Privacy Policy

Cardify Technology Limited (herein referred to as “BDL”, “cardify”, “us”, “we” or “our”) operates this website (“the Service”). ‍
We strive to maintain the highest standards of integrity in all our operations and are dedicated to protecting our customers’ and online visitors’ privacy on our service. This page informs you of our policies regarding collecting, using, and disclosing personal data when you use our Service and the choices you have associated with that data.
We use your data to provide and improve the Service. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as our terms of use. We are committed to protecting your Personal Data while You use this Application.
We recognise that your privacy is important. This document outlines the types of personal information we receive and collect when you use the service and some of the steps we take to safeguard information. We hope this will help you make an informed decision about sharing personal information with us.

Cardify Digital Limited (herein referred to as “BDL”, “cardify”, “us”, “we” or “our”) operates this website (“the Service”). We strive to maintain the highest standards of integrity in all our operations. Likewise, we are dedicated to protecting our customers’ and online visitors’ privacy on our service. ‍
This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms of Use, accessible from here. ‍
We recognize that your privacy is important. This document outlines the types of personal information we receive and collect when you use the service, as well as some of the steps we take to safeguard information. We hope this will help you make an informed decision about sharing personal information with us.

We collect different types of information from the visitors to our website voluntarily. The collection of the information is to provide and improve our service to you, and such information includes but is not limited to: Personal identification information such as your full name, date of birth, nationality, cellphone or mobile number, email address, place of residence (and/or proof of residence), employment status, the industry of employment and/or national identification number ;
Information for purposes of biometric identification, such as the selfie you provide to us when creating your cardify account. National identity documentation such as a copy of your national identity card, drivers’ license or passport and/or any other information deemed necessary to comply with our legal obligations under financial or anti-money laundering laws;
Transaction information such as your transaction data on your cardify account and information on the recipient of any transaction(s); Correspondence such as information provided to us when engaging with our customer support and/or responses to surveys; Usage, device and location information such as cookies, geolocation information, browser name and version information, IP address information, device fingerprint data, authentication data and/or clickstream data. This information is collected as follows;
When you provide it to us, such as when you sign up for a cardify account, use our products and services, or take part in customer surveys, competitions and promotions; When you communicate with us by email, chat, telephone or any other means, we collect the communication and any personal data provided in it; When you use the cardify platform, we collect information on your transactions and usage of your cardify account;
When we obtain information from third parties such as identity verification services, credit reference agencies, regulatory and enforcement agencies and public sources. The information collected is internally reviewed, used to improve the content of our website, notify our visitors of updates, and respond to visitor inquiries. Once information is reviewed, it is discarded or stored in our files. If we make material changes in collecting personally identifiable information, we will inform you by placing a notice on our site. Personal information received from any visitor will be used only for internal purposes and will not be sold or provided to third parties.

We will only process your personal data to carry out our lawful business activities. In doing so, we rely on one or more of the following lawful grounds for processing your personal data: ‍
Contractual necessity: We may process your personal data where it is necessary for us to provide our products and services to you or to otherwise comply with our obligations under cardify’s Terms of use. ‍
Consent: In some cases, we will only process your personal data where you provide us with your express consent for such processing. ‍
Legal obligation: In some cases, we may need to process your personal data to comply with an obligation imposed by law. ‍
Legitimate interest: In some cases, we may need to process your personal data where it is in our legitimate legal interests to do so. ‍
More specifically, we may process your personal data for one or more of the following purposes.

Your information, including Personal Data, may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction. ‍
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. BDL will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. Any personal information you provide to us, including and similar to your name, address, telephone number and e-mail address, will not be released, sold, or rented to any entities or individuals except as noted below.

We take the security of the Personal Data we collect very seriously. We take reasonable measures to reduce the risk of accidental destruction, loss or unauthorised access to such information. However, please note that no system involving the transmission of information via electronic storage systems or the internet is entirely secure.

We may share your personal data with: Any person that works for cardify; Financial and other institutions we partner with to provide our products and services; Companies and organisations that provide third-party services to us, including technical infrastructure, marketing and analytics, and web and app development; Companies and organisations that assist us with identity verification, background screening and due diligence. Our professional advisers, consultants and other similar services. We will otherwise treat your personal data as private and confidential and will not share it with other parties except: Where you have permitted us to do so;
Where we believe it is reasonably necessary to comply with any law, regulation, legal process or governmental request, to enforce our Terms of use or other agreements, or to protect the rights, property, or safety of us, our customers or others;
Where we may transfer rights and obligations according to our agreement with you. Service providers We may employ third-party companies and individuals to facilitate our Service ("Service Providers"), provide service on our behalf, perform Service-related services, or assist us in analysing how our Service is used. ‍
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Our Service may contain links to other sites not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. ‍

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Our Service does not address anyone under 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under 18. If you are a parent or guardian and know that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we remove that information from our servers.

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will notify you via email and/or by a notice on our Service before the change becomes effective and update the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when posted on this page.

The security of your data is important to us. But remember that no method of transmission over the internet or method of electronic storage is 100% secure. While we do our best to protect your personal information, we cannot guarantee the security of any information that you transmit to us. You are solely responsible for maintaining the secrecy of any passwords or other account information. By using the Service, you agree to the collection and use of information in accordance with this policy.