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1. Information Collection and Use
We collect information from various sources that we use to provide our Services to you, to analyze and improve our Services, and to communicate with you (e.g., to send you updates or notices about our organization, or emails about products or services that we believe may be of interest to you). The information that we collect and the purpose for our collecting such information is as follows:Information that you provide to us:
We collect information that you provide to us when you set up an account with us, use our Services, or communicate with us. For example, if you register for an online account with us, then we may request your personal information (e.g., name, postal address, email address, DOB, telephone number, credit/debit card number, security code) or as applicable your business information, to complete the registration process, to process transactions, to send you information about our products, to send you promotional offers from third parties that we think may be of interest to you, or to otherwise provide our Services to you. Similarly, if you request information from us through an online contact form (or if you email us), we collect the information you provide (e.g., name, telephone number, email address) so that we can respond to you.Information collected from third parties:
We may collect information about you or your business from third parties in the course of providing our Services to you. For example, we may obtain information from our merchant customers or we may collect information from a school or university about consumer/students to provide services to those consumer/student. For some services, we may also collect information from third parties, such as credit reporting agencies or financial institutions, or other entities with information pertaining to the Services that we are providing to you. In any case where information is collected from a credit reporting agency, a separate authorization shall be obtained from you prior to our collection of that information.Information collected through technology:
When you visit our websites or mobile applications (or when you use any of our online services) we may collect certain information about your location, computer or device through technology such as cookies, web beacons,GPS or other tracking/recording tools. The information collected may include, but is not limited to, IP addresses, referring URLs, access times, location, browser types, device types, mobile device identifiers, or information about your interactions with our websites, applications or services. (Note that a “cookie” is a text file placed on a computer’s hard drive or stored on a mobile device; a “web beacon,” also known as an Internet tag, pixel tag or clear GIF, is used to transmit information back to a web server.) We may use the information described in this paragraph to, among other things, (i) operate our Services, including by remembering information so that you will not have to re-enter it during your visit or the next time you sign in to your account, (ii) identify and protect our customers, (iii) control unauthorized use or abuse of our Services, (iv) provide custom, personalized content and information, which could include advertising, (v) monitor aggregate traffic patterns on our websites and services, and (vi) analyze and improve our Services.
2. Sharing of Information
We do not sell or share your information with third parties outside CoCard International and our group of companies (which include any parents, subsidiaries and affiliates), without your consent, except as described below and in this Policy:
- We may share your information with our service providers and business partners (e.g., financial institutions or card brands that issue payment cards or are involved in transaction processing; entities that assist with fraud prevention or collections; merchants that sell gift cards managed through our websites or services; schools), who assist us in providing our Services. We may also share information with our service providers and business partners to help us monitor usage and other analytics regarding our Services, and to help us improve these offerings. When we share your information with our service providers and business partners, we only provide the information that these third parties reasonably need to perform their functions.
- We may aggregate, or strip information of personally identifying characteristics, and may share that aggregated or anonymized information with third parties.
3. Children’s Privacy
CoCard International’s websites, mobile applications and services are intended for use strictly by adults. CoCard International does not knowingly solicit or collect personal information from children under the age of 13. If CoCard International obtains knowledge that it has collected personal information from a child under 13 in retrievable form in its files, CoCard International will delete that information.
4. Your Choices Email Communications.
From time to time, we may send you emails regarding updates to our websites, mobile applications or products/services, notices about our organization, information about products/services we offer, or promotional offers from third parties that we think may be of interest to you. If you wish to unsubscribe from such emails, simply click the “unsubscribe link” provided at the bottom of the email communication. Note that you cannot unsubscribe from certain Services-related email communications (e.g., account verification, confirmations of transactions, technical or legal notices).Modifying Account Information.
If you have an online account with us, you may have the ability to modify certain information in your account (e.g., your contact information) through “profile,” “account,” “settings,” or “preferences” options provided on the website or service. If you have any questions about modifying or updating any information in your account, please contact us at the email address, postal address, or telephone number provided below.Cookie and Location Controls.
You may be able to set your Internet browser or mobile device to block cookies or other tracking/recording tools, including cookies associated with our websites or Services, or to indicate when a cookie is being set by us. However, it is important to remember that many of our websites or Services may not function properly if your cookies or location are disabled. We support the Do Not Track browser setting. Do Not Track (or DNT) is a preference you can set in your browser to let the websites that you visit know that you do not want them collecting certain information about you. For information and instructions about how to manage your cookies, refer to your Internet browser’s or mobile device’s technical information. Further information on how to adjust your cookie preferences through your browser is available at the external, third-party informational website www.allaboutcookies.org.
5. Data Protection and Storage
CoCard International maintains reasonable administrative, technical and physical safeguards to protect the confidentiality of information transmitted online, including but not limited to encryption, firewalls and SSL (Secure Sockets Layer). CoCard International has implemented policies and practices pursuant to various security rules and regulations relating to the security and safeguarding of payment cardholder data, including the Payment Card Industry Data Security Standards (PCI-DSS). CoCard International is not liable for loss of passwords due to user negligence. If you believe your password has been lost or compromised, we recommend that you immediately change your password.
6. Third-Party Websites and Services