acknowledges that they shall be solely responsible and liable for the authenticity and genuineness of their information, they provide to Cmyvcard while using the Cmyvcard service/s. The User confirms that it will provide the correct information about itself. In the event the user provides any wrong or incomplete information, then the user alone shall be liable and responsible for the same.. Further, user also acknowledges that the information provided by the user is voluntarily.

Updation of User Information

The User acknowledges and accepts that, the user will regularly and from time to time update its (user) information.

Legal Age of the User

It is presumed that the user, using the Cmyvcard service is of Legal Age. In the event the user is not of a Legal age, then any issues or problems arising out of using Cmyvcard Service/s, which requires a user to be of Legal age, then Cmyvcard shall not be responsible for any such issues or problems. The aforementioned Privacy Policy ("Policy" is for the UAE based User of Cmyvcard) describes the manner in which Apple Infotech ((Includes its Affiliates and subsidiaries), a firm registered in India, and having its principal place of business at Apple Infotech, 44/865, Balakrishna Arcade, Ratna Lane, South Janatha Road, Palarivattom P O, Cochin 682025, Kerala, India, treats the personal information that you may provide to us, while using our services.