California Consumer Privacy Act Notice
Your California Privacy Rights Under the CCPA
Pursuant to the California Consumer Privacy Act of 2018 ("CCPA") and its amendments, EDTAU Pty Ltd, trading as Halocard ("Halocard," "we," or "us"), provides the following details regarding the collection, use, and disclosure of personal information about California residents. This CCPA Notice supplements the information contained in our Privacy Policy and applies solely to California residents.
This CCPA Notice does not apply to information collected about job applicants, employees, contractors, owners, directors, or officers.
Sources of Personal Information
We collect personal information from the following sources:
- Direct Interactions: Information you provide when registering an account, verifying your identity, or conducting transactions.
- Public Sources: Publicly available databases and joint marketing partners.
- Third-Party Services: Identity verification services, consumer reporting agencies, and financial institutions.
- Automated Data Collection: Information collected through your interactions with our websites, applications, and devices.
Categories of Personal Information Collected and Disclosed
The following chart summarizes the categories of personal information we collect and disclose for business purposes:
| Category of Personal Information | Examples | Disclosed To |
|---|---|---|
| Identifiers | Name, email, phone number, IP address, online IDs | Service providers, financial institutions, and government authorities |
| Personal Information under California Law | Contact details, payment card info, bank account | Service providers, financial institutions, and government authorities |
| Protected Classifications | Age, date of birth | Service providers and financial institutions |
| Commercial Information | Transaction details, purchase history | Service providers, financial institutions, and payment processors |
| Internet Activity | Browsing and interaction data | Service providers and analytics partners |
| Geolocation Data | Approximate location from IP address | Service providers and financial institutions |
| Audio or Video Recordings | Customer support call recordings | Service providers for quality and dispute resolution |
| Inferences | User preferences and transaction characteristics | Internal systems and service providers |
We do not sell or share personal information, as defined under the CCPA, including the personal information of minors under the age of 16.
Use of Personal Information
We use personal information for the following purposes:
- To provide and manage our Services.
- To process transactions and verify user identity.
- To ensure compliance with legal and regulatory requirements.
- To improve, personalize, and enhance our Services.
- To detect and prevent fraudulent or unauthorized activities.
- To conduct internal analytics, reporting, and quality control.
Your CCPA Rights
If you are a California resident, you have the following rights under the CCPA:
1. Right to Know
You may request:
- The categories and specific pieces of personal information we have collected about you.
- The sources from which we collect personal information.
- The purposes for collecting, using, or sharing personal information.
- The categories of third parties with whom we share personal information.
2. Right to Delete
You may request the deletion of personal information we have collected, subject to legal and business exceptions.
3. Right to Correct
You may request that we correct inaccurate personal information.
4. Right to Non-Discrimination
You have the right to receive equal service and pricing, regardless of your exercise of privacy rights.
Submitting CCPA Requests
To exercise your CCPA rights, you may submit a request through the following methods:
- Email: privacy@halocard.co
- Phone: +1 323 410 4555
We will verify your identity before processing your request. This may involve confirming your account credentials or requesting additional information to protect against fraudulent requests.
If you use an authorized agent to submit a request on your behalf, we may require additional documentation, such as a signed authorization or power of attorney.
Data Retention
We retain personal information as required by law or for business purposes. For example:
- Identity Verification Data: Retained for five years after account closure.
- Transaction Records: Retained for six years for compliance with financial regulations.
When retention periods expire, data is securely deleted or anonymized.
Changes to this CCPA Notice
We may update this CCPA Notice from time to time to reflect changes in our practices or legal requirements. Updates will be posted with a new "Effective Date."
For significant changes, we will notify you through email or your Halocard Account.
Contact Us
For questions or concerns regarding this CCPA Notice or our privacy practices, please contact us at:
Email: privacy@halocard.co
Address: 525 Collins Street, Rialto, Level 2, Podium East, Melbourne, VIC