Privacy Policy

At Mallient, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit card services, mobile application, website, and related financial products.

By using Mallient's services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

We use the information we collect to:

• Process your credit card application and verify your identity
• Provide, maintain, and improve our financial services
• Process transactions and send transaction notifications
• Detect and prevent fraud, unauthorized transactions, and other illegal activities
• Comply with legal and regulatory requirements
• Communicate with you about your account and our services
• Personalize your experience and provide relevant offers
• Conduct risk assessments and credit decisioning
• Resolve disputes and troubleshoot problems
• Analyze usage trends and optimize our services

We implement industry-standard security measures to protect your personal and financial information, including:

• 256-bit SSL encryption for data transmission
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Secure data storage with encryption at rest
• Employee training on data protection and privacy
• Strict access controls and monitoring

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining the highest standards of data protection.

Depending on your location, you may have the following rights:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Opt-out of certain data processing activities and marketing communications
• Data Portability: Request a copy of your data in a portable format
• Restrict Processing: Request restriction of processing in certain circumstances

To exercise these rights, please contact us at privacy@mallient.com or through your account settings.

We use cookies, web beacons, and similar technologies to enhance your experience, analyze usage, and provide personalized services. You can control cookie preferences through your browser settings, but disabling cookies may limit certain features of our services.

We use both session cookies (which expire when you close your browser) and persistent cookies (which remain until you delete them or they expire) for various purposes including authentication, preferences, and analytics.

Our services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by us
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

To exercise these rights, contact us at privacy@mallient.com or call 1-800-MALLIENT.