Privacy Policy

This Privacy Policy explains how Card Up Now collects, uses, discloses, and protects personal data. This Policy works together with our Terms & Conditions and other legal documents. Whenever you sign up, submit information on our website or dashboard, or contact us, we process your data as described here. Our Privacy Policy practices may differ depending on the region, but this Policy outlines how we handle your data globally and your rights regarding it.

Responsibility for Data

Card Up Now acts as the data controller for personal information you provide directly to us, for example, via email or your dashboard. In certain cases, we act as a processor, applying data processing rules of a third-party partner. Those cases are handled under any applicable partner policy.

What Is Personal Data?

Personal data means any information that can identify you directly or in combination with other information, such as email, IP address, transaction history, and usage logs. We minimize data collection to what is necessary to provide services.

How We Collect Personal Data

We collect data in several ways:

• Provided by you: When you register, make payments, or contact support, you may share email, password, wallet address, or technical account details.
• Automatically collected: We record non-identifying metadata such as IP address, device type, browser settings, session logs, and referral source.
• From third parties: We may receive limited information from payment processors or blockchain partners to confirm transactions or prevent fraud.
• Required data: Some data may be necessary to deliver services (e.g., wallet addresses for crypto funding). If you do not provide it, we may be unable to issue your card. We aim to process only required details.

Data Subjects

At Card Up Now, we serve a wide range of users. The personal data we collect and process depends on how you interact with our platform. Below are the primary categories of individuals whose data we may collect:

1. Registered Users (Individual or Business)
   These are users who create an account on Card Up Now to issue and manage virtual cards. They may be individuals looking for a private, no-KYC way to shop or subscribe online, or they may be business users who manage large advertising budgets, employee expenses, or recurring digital payments. We collect account details like email address, login credentials, and transaction history to provide our services securely and efficiently.
2. Website Visitors
   If you visit our website without registering, we may still collect limited technical data such as your IP address, browser type, language settings, pages visited, and time spent on the site. This helps us understand how visitors use our website, improve performance, and ensure platform stability. We do not collect personal identifiers unless you choose to sign up or contact us directly.
3. Platform Users Funding or Managing Virtual Cards
   Once a registered user funds their account and begins using virtual cards, we process additional data related to their transactions. This includes wallet addresses (for crypto payments), card usage logs, funding amounts, and timestamps. We do not collect any name, passport number, phone number, or national ID. All data is used to process payments, manage balances, detect fraud, and improve user experience. Users remain anonymous throughout the process, unless they voluntarily disclose additional information.
4. API Users and Developers (Enterprise or Platform Use)
   For organizations that integrate our services using the Card Up Now API, we may collect data on the company representative managing the account, including work email, technical activity logs, and card issuance behavior. These users may issue virtual cards to their own users or manage them across internal teams. In these cases, Card Up Now may act as a processor, and the enterprise remains the data controller. We only store operational data required to ensure service performance, prevent abuse, and meet contractual responsibilities.
5. Support Contacts and Communication Leads
   If a user contacts our customer support team—via email, ticket system, or live chat—we may process the submitted content, email address, IP address, and communication history. This data is stored securely and used only to resolve your issue, provide service updates, or improve support quality.

We treat all data subjects with equal care and apply the same Privacy Policy principles across all regions. Our data collection remains minimal, secure, and purpose-driven. You always remain in control of your account and can request access, changes, or deletion of your data at any time.

How We Use Your Data & Legal Basis

We use personal data for these purposes:

• To create and manage your account
• To issue cards, process payments, and deliver card details
• To respond to inquiries, support requests, and feedback
• To enforce Terms of Service and prevent abuse or fraud
• To comply with legal or regulatory obligations where applicable
• To analyze usage patterns and improve our services

Our legal basis includes contract performance (issuing cards), legitimate interests (fraud prevention, service improvement), and consent (marketing emails, if you opt in).

What Data We Collect & Why

Cookies and Tracking

We use cookies, local storage, and analytics tools to track site usage, improve performance, and understand user behavior. This includes tracking your session, page visits, speed, and interface interactions. Cookies can be disabled in your browser settings. Embedded third-party tools (like chat or analytics) may also use tracking cookies; we encourage reviewing their Privacy Policy notices.

Data Sharing and Third Parties

We do not sell or rent personal data to third parties. We may disclose data to:

• Service providers who support platform operations (e.g. payment gateways, hosting).
• Regulatory or legal authorities, if required by law.
• Business partners only when necessary (e.g. for integrations) and with safeguards.
• Affiliates only if required for service delivery and under confidentiality.

We do not share wallet addresses or transaction metadata beyond what’s needed to process payments.

Data Retention & Deletion

We keep your personal data for as long as your account is active or as needed to fulfill contractual, legal, or analytical purposes. If you delete your account, we retain minimal data (anonymized logs and identifiers) for legal compliance and dispute resolution. Transaction data may be retained up to 5 years, depending on jurisdiction.

Your Rights

Depending on applicable law (e.g. GDPR, CCPA), you may have the right to:

• Request access to your personal data
• Request correction or deletion
• Object to or restrict data processing
• Request portability to another provider
• Withdraw consent for marketing communications (if you opted in)

Requests may be submitted through your account dashboard or via email. We may verify identity before fulfilling certain requests.

Data Security

We implement strong security measures to protect your data:

• Encryption of data at rest and in transit
• Two-factor authentication (2FA) for account access
• Secure, encrypted storage and blockchain verification for payment details
• Real-time fraud detection and risk monitoring
• Activity logs, audit trails, and role-based access controls

Although no system is absolutely secure, we follow industry-standard practices to reduce risk.

Children’s Privacy Policy

Our service is intended for users aged 18 and above. If we learn that personal data from a minor under 18 was collected, we will delete it promptly. Parents or guardians can request removal of any child’s data by contacting us.

International Data Transfers

User data may be stored or processed in servers located outside your country, including regions with no adequacy decisions. In such cases, we use appropriate legal safeguards, such as standard contractual clauses, to protect your rights.

Changes to this Privacy Policy

We may update this Privacy Policy over time. We will post the new version with a “Last updated” date. Significant changes may be highlighted. Continued use of the platform after the update indicates your acceptance.

Contact Information

If you have privacy questions, or wish to exercise your data rights & Privacy Policy, please reach out to us at support@cardupnow.com or use the message system in your dashboard.