Muddam Brothers Inc. Privacy Policy

Effective Date: 16.12.2024

At Muddam Brothers Inc., we value your trust and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your personal data when you use our co-branded credit card services. By using our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect information from you to provide our services effectively and to comply with legal and regulatory requirements.

1.1 Personal Information

We collect personal information during the application process and throughout your use of the CryxCard. This includes, but is not limited to:

• Your full name, mailing address, email address, and phone number.
• Your date of birth, Social Insurance Number (if required for credit reporting), and other identification details.
• Financial information necessary for the credit application process, including income details and your credit score. 

1.2 Transaction Data

We collect details about your card transactions to process payments, calculate rewards, and ensure the proper functioning of our services. This includes:

• Details of purchases made using the CryxCard, including transaction amounts and merchant information.
• Cashback rewards earned and redeemed.
• Location and time of transactions, if applicable.

1.3 Technical Data

We collect technical information to improve security and user experience. This may include:

Your IP address and device information, such as browser type and operating system.

Usage patterns and interaction data with our website or mobile application for fraud prevention and analytics purposes.

 

2. How We Use Your Information

Your information is used to provide, manage, and enhance our services while ensuring compliance with legal requirements.

2.1 Card Services

We use your information to process transactions made with the CryxCard, manage your instant cashback rewards, and provide you with updates regarding your account.

2.2 Compliance and Security

We are committed to complying with Canadian financial and privacy regulations. Your data is used to:

• Verify your identity during the application process.
• Detect and prevent fraudulent activity.
• Comply with applicable laws and regulatory requirements, including credit reporting.

2.3 Communication

We use your contact information to:

• Send account-related notifications, including billing statements and transaction alerts.
• Inform you about promotions, rewards updates, and new services.
• Respond to your inquiries or requests for assistance.

 

3. Sharing Your Information

We only share your information with trusted partners to provide and improve our services. We do not sell your personal information to third parties.

3.1 With the Issuing Bank

Your personal and financial information is shared with our partnered issuing bank to facilitate the approval, issuance, and servicing of your CryxCard. The issuing bank handles your data in accordance with its own privacy and regulatory obligations.3.2 With Service Providers

We may share your data with third-party service providers who assist us in operating our business. These providers may help us with:

• Rewards program management.
• Transaction processing and customer support.
• Data storage, analytics, and fraud prevention.

3.3 Legal Obligations

We may disclose your information when required by law, such as to comply with legal processes, enforce our terms and conditions, or protect the rights, property, or safety of Muddam Brothers Inc., our customers, or others 

4. Data Security

We take your privacy and data security seriously. We have implemented industry-standard security measures to protect your information from unauthorized access, use, or disclosure. These measures include:

• Encryption of sensitive data during transmission and storage.
• Regular security audits and system updates to address potential vulnerabilities.
• Access controls to ensure that only authorized personnel can access your information.

5. Your Rights

We respect your rights to control your personal data and provide options for accessing, correcting, and managing your information.

5.1 Access and Updates

You have the right to request access to the personal information we hold about you. You may also request corrections to any inaccuracies in your data by contacting us.

5.2 Opt-Out of Marketing

If you prefer not to receive promotional emails or communications from us, you can opt-out at any time by clicking the unsubscribe link in our emails or contacting our support team.

5.3 Withdrawal of Consent

You may withdraw your consent to the collection and use of your information, subject to legal or contractual restrictions. Please note that withdrawing consent may limit our ability to provide services to you.

6. Retention of Data

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Once the retention period ends, we securely delete or anonymize your data.

7. Changes to This Policy

Muddam Brothers Inc. reserves the right to update this Privacy Policy to reflect changes in our practices, services, or legal obligations. Any changes will be communicated via email or posted on our website. Continued use of our services after such changes signifies your acceptance of the updated Privacy Policy.

8. Contact Us

If you have questions, concerns, or requests regarding your personal information or this Privacy Policy, please contact us:

 

Muddam Brothers Inc.

7,Georgina Gate

Scarborough, Ontario

M1L 4V1

 

Phone:  +1 (437) 247-3222

Email : support@cryxcard.com