Privacy Policy

Effective Date: [Insert Date]

Introduction

At Ticardo, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our platform, services, mobile applications, and website located at https://ticardo.com.

By using Ticardo, you agree to the practices described in this policy.

Information We Collect

We collect two types of information when you use Ticardo:

1. Personal Information

This includes information that can identify you as an individual, such as:

Full name
Email address
Mailing address
Date of birth
Phone number
Government-issued ID
Bank account or payment card information
Identity verification documents (when required for KYC compliance)

This information is collected when you:

Register for a Ticardo account
Top up your virtual card
Undergo identity verification
Contact support
Participate in surveys or promotions

2. Non-Personal Information

This refers to data that does not directly identify you. It includes:

Browser type and settings
Device information
IP address
Operating system
Usage data and activity logs
Session duration and navigation patterns

We collect this automatically through cookies, analytics tools, and device metadata.

How We Use Your Information

We use the information we collect to:

Create and manage your Ticardo account
Verify your identity in compliance with legal and financial regulations
Process top-ups, transactions, and card usage
Communicate important updates, including transactional and service messages
Respond to inquiries and support requests
Personalize your experience on the platform
Analyze usage trends and improve performance and security
Comply with legal obligations (e.g., KYC, AML, fraud prevention)

Marketing communications will only be sent with your explicit consent, and you may opt out at any time.

Sharing of Information

We may share your information in the following situations:

With service providers (e.g., Stripe, identity verification vendors, infrastructure hosts) who help us operate Ticardo securely and efficiently
With regulatory bodies or law enforcement, when required to comply with applicable laws or legal processes
With third parties in a merger, acquisition, or corporate restructuring, provided that appropriate data safeguards are maintained

We do not sell your personal information to third parties or share it for marketing purposes without your explicit permission.

Data Retention

We retain your information for as long as needed to:

Provide services to you
Fulfill legal and compliance obligations (e.g., transaction records, KYC data)
Resolve disputes and enforce our terms

After this period, your data is securely deleted or anonymized.

Security Measures

We implement industry-standard technical and organizational safeguards to protect your information, including:

Encryption of sensitive data
Access controls and authentication procedures
Regular security audits and monitoring

While we strive to secure your data, no platform can guarantee complete protection from unauthorized access or cyber threats.

Your Rights & Choices

Depending on your location, you may have the right to:

Access, correct, or delete your personal information
Object to certain processing activities
Withdraw consent (where applicable)

You can manage these by contacting us at [[email protected]].

Cookies & Tracking Technologies

Ticardo uses cookies and similar technologies to enhance your experience, analyze performance, and deliver relevant content. You can modify your browser settings to control cookie usage.

Changes to this Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by updating the policy on our website and revising the "Effective Date" above.

We recommend checking this page occasionally to stay informed.

Contact Us

If you have any questions about this policy or your data, contact us at:
📧 [email protected]
🌐 https://ticardo.com