AppCard Inc. Privacy Policy

This Privacy Policy is designed to inform users of the policies and procedures of AppCard Solutions, Inc. ("AppCard" "we", "our" or "us") on the collection, use and disclosure of your information on (the "Website") and the services, features, content or applications we offer through our products directly to you (collectively with the Website, Transceiver, Plastic Card and Smartphone App (each as defined below) the "Service"). We receive information about you from various sources, including: (i) if you register for the Website and/or the Service, through your user account on the Service (your "Account"); (ii) your use of the Services through the AppCard transceiver ("Transceiver") and/or a AppCard mobile application ("Smartphone App") and/or AppCard plastic card ("Plastic Card"; and (iii) engaging in loyalty programs ("Programs") offered by AppCard merchant partners (each a "Merchant") in connection with the Service, and/or (iv) from third party websites and services. When you use the Service, you are consenting to the collection, transfer, manipulation, storage, disclosure and other uses of your information as described in this Privacy Policy. BY ACCESSING OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THIS PRIVACY POLICY AND OUR WEBSITE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.

Important AppCard Privacy Guideline

At AppCard we recognize the importance of your personal privacy. Except as disclosed in this Privacy Policy or as otherwise authorized by you, we will never share your email address, telephone number, or mailing address with a third party for their marketing purposes.

What information do we collect?

The information we gather enables us to personalize, improve and continue to operate the Service. In connection with certain aspects of the Service, we may request, collect and/or display some of your Personal Information (as defined below). We collect the following types of information from our users.

Personal Information

AppCard collects some personally identifiable information in connection with the Service. When you sign up to create an Account, swipe your Plastic Card, use your SmartPhone App or the Website, provide your phone number at a Merchant location, redeem cash-backs with AppCard or otherwise engage in a loyalty program, submit content to AppCard, complete a survey, send us feedback, request information about the Service, apply for a job or signup for special offers from third parties, AppCard may collect personally identifiable information from you, such as your email address, first and last name, mailing address, telephone number, and other informational that personally identifies you(collectively, "Personal Information"). You do not have to provide Personal Information to AppCard, but you may not be able to take advantage of some or all the features of the Service if you do not. You acknowledge that this information may be personal to you, and by creating an account on the Service and providing Personal Information to us, you allow us (and others to the extent permitted under this Privacy Policy) to identify you. We may use your contact information to send you information about our Service. You may unsubscribe from these messages through your Account settings, although we, nonetheless, reserve the right to contact you when we believe it is necessary, such as for Account recovery purposes.

Web Tracking Information and other Non-Personally Identifiable Information

AppCard and its third party service providers may use web tracking technologies, such as cookies, web beacons, pixel tags and clear GIFs, to collect data related to usage of the Service, the Programs and web and email marketing conducted by or on behalf of AppCard. Such data may include the address of the websites you visited before and after you visited the Service, the type of browser you are using, your Internet Protocol (IP) address, what pages in the Service you visit and what links you clicked on (collectively, "Web Tracking Information"). In order to collect Web Tracking Information and to make your use of the Service more efficient, we may store cookies on your computer. AppCard and third party contractors engaged to provide services on behalf of AppCard ("Contractors") may also use web tracking technologies that are placed in web pages on the Service or in email communications to collect information about actions that users take when they interact with the Service or such email communications. Web Tracking Information is not correlated by AppCard to individual users. However, some Web Tracking Information may include data, such as IP address data, that is unique to your computer. You may be able to modify your browser settings to alter which web tracking technologies are permitted when you use the Service, but this may affect the performance of the Service. Please be advised that certain third parties that are beyond the scope of this Privacy Policy, such as advertisers, may collect Web Tracking Information in connection with the Service. AppCard is not responsible for the acts or omissions of such third parties.

In addition to Web Tracking Information, we may also have access to certain other types of non-personally identifiable information. For example, when you use or register for the Service you may provide to us, or we may otherwise have access to, demographic information, information relating to gender, marital status, date of birth, purchase history, and other categories of information that do not specifically identify you (collectively, with the Web Tracking Information, "Non-Personally Identifiable Information").

AppCard usage of the Information received/collected

Personal Information: We will use and store Personal Information to deliver the Service to you, to allow Merchants to accept AppCard as a loyalty program identifier, to redeem cash-backs, to deliver Program information to you (as applicable), to market the Service and other products or services that may to be interest to you, to improve our products and services, and for the internal operational and administrative purposes of the Service.

Aggregate Information: We will also use Personal Information and Web Tracking Information, and other information (including information from online and offline third party sources) to create aggregated data for analytical and other purposes. This aggregate statistical information does not contain any information in a form that specifically identifies you. It is used in a variety of ways, including to allow us to understand our customer base and to better serve our market.

Non-Personally Identifiable Information: AppCard may freely use Web Tracking Information and other Non-Personally Identifiable Information in connection with Service, including: to administer the Service, to understand how well our Service is working, to market the Service and other products and services, to develop aggregate, statistical information on usage of the Service and to generally improve the Service. For example, this information allows us to determine which features visitors like best to help us improve our Service, personalize your user experience, target marketing efforts, and measure overall effectiveness.

Email Communications: If you create an account and provide your email address, we will send you administrative and promotional emails. If you wish to opt out of promotional emails, you may do so by following the "unsubscribe" instructions in the email, or by editing your account settings. All users receive administrative emails. If you wish to opt out of administrative emails, you must delete your account entirely and cease use of the Service.

Text Message/SMS Communications: If you create an account and provide your telephone number, we will send you administrative and promotional text messages. If you wish to opt out of promotional text messages, you may do so by following the "opt-out" instructions in the text message, or by editing your account.

What information do we share with third parties?

Personal Information: AppCard does not disclose your email address, telephone number and mailing address to any third party for marketing purposes. Except as otherwise provided under this Privacy Policy, AppCard will disclose your Personal Information to third parties only in the following limited circumstances:

  1. if you use the Service, we may disclose your Personal Information to the associated Merchants (e.g., Merchants associated with the Programs you join) to facilitate the operation of the Programs and for other purposes dictated by the Merchant, including marketing the products and services of the Merchant;
  2. to Contractors who are performing marketing services, delivering goods, administering promotions, analyzing data and usage of the Service, processing credit card payments, operating the Service or providing support and maintenance services for the Service, or providing customer service. We use reasonable efforts to enter into agreements with all Contractors that require Contractors to use any unaggregated Personal Information they receive only to perform services for us; and
  3. when we have your consent to otherwise share the information.

Non-Personally Identifiable Information: We may disclose Web Tracking Information and other Non-Personally Identifiable Information to third party advertisers and advertising agencies, Merchants, Contractors, and other parties in order for AppCard and such third parties to analyze the performance of the Service and the behavior of users, to operate and improve the Service, and to target offers to users. We may also disclose, use or publish this information for other business purposes such as promoting the Service.

Aggregate Information: Because the aggregate information we collect does not specifically identify you, it may be shared with any number of parties. For example, we may disclose anonymous, aggregated information to third parties such as potential business partners, Merchants, advertisers, and funding sources, in order to describe our business and operations.

Network Operators: Use of the Service may involve use of the services of third party telecommunications carriers and service providers (such as the services of the carrier that provides cell phone service to you). Such carriers and service providers are not AppCard's contractors, and any information that a carrier collects in connection with your use of the Service is not "Personal Information" and is not subject to this Privacy Policy. AppCard is not responsible for the acts or omissions of telecommunications carriers or service providers.

Additional Disclosures: Notwithstanding anything to the contrary in this Privacy Policy, AppCard reserves the right to use or disclose Personal Information and any other information AppCard collects in connection with the Service (a) to any successor to AppCard's business, including as a result of any merger, acquisition, asset sale or similar transaction, (b) to any corporate affiliate of AppCard whose privacy practices are substantially similar to ours, (c) to any law enforcement, judicial authority, or governmental or regulatory authority, to the extent required by law or legal process, or (d) if in AppCard's reasonable discretion, such use or disclosure is necessary to enforce or protect AppCard's legal rights or to protect third parties.

Protection for Children of Age under 13

AppCard does not knowingly collect or maintain Personal Information from persons under 13 years of age, and no part of the Service is directed at persons under 13. If you are under 13 years of age, then please do not use the Service. If AppCard learns that personally identifiable information of persons less than 13 years of age has been collected without verifiable parental consent, then AppCard will take the appropriate steps to delete this information. To make such a request, please contact us at

Is Information About Me Secure?

Your Account information will be protected by a password for your privacy and security. You need to prevent unauthorized access to your Account and Personal Information by selecting and protecting your password appropriately and limiting access to your computer and browser by signing off after you have finished accessing your Account.

We seek to protect Account information to help ensure that it is kept private; however, we cannot guarantee the security of any Account information or Personal Information. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time.

We otherwise store all of our information, including your IP address information, using industry-standard techniques. We do not guarantee or warrant that such techniques will prevent unauthorized access to information about you that we store, including Personal Information.

What Information of Mine Can I Access?

If you are a registered user, you can access information associated with your Account by logging into the Service. Registered and unregistered users can access and delete cookies through their web browser settings.

How Can I Delete My Account?

Should you ever decide to delete your Account, you may do so by emailing If you terminate your Account, any association between your Account and information we store will no longer be accessible through your Account, although we may retain archival copies of your Account information. Please note that we are not responsible for removing your Personal Information from the lists of any third party who has previously been provided your information in accordance with this Privacy Policy or your consent, such as a Merchant. You should contact such third parties directly. In addition, opt-outs on mobile devices may be device specific and we cannot at this time guarantee the success of such opt-outs due to device limitations. Any public activity on your Account prior to deletion will remain stored on our servers and will remain accessible to the public.

Direct Marketing Opt-Out Process

If you do not want your Personal Information shared with any third party who may use such information for direct marketing purposes, then you may opt-out of such disclosures by sending an email to us at Please note that if you opt-out in this manner, certain aspects of the Service may no longer be available to you.

Social Network Features and Connections

If you use features on or associated with the Service that interface with or otherwise interact with social network sites like Facebook and Twitter ("Social Network Connections"), you agree that any Personal Information obtained by us by reason of your using Social Network Connections will constitute Personal Information for the purposes of this Privacy Policy, and you consent to our use and disclosure of such information and any other information obtained from Social Network Connections in accordance with this Privacy Policy.

Communications with Us or Through the Service

Any communication or material you transmit to us by email or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, nonconfidential and nonproprietary. Except to the extent expressly covered by this policy, anything you transmit or post may be used by us for any purpose, including but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, you expressly agree that we are free to use any ideas, concepts, know-how, or techniques contained in any communication you send to us without compensation and for any purpose whatsoever, including but not limited to, developing, manufacturing and marketing products and services using such information.

You should be aware that Personal Information which you voluntarily include and transmit online in a publicly accessible blog, chat room, social media platform or otherwise online, or that you share in an open forum such as an in-person panel or survey, may be viewed and used by others without any restrictions. We are unable to control such uses of your Personal Information, and by using such services you assume the risk that the Personal Information provided by you may be viewed and used by third parties for any number of purposes.

Amendment to the Privacy Policy

We may amend this Privacy Policy from time to time. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used. If we make changes in the way we collect or use information, we will notify you by posting an announcement on the Service or sending you an email. A user is bound by any changes to the Privacy Policy when he or she uses the Service after such changes have been first posted.

If you have any questions or concerns regarding privacy using the Service, please send us a detailed message to We will make every effort to resolve your concerns.

Effective Date of this Privacy Policy: December 5, 2013