C:HET Card, Inc. Privacy Policy

C:HET Card, Inc. ("C:HET," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, join our waitlist, communicate with us, or otherwise interact with our pre-launch services.

C:HET is currently in development. This Privacy Policy applies to our website and pre-launch activities and does not yet govern any future card, brokerage, investment advisory, or other financial services. Additional privacy notices may apply when those services become available.

1. Information We Collect

Information You Provide

We may collect information that you voluntarily provide to us, including:

• name;
• email address;
• phone number, if provided;
• school, university, employer, or other affiliation, if provided;
• age or age range, if requested;
• information submitted when joining our waitlist;
• survey responses, feedback, or product preferences;
• communications you send to us; and
• other information you choose to provide.

Please do not provide sensitive financial information, such as bank account numbers, Social Security numbers, passwords, or payment card information, through our pre-launch website unless specifically requested through an authorized and secure C:HET service.

Information Collected Automatically

When you use our website, we and our service providers may automatically collect certain information, including:

• IP address;
• browser and device information;
• operating system;
• referring and exit pages;
• pages viewed and features used;
• approximate location derived from IP address; and
• dates, times, and duration of website activity.

We may collect this information through cookies and similar technologies.

2. How We Use Information

We may use information we collect to:

• operate and improve our website;
• manage the C:HET waitlist;
• provide information about C:HET and our anticipated launch;
• communicate with you about product updates, early access, events, promotions, or opportunities;
• understand interest in C:HET and develop our products and services;
• conduct research, analytics, and testing;
• respond to inquiries and support requests;
• protect against fraud, misuse, and security threats;
• comply with applicable law and legal obligations; and
• establish, exercise, or defend legal claims.

Where required by law, we will obtain appropriate consent before sending marketing communications.

3. How We Disclose Information

We may disclose information to:

Service providers. We may use vendors that provide website hosting, analytics, email, communications, customer relationship management, security, and other services on our behalf.

Professional advisers. We may disclose information to lawyers, accountants, auditors, consultants, and other professional advisers where reasonably necessary.

Business transactions. Information may be disclosed in connection with an actual or proposed financing, merger, acquisition, reorganization, sale of assets, or similar transaction.

Legal and safety purposes. We may disclose information where reasonably necessary to comply with law, legal process, governmental requests, protect our rights or property, investigate fraud or security issues, or protect the safety of C:HET, our users, or others.

With your direction or consent. We may disclose information when you ask us to or otherwise consent.

We do not sell your personal information for money.

4. Financial Services and Partners

C:HET is developing products that may involve third-party financial institutions, payment providers, brokerage firms, investment advisers, technology providers, and other partners.

If you later apply for or use a C:HET financial product, additional information may be collected by C:HET or applicable financial-services providers. Separate agreements and privacy notices will govern those services as appropriate.

Joining the C:HET waitlist does not open a card, bank, brokerage, or investment account.

5. Cookies and Analytics

We may use cookies and similar technologies to operate our website, remember preferences, understand how visitors interact with the website, measure performance, and improve our services.

Your browser may allow you to block or delete cookies. Certain website functionality may not operate properly if cookies are disabled.

We may update this section as our use of analytics and advertising technologies evolves.

6. Marketing Communications

If you sign up to receive C:HET communications, we may send you information about our launch, products, events, promotions, and other updates.

You may unsubscribe from promotional emails by following the unsubscribe instructions included in those messages. We may still send non-promotional communications where appropriate.

7. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to operate our waitlist, develop our services, comply with legal obligations, resolve disputes, and enforce our agreements.

8. Data Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information.

However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Children's Privacy

The C:HET website is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

If we learn that we have collected personal information from a child under 13 without appropriate authorization, we will take reasonable steps to delete it.

10. Your Privacy Choices and Rights

Depending on where you live, applicable law may provide rights regarding your personal information, including rights to request access to, correction of, or deletion of certain information.

You may contact us at [email protected] to submit a privacy request.

We may need to verify your identity before fulfilling certain requests, and some information may be exempt from a request under applicable law.

11. Third-Party Websites

Our website may contain links to websites or services operated by third parties. Their privacy practices are governed by their own policies, and C:HET is not responsible for their privacy practices.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically. When we do, we will update the "Last Updated" date above.

If we make material changes, we may provide additional notice where appropriate or required by law.

13. Contact Us

Questions about this Privacy Policy may be directed to:

C:HET Card, Inc.
Email: [email protected]