1. Overview
CardNera ("we," "our," or "us") values your privacy and takes steps to protect your personal data. This Privacy Statement explains how we gather, utilize, share, and secure your information when you use our services. By accessing or using CardNera, you acknowledge and agree to the terms outlined here.
2. What Information We Gather
We may collect the following categories of Personal Data:
Account-related details (such as full name, email address, and username).
Content you create (including profile information and personal preferences).
Technical information: IP address, device identifiers, and usage data (collected via cookies and similar tools).
3. How Your Information Is Used
Your data is used for the following purposes:
To deliver and enhance our services (including app functionality and customer assistance).
To process transactions and verify user accounts.
To customize content (like personalized recommendations and service alerts).
To comply with legal requirements or respond to valid legal requests.
4. When We Share Information
Your data may be shared with the following parties:
Service Providers: Third-party entities that assist with payment handling, data analysis, or cloud storage services.
Legal Authorities: When required to comply with laws, regulations, or legal proceedings.
Business Transitions: In the event of mergers, acquisitions, or sales of assets.
With Your Permission: For specific purposes that are disclosed when we collect your data.
5. Securing Your Data
We protect your personal data through encryption, firewalls, and other security measures. Access to your information is restricted to authorized staff who need it to carry out their duties.
6. Your Privacy Rights
You have the following rights regarding your data:
Access/Portability: View or export your data through your account settings.
Correction: Update any inaccurate information in your profile.
Deletion: Request removal of your data by contacting [email protected].
Objection/Restriction: Opt out of non-essential data processing (such as marketing activities).
We will respond to your requests within 30 days and will not treat you unfavorably for exercising these rights.
7. Cookies and Tracking Tools
We use cookies and similar tracking tools (including web beacons, pixel tags, and device identifiers) for the following purposes:
To improve user experience (such as managing user sessions, remembering your preferences).
To analyze traffic patterns (using performance cookies to understand how users interact with our services).
Your Rights Regarding Tracking Tools:
1. Manage/Disable Cookies: You can adjust cookie preferences through your web app settings (e.g., Chrome, Safari, Firefox) or mobile device settings. Most apps allow you to block all cookies, block third-party cookies, or receive prompts before cookies are stored.
2. Opt Out of Non-Essential Tracking: You may opt out of non-essential tracking (e.g., analytics for marketing) by navigating to the "Privacy Settings" in your CardNera account, or by using industry-wide opt-out tools (e.g., Network Advertising Initiative opt-out portal).
3. Clear Existing Tracking Data: You can delete cookies stored by your app at any time; note this may reset your session and require you to re-login to CardNera.
4. Reject Tracking Signals: We respect app "Do Not Track" (DNT) signals. If your app sends a DNT request, we will disable non-essential tracking for your session.
Important Note: Disabling essential cookies (e.g., those required for account authentication, transaction processing) may prevent core CardNera services from functioning properly. We will not use tracking tools to collect personal data without your implicit or explicit consent where required by law.
8. How Long We Keep Your Data
We retain your data only for as long as needed to fulfill the purposes outlined here, including:
Active Accounts: Until you request deletion or after 2 years of inactivity.
Legal Obligations: Transaction records (retained for 7 years to comply with tax laws).
9. Privacy of Minors
CardNera does not intentionally collect data from individuals under the age of 13. If you believe a minor has provided us with information, please contact us immediately at [email protected] to request its removal.
10. Updates to This Statement
We may update this statement from time to time. Revised versions will be posted on our website and/or within the app. Continuing to use CardNera after updates are posted means you accept the new terms.
11. Get in Touch
For questions or requests related to this privacy statement, please email: [email protected]
12. Links to Third-Party Sites
The App may include links to websites operated by third parties. We do not control these sites' privacy practices, so we recommend reviewing their policies separately.