Privacy Policy

Effective Date: August 26, 2025

This Privacy Policy explains how we collect, use, and protect the information you provide when using EXcard application (hereinafter referred to as "EXcard"). Please read this Policy carefully before using EXcard.

1. Information Collection

We may collect the following types of information:

• Personal Information: Name, email address, phone number, bank account details, or e-wallet information.
• Transaction Information: Gift card upload records, redemption records, and withdrawal records.
• Device Information: IP address, device model, operating system, and App usage logs.

2. Information Usage

The collected information will be used for the following purposes:

• Providing gift card recycling and e-wallet withdrawal services;
• Account verification and security protection;
• Improving our products and services;
• Complying with laws, regulations, and regulatory requirements.

3. Information Sharing

We will not sell your information to third parties. Information will only be shared in the following circumstances:

• To comply with requirements of laws and regulations;
• To protect the safety of users or the public;
• Necessary sharing with payment institutions, banks, or partners to complete transactions.

4. Data Security

We take reasonable measures to protect your information, including encrypted transmission, access control, and secure storage. However, please note that 100% security cannot be guaranteed for data transmission over the Internet.

5. User Rights

You have the right to:

• Inquire about, correct, or delete your personal information;
• Withdraw your authorization;
• Request account closure.

6. Policy Updates

We may update this Privacy Policy from time to time. After an update, we will notify you via the App.

7. Contact Us

If you have any questions, please contact us through the following channels:

• Email: hi@excarda.com
• Phone: 85284373085