Privacy Policy
Introduction
This Privacy Policy explains how GuCard collects, uses, shares, and protects your personal information when you access and use its services. By using GuCard, you agree to the practices described in this policy. Protecting your privacy is of paramount importance, and GuCard is committed to ensuring transparency and compliance with applicable data protection laws.
1. Information We Collect
GuCard collects and processes the following types of information to provide and improve its services:
1.1 Personal Information
Identity Data: Includes your name, date of birth, nationality, and government-issued identification documents required for Know Your Customer (KYC) compliance.
Contact Data: Includes your email address, phone number, and mailing address.
1.2 Transaction Data
Details of transactions performed using GuCard, including payment amounts, recipient details, and timestamps.
Information about linked crypto wallets or bank accounts for fiat-to-crypto conversions or top-ups.
1.3 Technical Information
Device data, including IP addresses, browser types, operating systems, and device identifiers.
Usage data, such as login times, session durations, and pages accessed on GuMart’s platform.
1.4 Cookies and Similar Technologies
Cookies may be used to enhance your experience and analyze usage patterns. Users can manage cookie preferences via their browser settings.
2. How We Use Your Information
GuCard uses your information for the following purposes:
2.1 Service Delivery
To enable card activation, transactions, and account management.
To process payments, including fiat and cryptocurrency conversions.
2.2 Compliance and Security
To comply with KYC and Anti-Money Laundering (AML) regulations.
To detect and prevent fraud, unauthorized access, and illegal activities.
2.3 Personalization
To customize your experience based on usage patterns and preferences.
To deliver tailored rewards, cashback, and promotional offers.
2.4 Communication
To send notifications about transactions, updates to services, or changes to this Privacy Policy.
To address user inquiries and resolve disputes via official communication channels.
3. How We Share Your Information
GuCard may share your data with third parties only under the following conditions:
3.1 Authorized Service Providers
Payment processors, crypto liquidity providers, and card issuance partners for seamless transaction execution.
3.2 Regulatory Authorities
Data may be shared with regulatory bodies to comply with applicable laws and ensure transparency in operations.
3.3 Business Transfers
In the event of a merger, acquisition, or restructuring, your data may be transferred to the new entity under the same privacy principles.
GuCard does not sell or share your data with advertisers or unauthorized third parties.
4. Data Security
GuCard implements robust security measures to safeguard your data from unauthorized access, loss, or misuse:
4.1 Encryption
End-to-end encryption is employed for all transactions and sensitive data exchanges.
4.2 Access Controls
Multi-factor authentication (MFA) is required for account access.
Role-based access ensures that only authorized personnel can handle user data.
4.3 Breach Notification
In the event of a data breach, GuCard will notify affected users promptly and take corrective measures in compliance with applicable laws.
5. Data Retention
GuCard retains your information only as long as necessary to fulfill the purposes outlined in this policy or comply with legal obligations. Retention periods include:
Transaction data: Retained for at least 5 years to meet regulatory requirements.
Personal information: Retained during the active use of GuCard and up to 3 years after account closure, unless otherwise mandated by law.
6. Your Rights
As a user, you have the following rights concerning your data:
6.1 Access and Portability
You may request a copy of your data in a portable format.
6.2 Rectification
You can update or correct inaccurate or incomplete data through the GuMart Super App or other designated channels.
6.3 Deletion
You may request the deletion of your data, subject to compliance with regulatory obligations.
6.4 Objection and Restriction
You can object to certain data processing activities or request restrictions on the processing of your data.
Requests to exercise these rights can be made through the communication channels published on GuMart’s official website.
7. International Data Transfers
GuCard may transfer data to jurisdictions outside your region. When doing so, GuCard ensures:
Compliance with applicable international data protection laws.
Implementation of safeguards, such as standard contractual clauses, for secure cross-border data transfers.
8. Updates to the Privacy Policy
This Privacy Policy may be updated periodically to reflect changes in services, regulations, or industry practices. Updates will be published on GuMart’s website, and continued use of GuCard constitutes acceptance of the revised policy.
9. Contact Information
For any questions, concerns, or requests related to this Privacy Policy, users are encouraged to connect through the communication channels listed on GuMart’s official website or social platforms.
By using GuCard, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and sharing of your data as described. GuCard remains committed to safeguarding your privacy while delivering exceptional service.
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