Privacy Policy

1. Data We Collect

• Identifiers: name, email address, and IP address when you contact us or subscribe to updates.
• Usage data: pages visited, time on site, referring URLs, and browser/device type collected automatically.
• Cookies and similar tracking technologies as described in Section 3 below.

2. How We Use Your Data

• To operate and improve frbo-card, personalize content, and respond to inquiries.
• To send transactional emails or newsletters you have opted into (you may unsubscribe at any time).
• To comply with legal obligations and enforce our Terms of Service.

3. Cookies

• We use essential cookies required for site functionality and analytics cookies (e.g., Google Analytics) to understand traffic patterns.
• Advertising partners may set third-party cookies to serve relevant ads based on your browsing behavior.
• You can manage or disable cookies via your browser settings or our Cookie Preference Center at any time.

4. Third Parties

• We share data only with trusted service providers (hosting, analytics, email delivery) who are contractually bound to protect it.
• frbo-card may contain affiliate links to card issuers; clicking them may result in us receiving a commission, and the issuer's own privacy policy will apply.
• We do not sell your personal information to third parties.

5. Your Rights (GDPR / CCPA)

• EU/UK residents: right to access, rectify, erase, restrict processing, portability, and to object to processing under GDPR.
• California residents: right to know, delete, correct, and opt out of the sale/sharing of personal information under CCPA.
• To exercise any right, email us at [email protected] and we will respond within 30 days.

6. Data Retention

We retain personal data only as long as necessary to fulfill the purposes described in this policy or as required by law, typically no longer than 36 months after your last interaction with us.

7. Security

We implement industry-standard safeguards including TLS encryption in transit, access controls, and regular security reviews. No method of transmission over the internet is 100{06c74c548824f8a36fd1b48c41bd9daf477d0630e5dcdf56fcc1ccda071a9a37} secure; we cannot guarantee absolute security.

8. Children's Privacy

frbo-card is not directed at children under 13. We do not knowingly collect personal data from minors. If you believe a child has provided us data, contact us and we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated by updating the "Last Updated" date at the top of this page. Continued use of frbo-card after changes constitutes acceptance.

10. Contact Us

• Email: [email protected]
• Mailing address: frbo-card, 350 Fifth Avenue, Suite 4100, New York, NY 10118, USA
• For general inquiries, visit our Contacts page.