Privacy Policy

1. Introduction

HBDcard ("we", "our", "us") is committed to protecting your personal data. This Privacy Policy explains what information we collect, how we use it, and your rights regarding that information when you use our website, mobile application, or card services.

By using our Service, you agree to the collection and use of information as described in this Policy.

2. Information We Collect

We collect the following categories of personal data:

• Identity data — full name, date of birth, nationality, government-issued ID
• Contact data — email address, phone number, residential address
• Financial data — wallet addresses, transaction history, card usage
• Technical data — IP address, browser type, device identifiers, cookies
• KYC data — selfies and identity documents submitted for verification

3. How We Use Your Information

We use your personal data to:

• Provide, operate, and improve our Service
• Verify your identity and comply with KYC/AML obligations
• Process transactions and manage your account
• Detect and prevent fraud, money laundering, and other illegal activity
• Communicate with you regarding your account, updates, and support
• Comply with applicable legal and regulatory requirements

4. Legal Basis for Processing

We process your personal data on the following legal bases:

• Contract performance — to provide the Service you have requested
• Legal obligation — to comply with AML, KYC, and other regulatory requirements
• Legitimate interests — to prevent fraud and improve our services
• Consent — where you have explicitly provided consent for specific processing activities

5. Data Sharing

We do not sell your personal data. We may share your information with:

• Identity verification providers — for KYC processing
• Card network partners — Mastercard and issuing banks for payment processing
• Regulatory authorities — when required by law or court order
• Service providers — trusted third parties who assist in operating our platform, under strict confidentiality agreements

6. Data Retention

We retain your personal data for as long as necessary to provide our Service and comply with legal obligations. KYC and transaction records are typically retained for a minimum of 5 years in accordance with AML regulations. You may request deletion of your data subject to legal retention requirements.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, or destruction. These include encryption, access controls, and regular security reviews. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Cookies

We use cookies and similar tracking technologies to improve your experience on our website. These include essential cookies necessary for the Service to function, and analytics cookies that help us understand how visitors use our site. You can control cookie settings through your browser preferences.

9. Your Rights

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

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data (subject to legal retention obligations)
• Object to or restrict certain processing activities
• Request portability of your data in a structured format
• Withdraw consent where processing is based on consent

To exercise your rights, contact us at hbdcardinfo@gmail.com

10. International Transfers

Your data may be transferred to and processed in countries outside your country of residence. We ensure that any such transfers are subject to appropriate safeguards in accordance with applicable data protection laws.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new Policy on our website with an updated effective date. Your continued use of the Service after changes constitutes acceptance of the updated Policy.

12. Contact

For any privacy-related questions or requests, contact us at hbdcardinfo@gmail.com