Privacy Policy

Global Privacy Policy

Latest Update: January 19th, 2024

ACX Card (defined below under ‘our entities and relationship to you’) is committed to protecting the privacy of visitors to our websites and our partners. This Privacy Policy describes how we handle your personal data when you access our services, any other websites, pages, features, or content we own or operate (collectively, the ‘Site(s)’), or any ACX Card Application Programming Interface or third-party applications relying on such an API, and related services (collectively, the ‘Services’).

Contact Us

If you have any questions about this Privacy Policy, you can contact us:

• By email: support@acx-tech.com
• By visiting this page on our website: www.acx-tech.com

1. Our Entities

• ACX Card operates through Neu Fintek Limited (‘ACX Card’, ‘we’, ‘us’, ‘our’) in order to provide Services to our customers.
• We may share your personal data with other entities and use it in accordance with this Privacy Policy.

2. Collecting and Using Your Personal Data

2.1 Types of Data Collected

2.1.1 Personal Data

Personal data means any data which relates to a living individual who can be identified from that data, or from that data and other information which is in the possession of, or is likely to come into the possession of, Neu Fintek (or its representatives or service providers). In addition to factual information, it includes any expression of opinion about an individual and any indication of the intentions of Neu Fintek or any other person in respect of an individual. The definition of personal data depends on the relevant law applicable to your physical location.

2.1.2 Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as your device’s IP address, browser type and version, the pages you visit, time and date of your visit, time spent, unique device identifiers and other diagnostic data.

When you access the Service via a mobile device, we may collect device type, unique device ID, IP address, operating system, browser type, unique device identifiers and other diagnostic data. We may also collect information sent by your browser when you visit our Service.

2.1.3 Data from Third Parties

This includes information ACX Card may obtain about you from third-party sources. The main types of third parties we receive data from are:

• Public databases, credit bureaus & ID verification partners to verify identity in accordance with law (e.g., name, address, job role, public profile, credit history, sanctions status).
• Blockchain data to ensure users are not engaged in illegal or prohibited activity and to analyze transaction trends for research and development.
• Marketing partners & resellers to better understand which Services may interest you.
• Your financial service providers (e.g., if you send funds from your bank, your bank provides identifying information needed to complete the transaction).

2.1.4 Tracking Technologies and Cookies

We use cookies and similar tracking technologies (beacons, tags, scripts) to collect and track information and to improve and analyze our Service.

Cookies or Browser Cookies

A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or indicate when a cookie is being sent. If you do not accept cookies, you may not be able to use some parts of our Service. Unless you have adjusted your browser setting, our Service may use cookies.

Web Beacons

Certain sections of our Service and our emails may contain small electronic files known as web beacons (clear gifs, pixel tags, single-pixel gifs) that allow us, for example, to count users who visited pages or opened an email and for other related statistics.

2.2 Use of Your Personal Data

2.2.1 How We Use Your Personal Data

• To provide and maintain our Service, including monitoring usage.
• To maintain legal and regulatory compliance (e.g., AML and security laws), and to help detect, prevent and mitigate fraud, abuse, account compromise or loss of funds.
• For the performance of a contract related to products or services you have purchased, or any other contract with us.
• To contact you via email, calls, SMS, or other electronic communications for service updates, account/security notices or other transaction-related information (you cannot opt out of critical service communications).
• To provide communications and customer services, including marketing communications according to your preferences and applicable law (you may opt out of marketing emails).
• To resolve questions, disputes, or troubleshoot problems and ensure uninterrupted use of the Services.
• For business transfers, including evaluating or conducting mergers, restructurings, asset sales or similar transactions where personal data may be part of the transferred assets.
• For other purposes such as data analysis, usage trends, measuring campaign effectiveness, and improving our products, services, marketing and user experience.

2.2.2 Disclosing Your Personal Data to Third Parties

• With service providers to monitor and analyze Service usage, and to contact you (subject to contractual restrictions).
• With affiliates; we require them to honor this Privacy Policy.
• With business partners to offer certain products, services or promotions, including financial institutions that process payments you authorize.
• With other users when you share data publicly or interact in public areas; such information may be viewed by all users.
• Business transfers: in the event of a merger, acquisition or asset sale, we may transfer personal data with prior notice.
• Law enforcement: we may disclose personal data if required by law or in response to valid requests by public authorities.
• Other legal requirements: to comply with legal obligations; protect and defend rights or property; prevent or investigate wrongdoing; protect personal safety; protect against legal liability.
• With your consent: we may disclose your personal data for any other purpose with your consent.

3. Transfer of Your Personal Data

Your personal data may be processed and stored in locations outside your jurisdiction. Laws may differ from those in your region.

Your consent to this Privacy Policy followed by submitting information represents your agreement to such transfer.

We take steps reasonably necessary to ensure transfers occur with appropriate safeguards and security in accordance with this Privacy Policy.

4. Retention of Your Personal Data

We retain personal data only as long as necessary for the purposes described, including to comply with legal obligations, resolve disputes and enforce agreements.

We retain usage data for shorter periods unless used to strengthen security or improve functionality, or when legally required to retain for longer.

5. Security of Your Personal Data

No method of transmission over the Internet or electronic storage is 100% secure. We strive to protect your personal data but cannot guarantee absolute security.

We implement reasonable measures and safeguards proportionate to sensitivity, restrict access to systems, and limit physical access to authorized personnel.

We may store and process your personal and transactional data (including certain payment data) wherever we or our providers operate, with safeguards as required by applicable law.

You also play a vital role: do not reveal personal data to third parties and notify us immediately of any unauthorized access or use of your account.

6. Children’s Personal Data

We do not knowingly collect personal data from persons under 18. If we suspect a user is under 18, we will require account closure and delete data as soon as possible.

7. Cross Border Transfers

As an international business we may transfer personal information to locations outside your country (e.g., Asia, EU, UK, North America) in compliance with applicable data protection law.

8. Your Privacy Rights

Depending on your jurisdiction, you may assert certain rights related to personal data:

• Right to obtain information and access personal data we hold about you.
• Right to withdraw consent at any time where processing is based on consent (we may still process data if we have another legal basis).
• In some circumstances, right to receive data in a portable format and/or request transfer to a third party where technically feasible.
• Right to request rectification of inaccurate or incomplete data.
• Right to request erasure in certain circumstances (subject to legal retention obligations).
• Right to object to or request restriction of processing in certain circumstances (we may be legally entitled to refuse).
• Right to lodge a complaint with the relevant data protection regulator.

You can exercise your rights by contacting support@acx-tech.com. Further information may be obtained from your local supervisory authority.

9. Links to Other Websites

Our Service may contain links to other websites not operated by ACX Card. We strongly advise you to review the privacy policies of every site you visit.

ACX Card has no control over and assumes no responsibility for the content, privacy policies or practices of third-party sites or services.