This Privacy Policy ("Privacy Policy") explains how PINK WALLET TECHNOLOGY INC. ("PinkCard," "we," "our," or "us") collects, uses, discloses, stores, and protects personal information when you access or use our website, applications, PinkCard,and related services (collectively, the "Services").
By using our Services, you acknowledge that you have read and understood this Privacy Policy.
1. Company Information
The Services are operated by:
PINK WALLET TECHNOLOGY INC.
Website: https://pinkcard.app
2. Scope of this Privacy Policy
This Privacy Policy applies to:
- visitors to our website
- registered users
- PinkCard users
- prospective customers.
It also applies to information collected through:
- our website
- mobile applications
- APIs
- payment interfaces
- customer support
- identity verification
- marketing communications
- third-party integrations.
3. Information We Collect
Depending upon the Services you use, we may collect the following categories of information.
3.1 Personal Identification Information
This may include:
- full name
- date of birth
- nationality
- residential address
- government-issued identification
- passport details
- driver's licence
- national identification number (where permitted by law)
- selfie or facial verification data
- signature.
3.2 Contact Information
Including:
- email address
- telephone number
- mailing address
- billing address.
3.3 Account Information
Including:
- username
- account identifier
- account preferences
- login history
- authentication information.
Passwords are encrypted and are never stored in plain text.
3.4 Payment Information
Depending upon the payment method selected, we may collect:
- payment card information
- payment token
- transaction identifier
- payment authorization status
- payment method
- payment currency
- issuing institution
- payment amount.
Important: PinkCard does not store complete payment card numbers or CVV values. Payment card information is processed through PCI DSS-compliant payment service providers.
3.5 Identity Verification Information
To comply with applicable laws and payment partner requirements, we may collect:
- identity documents
- proof of address
- beneficial ownership information
- business registration documents
- tax identification information
- source of funds information
- source of wealth information
- sanctions screening results
- politically exposed person (PEP) screening results.
3.6 Transaction Information
Including:
- payment history
- card transactions
- refunds
- chargebacks
- PinkCard usage
- settlement information
- transaction timestamps.
3.7 Technical Information
Automatically collected information may include:
- IP address
- browser type
- operating system
- device identifiers
- language settings
- referring website
- time zone
- pages visited
- session information.
3.8 Device Information
We may collect:
- mobile device model
- operating system version
- application version
- device fingerprint
- push notification token.
3.9 Usage Information
Including:
- login frequency
- clickstream data
- features used
- transaction behaviour
- customer preferences.
4. How We Collect Information
We collect information:
Directly from you
When you:
- create an account
- complete identity verification
- purchase products
- contact customer support
- complete surveys
- participate in promotions.
Automatically
Through:
- cookies
- SDKs
- analytics tools
- server logs
- fraud detection systems.
From Third Parties
Including:
- payment processors
- card issuers
- identity verification providers
- financial institutions
- fraud prevention providers
- sanctions screening providers
- analytics providers
- business partners.
5. How We Use Your Information
We use personal information to:
- provide the Services
- issue PinkCard
- verify identity
- comply with AML and KYC obligations
- prevent fraud
- comply with sanctions laws
- authenticate users
- communicate with customers
- improve our Services
- provide customer support
- comply with legal obligations
- respond to lawful requests from regulators
- protect our legal rights
- investigate misuse of the Services.
We will only process personal information where we have a lawful basis to do so under applicable law.
6. Legal Bases for Processing
Depending on your jurisdiction, we process personal information based on one or more of the following legal grounds:
- your consent
- performance of a contract
- compliance with legal obligations
- protection of vital interests
- legitimate business interests, provided those interests are not overridden by your rights and freedoms.
7. How We Share Your Information
We do not sell your personal information.
We may disclose your personal information only where necessary to operate our Services, comply with legal obligations, or protect our legitimate business interests.
Your personal information may be shared with:
7.1 Payment Service Providers
To process payments, we may share information with authorized payment processors, acquiring banks, card schemes, and other payment service providers.
This may include:
- Visa
- Mastercard
- WeChat Pay International
- Alipay+
- Other payment partners supporting our Services
Only the information necessary to complete, authenticate, or settle a transaction will be shared.
7.2 Banking Partners
Where required, information may be shared with licensed financial institutions involved in:
- payment settlement
- PinkCard issuance
- regulatory reporting.
7.3 Identity Verification Providers
To verify your identity and comply with legal obligations, we may share information with third-party providers performing:
- identity verification
- document authentication
- biometric verification
- sanctions screening
- politically exposed person (PEP) screening
- adverse media screening.
7.4 Regulatory Authorities
We may disclose information where required by applicable law or where we reasonably believe disclosure is necessary to:
- comply with court orders or legal process
- respond to lawful requests from regulators or law enforcement
- satisfy anti-money laundering or sanctions obligations
- protect the security or integrity of our Services.
7.5 Professional Advisors
We may disclose information to our legal counsel, auditors, accountants, insurers, and other professional advisers where necessary for legitimate business purposes.
7.6 Corporate Transactions
If PINK WALLET TECHNOLOGY INC. undergoes a merger, acquisition, financing, reorganization, sale of assets, or similar corporate transaction, personal information may be transferred as part of that transaction, subject to applicable law.
8. International Data Transfers
Because we operate internationally, your personal information may be transferred to, stored in, or processed in countries other than the country in which you reside.
These countries may have data protection laws that differ from those in your jurisdiction.
Where required by applicable law, we will implement appropriate safeguards for international data transfers, including contractual measures or other legally recognized transfer mechanisms.
9. Data Security
We maintain administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, or destruction.
Our security measures include, where appropriate:
- encryption of data in transit using TLS
- encryption of sensitive data at rest
- role-based access controls
- multi-factor authentication for administrative systems
- security monitoring and logging
- vulnerability management
- regular security assessments
- employee confidentiality obligations
- incident response procedures.
While we take reasonable measures to protect your information, no method of transmission over the Internet or electronic storage is completely secure.
10. Data Retention
We retain personal information only for as long as reasonably necessary to:
- provide the Services
- comply with legal and regulatory obligations
- resolve disputes
- enforce our agreements
- prevent fraud
- satisfy accounting and tax requirements.
Retention periods may vary depending on the nature of the information and applicable legal requirements.
Where information is no longer required, it will be securely deleted, anonymized, or otherwise disposed of in accordance with our internal retention policies.
11. Cookies and Similar Technologies
Our website uses cookies and similar technologies to improve user experience, ensure website functionality, analyze website performance, and support security.
Cookies may be used to:
- remember user preferences
- authenticate users
- maintain sessions
- prevent fraud
- measure website usage
- improve website performance.
Depending on your jurisdiction, you may be able to manage or disable cookies through your browser settings or through our cookie management tools.
Please note that disabling certain cookies may affect the functionality of the Services.
12. Marketing Communications
Where permitted by applicable law, we may send promotional communications regarding our Services.
You may opt out of receiving marketing communications at any time by:
- clicking the unsubscribe link included in our emails
- contacting our customer support team.
Even if you opt out of marketing communications, we may continue to send important service-related or legally required notices.
13. Your Privacy Rights
Depending on your jurisdiction, you may have rights regarding your personal information, including the right to:
- request access to your personal information
- request correction of inaccurate information
- request deletion of information where permitted by law
- request restriction of certain processing activities
- object to certain processing activities
- request portability of your personal information where applicable
- withdraw consent where processing is based on consent
- lodge a complaint with the applicable privacy regulator.
We may request additional information to verify your identity before responding to your request.
14. Exercising Your Rights
Requests relating to your personal information may be submitted by contacting:
Email: card@pinkwallet.com
We will respond within the time required by applicable law.
Certain requests may be limited where we are legally required to retain information or where another lawful exemption applies.
15. Children's Privacy
The Services are intended for individuals who have reached the age of majority in their applicable jurisdiction or who are otherwise legally permitted to enter into binding agreements.
We do not knowingly collect personal information from children under the age required by applicable law to use our Services.
If we become aware that we have collected personal information from a child without appropriate authorization where required, we will take reasonable steps to delete such information unless we are legally required to retain it.
Parents or legal guardians who believe that a child has provided personal information to us may contact us using the details set out in this Privacy Policy.
16. Automated Decision-Making
To protect our customers, comply with legal obligations, and safeguard the integrity of our Services, we may use automated systems to support decisions relating to:
- identity verification
- fraud detection
- sanctions screening
- transaction monitoring
- account security
- risk assessment.
These systems may flag transactions or accounts for additional review.
Where required by applicable law, users may request further information regarding significant decisions that are based solely on automated processing, subject to legal and operational limitations.
17. Fraud Prevention and Financial Crime Monitoring
Protecting customers and the financial system is an important part of our business.
We may process personal information for the purposes of:
- detecting and preventing fraud
- identifying suspicious transactions
- complying with anti-money laundering and counter-terrorist financing obligations
- preventing unauthorized access to accounts
- complying with sanctions and other financial crime regulations
- protecting our users, business partners, and payment networks.
Where required by law, suspicious activity may be reported to competent regulatory or law enforcement authorities.
18. Third-Party Websites and Services
Our website or Services may contain links to third-party websites, applications, or services.
We are not responsible for the privacy practices, security, or content of third-party websites or services.
We encourage you to review the privacy policies of any third-party services you access.
19. Data Breach Response
We maintain incident response procedures designed to identify, investigate, contain, and remediate security incidents.
Where required by applicable law, we will notify affected individuals and competent regulatory authorities of eligible personal information breaches within the timeframes prescribed by law.
We also maintain internal procedures for documenting, investigating, and responding to security incidents.
20. International Compliance
We strive to comply with applicable privacy and data protection laws in the jurisdictions where we operate, including, where applicable:
- Canada's Personal Information Protection and Electronic Documents Act (PIPEDA)
- British Columbia's Personal Information Protection Act (PIPA)
- the European Union General Data Protection Regulation (GDPR)
- the United Kingdom GDPR and Data Protection Act 2018
- other applicable privacy and consumer protection laws.
Nothing in this Privacy Policy is intended to reduce any mandatory rights that you may have under applicable law.
21. Cross-Border Regulatory Cooperation
Where required by applicable law or by our payment, banking, or regulatory partners, personal information may be disclosed to competent authorities for purposes including:
- regulatory supervision
- anti-money laundering compliance
- sanctions enforcement
- fraud investigations
- payment dispute resolution
- legal proceedings.
Such disclosures will be limited to what is reasonably necessary or legally required.
22. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect:
- changes to our Services
- legal or regulatory developments
- improvements to our security practices
- changes in technology or business operations.
Where changes are material, we will provide reasonable notice through our website, application, or other appropriate communication channels before the updated Privacy Policy becomes effective, unless immediate changes are required by law.
The "Last Updated" date at the beginning of this Privacy Policy indicates when it was most recently revised.
23. Contact Us
If you have any questions about this Privacy Policy or our handling of personal information, you may contact us:
PINK WALLET TECHNOLOGY INC.
Website: https://pinkcard.app
Customer Support: card@pinkwallet.com
Privacy Contact: card@pinkwallet.com
24. Complaints
If you believe that we have not handled your personal information in accordance with applicable law, you may contact us using the details above.
We will review your complaint in good faith and respond within a reasonable period, or within any applicable statutory timeframe.
Where permitted by applicable law, you may also have the right to lodge a complaint with the relevant privacy regulator in your jurisdiction.
25. Language
This Privacy Policy may be made available in multiple languages.
In the event of any inconsistency between different language versions, the English version shall prevail, unless otherwise required by applicable law.