PRIVACY POLICY

Privacy Notice

Credit Cards Direct, Inc understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of all of our partners and the users of Credit Cards Direct, Inc’s websites and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.

Information About Us

Credit Cards Direct, Inc, is a Califonia S-Corporation with its offices located at: 5000 Birch St. Suite 3000 Newport Beach Ca, 92660

1. What Does This Notice Cover?

This Privacy Information explains how we use your personal data: how it is collected, how it is held, and how it is processed. It also explains your rights under the law relating to your personal data.

We employ a “tiered approach” to explain our privacy practices, as recommended by regulators. This means that we strive to initially provide you with key privacy information in the form of this Privacy Notice. If you wish to view the complete Privacy Policy, you may click here

2. What is Personal Data?

Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’. That definition englobes personal information as defined by various data protection legislation in Canada (PIPEDA) and the United States.

Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.

The personal data that we use is set out in Part 5, below

3. What Are My Rights?

Under the GDPR, you have the following rights, which we will always work to uphold

4. The right to be informed about our collection and use of your personal data. This Privacy Notice should tell you everything you need to know, but you can always contact us to find out more or to ask any questions using the details in Part 11.

a. The right to access the personal data we hold about you. Part 10 will tell you how to do this. 

b. The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete. Please contact us using the details in Part 11 to find out more.

c. The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we have. Please contact us using the details in Part 12 to find out more.

d. The right to restrict (i.e. prevent) the processing of your personal data. 

e. The right to object to us using your personal data for a particular purpose or purposes.

f. The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.

g. Rights relating to automated decision-making and profiling. Part 6 explains more about how we use your personal data, including automated decision-making and/or profiling.

For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 12. 

Further information about your rights can generally also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau, or a similar service provider.

If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office.

5. What Personal Data Do You Collect?

We may collect some or all of the following personal data (this may vary according to your relationship with us:

• Name;
• Date of birth;
• Gender;
• Address;
• Email address;
• Telephone number;
• Business name;
• Job title;
• Profession;
• Payment information;
• Information about your preferences and interests;

6. How Do You Use My Personal Data?

In accordance with the GDPR, we must always have a lawful basis for using personal data. This may be because the data is necessary for our performance of a contract with you, because you have consented to our use of your personal data, or because it is in our legitimate business interests to use it. Your personal data may be used for one of the following purposes:

• Providing and managing your account.
• Supplying our services to you. Your personal details are required in order for us to enter into a contract with you.
• Personalizing and tailoring services for you.
• Communicating with you. This may include responding to emails or calls from you.
• Supplying you with information by email that you have opted-in to (you may unsubscribe or opt-out at any time by clicking here.
• With your permission and/or where permitted by law, We may also use your personal data for marketing purposes, which may include contacting you by email, telephone or text message and with information, news, and offers on our products and services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out.

California Consumer Privacy Act

Since January 1, 2020, the California Consumer Privacy Act protects the rights of all California resident consumers relatively to their personal data. We respect this legislation by only processing the necessary personal data for the following business purposes:

1. Auditing Interactions with Consumers
2. Security
3. Debugging/Repair
4. Certain Short-term Uses
5. Performing Services
6. Internal Research for Tech Development; and
7. Quality and Safety Maintenance and Verification

We never sell your personal data to third-parties.

7. Information Collected Through Tracking

The information that Credit Cards Direct, Inc collects is used in the aggregate to obtain demographic information about the entire Credit Cards Direct, Inc audience in order to improve service to its customers and merchants, to perform statistical analysis of the collective characteristics and behavior of its users. From this information, Credit Cards Direct, Inc can measure overall patron demographics and interests regarding specific areas of the Credit Cards Direct, Inc domain and to analyze how and where to apply its resources. Credit Cards Direct, Inc also uses the collected aggregate data to inform its sponsors of the number of visitors who have seen and “clicked” on their advertisements.

8. How Long Will You Keep My Personal Data?

We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Your personal data will therefore be kept for the following periods (or, where there is no fixed period, the following factors will be used to determine how long it is kept). You can get more information by contacting the DPO.

9. How and Where Do You Store or Transfer My Personal Data?

We may store or transfer some or all of your personal data worldwide, including countries that that are not part of the European Economic Area (the “EEA” consists of all EU member states, plus Norway, Iceland, and Liechtenstein). Although other countries may not have and may not have data protection laws that are as strong as those that you are used to, we will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within Canada, USA and Europe.

The security of your personal data is essential to us, and to protect your data, we use commercially reasonable precautions, such as security software, physical security features and strict policy guidelines to safeguard the privacy of our users’ personal information; we are also committed to constantly improving our security measures as new technology is made available. We work diligently to protect the safety of customers’ online purchases and merchants’ sensitive information by using authentication technology (certificates) and encryption technology (SSL). Our secure server software encrypts all personal information, including credit card information and/or social security number, which is transmitted over the Internet to and Credit Cards Direct, Inc’s websites.

10. Do You Share My Personal Data?

We may share your personal data with other companies in our group for performance of the services, anti-money laundering and anti-terrorism efforts, security.

If any of your personal data is required by a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law, as described above in Part 8.

If any personal data is transferred outside of the EEA, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR, as explained above in Part 8.

In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.

11. How Can I Access My Personal Data?

If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.

All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 12. To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell us everything we need to know to respond to your request as quickly as possible.

There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover our administrative costs in responding.

We will respond to your subject access request within 20 days and, in any case, not more than one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex or we have to identify you, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.

12. How Do I Contact You?

To contact us about anything to do with your personal data and data protection, including to make a subject access request, please use the following details :

Email: info@creditcardsdirectinc.com

Telephone number: 1 (855) 405-8472

Postal Address: 5000 Birch St. Suite 3000 Newport Beach Ca, 92660

13. Changes to this Privacy Notice

We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if we change our business in a way that affects personal data protection.

Any changes will be made available on our website.