PRIVACY POLICY

Introduction

This Privacy Policy (the "Policy") sets forth the way in which CardStake LLC ("we," "us," or "our") provide access to the Interface and the methods by which we gather, utilize, store, and share data obtained from our users (each referred to as a "User", "you", or "your") via our websites, which encompass the Interface, web applications, mobile applications, and any related sites connected to them by the Interface, by us, or by our affiliates (the "Site"). This Policy also extends to all data we acquire through our Site and acquire in other ways related to products and Services, content, features, technologies, functions, and all associated websites that we may provide you access to (together with the Site, the "Services"). We encourage you to review this Policy thoroughly. Our dedication to safeguarding your privacy is demonstrated by our adherence to the provisions of this Policy.

We recognize that you might have inquiries about this Policy, which could include details about your Personal Information, the ways in which it might be gathered, and the manner in which it might be utilized. Feel free to contact us via email at admin@cardstakeus.com regarding any issues or questions related to privacy that you might have.

Our Terms of Use ("Terms") regulate all usage of our Services and, in conjunction with this Privacy Policy, form your agreement with us (the "Agreement"). If you do not agree with the terms of this Policy, please do not access our Site. Through your access to or utilization of our Services, you accept the terms of this Policy. In particular, by (i) utilizing, visiting, or accessing the Services, (ii) utilizing, accessing, setting up an account via, or buying any of the Services, and/or (iii) selecting "accept", "agree", or "OK" (or an equivalent term) in relation to any of our Terms or comparable policies, you provide your consent and agreement to be legally bound by every term and condition set forth in this Policy.

While managing the Site and delivering the Services, we might collect (and/or obtain) specific details concerning you and your actions. By this means, you grant us permission to gather and/or obtain such details for the purpose of managing the Site and delivering the Services.

Applicability

This Policy governs all information that we collect from you in relation to the Site and the provision of the Services. This Policy does not extend to information gathered by us through offline channels or any alternative methods, including via any other websites operated by us or by third parties. Within this Policy, the term "Personal Information" refers to data that can be linked to a particular individual and used to identify that individual. We exclude from the definition of Personal Information any data that has been aggregated and/or anonymized in such a manner that it no longer identifies a specific User. Personal Information may encompass the Personal Information of third parties that is included in the data you submit to us via your utilization of the Site.

Information Collection and Use

Upon accessing the Site and utilizing the Services, we gather your IP address along with typical web log data, including details such as your browser type and the pages you have viewed on our Site. Additionally, we might collect specific Geolocation Information (as defined below). Should you withhold consent for our collection of this information, it may prevent you from using the Services.

We collect information:

• Directly from you when you provide it to us.
• Automatically during your navigation of the Site, which may include usage details, IP addresses, and data obtained via cookies and other tracking technologies.
• From third parties in specific cases, including third-party providers or other networks to which you have linked your account and granted authorization for the Site to access such information.

If you create an account with us, we may collect the following information from you:

• Personal Information: This includes data that can personally identify you, including your name, postal address, residence address, email address, telephone number, date of birth, and additional demographic details such as your age, gender, hometown, and interests that you voluntarily submit to us during your registration on the Site for utilizing our Services (collectively, "Personal Information"). You are under no obligation to provide us with any Personal Information, although your decision not to do so may impede your ability to access the Services.
• Derivative Information: This includes data that our servers may automatically collect upon your access to the Site, such as your IP address, browser type, operating system, access times, and the pages you viewed immediately prior to and following your access to the Site. It may further include details regarding your internet connection, the equipment employed to access our Site, and usage metrics.
• Financial Information: Where relevant to your utilization of the Site and Services, to facilitate the processing of any fees payable to us arising from your use of the Services, we use a third-party payment processor (Stripe). We do not directly collect or store your full bank account or credit card numbers. Any payment information you provide is collected, processed, and stored by Stripe in accordance with its privacy policy. We may receive limited information from Stripe (such as the last four digits of your card, payment status, and transaction details) necessary to administer your account and transactions.
• Mobile Device Information: When accessing the Site via a mobile device, we may automatically acquire information from your mobile device about you, including details such as device type, mobile device identification number, Geolocation Information, time zone, language setting, and browser type. Additionally, if you provide it directly to us, we may collect your telephone number.
• Geolocation Information: We may collect data that specifies your location with reasonable precision derived from GPS, Wi-Fi, cell-site triangulation, or other location-based methods. Such data may be collected for purposes including fraud prevention and risk management, among others.
• Correspondence and Recordkeeping: In the event you contact us, we will maintain records and copies of your correspondence (including email addresses). We will preserve all such records for the duration mandated by applicable law.
• Data Retention: We may retain Personal Information for as long as we deem reasonably appropriate in connection with operating our Services, managing our business, complying with legal or regulatory requirements, and addressing potential disputes or claims.
• Surveys: Should you choose to engage in surveys offered through the Services, you may provide certain information, which could include Personal Information. We may retain those responses.
• Additional Information: We may collect further information from or concerning you through methods not expressly outlined herein. For instance, we may collect details associated with your interactions with our customer support team.

Children Under the Age of 18

Our Site is not intended for individuals under 18 years of age. No person under the age of 18 is permitted to submit any Personal Information to or via the Site. In the event we acquire actual knowledge that we have gathered Personal Information from an individual under 18 years of age, we will delete such information, except where we are required by law to retain it. If you suspect that we may have inadvertently or erroneously collected information from or concerning a person under 18, please reach out to us using the contact details provided below.

Use of Cookies and Other Tracking Technologies

A cookie consists of a small file that is stored on your computer's hard drive. Upon your visit to our Site or utilization of our Services, we, along with select business partners and vendors, may employ cookies and other tracking technologies (collectively referred to as "Cookies"). We utilize Cookies for purposes such as identifying you as a customer, tailoring the Services, other content, and advertising, assessing the efficacy of our promotions, conducting various analytics, mitigating risks, preventing potential fraud, and encouraging trust and safety throughout our Services.

The majority of browsers are configured to accept cookies automatically. You have the option to delete or refuse cookies. Nonetheless, certain features within the Services are accessible solely through the use of Cookies. Consequently, if you opt to disable or reject Cookies, your ability to use the Services and other features may be restricted or not possible.

Certain pages on our Site may incorporate small electronic files termed web beacons (also known as clear GIFs, pixel tags, and single-pixel GIFs) that enable us, for instance, to tally the number of users who have accessed those pages and to compile other associated website statistics (such as tracking the popularity of specific website content and confirming the integrity of our systems and servers). You cannot directly opt out of web beacons. However, they may be neutralized by rejecting all cookies or by adjusting your web browser's settings to alert you whenever a cookie is presented, thereby allowing you to accept or reject cookies individually.

Do Not Track ("DNT") is an optional browser feature that enables you to indicate your preferences concerning tracking by advertisers and other third parties. You may activate or deactivate DNT by accessing the preferences or settings section of your web browser. We do not respond to DNT signals.

Collecting accurate information about you enables us to deliver a seamless, effective, and tailored experience. In particular, we may use the information gathered about you through the Site for the following purposes:

• Administering sweepstakes, promotions, and contests.
• Comparing information for accuracy and confirming it with third parties.
• Compiling anonymous statistical data and analysis for internal use or sharing with third parties.
• Contacting you about your account with us, your use of the Site and Services, and inquiries concerning the Services.
• Establishing and managing your account, including creating a personal profile for you to enhance the personalization of future visits to our Site and your usage.
• Customizing, personalizing, measuring, and enhancing our Services, along with the content and layout of our Services.
• Delivering the Services and offering customer support to you.
• Facilitating communications between Users.
• Improving the efficiency and functionality of the Site and the Services we provide to you, including:
  • Identifying security incidents, safeguarding against malicious, deceptive, fraudulent, or illegal conduct, and pursuing legal action against those responsible for such conduct.
  • Assessing interest and engagement in our Services, as well as for short-term, temporary purposes like contextual ad customization.
  • Conducting research aimed at technological advancement and demonstration.
  • Researching and developing products, services, marketing, or security measures to boost their performance, resilience, reliability, or efficiency.
  • Upgrading, refining, or augmenting our Services.
  • Creating new products and Services.
  • Maintaining internal quality assurance.
  • Authenticating your identity and mitigating fraud.
  • Debugging to detect and correct errors that hinder intended functionality.
  • Implementing our terms and policies.
  • Meeting our legal obligations, protecting your vital interests, or as necessary for the public interest.
• Accomplishing any objective for which you may supply us with your information.
• Bolstering the security of the Site and, if you disclose Geolocation Information, offering you location-based options, features, offers, advertising, search results, or other content specific to your location.
• Monitoring and evaluating usage patterns and trends to enhance your experience with the Services.
• Informing you about updates to the Services.
• Carrying out other obligations as mandated by law.
• Deterring potentially fraudulent, prohibited, or illegal activities, and enforcing our Terms of Use using risk and fraud detection tools.
• Handling transactions (including payments and refunds) and issuing notifications regarding your transactions or network activities.
• Providing and refining the Services.
• Delivering targeted advertising, coupons, newsletters, and other promotional materials related to the Services.
• Soliciting feedback, addressing disputes, recovering fees, and resolving issues.
• Addressing your questions or fulfilling requests while providing customer services.

As indicated previously, we may employ the information we collect about you to achieve any other purpose for which you provide it to us. Additionally, we may use the collected information to facilitate the display of advertisements to the target audiences of our advertisers. Although we do not reveal your Personal Information for these purposes without your consent, if you engage with or click on an advertisement, the advertiser might infer that you align with its targeting criteria.

You hereby expressly authorize us to use, disclose, and otherwise share your information as described below:

• From time to time, we may share your information with third-party companies that may provide you with information regarding products and services offered by them or their business partners. To the extent permitted under applicable law, you may have the right to restrict or prohibit the sharing and/or licensing of your Personal Information to such third parties. To exercise this right, you must submit a request by email to admin@cardstakeus.com with the subject line "Privacy Policy." We reserve the right to require information reasonably necessary to verify your identity prior to processing any such request.
• We may access, use, and disclose your information as reasonably necessary to perform our contractual obligations to you, provide customer support, and respond to your inquiries, requests, or communications relating to our Services.
• We may engage third-party service providers, contractors, and agents to perform functions on our behalf, including, without limitation, technical support, customer service, cloud hosting, data storage, analytics, and marketing assistance. These third parties may have access to your information solely for the purpose of performing such services on our behalf and in accordance with applicable confidentiality and data protection obligations.
• In our ongoing efforts to understand, operate, maintain, manage, and improve our Services, we may analyze your information in anonymized and/or aggregated form. Such information does not identify you personally. We may use and disclose anonymized or aggregated information to our affiliates, agents, business partners, promotional partners, and other third parties for lawful business purposes, including to describe our Services and operations to current or prospective partners.
• In connection with the development of our business, we may engage in transactions involving the sale, purchase, merger, reorganization, transfer, or disposition of businesses or assets. In the event of a corporate transaction, including but not limited to a merger, acquisition, sale of assets, dissolution, liquidation, bankruptcy, or similar proceeding, your information may be transferred as part of the related assets, subject to applicable law.
• To the extent permitted or required by law, we may also disclose your information:
  • (i) in response to lawful requests by public authorities, including to meet national security or law enforcement requirements;
  • (ii) as required by applicable law, regulation, court order, subpoena, or other legal process; or
  • (iii) when we believe in good faith that such disclosure is necessary or appropriate to protect our rights, property, or safety, or the rights, property, or safety of others.
• If we intend to use your information in a manner that is materially inconsistent with this Privacy Policy, we will provide notice of such intended use prior to or at the time the information is collected.

How We Protect and Store Your Information

The security of your information is important to us. We use industry-standard security measures, including encryption in transit (HTTPS), to protect your information. However, you acknowledge that no method of transmission over the Internet or method of electronic storage is completely secure. While we endeavor to protect your Personal Information through the use of reasonable administrative, technical, and physical safeguards designed to reduce the risk of unauthorized access, use, or disclosure, we cannot guarantee absolute security.

Accordingly, notwithstanding our safeguards, Personal Information may be accessed, disclosed, altered, or destroyed as a result of a breach of our administrative, managerial, or technical security measures. You are responsible for taking reasonable steps to protect your Personal Information, including maintaining the confidentiality of your account credentials and refraining from sharing your password with any third party. Any transmission of Personal Information to or through the Services is undertaken at your own risk. We are not responsible for the circumvention of any privacy settings or security measures implemented on or within the Services.

How We Share Personal Information with Other Parties

We may share your information with our business partners in order to offer you certain products, services, and promotional opportunities. In addition, we may engage third-party advertising companies to deliver advertisements when you access or use the Site. These third parties may use information regarding your visits to the Site and other websites, including information collected through cookies or similar tracking technologies, to provide advertisements for goods and services that may be of interest to you.

We do not sell Personal Information for monetary consideration. However, our use of cookies, pixels, and advertising technologies (including Google and Meta) may be considered "sharing" or "targeted advertising" under certain privacy laws. Users may have rights to opt out of such sharing where applicable.

We do not control, and are not responsible for, the data collection or information usage practices of third parties for purposes of interest-based or targeted advertising. Such third parties may, however, provide mechanisms that allow you to opt out of having your information collected or used for these purposes, subject to their respective privacy policies.

Certain Personal Information may be publicly available by nature of your use of the Services. Public information may include, without limitation, your username, profile photograph, first and last name as reflected on your profile, the month and year your account was created, and public transactions in which you have participated. Public information may be viewed by any individual, regardless of whether they maintain an account with us, and may be accessed, shared, or downloaded through application programming interfaces (APIs), software development kits (SDKs), or third-party services that integrate with or interact with our products. Users should be aware that any information they choose to make public on their profile or community page may be visible to other users and third parties.

We may share your personal information with:

• Law enforcement authorities, government officials, regulatory bodies, or other third parties when we are required or compelled to do so pursuant to a subpoena, court order, or similar legal process; when such disclosure is necessary to comply with applicable law or regulation; or when we reasonably believe that disclosure is necessary to prevent physical harm or financial loss, report suspected illegal activity, investigate potential violations of our Terms of Use, or otherwise protect our rights or the rights, property, or safety of others, as permitted or required by law.
• Third-party service providers who assist us in providing the Services, including, without limitation, vendors that provide fraud prevention, identity verification, payment processing, customer support, data hosting, or other similar services on our behalf or on behalf of our vendors.
• Other third parties when you have provided your consent or have directed us to do so, including when you authorize or enable a connection between your account and a third-party account, payment instrument, or platform that you own or lawfully control (each, an "Account Connection").

For purposes of this Privacy Policy, an "Account Connection" means a connection that you authorize between your account and a third-party platform, service, or payment instrument. When you authorize an Account Connection, we may exchange your Personal Information and other information directly with the applicable third party. Examples of Account Connections include, without limitation: linking your account with a social media or social messaging service; connecting your account to a third-party financial services or data aggregation provider, including where you provide such provider with your account login credentials; or using your account to initiate payments to, or permit charges by, a merchant.

If you connect your account to other financial accounts, whether directly or through a third-party service provider, we may access and receive information regarding your account balance, account details, and transaction history, including purchases and funds transfers. In addition, when you establish an Account Connection, we may receive Personal Information about you from the third party in connection with your use of that third party's services. For example, if you link your account to a social media platform, we may receive Personal Information from the social media provider through the Account Connection. Any such information received from third parties will be used in a manner consistent with this Privacy Policy.

Any Personal Information that we disclose to a third party pursuant to an Account Connection will be subject to that third party's privacy practices. You acknowledge and agree that you are responsible for reviewing the privacy notice and data handling practices of any third party before authorizing an Account Connection.

To the extent we receive any such information we will not disclose your credit card number or bank account number to any third party except with your express written consent or when required to do so pursuant to a subpoena, court order, or other applicable legal process.

Social Network Disclosures

We do not transmit your Personal Information to third-party social networking services unless you have expressly requested or authorized us to do so. If you choose to broadcast or share information through third-party social networks, such information will no longer be under our control and will be subject to the applicable terms of use and privacy policies of those third parties.

Third-Party Links and Technologies

The Services may contain links to, or otherwise permit access to, unaffiliated third-party websites, applications, or services. We do not own, control, or operate such third-party services ("Third-Party Services") and are not responsible for their content, functionality, or information collection, use, or disclosure practices. Your interactions with any Third-Party Services are governed solely by the applicable privacy policies and terms of use of those third parties. We encourage you to be aware when you leave the Services or access Third-Party Services and to review the privacy notices of any third party that collects Personal Information. Any information you provide directly to a third party is not governed by this Privacy Policy, and we do not guarantee the security, confidentiality, or privacy of such information.

In addition, third parties may use cookies, web beacons, pixel tags, or other tracking technologies, either independently or in combination, to collect information about you when you interact with our Services. Information collected by third parties may be associated with your Personal Information or may include information about your online activities over time and across multiple websites and online services. Such information may be used by third parties to deliver interest-based advertising or other targeted content.

We do not control the tracking technologies used by third parties or how such technologies may be deployed or used. If you have questions regarding any advertisement or targeted content provided by a third party, you should contact the responsible provider directly. If you no longer wish to receive communications, correspondence, or marketing materials from a third party, you are responsible for contacting that third party directly to exercise any available opt-out rights.

Third-Party Analytics and Retargeting Services

We may utilize third-party analytics providers to evaluate and analyze your use of the Services, compile reports regarding activity and events, collect demographic and usage data, assess performance metrics, and gather other information relating to the Services and to mobile and Internet usage generally. These third-party analytics providers may use cookies, pixel tags, web beacons, clear GIFs, and other similar tracking technologies to collect and analyze such information and to provide us with aggregated data and reports. Pixel tags (also known as web beacons or clear GIFs) may be used, among other purposes, to track the actions of users of the Site and recipients of our emails, measure the effectiveness of marketing campaigns, and compile statistics regarding Site usage and response rates. By accessing or using the Services, you consent, to the extent permitted under applicable law, to the collection, processing, and use of data about you by such third-party analytics providers in the manner and for the purposes described in this Privacy Policy. For additional information regarding these third parties, including available options to opt out of certain data collection practices (where offered by such providers), you should review their respective websites. Please note that if you elect to opt out of certain services or tracking technologies, you may not be able to access or use the full functionality of the Services.

Google Analytics

We may use Google Analytics, a web analytics service provided by Google, which tracks and reports website traffic. Google Analytics uses cookies and similar technologies to collect and analyze information regarding your use of the Services. The information generated about your use of the Services may be transmitted to and stored by Google and may be shared with other Google services. Google may use such data to contextualize and personalize advertisements within its advertising network. For more information regarding Google's data practices, please review Google's Privacy Policy and related data safeguarding materials available on Google's websites.

We may also engage one or more third-party retargeting or remarketing service providers to advertise our Services on third-party websites to users who have previously visited the Services. These providers may use cookies, pixel tags, and similar technologies to serve advertisements based on your prior interactions with the Site. Any data collected by such retargeting or remarketing service providers will be used in accordance with this Privacy Policy. By using the Services, you consent, to the extent permitted by applicable law, to the processing of your data by such retargeting providers. Information regarding available opt-out mechanisms for these providers may be found on their respective websites. For example, with respect to Google Ads, you may manage advertising preferences through Google's Ad Preferences page and may opt out of interest-based advertising through available cookie settings or browser-based tools.

Personal Communication Preferences

To the extent you have registered for the Services, you may access, review, update, or request deletion of your Personal Information by following the instructions provided on the Site or by submitting a written request via email to admin@cardstakeus.com with the subject line "Privacy Policy." We reserve the right to request information reasonably necessary to verify your identity before responding to or fulfilling any such request.

You may also manage your receipt of marketing and other non-transactional communications by clicking the "Unsubscribe" link included in marketing emails or by sending an email to admin@cardstakeus.com with the subject line "Unsubscribe from Marketing." Please note that registered users may not opt out of receiving transactional, operational, or administrative communications related to their account or use of the Services.

We will use commercially reasonable efforts to process communication preference requests in a timely manner and in accordance with applicable law. However, you acknowledge that it may not always be possible to completely remove or modify information within our databases.

Your Data Protection Rights

Depending on the laws applicable in your place of residence, you may be entitled to assert certain rights with respect to your Personal Information, as described below. To the extent any of the rights set forth herein are not required under applicable law for your jurisdiction or our operating entity, we reserve the right, in our sole and absolute discretion, to determine whether to provide such rights.

Your rights with respect to Personal Information are not absolute. Subject to applicable law, we may deny or limit the exercise of your rights where: (a) such denial or limitation is required or authorized by law; (b) granting the request would adversely affect the privacy or rights of another individual; (c) the request is necessary to protect our rights, property, or legitimate interests; or (d) the request is frivolous, vexatious, or otherwise improper. We may also require reasonable verification of your identity before responding to any request relating to your Personal Information.

• Right of Access: You have the right to request access to, update, or request deletion of the Personal Information we maintain about you. You may request a copy of the Personal Information contained in our databases by submitting a request via email to admin@cardstakeus.com.
• Right to Correction or Rectification: You have the right to request correction or rectification of Personal Information that is inaccurate or incomplete. To exercise this right, you must email admin@cardstakeus.com using the same email address associated with your use of the Site or your account, and include the subject line "Correction or Rectification."
• Right to Object to Processing: You have the right to object to our processing of your Personal Information by submitting a request via email to admin@cardstakeus.com using the same email address associated with your account and including the subject line "Object to Processing." Where an objection cannot be accommodated under applicable law, we will notify you accordingly, and you may then elect to exercise any other rights available under this Privacy Policy, including withdrawing your consent to the processing of your Personal Information where applicable.
• Right to Restriction of Processing: You have the right to request that we restrict the processing of your Personal Information by submitting a written request via email to admin@cardstakeus.com using the same email address associated with your account and including the subject line "Restrict Processing." Your request should specify how you would like the processing of your Personal Information to be restricted. Where such restriction is not feasible or permitted under applicable law, we will notify you accordingly, and you may elect to exercise other rights available under this Privacy Policy, including withdrawal of consent where applicable.
• Right to Withdraw Consent: Where we rely on your consent as the legal basis for processing your Personal Information, you have the right to withdraw such consent at any time. To withdraw consent, you must submit a request via email to admin@cardstakeus.com using the same email address associated with your account and include the subject line "WITHDRAW CONSENT." Upon receipt of a valid withdrawal request, we will acknowledge receipt and cease processing your Personal Information to the extent required by applicable law. Where appropriate, we will communicate such withdrawal to trusted third parties.
• Right to Erasure: You have the right to request the deletion of your Personal Information if you wish to discontinue use of the Site. To request erasure, you must submit a request via email to admin@cardstakeus.com using the same email address associated with your account and include the subject line "Erasure / Personal Data Deletion." Upon receipt of a valid request, we will confirm receipt and notify you once your Personal Information has been deleted, subject to applicable legal obligations. Where appropriate, we will ensure such deletion requests are communicated to trusted third parties.

Return or Deletion of Personal Data

Upon your request, we will make commercially reasonable efforts, subject to applicable legal, regulatory, and record-keeping obligations, to either: (i) provide you with all Personal Information processed in connection with the Services in a structured, commonly used, and machine-readable format, and delete all existing copies, including backups; or (ii) permanently delete and destroy all Personal Information processed in connection with the Services, including any materials or media containing such Personal Information, and all existing copies and backups.

Changes to This Privacy Policy

We may update this Privacy Policy at any time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this page periodically to stay informed about our information practices. By continuing to use the Services following the posting of changes, you acknowledge and agree to be bound by the revised Privacy Policy. If you do not agree with any modifications, you should immediately discontinue use of the Services.

Contact Us

If you have any questions, comments, or concerns regarding this Privacy Policy or our privacy practices, you may contact us by email at admin@cardstakeus.com.

Cardstakeus.com is operated by Cardstake LLC, an Ohio limited liability company.