Privacy Notice
Last update: March, 2022
Card Blanch, Inc. (“we”) welcomes you. We created this Privacy Notice (“Privacy Notice”) to ensure your right to information. It describes how your personal data is processed and informs you about who processes it for what purpose and how.
Privacy Notice applies to our mobile application (“App”), available in AppStore and Google Play Market available via the link:
________________ on Google Play Market;
________________ on AppStore.
Please, read our Terms of Service to ensure you understand the essential information about your legal rights and obligations related to your use of our App.
About us
[email protected] – for privacy issues
[email protected] — for any other issues
About you
When you use our App, you become our user (“User”):
Personal data
Sources of data
We receive data when you use our App. The amount of data collected depends on the settings and features you use.
We may also receive data from third parties. Read more below.
Legal basis for processing
To process your personal data, we rely on the following lawful basis:
- performance of the contract — for the processing of personal data necessary for the conclusion and performance of a contract;
- legal obligation — for the processing necessary to comply with the law;
- legitimate interest — for the processing necessary for the development of our services and reasonable for you;
- consent — for additional processing for specific purposes (read more below).
Customer data
When you download the App, we collect some data automatically. We need technical data to operate, support, and improve the App’s functionality.
- device type;
- device ID;
- phone model;
- device OS;
- OS version;
- session ID;
- APNs token.
Statistics;
Smooth operation of the App.
- phone number;
- email.
- first and last name;
- date of birth;
- type of ID and its number;
- photo of ID;
- your selfie;
- address (country, city, state, ZIP code, line 1 and 2).
- PIN code;
- PIN code;
- old PIN code;
- new PIN code;
- face ID;
- biometrics;
- touch ID.
- email.
- type of card;
- name.
- СardBlanch card status.
- phone number;
- phone number confirmation code;
- new PIN code (it is ciphered).
- KYC data.
- limits.
Please note! We do not store this data, we only process it to make it available for you.
- period of time for which statement is needed;
- transaction information on selected period;
- copy of the invoice;
- copy of the bank statement;
- first and last name;
- phone number;
- email;
- other data needed to resolve your issue.
- first and last name;
- phone number
- delivery address.
Please note! When setting up your credit limit, our specialists use your data.
- credit report on you.
Data that is shown in the App but which we do not store
We do not store or have any access to this data. It is processed on your device only.
- your Card Blanch card.
- phone number verification number;
- email verification number.
- card number;
- expiry date;
- CVC code;
- country of issue;
- ZIP code.
Data received from third parties
We may receive some personal data from third parties.
We use various tools to understand and promote our business. To get a detailed list of it, contact us.
We also may receive your credit information (credit report) from Consumer Reporting Agencies to generate a credit score.
The amount of data collected, the purposes, and the legal basis for processing is determined by the respective privacy documents of third parties.
Data sharing with third parties
We share your personal data with our contractors in the scope we need to provide services and technical or customer support.
General
We share your data on the following grounds:
1. Performance of a contract. We may transfer your data to our contractors and partners for contractual purposes.
2. Consent. We may transfer your personal data based on your explicit consent.
3. Compliance with the law. We may disclose your personal data to third parties to the extent that it is necessary:
- to comply with a government request, court order, or applicable law;
- to prevent unlawful use of our App or policies;
- to protect against claims of third parties;
- to help prevent or investigate fraud.
4. Transfer to third parties. We may transfer your personal data to third parties based on a data processing agreement, subject to applying technical and organizational measures to protect your personal data. We may share data with certain companies, consultants and contractors hired to provide certain services on our behalf.
Please note! We will ask for your consent if data transfer is not part of the contract.
Details
We may share some of your data with our partners and consumer reporting agencies.
For example, our partners help us to complete transactions or to conduct KYC.
We share the following amount of your personal data with Consumer Reporting Agencies to achieve your credit score: Social Security Number (SSN), first and last name, date of birth, age, address and phone number.
Consumer Reporting Agencies help us to generate your credit limits.
Data protection
We apply a variety of security measures appropriate to the risks.
Data subjects rights
United States residents
You, as data subjects have some special privacy rights. To use them, please contact us.
Please note! Depending on the state and legislative requirements, we have from 30 to 60 days to exercise your request, with the right to postpone it for 30 days more.
Your rights vary depending on the laws that apply to you, but may include:
- California;
- Virginia;
- Ohio;
- Colorado;
- Nevada;
- Massachusetts;
- Minnesota;
- New York;
- North Carolina;
- Pennsylvania;
- Delaware;
- Utah.
- California;
- Virginia;
- Colorado;
- Nevada;
- Delaware;
- Massachusetts;
- Minnesota;
- New York;
- North Carolina.
- California;
- Virginia;
- Ohio;
- Colorado;
- Nevada;
- Massachusetts;
- Minnesota;
- New York;
- North Carolina;
- Pennsylvania;
- Delaware;
- Utah.
- California;
- Massachusetts;
- New York.
- California;
- Virginia;
- Ohio;
- Colorado;
- Massachusetts;
- Utah;
- Minnesota;
- New York;
- North Carolina.
- California;
- Virginia;
- Ohio;
- Colorado;
- Nevada;
- Massachusetts;
- Minnesota;
- New York;
- North Carolina;
- Pennsylvania;
- Delaware;
- Utah.
- California;
- Massachusett;
- Virginia;
- Colorado;
- Minnesota;
- New York;
- North Carolina.
If your complaint was not satisfied, you can file a complaint with the Federal Trade Commission.
California residents have the right under the California Consumer Privacy Act (“CCPA”) to opt out of the “sale” of their personal information by a company governed by the CCPA.
Card Blanch, Inc. does not sell your personal information to anyone nor use your data as a business model.
However, we support the CCPA by allowing California residents to opt out of any future sale of their personal information. If you would like to record your preference that we will not sell your data in the future, please contact us at: [email protected].
Privacy Notice updating
The Privacy Notice and the relationships falling under its effect is regulated by US privacy laws.
Existing laws and requirements for processing personal data are subject to change. In this case, we will publish a new version of the Privacy Notice on our App.
If significant material changes are made to our App that may affect your privacy and confidentiality, we will notify you by displaying information on the main page of our App and ask for your consent if necessary.