Privacy Policy

This Privacy Policy for Untitled Financials, Inc. (“Hypercard”, “we”, “us” “our”) describes how we collect, use and disclose information about users of our website (www.hypercard.com and any other website where this Privacy Policy is posted) (the “Site”), applications, services, tools and features (collectively, the “Services”).For the purposes of this Privacy Policy, “you”and “your” means you as the user of the Services. Please note that the Services are designed for users in the United States only and are not intended for users located outside the United States.

Please read this Privacy Policy carefully. By using the Services, you agree to this Privacy Policy and its terms. If you do not agree to this Privacy Policy, please do not use or access any of the Services.

We may modify this Privacy Policy, in which case we will update the “Last Revised” date. If we make material changes to the way we use information we collect, we will use commercially reasonable efforts to notify you and will take additional steps as required by applicable law. If you do not agree to any updates to this Privacy Policy, please do not use or access any of the Services.

When you use or access the Services, we may collect certain categories of information about you from a variety of sources. Some features of the Services may require you to enter information about yourself. You may decide not to provide this information, but doing so may prevent you from using or accessing these features.Information that you directly submit through our Services may include:

Basic contact details, such as your name, address, phone number and email address. We collect this information to create and maintain your account, provide you with products, communicate with you (including to tell you about products that may be of interest to you) and respond to your queries.

Account information, such as your username, password, security questions that you select and the answers you provide. We collect this information to create, maintain and secure your account with us. If you choose to register an account, you are responsible for keeping your account credentials safe. Do not share your access details with anyone else.

Information relating to your application for and use of the Services, such as your birthday, information about your employment, income, Social Security number, program eligibility, financial account history, credit/debit card information, information about your transactions and reward redemptions, account balances and payment history. We collect this information to verify your identity and program eligibility, complete and verify transactions, assess credit risk, process invitations to apply for increased credit limits, identify possible fraud, facilitate your engagement with the Services and personalize your experience.

Payment information, such as your bank account information and other financial information such as routing number. We collect this information to help process your payments and provide you with products and services you request.Information relating to your visit to our Site or use of our mobile application, including information that you submit when interacting with the Site’s and mobile application’s features and webforms and information collected via cookies and tracking technologies (“Tracking Technologies”), as described further below.

Applicant details, such as information included in your resume, your education and employment history, your references and other information you provide us. We collect this information to evaluate your candidacy and process your application for employment.

Any other information you choose to include in communications with us.

We may also collect certain information about your interaction with the Services (“Usage Data”)through Tracking Technologies, which we use to tailor features and content to you, provide you with offers or promotions, run analytics and better understand user interaction with the Services:

Device information, such as unique device identifier, IP address, device type, browser type, operating system, and precise location (if you choose to provide it).

Online activity data, such as date and time stamps and log data.

Other information, regarding your interaction with the Services, such as clickstream data and ad impressions.

We may also obtain information about you from outside sources, which we use to verify your identity and eligibility for the Services, provide you with products (including certain offers and rewards), and personalize your experience, including from:

Your employer. For example, your employer may provide us with your name and contact information.

Third parties who help us process or supplement the information you or your employer has provided, such as credit bureaus, other financial institutions, payment networks and merchants.

Other sources, such as social media platforms and other publicly available sources.

Any information we receive from outside sources will be treated in accordance with this Privacy Policy. We are not responsible or liable for the accuracy of the information provided to us by third parties and are not responsible for any third party’s policies or practices. See Section 5 below for more information.

We may also use any of the above information to provide you with the Services, monitor and analyze trends, conduct internal research and development, comply with applicable legal obligations, to enforce any applicable terms of service, and to protect the Services, our rights, and the rights of our users or others.Please read this Privacy Policy carefully. By using the Services, you agree to this Privacy Policy and its terms. If you do not agree to this Privacy Policy, please do not use or access any of the Services.

We may share your information with third parties, including with:

Your employer or other organization who authorized you to obtain access to our Services, and other third parties with whom they ask us to share information, such as HR or expense management vendors.

Vendors or other service providers who help us provide the Services, including for cloud storage, security, customer relationship management, marketing communications, web analytics, payment networks and payment processors.

Other financial institutions, including underwriters, credit card companies, their partner organizations and contractual partners

Other third parties related to your transactions or the Services, or as necessary for us to provide the Services, such as credit bureaus and merchants.

We may also share your information to comply with applicable law or any obligations thereunder, in connection with an asset sale, merger, bankruptcy, or other business transaction, to comply with applicable terms of service, to ensure the safety of Hypercard and/or its users, within our corporate group, with professional advisors such as auditors, law firms, and accounting firms, or when you request or direct us to share information.

Most browsers accept cookies automatically, but you may be able to control the way in which your devices permit the use of Tracking Technologies. If you choose, you may block or delete our cookies from your browser; however, blocking or deleting cookies may cause some of the Services to work incorrectly. To opt out of tracking by Google Analytics, click here.

Your browser settings may allow you to transmit a “Do Not Track” signal when you visit websites. Like many websites, our Site is not designed to respond to “Do Not Track” signals received from browsers. To learn more about “Do Not Track” signals, you can visit http://www.allaboutdnt.com/.

We may provide links to third party websites or platforms. If you follow links to sites not affiliated with us, you should review their policies and other terms. We are not responsible for the privacy, security, or information found on these sites. Information you provide on public or semi-public venues such as third-party social networking platforms may also be viewable by other users of the Services and/or users of those third-party online platforms without limitation as to its use. Our inclusion of such links does not, by itself, imply any endorsement of the content on such platforms or of their owners or operators.Please read this Privacy Policy carefully. By using the Services, you agree to this Privacy Policy and its terms. If you do not agree to this Privacy Policy, please do not use or access any of the Services.

Despite our reasonable efforts to protect your information, no security measures are impenetrable, and we cannot guarantee“perfect security.” Any information you send to us electronically, while using the Services or otherwise interacting with us, may not be secure while in transit. We recommend that you do not use unsecure channels to send us sensitive or confidential information.

Please read this Privacy Policy carefully. By using the Services, you agree to this Privacy Policy and its terms. If you do not agree to this Privacy Policy, please do not use or access any of the Services.

Should you have any questions about our privacy practices or this Privacy Policy, please email us at marc@hypercard.com or mail us at 31 E 31st, 3E, NY, NYC, 10016.