In order to be able to make Bycard.com’s services available to you in compliance with the obligations imposed by applicable law and by regulatory authorities, Bycard.com must ask you for certain information about yourself. Bycard.com will utilize the data provided by you in accordance with applicable data protection laws. The information obtained shall, as a matter of principle, be used by Bycard.com solely for providing the services available on Bycard.com and solely to the extent necessary to render such services. The information about you which we store shall, as a matter of principle, not be made accessible to third parties unless we are obligated to do so by law or in order to properly render our services to you.

You may provide us information about you by filling in forms on our website (for example, website account registration), or by corresponding with us (for example, by e-mail or telephone). The information you provide may include information about additional persons. This includes information that is provided to us about you:
(1) upon registration for a Bycard.com account;
(2) when you log in to your Bycard.com account;
(3) when entering a competition, promotion or survey; and
(4) when a problem is reported or a request for support is received.
If you refuse to provide the information, it may prevent you from being able to use the services available on Bycard.com.

We collect the personal information you provide directly to us when you apply for a Bycard.com account. This may include:
1. Your contact information (e.g., name, email address, phone number, billing or mailing address)
2. Bank and credit account information
3. IP address
4. Identity validation (e.g., photograph, other information requested to verify your information, including copy of valid ID document)
5. Publicly available and/or criminal history
6. National identification numbers
7. Nationality
8. Date and place of birth
9. Details of any transactions carried out using any of our services
10. Any other information that you choose to provide to us (e.g., if you send us an email/otherwise contact us)
11. Calls/emails/other correspondence
12. Information collected through Cookies and other tracking technologies as listed above and as described in the section below entitled “Cookies”
You are responsible for providing accurate and up-to-date information.
If you are required to provide information about shareholders or beneficial owners of your business, you acknowledge that you have that person’s consent to provide his/her information to us. This may include:
1. Contact information, such as name, home address, and email address.
2. Account information, such as username and credential.
3. Financial information, such as bank account numbers, bank statement, and trading information.
4. Identity verification information, such as images of that person’s government issued ID, passport, national ID card, or driving license. Note: US residents may be asked to provide their social security numbers.
5. Residence verification information, such as utility bill details or similar information.
To the extent that we are acting as your data processor, we will process personal information in accordance with the terms of our agreement with you and your lawful instructions.

We will only use the personal information you provide to:
1. Set up the Bycard.com account for you.
2. Perform the required controls and checks in accordance with money laundering/terrorist financing and know your customer requirements under applicable law, and internal control policies, as well as address other law enforcement needs.
3. Analyse Bycard.com website usage, and improve our website and website offerings.
4. Help us respond to your customer service requests and support needs.
5. Contact you about your use of Bycard.com. The email address you provide may be used to communicate information and updates related to your use of our website. We may also occasionally communicate company news, updates, promotions, and related information relating to similar products and services provided by us or our affiliates.
6. Administer a contest, promotion, survey or other site features available on the website.

Your personal information held by Bycard.com will be kept confidential but Bycard.com may provide and disclose such personal information to the following parties for the purposes set out in Section IV “How we use your data”:
1.any agent, contractor or third-party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to Bycard.com in connection with the operation of its business, wherever situated;
2.any affiliated company within our corporate family which has undertaken to keep such information confidential;
3.the drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;
4.any person making payment into your account;
5.any person receiving payment from you, the banker of such person and any intermediaries which may handle or process such payment;
6.credit reference agencies, and, in the event of default, to debt collection agencies;
7.any financial institutions, charge or credit card issuing companies, insurance company, securities and investment company with which you have or propose to have dealings; and any reinsurance and claims investigation companies, insurance industry associations and federations and their members;
8.any person to whom Bycard.com is under an obligation or otherwise required to make disclosure under the requirements of any law binding on or applying to Bycard.com, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which Bycard.com are expected to comply, or any disclosure pursuant to any contractual or other commitment of Bycard.com with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers;
9.any actual or proposed assignee of Bycard.com or participant or sub-participant or transferee of Bycard.com’s rights in respect of the data subject;
10. third party reward, loyalty, co-branding and privileges program providers; and
11. charitable or non-profit making organizations.

Our services are global and data may be stored and processed in any country where we have operations or where we engage service providers. Data we collect may be transferred to and/or stored at a destination outside your country of residence, which may have data protection rules that are different from those of your country, including transferring data to and from regulatory authorities, or to staff operating outside the country who process data on our behalf or for one of our suppliers. Staff may be engaged in the fulfillment of your request and the provision of support services. However, we will take measures to ensure that any such transfers comply with applicable data protection laws and that your data remains protected to the standards described in this Privacy Policy. By submitting the data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that the data is treated securely and in accordance with this Privacy Policy and the relevant data protection laws.
Where Bycard.com processes your personal information as allowed by law or with your consent, Bycard.com will retain your personal information for the period necessary to fulfil the purposes mentioned in this Privacy Policy, and to exercise our legal rights and to comply with our legal or regulatory obligations. When Bycard.com no longer has a valid purpose to use your personal information, Bycard.com will remove it from our records.

We take all organizational and technical measures appropriate to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
All data that you provide to us is stored on our secure servers. You are responsible for keeping your account credentials safe and secure and not sharing them with anyone. The transmission of information via the internet is not completely secure. Although no one can guarantee the security of data transmitted via the internet, we do our best to protect the data transmitted via your Bycard.com account. We use industry standard security techniques to help keep the data safe including encryption when the data is in transit and at rest. Bycard.com may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of those websites, please note that those websites have their own privacy policies and that we do not accept any responsibility or liability for those policies. Please check those policies before you submit any personal information to those third parties.

Under and in accordance with the terms of the Ordinance, you have the right:
1.to check whether we hold personal information about you and of access to such personal information;
2.to require us to correct any personal information relating to you which is inaccurate;
3.to object to direct marketing; and
4.to ascertain Bycard.com’s policies and practices in relation to data and to be informed of the kind of personal data held by Bycard.com.
In accordance with the terms of the Ordinance, Bycard.com has the right to charge a reasonable fee for the processing of any data access request.

To make this website work properly, we, similar to many other major websites, sometimes use small data files called cookies or other tracking technology to track information about your use of our website and services. We may use third party service providers to collect this information on our behalf.
A. What are cookies?
A cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, language, font size and other display preferences) over a period of time, so you don’t have to keep re-entering them whenever you come back to the site or browse from one page to another.
B. How we use cookies and tracking mechanisms
Bycard.com uses the following cookies/tracking mechanisms.
• Session cookies. Session cookies are temporary cookies that remain in the cookie file of your browser until you leave the site. We use session cookies to allow you to carry information across pages of our site and avoid having to re-submit the same information. The cookies will be deleted after your web browser has been closed.
• Persistent cookies. Persistent cookies remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of the specific cookie). We use persistent cookies: ¡ To help us recognize you as a unique visitor when you return to our website and to monitor your use of our website;
¡ To allow us to link you to any of our business partners or affiliates should you come to our website through a paid advert or banner on a website of an affiliate or business partner. The cookies will be deleted based on their own expiration period after your web browser has been closed.
• Web beacons. Some of our web pages may contain web beacons which allow us to count users who have visited these pages. Web beacons collect only limited information including a cookie number, time and date of a page view, and a description of the page on which the web beacon resides. These beacons do not carry any personally identifiable information and are used to track the effectiveness of a particular marketing campaign.
C. How to control cookies
You can control and/or delete cookies as you wish – for details, see aboutcookies.org. You can delete all cookies that are already on your computer and you can set most browsers to prevent them from being placed. If you do this, however, you may have to manually adjust some preferences every time you visit a site and some services and functionalities may not work.

Please understand that we may revise this Privacy Policy at times as we consider appropriate. We will note the date of the latest update of this Privacy Policy and the update will take effect when it is published. Without your explicit consent, we will not reduce your rights under this Privacy Policy. We will prominently post major changes made (for example, for changes concerning certain services, we will inform you via email of the specific changes in the Privacy Policy). Therefore, you should review this Privacy Policy periodically to keep up with our most current policies.