Privacy Policy and Privacy Notice

Last Updated: June 19, 2025

Overview

This Privacy Policy describes how Cardless, Inc., subsidiaries, vendors, and other third parties acting on our behalf (collectively, "Cardless") collect, protect, use, and store your personal information. By using our services, you consent to our processing of your Personal Information as set forth in this Privacy Policy.

Information Cardless Collects

Information We Often Request

The types of Personal Information we collect depend on the products and services you use:

• Your contact information such as name, address, phone, and email.
• Information to verify your identity such as date of birth and Social Security number.
• Educational information such as college, major, and test scores.
• Payment processing information, including bank account numbers.
• Information about your income and/or assets.
• Usage data from your interactions with our site.

Information You Provide Upon Registration

If you apply for a Cardless credit card or access certain services, you may need to submit Personal Information, including:

• Full name
• Email address
• Mailing address
• Date of birth

Information Cardless Learns From Your Use

We collect information from your devices, which may include:

• IP address
• Device information
• Usage history and transaction details

Cookies and Tracking Technologies

We use cookies and similar technologies to collect Site usage data and improve our Services. Cookies help in understanding how users interact with our site.

Payment Information

We may collect payment information such as valid credit card numbers, which is processed by a third-party Payment Processor. The use of that information is governed by the Payment Processor’s privacy policy.

How Cardless Uses Your Information

Cardless may use your Personal Information to:

• Provide and improve our Services.
• Process transactions and send related information.
• Verify your identity and prevent fraud.
• Communicate with you about products, services, and offers.

When Cardless Discloses Your Information

Certain circumstances allow us to disclose your Personal Information:

• To service providers fulfilling functions on our behalf.
• To comply with legal obligations.
• For business transfers such as mergers or acquisitions.

Accessing Your Information

You can review and edit your Personal Information at any time by logging into your account on the Site or contacting us directly.

Children’s Online Privacy Protection Rule (COPPA)

This Site is intended for an adult audience and is not meant for children. Cardless does not knowingly collect information from children under 13.

European Union General Data Protection Regulation (EU GDPR)

Cardless accepts applicants for credit but only issues cards to residents of the U.S. and its territories.

How Cardless Protects Your Information

Cardless implements reasonable security measures to protect your information, which include:

• Physical, electronic, and procedural safeguards.
• Access to Personal Information is limited to employees who need it for their job responsibilities.

Third-Party Links

Our Services may contain links to other websites. We do not endorse or control these third-party websites and recommend reviewing their privacy policies.

Contact Information

For questions or concerns regarding this Privacy Policy, please contact us at privacy@cardless.com or call 1-888-227-3537.