This Privacy Policy details how BestCards collects, uses, shares, and protects your information when you use our Services. The terms “we,” “us,” and “our” refers to BestCards and associated companies. The term “Services” refers to our website https://www.bestcards.com, its subdomains, applications, widgets, and associated digital products through which this Privacy Policy has been reached and applies to. Through accessing or using our Services, you consent to the practices referred to within this Privacy Policy.
Please ensure you familiarise yourself with the below Terms of Use, as well as the Program Terms and Conditions, which are applicable when you sign up for our shopping programs and become a Member.
For further information regarding our use of cookies on our website, please visit our cookie policy.
The Personal Data We Collect – What, How, and Why
We collect, store and use your Personal Data. “Personal Data” means any information about an individual from which that person can be identified. It doesn’t include any information where your identity has been removed. When using our website, we might collect the following information about you:
- Identity Data – first name, last name, username or similar identifier, title and date of birth.
- Contact Data – billing address, home address, email address and telephone numbers.
- Financial Data – PayPal email address and payment card details.
- Transaction Data – details about purchases you have made on affiliate retail, brands, merchants, or other partners of BestCards.
- Technical Data – information automatically stored by cookies and other sessions tools such as internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
- Profile Data – your username and password, purchases you have made with our partners, your interests, preferences, feedback and reviews of our partners and products.
- Usage Data – information about how you use our website, products and services.
- Marketing and Communications Data – your preferences in receiving marketing from us and our third parties and your communication preferences.
We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.
We do not collect any special or sensitive categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
If you fail to provide personal data, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
We use different methods to collect data from and about you including through:
- Direct interactions. You may give us your Identity, Contact, Financial and Profile Data by filling in forms or by corresponding with us via email or the website. This includes personal data you provide when you:
- apply for our products or services;
- create an account on our website;
- subscribe to our service or publications;
- request marketing to be sent to you;
- enter a competition, promotion or survey; or
- give us feedback or contact us.
- Automated technologies or interactions. As you interact with our website, we will automatically collect Technical and Usage Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies. Please see our cookie policy for further details.
- Third parties or publicly available sources. We will receive personal data about you from various third parties as set out below:
- Technical Data from third party analytics providers;
- Transaction Data from BestCards partners.
We use your Personal Data only when the law allows us to. Most commonly, we will use your Personal Data in the following circumstances:
- Where we need to perform the contract we are about to enter into or have entered into with you.
- Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
- Where we need to comply with a legal obligation.
We generally don’t rely on consent as a legal basis for processing your personal data but we may ask for your consent before sending any direct marketing. If you would like to revoke consent for your Personal Data to be used for such purposes, follow the unsubscribe link included at the bottom of any material you receive through email or contact us on the email below.
We will use your Personal Data for the following purposes:
- registering and managing your account profile;
- providing you with other products and services that you have requested;
- providing you with promotional items at your request and communicate with you in relation to those products and services;
- communicating and interacting with you when you contact us or provide us with feedback;
- to notify you of changes to any services;
- to improve and enhance the website and the services for you;
- to administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data);
- to deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you;
- to make suggestions and recommendations to you about goods or services that may be of interest to you.
We do not rent, sell or share your Personal Data except in the following circumstances:
- You consent to the transfer of such information.
- To enable third party service providers to assist in the services we provide to you.
- In legal matters such as the response to subpoenas, court orders, legal processes, exercising legal rights, defending against legal claims, or any other situation as required by law.
- Investigating, preventing or acting against illegal activity, suspected fraud, threats against the safety of any person, violation of our terms, or any agreement with us.
- We sell any or all company assets to a third party, in which case we reserve the right to transfer collected information to that party. Your Personal Data may then be transferred to the new company and becomes subject to their Privacy Policy.
We reserve the right to retain and use the Personal Data we collect as reasonably necessary to comply with our contractual obligations to you, and to comply with applicable laws, including privacy and/or data protection legislation.
Change of purposes
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
Children’s Personal Data
Our Services are not intended for anyone under the age of 18, and we do not knowingly collect information from such persons. If you are a parent or guardian whose child under 18 has provided us with personal information without your permission, please Contact Us so that we can take steps to locate and remove that information from our servers.
Third Parties
All Personal Data collected by BestCards is kept private. However, certain information may be collected by third-party services, such as payment processors, email services, or other applications. Information collected by these third-party services is subject to their privacy policy, which we are not responsible for. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information. Additionally, BestCards or its third-party services may be located in a jurisdiction different from your own, and as such laws regarding privacy may vary.
Security
We go to considerable lengths to ensure the security of your Personal Data and Non-Personal Data when you use or access our Services. We enact stringent security procedures, limit data access to authorized personnel, and make use of commercial-grade hardware and software to maintain a reasonably secure environment appropriate to the nature of the information we store and process against unauthorized access, destruction, use, modification or disclosure. In the case of a data breach, we promise to both notify the suitable authorities and notify you if there is a threat to your rights or interests. By using or accessing our Services, you acknowledge and agree that no internet security procedures and systems are 100% secure, and you understand that we offer no guarantee to the absolute security of the information we collect from you.
Amendments
BestCards may amend or change this Privacy Policy at any time by making the amended terms accessible through our Services. Such a change will take effect when posted and will govern your relationship with BestCards. If you do not agree to be bound by the updated Privacy Policy, discontinue your visit and cease to use our Services.
Data retention
We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
Your legal rights
Under certain circumstances and depending on your jurisdiction of residency, you may have rights under data privacy laws in relation to your personal data, as follows:
- Right to access to your personal data – you have the right to access information or categories of information collected about you, the information or categories of information that is shared with third parties, or the specific third parties or categories of third parties to which the information is shared.
- Right to correct your personal data – you have the right to request that we correct incorrect or outdated information that we hold about you.
- Right to delete your personal data – you have the right to request that we delete incorrect or outdated information that we hold about you.
- Right to opt out of certain processing – you have the right to request that we restrict the processing of your personal data.
- Right to opt out of sales of personal data – you have the right to opt out of the sale of your personal data to third parties.
- Right to portability – you have the right to request that we disclose your personal data in a common file format.
- Right to opt in for sensitive data processing — whilst we don’t currently process any of your sensitive personal data, you have the right to opt in before we can process such data. We will let you know if we do start to collect your sensitive personal data.
What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated. If you wish to exercise any of the rights set out above, or if you have any questions about this privacy policy, please contact the Data Protection Team by email at [email protected].
Bestcards.com Terms of Use
Introduction
These Terms of Use describe the rights and obligations of all users using the BestCards website and shall be read in conjunction with the above Privacy Policy and Cookies Policy which can be found here. Additional terms apply when you sign up as a Member for our shopping Programs.
Use of Website and Services
All content found on BestCards.com, including reviews, guides, news, forums, contests, polls, and other forms of content, are provided at our discretion. Everything is subject to updates, deletions, or other modifications without notice, at any time.
The website is only available for users who are of 18 years of age, or older, who are resident in the United States and Canada. Those who are not of legal age or resident outside of the United States and Canada must not browse the provided content or use any of the available Services.
The Services
The website offers information about credit cards, store cards, airline cards, and other deals and offers available in from retailers online and in store (the “Services”).
The Services provided by the website are free and are provided for information purposes.
Website Content
The content is available for free and doesn’t require a paid subscription to access.
No information or content found within BestCards may be copied without the prior written consent of one or more of the members of BestCards, for that of commercial or non-commercial use.
Intellectual Property Rights
BestCards makes no claim of any form of relationship or ownership to any of the logos or trademarks of any credit card issuer whose credit cards may be listed throughout the website of BestCards.
The Company owns all other software, information, written materials, media files, images, pictures, videos, graphics, artwork, forms, animations, music, audio, text, and any other form of intellectual property available on the Site. (also known as “Website Content“)
The Website Content is protected by copyright law and so it is illegal to use or distribute pieces from the website without approval from the Company. By using the website, you agree with the Services and these Terms.
Your Undertakings and Representations
By being on the Website, you agree with the terms and affirm that you meet the following requirements:
- You are at least 18 years of age.
- You agree that the website is only for non-commercial use.
- You have checked and found that the use of the website and its Services are not in conflict with any regulations or laws in jurisdictions that apply to you personally.
- You abide by the Terms of Use, which can be amended at any time without notification.
- You do not use or plan on using the information found on the website for illegal purposes or for unauthorized reasons that can violate local or international laws.
- You are not impersonating any person, individual, or entity and you are using your real personal details.
- You waive the rights to participate in a trial by jury or in a class-action suit against the owning Company of the website or any of its affiliates.
In the case that you are representing a company, organization, or entity, the use of the website warrants that you: i) are properly authorized to represent the respective organization and have the needed authority; ii) have read and agreed with these Terms of Use; iii) understand the agreement made with the Company under these Terms of Use; iv) agree on behalf of the represented organization.
Third party content
BestCards is not associated with the credit cards, or the issuers of the credit cards, or any other U.S. company or organization (private, public, or governmental) that may be listed throughout the website, except for affiliate programs that advertise their products or services throughout BestCards, either through banner advertisements or direct text links.
Affiliate partners who have an advertising relationship with BestCards do not have any influence on the opinions and/or reviews posted by the members of BestCards, as all credit card products and services are given equal and unbiased evaluations. However, affiliate partners may receive additional exposure throughout various sections within the BestCards website.
User Content
Reviews and evaluations posted within BestCards by website users are based on the individual’s personal opinion and do not reflect the opinion of BestCards, or any of its members. Any serious consideration of a credit card product or service should not be based solely on the comments or opinions posted within BestCards.
Though BestCards regularly monitors all posted messages for abusive or inappropriate content, it is not responsible for the opinions, evaluations, or reviews posted by Internet users.
Links to External Third Party Web Sites
BestCards at any time may contain links to other websites throughout the Internet. Any links to such sites are operated and/or owned by third parties. BestCards may not be held liable for any inaccuracies of these links, availability of information, and/or the content of information that may be found in the third party website(s).
Freedom From Errors
Every effort has been taken to make sure that all information is accurate within BestCards, but there is no guarantee and/or warranty to the accuracy of any information found within the website. Contact information has been provided for credit card companies and issuers for viewers of the website. This information is believed to be accurate at the time of publishing, but BestCards will not be held liable for any inaccuracies.
Disclaimer of Warranties
The use of the website means that you completely understand and agree to the following:
- Using the website, the Services and the content provided is done at your own risk and discretion.
- BestCards does not offer any guarantees or warranties that: i) the Website Content is what you want or that it is available uninterrupted, securely, timely, or error-free; ii) the results, services, or content will always be accurate or reliable; iii) the quality of the products, services, content, information, or other services transmitted through the website will meet customer expectation.
- Any and all materials downloaded or obtained otherwise via the website or Services is done at your own risk and discretion. Additionally, you are responsible for damage that may occur to the computer system or loss of data as a result of such activities.
- Nothing featured on the website presents a warranty or guarantee unless this is expressly mentioned in the Terms of Use.
Limitation of Liability
You understand that by using the BestCards website, the Company is not and will not be liable or responsible for any damages that may occur directly, indirectly, incidentally, consequentially, or in other special conditions. This includes the damages that may result from the loss of data, profits, goodwill, or other intangible elements.
You agree that the Company and its affiliates are not liable for the modification, suspension or discontinuance of the Services or of the website in full.
The website is not responsible for the content available on Third Party websites that are linked to from articles found on the Site.
Indemnity
By using the website, you agree that you must indemnify and defend BestCards, its directors, partners, employees, affiliates, and other related agents or entities. This includes covering reasonable attorney fees that may occur from any and all messages or other information transmitted, posted, or submitted to the Site as a violation to the Terms of Use.
Final Notation
BestCards may suspend, change, or stop the service, or any aspect of the website (i.e. internal web pages), at any time during operation, including but not limited to, any database, message boards, email addresses, or other content without any prior notification or liability. This agreement may also be changed or modified by BestCards at any time while the website is active. By using the website, you are bound to the terms and conditions set forth within. Once the terms and conditions can no longer be accepted, access to the BestCards website, should no longer be obtained.
If you do not find the answer you are looking for, please do not hesitate to contact us.