Privacy Policy | Halocard

This Privacy Policy describes how EDTAU Pty Ltd, trading as Halocard ("Halocard," "we," "our," or "us"), collects, uses, shares, and protects your personal data when you interact with our websites, applications, products, and services (collectively, "Services"). By accessing or using our Services, you agree to the terms of this Privacy Policy.

Halocard values your trust and is committed to protecting your privacy. We collect and use only the minimum necessary data to deliver secure and reliable Services, comply with legal obligations, and improve your experience. Halocard does not sell your personal data for advertising or marketing purposes.

1. Information We Collect

We collect information from and about you to provide and improve our Services, verify your identity, and protect against fraud.

1.1. Information You Provide

Account Registration: Name, email address, phone number, and password.
Verification: Government-issued identification, proof of address, or other documentation as required by law.
Funding Sources: Bank account details, credit or debit card information.
Customer Support: Any information you provide when contacting our support team.

1.2. Information We Collect Automatically

Transaction Data: Details of purchases made using Halocard Virtual Cards, including amounts, dates, times, and merchant information.
Device Data: IP address, browser type, operating system, hardware model, mobile network, and unique device identifiers.
Usage Data: Interactions with our websites and applications, including pages visited, links clicked, and session duration.

1.3. Information from Third Parties

Identity Verification: Data from third-party verification services to confirm your identity and eligibility.
Fraud Prevention: Data from payment processors, financial institutions, and consumer reporting agencies to prevent fraud and manage risks.

2. How We Use Your Information

Halocard uses your data to:

Provide Services: Process transactions, issue Virtual Cards, and manage your Account.
Verify Your Identity: Comply with legal obligations, including anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.
Enhance Security: Monitor transactions for fraud and unauthorized activity.
Improve Services: Analyze usage trends and feedback to improve performance and user experience.
Communicate with You: Send transactional, security, and service-related communications.

3. How We Share Your Information

We share your personal data under limited and controlled circumstances, including:

Service Providers: Third-party vendors who assist with identity verification, payment processing, and other operational functions.
Financial Institutions: Banks, payment networks, and other entities involved in processing your transactions.
Legal and Regulatory: Government agencies, law enforcement, or regulatory bodies as required by law or to protect our rights.
Business Transactions: In connection with mergers, acquisitions, or other business transfers, where permitted by law.
With Your Consent: As directed by you or as necessary to complete your transactions.

4. Data Retention

We retain your personal data as required by law and for legitimate business purposes. For example:

Identity Verification Data: Retained for at least five years after account closure.
Transaction Records: Retained for six years for compliance with financial regulations.
Audit Logs: Retained for three years from the date of creation.

When retention periods expire, data is securely deleted or anonymized.

5. Your Privacy Choices

You have the right to manage your personal data and communications preferences.

Access and Correction: Update or correct your personal information in your Account settings or by contacting us at secure@halocard.co.
Marketing Preferences: Opt out of promotional emails or messages by following the instructions provided in the communication.
Cookies: Manage your cookie preferences through your browser or device settings. For more information, visit www.aboutcookies.org.
Do Not Track: Halocard's Services do not currently respond to browser-based "Do Not Track" signals.

6. Cookies and Tracking Technologies

Halocard uses cookies and similar technologies to enhance your experience and improve our Services. These technologies help us:

Remember your preferences and settings.
Authenticate and secure your sessions.
Analyze site performance and usage trends.

6.1. Managing Cookies

You can disable cookies through your browser settings. Note that some features of the Services may not function properly without cookies.

7. Security Measures

Halocard employs industry-standard security measures to protect your data, including:

Encryption: Securing sensitive data in transit and at rest.
Access Controls: Restricting access to your information to authorized personnel only.
Multi-Factor Authentication: Requiring additional authentication for added security.
Regular Audits: Conducting security audits and assessments to ensure compliance with PCI DSS and other standards.

While we strive to protect your data, no security system is infallible. You are responsible for safeguarding your Account credentials and promptly notifying Halocard of any suspected breaches.

8. Third-Party Websites

Halocard's Services may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. Your use of third-party websites is governed by their respective privacy policies.

9. Children's Privacy

Halocard does not knowingly collect or process personal data from children under the age of 18. If we become aware of such data, it will be deleted promptly.

10. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on our website with an updated "Effective Date." For significant changes, we will notify you via email or through your Account. Continued use of the Services after changes are effective constitutes your acceptance of the updated Policy.

11. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Email: secure@halocard.co
Address: 525 Collins Street, Rialto, Level 2, Podium East, Melbourne, VIC