Directcard™ Terms of Use

Effective Date: 9/1/25

1. Application of These Terms

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”).If you obtain a financial product or service from us (such as the Directcard credit card), your information will also be protected under our Privacy Notice, which provides additional rights and options regarding how your personal data is used and shared. We may update this Privacy Policy periodically. When we do, we’ll post the updated version here and revise the “Last Updated” date above. Your continued use of our Services after changes are posted means you accept those changes.

2. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy for information about how we collect, use, and protect your personal information. Our Privacy Policy is incorporated into these Terms by reference.

3. Accessing the Site and Services

We reserve the right to modify, suspend, or discontinue the Site or Services at any time without notice. We are not liable if the Site is unavailable for any reason. To use certain features, you may be asked to provide accurate and current information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. If you believe your account has been accessed without authorization, contact support@directcard.com immediately.

4. Use of Information and Materials

All text, images, designs, videos, trademarks, and content available on the Site (“Materials”) are the property of Directcard or its licensors. You are granted a limited, non-exclusive, non-transferable license to view and use the Site for personal purposes only. You may not modify, reproduce, distribute, or exploit any content for commercial use without our prior written consent.

5. Online Accounts

When you create a Directcard account, you agree to: (a) provide accurate and up-to-date information; (b) maintain confidentiality of your credentials; (c) accept responsibility for all activity under your account. Directcard may suspend or terminate your account if we suspect misuse, fraud, or violation of these Terms. You may close your account at any time by contacting support@directcard.com.

6. Your Communications to the Site

By sending messages, comments, or other submissions through the Site, you grant Directcard a non-exclusive, royalty-free, worldwide license to use, display, or reproduce that content for operational and support purposes. You represent that you own or have permission to share such content.

7. Electronic Communications

By using our Site and Services, you consent to receive electronic communications from Directcard, including legal notices, disclosures, account information, and promotional materials. You may withdraw your consent by contacting us, but doing so may limit your ability to use certain services.

8. Permitted Uses

You agree to use the Site only for lawful purposes. You must not: interfere with the Site’s operation or security, upload viruses or malicious code, attempt to access restricted areas, misrepresent your identity, or engage in fraudulent activity. We may suspend access or report unlawful use to authorities when appropriate.

9. Reliance on Information Posted

All content provided through the Site is for general informational purposes only and may change without notice. Directcard makes no guarantee of accuracy, completeness, or reliability. You assume full responsibility for how you use the information.

10. Third-Party Sites

The Site may contain links to third-party websites or services. Directcard does not control or endorse third-party content and is not responsible for their privacy practices, products, or performance. Access them at your own risk.