Privacy Policy

November 11, 2016

At CardHQ (“CardHQ”, “we”, “us”, “our”) we respect your privacy rights. We have created this privacy policy (“Privacy Policy”) to explain how we treat the information collected and received from your use of our Website and Mobile Apps, “http://www.CardHQ.co” (each, a “Website and Mobile Apps” and collectively, the “Website and Mobile Appss”). This Privacy Policy applies only to the Website and Mobile Apps, and we are not responsible for the practices of persons, companies, institutions or Website and Mobile Appss that CardHQ does not control, manage, or employ. Except as set forth in this Privacy Policy and our Terms of Use Agreement (“Terms of Use”) and other published guidelines, we do not release personal information about our users without their permission.

What Information this Privacy Policy Covers
Some of our Website and Mobile Apps’ functionality can be used without revealing any personal information, though for features or services, personal information is required. If you do not use these specific features or services on the Website and Mobile Apps, then the only information we collect will be “Non-Personal Information” (i.e., information that cannot be used to identify you). Non-Personal Information includes information such as the web pages that you have viewed. In order to access certain features and benefits on our Website and Mobile Apps, you may need to submit “Personally Identifiable Information” (i.e., information that can be used to identify you). Personally Identifiable Information can include information such as your name and email address, among other things. You are responsible for ensuring the accuracy of the Personally Identifiable Information you submit to CardHQ. Inaccurate information may affect your ability to use the Website and Mobile Apps, the information you receive when using the Website and Mobile Apps, and our ability to contact you. For example, your email address should be kept current because that is one of the primary manners in which we communicate with you.

What You Consent to by Using Our Website and Mobile Apps and Mobile Apps
Please understand that by submitting any Personally Identifiable Information to us, you consent and agree that we may collect, use, disclose and retain such Personally Identifiable Information in accordance with this Privacy Policy and our Terms of Use, and as permitted or required by law. If you do not agree with these terms, then please do not provide any Personally Identifiable Information to us. If you refuse or withdraw your consent, or if you choose not to provide us with any required Personally Identifiable Information, we may not be able to provide you with the services that can be offered on our Website and Mobile Apps.

What Information We Collect
We gather two types of information about users through the Website and Mobile Apps:

NON-PERSONAL INFORMATION
When users come to our Website and Mobile Apps, we may track, collect and aggregate Non-Personal Information indicating, among other things, which pages of our Website and Mobile Apps were visited, the order in which they were visited, when they were visited, and which hyperlinks were “clicked.” We also collect information from the URLs from which you linked to our Website and Mobile Apps. Collecting such information may involve logging the IP address, operating system and browser software used by each user of the Website and Mobile Apps. Although such information is not Personally Identifiable Information, we may be able to determine from an IP address a user’s Internet Service Provider and the geographic location of his or her point of connectivity. We also use or may use cookies and/or web beacons to help us determine and identify repeat visitors, the type of content and sites to which a user of our Website and Mobile Apps links, the length of time each user spends at any particular area of our Website and Mobile Apps, and the specific functionalities that users choose to use. Essentially, cookies are a user’s identification card for the CardHQ servers. Web beacons are small graphic files linked to our servers that allow us to track your use of our Website and Mobile Apps and related functionalities. Cookies and web beacons allow CardHQ to serve you better and more efficiently, and to personalize your experience at our Website and Mobile Apps. Cookies and web beacons are not used to retain Personally Identifiable Information. From time to time we may also use additional typical methods of collecting data. You should be able to control how and whether cookies will be accepted by your web browser. Most browsers offer instructions on how to reset the browser to reject cookies in the “Help” section of the toolbar. If you reject our cookies, many functions and conveniences of this Website and Mobile Apps may not work properly.

PERSONALLY IDENTIFIABLE INFORMATION
We collect Personally Identifiable Information that you provide to us when you sign-up for our mobile apps, participate in our public forums, send us email messages, and/or receive other services on or through our Website and Mobile Apps. Among other things, we may use the Personally Identifiable Information that you provide to respond to your questions, provide you the specific services you select, send you updates offered by CardHQ or other CardHQ events, and send you email messages about Website and Mobile Apps maintenance or updates, among other things.

UPDATES
CardHQ may offer you the ability to receive updates either via email or by posting on portions of the Website and Mobile Apps only accessible to registered users. In order to subscribe to these services, you may be required to provide us with Personally Identifiable Information such as your name and email address.

COMMUNICATIONS WITH CardHQ
We may receive Personally Identifiable Information when you send us an email message or otherwise contact us through other means of communication.

PROVIDING SERVICES TO YOU
When you use certain services that are available on or through the Website and Mobile Appss, you may be required to provide us with Personally Identifiable Information. For example, CardHQ may make available to you chat room services that allow you to communicate with CardHQ staff members. When you use such services, you may send us Personally Identifiable Information.

PURCHASES
When purchasing products or services through the Website and Mobile Apps, you may be required to provide us with Personally Identifiable Information, such as your name, address, billing information (i.e., credit card information and billing address) (“Billing Information”), email address and birth date.

 

Third Party Tracking
Third parties, including linked sites and applications (e.g., Facebook and YouTube), customer support services and data analytics services, may collect information about you in connection with your use of the Website and Mobile Apps (e.g., usage information). Such third parties may use tracking technologies in connection with the Website and Mobile Apps, which may include the collection of information about your online activities over time and across third-party websites or online services. In some cases, third party tracking tools may only collect Non-Personal Information about your use on the Website and Mobile Apps. However, in other cases, such third parties may collect Personally Identifiable Information about you as they engage in these activities (e.g., customer support services may obtain your name and email address in conjunction with their support activities). Currently, we do not monitor or take any action with respect to Web browser signals or other mechanisms for the expression of choice regarding collection of information about an individual over time and across third-party websites or online services (e.g., Web browser “do not track” signals).

External Links
For your convenience, we may provide links to Website and Mobile Apps operated by companies other than CardHQ (“Third Party Sites”) that we believe may be of interest to you. We do not disclose your Personally Identifiable Information to these Third Party Sites without obtaining your consent. We do not endorse and are not responsible for the privacy practices of these Third Party Sites. If you choose to click on a link to one of these Third Party Sites, you should review the privacy policy posted on the other Website and Mobile Apps to understand how that Third Party Site collects and uses your Personally Identifiable Information.

Confidentiality, Security and Retention of Personally Identifiable Information
We consider the confidentiality and security of your information to be of the utmost importance. We will use commercially reasonable efforts to keep your Personally Identifiable Information private and will not share it with third parties, except as otherwise provided in this Privacy Policy, or unless we have good faith belief that such disclosure is necessary in special cases, such as a physical threat to you or others. CardHQ takes reasonable measures to protect your Personally Identifiable Information from disclosure to or access by third parties. Please note that we do not guarantee the security of Personally Identifiable Information, and there is some risk that an unauthorized third party may find a way to circumvent our security systems or that transmission of your information over the Internet will be intercepted. Also note that we may retain and store your information in our databases and systems even after your CardHQ account is deactivated.

Updating or Deleting Your Personally Identifiable Information
We maintain a procedure in order to help you confirm that your Personally Identifiable Information remains correct and up-to-date or choose whether or not you wish to receive material from us or some of our partners. You may unsubscribe from certain email communications by emailling us. You may also update your Personally Identifiable Information by logging into the Website and Mobile Apps and visiting your user account page. Keep in mind, however, that even after updates to your Personally Identifiable Information, we may maintain and store older versions of such information within our databases, access logs and other records. If you have any privacy-related questions or unresolved problems, you may contact us using the information provided below.

Changing Our Privacy Policy
Please note that we review our privacy practices from time to time, and that these practices are subject to change. Any change, update, or modification will be effective immediately upon posting on our Website and Mobile Apps. We will take reasonable steps to notify you of any material changes or modifications to this Privacy Policy. We will also change the effective date of this Privacy Policy (located at the bottom of this page). Be sure to return to this page periodically to ensure familiarity with the most current version of this Privacy Policy.

Protecting Children’s Privacy
CardHQ strongly believes in protecting the privacy of children. In line with this belief, we do not knowingly collect or maintain Personally Identifiable Information on our Website and Mobile Apps from persons under 13 years of age, and no part of our Website and Mobile Apps is directed to persons under 13 years of age. If you are under 13 years of age, then please do not use or access this Website and Mobile Apps at any time or in any manner. We will take appropriate steps to delete any Personally Identifiable Information of persons less than 13 years of age that has been collected on our Website and Mobile Apps without verified parental consent upon learning of the existence of such Personally Identifiable Information.

Contacting CardHQ
If you have any questions, comments or complaints about this Privacy Policy or our Website and Mobile Apps, please contact us at info@cardhq.co

Our Privacy Policy was last updated Sept 22, 2017