Privacy Policy

1. Introduction

Apex Card ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, including our website, mobile application, and charge card services.

By using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect information that you provide directly to us and information that is automatically collected when you use our services.

Information You Provide

• Contact information (name, email address, phone number, mailing address)
• Business information (practice name, business address, tax identification number)
• Financial information (bank account details, credit history, financial statements)
• Identity verification documents
• Account credentials and preferences

Automatically Collected Information

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, features used, time spent on our services)
• Transaction data (purchase history, spending patterns)
• Location information (when permitted)

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our charge card and related services
• Process applications and verify your identity
• Manage your account and process transactions
• Communicate with you about your account, transactions, and our services
• Detect, prevent, and address fraud, security, or technical issues
• Comply with legal obligations and enforce our terms
• Improve and personalize your experience with our services
• Send you marketing communications (with your consent, where required)

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: With third-party vendors who perform services on our behalf, such as payment processing, identity verification, and data analytics
• Financial Partners: With banks, card networks, and other financial institutions necessary to provide our services
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Legal Requirements: When required by law, court order, or government regulation
• Protection of Rights: To protect our rights, property, or safety, or that of our users or others
• With Your Consent: For any other purpose disclosed to you with your permission

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and monitoring
• Access controls and authentication requirements
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• 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 and contractual obligations
• Portability: Request a copy of your data in a portable format
• Opt-Out: Unsubscribe from marketing communications at any time
• Account Closure: Close your account by contacting us

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: