Directcard™ Privacy Policy
Effective Date: 9/1/25
Introduction
Directcard, Inc. (“Directcard,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website, use our mobile application, or interact with our credit-related services (collectively, the “Services”).
SMS Communications & Consent
SMS Communications & ConsentInformation We Collect
When you opt in to receive SMS messages from us, we may collect:Your mobile phone numberYour consent to receive SMS messages (including date, time, IP address, and method of opt-in such as web form or checkbox)Message interaction data (such as delivery status, open rates where available, and responses like STOP or HELP)
How We Use SMS Data
We use your phone number and consent information to:Send you account-related messages (such as application updates, approvals, and account activity)Deliver customer support and service communicationsSend promotional and marketing messages, where permitted by law and based on your preferencesMaintain records of your consent and communication preferences for compliance and auditing purposes
How We Share SMS Data
We do not sell your phone number or SMS consent data. We may share this information only with:Service providers that help us deliver SMS messages (such as messaging platforms and telecommunications providers)Vendors that assist with customer support, analytics, or compliance monitoringRegulatory authorities or legal entities when required to comply with applicable laws, regulations, or legal processesAll third parties are required to use your information solely to provide services on our behalf and in accordance with applicable privacy and data protection laws.
Your ChoicesYou can opt out of SMS communications at any time by replying STOP to any message or contacting us directly.
1. Personal Information We Collect
We collect personal data directly from you, automatically when you use our Services, and occasionally from third parties such as credit bureaus or verification providers. Information includes identification, financial, account, device, and usage data.
2. How We Use Your Information
We use your information to process applications, manage your account, report credit activity, prevent fraud, improve user experience, and comply with legal obligations.
3. How We Share Your Information
We do not sell your personal data. We share information with trusted partners for essential functions such as transaction processing, fraud prevention, legal compliance, and service improvement.
4. Your Privacy Choices
You may opt out of marketing emails, manage cookies, and request access or corrections to your data by emailing privacy@directcard.com. We honor valid Global Privacy Control signals where applicable.
5. Security
We maintain reasonable physical, electronic, and procedural safeguards to protect your information. Despite our efforts, no security system is infallible.
6. Third-Party Links
Our website may contain links to other sites. We are not responsible for their privacy or security practices. Review their privacy policies before engaging with them.
7. Children’s Privacy
Directcard does not knowingly collect or solicit personal data from children under 13. If discovered, such data will be deleted promptly.
8. California Privacy Rights (CCPA/CPRA)
California residents have the right to know, delete, correct, and opt out of data sharing, as well as the right to non-discrimination. Requests can be submitted to privacy@directcard.com with 'California Privacy Request' in the subject line.
9. Data Retention
We retain your personal data only as long as necessary for legal, regulatory, and operational requirements.
10. Accessibility
We strive to make this Privacy Policy accessible. If you need it in another format, contact us at privacy@directcard.com.
11. Contact Us
If you have any questions about this Privacy Policy or your personal information, please contact us at: Directcard, Inc. Attn: Privacy Department 900 Sunset Blvd, West Hollywood, California, 90069 privacy@directcard.com www.directcard.com © 2025 Directcard, Inc. All Rights Reserved. Directcard™ and the Directcard logo are trademarks of Directcard, Inc