As a dedicated credit card management application, MandalCard places significant importance on user privacy. This policy outlines our practices for handling and safeguarding your personal information. For a comprehensive overview of our privacy protection commitments, please refer to our full Privacy Policy at: https://www.manndalcard.com/privacy-policy. We endeavor to collect only the information essential for providing our services and process all such data in strict accordance with applicable laws and regulations.
To avoid leakage and misuse of this information, We will transfer user data to the following address: https://www.manndalcard.com
To deliver high-quality credit card management services and ensure the App's smooth operation, we may, with your informed consent, request the following information when you use MandalCard. Declining certain requests might impact your access to specific functionalities:
Mobile Number: This may be requested for account verification purposes, enabling us to send crucial security alerts (e.g., unusual login attempts, transaction notifications) and essential service updates (e.g., bill reminders, credit limit adjustments).
Email Address: This serves as an alternative communication channel for sending credit card statements, important account security information, and service announcements. It also assists in password recovery and resolving account-related inquiries.
Profile Picture Customization: We may request access to your camera or photo gallery solely for the purpose of allowing you to select or capture an image to personalize and update your profile picture within the App, enhancing your user experience.
We may request basic details (name, contact information) of a designated emergency contact. This is intended to facilitate communication and provide assistance in the event of account security concerns or other special circumstances, ensuring timely resolution of potential issues.
User ID: This uniquely identifies your account for the purpose of managing account-specific information and transaction records.
Device ID: This may be utilized for data synchronization across multiple devices, ensuring real-time access from various terminals, and for analyzing login patterns to detect unusual activities and bolster account security.
Advertising ID: This may be used to provide personalized service recommendations and relevant information. You retain the option to manage or disable this in your device settings.
We may automatically collect data such as app crash reports and functional error logs. This information is crucial for identifying and rectifying technical issues, optimizing app stability, and ensuring the uninterrupted operation of our services.
The App may request limited access to your call log solely to automatically detect and read one-time passwords (OTPs) or verification codes delivered through an incoming call for mobile number verification. This specific function assists in streamlining your registration or security checks. Once the mobile number verification is successfully completed, the App will cease accessing your call log for this purpose, and no other call log data will be accessed, stored, or processed. This access is strictly for functional necessity during the verification process.
TWe may collect your approximate location information (e.g., city, state) inferred from your IP address or network data. This is used to provide localized service information (e.g., branch locations, relevant offers), ensure compliance with regional regulations, and enhance security by detecting unusual login locations. This information is not used for real-time tracking.
For the purpose of enhancing fraud detection, improving security, and providing tailored service recommendations, we may request access to a list of applications installed on your device. This helps us to identify potential malicious software that could compromise your account and to understand your app usage patterns to offer more relevant features.
We may collect various technical details about your device to ensure optimal app performance, improve compatibility, enhance security, and facilitate troubleshooting. This includes:
Storage Status: Information about your device's storage capacity and available space, used to ensure smooth app operation and updates, and to prevent performance issues.
Battery Information: Details about your device's battery level and status, used to optimize app energy consumption and provide notifications related to power usage.
Bluetooth Information: Access to Bluetooth status (on/off) or connected devices may be used for certain optional features or to optimize device-specific functionalities, if applicable.
Hardware Information: Details such as device model, manufacturer, and operating system version, used for app compatibility, performance optimization, and bug reporting.
Memory Information: Data on available RAM, used to optimize app performance and manage resource allocation efficiently.
Network Status Information: Details about your device's network connection type (Wi-Fi, cellular data) and status, used to ensure stable communication with our servers and to optimize data usage.
Sensor Information: Access to certain device sensors (e.g., accelerometer, gyroscope) may be used for security purposes (e.g., detecting device tampering) or to enhance user experience for specific features, if applicable.
3.1 Identity Verification & Account Security: To establish a robust identity verification framework by integrating information such as User ID, Device ID, and mobile phone number, thereby bolstering operational security.
3.2 Credit Card Service Management: To effectively manage your transaction records, issue timely bill reminders, and provide you with up-to-date account information.
3.3 Personalized Service Delivery: To analyze your usage patterns and preferences, enabling us to offer tailored service recommendations and optimize the application's interface for a more intuitive experience.
3.4 Service Enhancement & Optimization: To continuously improve application performance, address technical vulnerabilities, and enrich user experience through the analysis of crash logs, device information, and aggregated user behavior data.
4.1 Encryption Protocols: The AES-256 encryption algorithm is employed to secure user information both during transmission and while at rest in our storage systems.
4.2 Security Management Practices: User information is hosted in data centers that adhere to stringent industry security standards, further protected by robust access control mechanisms.
4.3 Security Training & Audits: We conduct regular training sessions for our employees on data security best practices and engage independent third-party institutions to perform periodic security audits and assessments.
5.1 Data Retention Policy: Personal information and transaction records are generally retained for the duration of your service usage and for five (5) years following account termination, in compliance with relevant legal and regulatory mandates. Diagnostic data and crash logs are maintained for a period of two (2) years. Device identifiers remain linked to an active account and are anonymized or deleted within 30 days after account cancellation.
5.2 Data Deletion Process: You may submit a data deletion request either through the "Account Settings" within the App or by sending an email to service@manndalcard.com. We will review and process your request within 15 working days. For accounts demonstrating continuous inactivity for 18 consecutive months, we will automatically delete or anonymize the relevant information after providing a 30-day advance notification.
6.1 Authorized Disclosure: We will only share your information with your explicit consent with trusted third-party service providers (e.g., payment processors) who assist us in delivering our services, always under strict confidentiality and data processing agreements.
6.2 Legal Disclosure: We may disclose your information when legally mandated by applicable laws, regulations, or valid judicial orders.
We strictly adhere to all applicable laws, regulations, and supervisory requirements pertaining to personal information protection in all regions where MandalCard operates.
The application may feature links to external websites. These external sites operate under their own privacy policies, and we do not assume responsibility for their privacy practices.
We reserve the right to modify and update this privacy policy periodically. Any updated policy will be made available within the application and on our official website https://www.manndalcard.com/privacy-policy. For any updates involving significant changes, we will endeavor to notify you at least 30 days in advance.
Should you have any questions, suggestions, or concerns regarding this privacy policy, please contact us through the following channel:
Customer Service Email: service@manndalcard.com
Response Commitment: We will acknowledge your inquiry and aim to provide a comprehensive response within 10 working days.