This Privacy Policy (“Policy”) describes our practices regarding the use, disclosure, and protection of Personal Information (as defined below) collected by and on behalf of Perfectcard, Inc. (“Perfectcard,” “we,” “us,” or “our”) through our website www.perfectcard.ai, and any other webpage, software, service, feature, product, program and element (including e-mail messages, notifications, and other messages) that links to or references this Policy (collectively, the "Site"), when you register, access, interact with, or use our Site (the “Services”).
This Policy applies when Perfectcard collects, uses, and shares your Personal Information for its own purposes through the Services. For example, this Privacy Statement covers when you:
- Visit a Perfectcard Site that links to this Policy, including when you are directed to a Perfectcard Site through your interaction with specific social media sites, QR Codes, or other referral sources;
- Interact with our Services;
- Provide us with feedback about our products or services; or
- Interact with Perfectcard including SMS messages, emails or chatbot communications.
This Policy does not apply to employees of Perfectcard.
This Policy incorporates our Term of Use ("Terms") found here.
MODIFICATIONS TO THIS POLICY.
We may modify this Policy at any time. Material changes will be posted on the Site or otherwise communicated to you. We encourage you to periodically review this Policy for any changes.
WHAT IS PERSONAL INFORMATION?
The definition of "Personal Information" under applicable law (or similar terms like "personal data" or "personally identifiable information") varies based on where you live, but generally means information that can be used to identify an individual person.
HOW DO WE COLLECT PERSONAL INFORMATION?
We may collect Personal Information: (a) that you provide directly to us, (b) automatically through your use of our Site and Services (e.g., via cookies), and (c) from third-party sources.
WE COLLECT PERSONAL INFORMATION YOU PROVIDE TO US.
You may visit our Site without providing us with your Personal Information. However, if you choose to use certain functions on the Site or our Services, we may collect the following types of Personal Information:
- Contact Information: such as email address, zip code, postal address (including street address, city, and state), phone number, online identifiers and usernames, social media profile, profile photo, internet protocol address, and other similar identifiers;
- Financial Information: your financial preferences, general spending habits, financial goals, or a self-reported credit score range;
- Communication Data: interactions with or through Perfectcard, including through third-party messaging services, apps, and websites or by telephone, including calls and SMS texts and also emails and notifications;
- Internet Activity: Internet and other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding your interaction with an internet website, application, or advertisement; and
- Technical and Device Data: Information about your device, system, and application software, peripherals and other data related to your interactions with our Site.
More about the Personal Information We May Collect.
Feedback. When you provide comments or feedback about our Site or Services or the content on our Site or Services, we will not treat that feedback as confidential, and we may use that feedback for any purpose contemplated by this Policy. Feedback will be used without attribution or compensation to you.
Financial Information: To generate credit card recommendations, you may provide information about your financial preferences, general spending habits, financial goals, or a self-reported credit score range. We typically do not need sensitive financial data like full bank account numbers, complete credit card numbers, or Social Security numbers to provide recommendations.
Business Contracts with Us. When a business contracts directly with us for our Services, we may collect Personal Information pursuant to terms of that relationship. The processing of any information provided in such a business context is governed by the agreements between that business and Perfectcard.
PERSONAL INFORMATION WE COLLECT AUTOMATICALLY.
When you use our Site or Services, we may automatically collect certain information from you using tracking technologies such as cookies, web beacons and pixel tags. A cookie is a small text file that our Site saves onto your computer or device that provides us information about your online activities. Cookies allow the Site to remember your actions and preferences and recognize you or your browser. Web beacons or pixel tags are small graphics on a webpage that monitor your activity when viewing a webpage.
What is the purpose of using cookies?
We use cookies to make our Site function properly, provide personalized experiences, tailor our interactions with you, provide us with valuable data and statistics about the usage and effectiveness of our Site and to help us improve our Site, and help us improve our services.
What type of information do cookies collect?
The cookies on our Site and Services may collect information such as the internet protocol addresses assigned to the computers and other devices you use, your internet service provider, the device ID number, approximate geographic location, the Site or Services pages visited or clicked on, the date and time you visited the Site or Services, and the amount of time spent on the Site or Services, your operating system, browser type, search requests, and other similar information, the websites you access before and after visiting the Site or Services, and data related to how and when you use the Site or Services.
How long do cookies last?
A cookie can either be a “session” cookie or a “persistent” cookie. Session cookies exist only for so long as you are visiting the applicable Site and are typically deleted when you exit your web browser. Persistent cookies exist for a set period of time, for example, up to several months or years. Each time you visit a Site that has implemented a persistent cookie, the persistent cookie is renewed and that cookie will remain active until its predetermined expiration date. You can manually delete persistent cookies through your browser settings.
How do you manage cookies or opt-out?
Most browsers automatically accept cookies. You can disable this function by changing your browser settings, but disabling cookies may impact your use and enjoyment of the Site. Not all features or functions of the Site may work properly if you disable cookies. You cannot disable all cookies, such as cookies that are essential to the functioning of the Site.
“Do-Not-Track” Requirement.
We currently do not respond to “do not track” requests.
Google Analytics.
Google Analytics are used to collect and process information about your use of the Site, including Business Customer’s employment postings on our Site. Google sets cookies on your browser or device, and then your web browser will automatically send information to Google. Google uses this information to provide us with reports that we use to better understand and measure how users interact with our Site and provides reports to our Business Customers so they can better understand and measure how users interact with our Business Customers’ employment postings on our site.
To learn more about how Google uses data, visit Google’s Privacy Policy and Google’s page on “How Google uses data when you use our partners’ sites or apps.” You may download the Google Analytics Opt-out Browser Add-on for each web browser you use. To learn more about Google Analytics cookies, visit Google Analytics Cookie Usage on Websites.
Online Behavioral Advertising.
We use third-party vendors to provide interest-based advertising services. These services may serve advertisements on our behalf that are customized based on predictions about your interests generated from your visits to websites (including this Site) over time and across different websites. The data collected may be associated with your Personal Information. These advertisements may appear on the Site and on other websites and may be sent to you via email.
To change your preferences with respect to certain online ads or to obtain more information about ad networks and online behavioral advertising, visit National Advertising Initiative Consumer opt-out page or the Digital Advertising Alliance Self-Regulatory Program. Changing your settings with individual browsers or ad networks will not necessarily carry over to other browsers or ad networks. Opting-out of targeted advertising does not opt you out of all ads, just those targeted to you.
Google Ads.
We use Google Ads to serve ads across various websites. Google uses Cookies to collect data about your visits to the Site to generate targeted advertisements to you on other websites that you visit. To opt-out of this type of advertising by Google, to customize your ad preferences, or to limit Google’s collection or use of such data, visit Google’s Safety Center and Google’s Ad Settings and follow Google’s personalized ad opt-out instructions. Opting out will not affect your use of the Site.
Device Data.
When you access our Service by or through a mobile device, we may receive or collect and store a unique identification numbers associated with your device or our mobile application (including, for example, a UDID, Unique ID for Advertisers ("IDFA"), Google Ad ID, or Windows Advertising ID), mobile carrier, device type, model and manufacturer, mobile device operating system brand and model, phone number, and, depending on your mobile device settings, your geographical location data, including GPS coordinates (e.g. latitude and/or longitude) or similar information regarding the location of your mobile device.
PURPOSE FOR COLLECTING AND USING PERSONAL INFORMATION.
As Stated or Agreed to at the Point of Collection.
We may use Personal Information for the purposes stated or agreed to (or as is obvious) at the point of collection. For example, we use Personal Information to respond to your questions, comments, or complaints. We may also use Personal Information as requested or consented to by you, such as to offer you our Services, including generating personalized credit card recommendations based on the information you provide, or to communicate with you to provide updates and other information relating to the Site.
Administration.
We use Personal Information for administrative purposes, such as to inform our business strategies and to understand demographics and user preferences for our Services.
Site Management.
We use Personal Information for Site management, such as troubleshooting problems, improving the content and functionality of the Site, statistical and other analyses of the Site, and to customize the Site to you and our users.
Business Analytics.
We use Personal Information for business analytics including consumer and operations research, to assess the effectiveness of our services, product development, and to analyze market trends and (future) customer demand.
Communications.
We may use Personal Information to notify you of new features of our Service, to notify you of changes to our Terms or this Policy, to get your feedback regarding our Services and potential Services and for other similar communications.
To Protect Our Rights.
We may use Personal Information to protect our legal rights or interests, or those of other parties, including to bring a legal action against you or anyone who may be causing harm to us, our Site, or to other users of the Site. We may also use Personal Information to seek business, financial or legal advice, and to respond to other legal requests and regulatory obligations.
DISCLOSURE OF PERSONAL INFORMATION.
We may disclose Personal Information with the following categories of parties, in compliance with applicable laws:
Perfectcard Customers.
We may disclose Personal Information with our business Customers (as defined above) to perform our obligations under our agreements with our business Customers.
Employees and Affiliates.
We may disclose Personal Information with our employees and affiliates who have a need to know the information for our business purposes.
Third Parties, Vendors, and Contractors.
In addition to the vendors referenced elsewhere in this Policy, we may disclose your Personal Information to third parties, service providers, and contractors who process your Personal Information on our behalf for the purpose of carrying out administrative, Service features, billing or technological support functions and otherwise to provide you the communications and Services contemplated in this Policy.
Change in Ownership.
We may disclose Personal Information in connection with a sale, merger, reorganization, or other similar transaction, or in the event of a bankruptcy, receivership or a similar transaction (and with respect to due diligence related to the foregoing).
Advisors.
We may disclose Personal Information with our professional advisors, such as our attorneys, accountants, financial advisors and business advisors, in their capacity as advisors to us
Legal.
Finally, we may disclose your Personal Information to legal or governmental authorities (a) if we believe in good faith we are legally required to disclose that Personal Information, (b) if we are advised to disclose Personal Information by our legal counsel, or (c) when necessary to identify, contact or bring a legal action against someone who may cause or be causing harm to, or interfering with our legal rights or any other party's legal rights.
Other Users.
By submitting a copyright infringement notice, counter-notice or other similar notification, you consent to having that communication forwarded to any person or entity to whom the notice or counter-notice relates to, in order to facilitate a prompt resolution of the copyright infringement claim. Copyright infringement notices and/or counter-notices from you will be treated in accordance with our Copyright Policy.
Other.
We may disclose Personal Information with third parties when explicitly requested by or consented to by you.
INFORMATION WE DO NOT WANT YOU TO SEND US.
Children's Personal Information.
The Site and Services are not directed at children under 13 years old. We do not knowingly collect, use, or disclose Personal Information from children under 13. If your child has provided us with their Personal Information, please contact us and we will make commercially reasonable attempts to delete such Personal Information.
SOCIAL MEDIA.
We are active on social media, such as Facebook, WhatsApp, Facebook Messenger, Google, Twitter, Instagram and LinkedIn (“Social Media”). Anything you post on Social Media is public information and will not be treated confidentially. We may post (or re-post) on the Site, Services, and our Social Media pages any comments or content that you post on Social Media pages. Your use of Social Media platforms are governed by the applicable privacy policies and terms of the providers that own and operate those platforms and not by this Policy. We encourage you to review those policies and terms.
The Site and Services may allow you to connect and share data with Social Media platforms, including job postings in which case we may also collect information available through that third party service. Please always check your permissions on third party sites before connecting them to our Service. These features may require us to use cookies, plug-ins, and application programming interfaces provided by such Social Media platforms to facilitate those communications and features. The Site and Services may use advertising networks and services offered by Social Media platforms to deliver advertising content. Use of these services requires Social Media platforms to implement cookies or pixel tags to deliver ads to you while you access the Site and Services.
DATA SECURITY.
We use commercially reasonable technical and organizational measures to help secure Personal Information against loss, misuse, and alteration appropriate to the type of Personal Information processed. If a breach of your Personal Information occurs, we will notify you of the breach if required under applicable law.
NO DATA TRANSMISSION OVER THE INTERNET OR BETWEEN DEVICES CAN BE GUARANTEED TO BE 100% SECURE. WHILE WE STRIVE TO PROTECT PERSONAL INFORMATION, WE DO NOT GUARANTEE THE SECURITY OF PERSONAL INFORMATION AND YOU PROVIDE PERSONAL INFORMATION AT YOUR OWN RISK.
ACCESS FROM OUTSIDE THE UNITED STATES.
If you access the Site from outside the United States, please be aware that Personal Information may be transferred to, stored in, and processed in the United States and in any other country in which Perfectcard or its subsidiaries, affiliates or service providers maintain facilities. Certain governmental authorities may not consider the level of protection of Personal Information in the United States or in such other jurisdictions to be equivalent to that required in other jurisdictions.
THIRD-PARTY WEBSITES.
The Site and Services may contain links to third-party websites that we do operate or control. We do not assume responsibility for the activities of such third parties, do not control these websites and are not responsible for their content, security, or privacy practices. We urge you to review the privacy policy posted on each website you visit prior to using the site or providing Personal Information.
RETENTION.
We will keep Personal Information for the period necessary to fulfill the purposes described in this Policy, unless a longer retention period is permitted or required by law. Personal Information we collect in the course of providing the Service may be shared with our Business Customer and we do not control access to nor delete that Personal Information once it has been shared with our Business Customer You may contact the Business Customer directly to learn more about how the Business Customer uses and stores your personal information.
AGGREGATE OR DE-IDENTIFIED INFORMATION.
We may create aggregated, de-identified or anonymized data from the Personal Information we collect, including by removing information that makes the data personally identifiable to a particular user. We may use such aggregated, de-identified or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build and improve the Services and for advertising, research, compliance or other purposes.
CONTACT US
If you have any questions or concerns related to this Policy, you may contact us as set forth below:
Perfectcard
Legal Department
hello@perfectcard.ai