Privacy Policy


If you are a user of web-site, the Virtual Card mobile application (hereinafter referred to as Virtual Card Products), then you agree to the application of this Personal Data Policy (except as provided below).

If you are a visitor to a third-party web-site which uses Virtual Card Products, any data you provide on this resource is collected in accordance with the personal data policy of this web-site (company).

Your privacy is very important to us and we recognize the importance of protecting personal data. Therefore, we have designed this Policy so that you can understand how we collect, use, distribute and modify your personal data.

Composition of personal data

Personal data is any information relating to a directly or indirectly determined or designated individual (citizen). For example, such information may include: full name, date and place of birth, address, information about family, social and property status, information about education, profession, income, etc.

All personal data we process are confidential and strictly protected in accordance with law.

As part of using the Virtual Card application, we request the user’s approval to access the following data:

  • Camera
  • IDFA
  • Network connection (cellular & Wi-Fi)

As part of using the Virtual Card web-site, we collect the following data:

  • Cookies
  • OS version
  • Browser version
  • Device type
  • Current browser language
  • Current Time Zone

Personal data processing is any action (operation) or a set of actions (operations) with personal data performed with or without using automation means. Such actions (operations) may include: collection, receipt, recording, systematization, accumulation, storage, elaboration (update, change), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data.

Purpose of use

Client information is collected and stored solely for the purpose of rendering services within the framework of the agreement concluded with the Client for participation in the “Virtual Card” coalition consumer loyalty program (hereinafter referred to as the Program); for identification and communication; for provision of Clients with information on services and products provided by the Operator and/or Partners of the Program; as well as for analysis, technical management and improvement of the “Virtual Card” Program and Products; for marketing purposes; for any other purposes specified in this Confidentiality Policy. In the meaning of this Confidentiality Policy, Client information is: personal information the Client independently provides when concluding contracts, installing and using the application, personal account on web resource (including but not limited to full name, email, phone); as well as data automatically transmitted in the process of using the application, including but not limited to:

  • IDFA (Identifier For Advertisers) is required to identify the mobile device on which the application is installed. It is necessary to enhance the security of Virtual Card product users.
  • Access to the device’s camera is required for QR code scanning and personal identification procedures when necessary.
  • Cookies enable to save Virtual Card platform usage history, personalized settings and other data enhancing the usability of Virtual Card on the user’s device.
  • OS version is required for technical optimization of the information displayed to the client, taking into account the version of the client operating system.
  • The browser version is required for technical optimization of the information displayed to the client, taking into account the client browser version.
  • Device type is required for technical optimization of the information displayed to the client, taking into account the version of the client operating system.
  • Time zone is required to correct the time of the information displayed to the client, taking into account the time zone in which the client is located.
  • Network connection (cellular & Wi-Fi) is required to retrieve data from the server, to update the content of partner catalogs and products in the application.

In addition, we may also use third-party services (such as Google Analytics). Such third-party services have their own confidentiality policies that describe how they use the information provided.

Data provided by external services in the presence of Integration. You can use external services to interact with Virtual Card Products, such as Facebook, email clients and others. Under such interaction, your personal data can be transferred to Virtual Card Products. In addition, Virtual Card may request access to other services on your behalf if there is Integration with these external services.

We may request personal data from you at any time when you interact with Virtual Card Products.

Protection of information

We take measures to ensure safe storage and processing of your data. These measures include processes and procedures aimed at reducing the risks of unauthorized access to or disclosure of your data. In order to ensure the security of information, we have taken the necessary organizational, technical and physical security measures. For example, we are using card number data masking.

Data disclosure to third parties

We do not transfer user data to third parties. User data can be transferred to competent authorities upon their request in accordance with applicable law.

Refusal to provide data

We give you the opportunity to refuse to provide us with your personal data when we request it. If you decide not to provide personal data, we will not be able to guarantee you access to Virtual Card Products.

You can send your refusal to provide personal data to [email protected]


You can request deletion of your personal data from Virtual Card Products. Upon such request, we will delete all personal data collected about you and will no longer be able to guarantee access to Virtual Card Products.

To have your personal data deleted, please contact [email protected]

Refusal to receive information and advertising newsletters

You can opt out of receiving information and promotional materials from Virtual Card. To do this, use the appropriate “unsubscribe” setting in the materials sent or send your request at [email protected]

Block cookies

You can delete or block certain cookies using the settings in your browser, but after that we will not be able to guarantee you access to Virtual Card Products.

You can contact us at any time for deletion, modification and provision of your personal data. To do this, send your request to [email protected]

We may refuse to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort (for example, requests for data stored on backup media) that endanger the privacy of other users. In any case, when we delete or modify data, we perform this service for free unless it requires disproportionate efforts.

Please note that non-personal data may be saved even if you stop using Virtual Card Products or request deletion of personal data.

Confidentiality for children

Only persons who have reached the age of 16 have permission to access Virtual Card Products. Virtual Card products do not apply to anyone under the age of 16 (“Children”). If you are a parent or guardian and find out that your children have provided us with personal information, please contact us. If we find out that we have collected personal information from a child under the age of 16 without parental consent, we will take steps to remove this information from our servers.

Changes to this Confidentiality Policy

We reserve the right to update or change our Policy at any time, and you should occasionally check on this Confidentiality Privacy. Your continued use of Virtual Card Product(s) after the introduction of changes to the Confidentiality Policy on this page will mean your approval of the changes and agreement to abide by and be bound by the amended Policy. If we make any substantial changes to this Confidentiality Policy, we will notify you either through the email address you provided or by posting a visible notice on our web site.