Privacy Policy

We may collect different types of information depending on how you use our services, including:

Payments are processed through third-party payment service providers.

The payment service provider may collect and process card or financial account information necessary to complete the payment in accordance with its own privacy policy and terms of service.

We do not need to store full payment card details in order to provide our Digital Products when those details are processed directly by the payment service provider.

We may receive limited transaction-related information from the payment provider, such as payment status, transaction amount, currency, payment method type, and limited information relating to the payment method, for purposes including order processing, accounting, fraud prevention, refunds, and dispute management.

We may obtain information:

• Directly from you when you create an account or place an order;
• When you provide information required to complete a purchase or top-up;
• When you contact customer support;
• Automatically when you use the Website, including through technical logs and similar technologies;
• From payment service providers;
• From suppliers and service providers where necessary to fulfill an order or verify its status; and
• From security and fraud-prevention service providers, where applicable.

We may use the information we collect to:

• Create and manage user accounts;
• Process payments and orders;
• Deliver Digital Products and services;
• Complete direct top-up transactions;
• Send order confirmations and related notifications;
• Provide customer support and handle complaints;
• Verify transactions and information where necessary;
• Detect and prevent fraud and misuse of our services;
• Protect user accounts and the Website;
• Process refund requests and payment disputes;
• Improve the performance and security of our services;
• Maintain business and accounting records;
• Comply with legal and regulatory obligations; and
• Enforce the Royal Cards Jo Terms and Conditions and protect our legal rights.

Depending on the user's location and applicable law, we may process personal information based on one or more of the following legal grounds:

Due to the nature and rapid delivery of Digital Products, we may analyze certain transactions to detect fraud or unauthorized activity.

This review may consider factors such as transaction value, order frequency, unsuccessful payment attempts, technical information, and other indicators of unusual activity.

Certain verification or fraud-prevention activities may also be performed by our payment service providers or fraud-prevention service providers.

Where there are reasonable grounds to suspect a transaction, we may delay, review, reject, or cancel it, or request additional information before delivering the product.

We do not sell our customers' personal information.

However, we may share necessary information with third parties where required to provide our services, including:

We require parties processing information on our behalf to handle that information for the purposes for which it was provided and in accordance with applicable legal and contractual requirements.

We may disclose information when we reasonably and in good faith believe that disclosure is necessary to:

• Comply with applicable laws or regulations;
• Respond to a court order or valid legal request;
• Cooperate with competent authorities;
• Investigate fraud or unlawful activity;
• Protect Royal Cards Jo, our users, or our partners; or
• Establish, exercise, or defend legal rights.

Because Royal Cards Jo LLC is a company registered in the United States and uses suppliers and service providers that may operate in different countries, personal information may be processed or transferred to a country other than the country in which the user resides.

Where specific legal requirements apply to international transfers of personal information, we take appropriate measures required by applicable law to protect such information.

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected or to satisfy applicable legal, accounting, regulatory, and security requirements.

We may need to retain certain account, order, and transaction information after an account is closed where necessary to comply with legal requirements, maintain records, prevent fraud, or handle disputes and legal claims.

When there is no longer a legitimate need to retain personal information, it will be deleted or anonymized as appropriate.

Our Website may use cookies or similar technologies to operate the Website, maintain user sessions, remember certain preferences, improve security, prevent fraud, and analyze Website performance and usage.

Certain third parties that provide technical or analytics services to us may use their own cookies in accordance with their respective policies.

Users may be able to control certain cookies through their browser settings. However, disabling necessary cookies may affect certain Website functions.

We take reasonable technical and organizational measures designed to protect personal information against unauthorized access, use, alteration, disclosure, or loss.

Depending on the nature of the system and information involved, these measures may include access controls and appropriate technical and organizational security measures.

However, no method of transmitting or storing information over the Internet can be guaranteed to be 100% secure.

Users are responsible for providing accurate and current information.

Users are also responsible for protecting their account login credentials and should not share them with others.

If a user believes that their account has been compromised or used without authorization, they should contact us as soon as possible.

Depending on the country or state in which a user resides and the laws applicable to them, the user may have certain rights regarding their personal information, including the right to:

• Request information about or access to personal information we hold about them;
• Request correction of inaccurate information;
• Request deletion of certain personal information;
• Request restriction of certain processing activities;
• Object to certain uses of personal information;
• Withdraw consent where processing is based on consent; or
• Request a copy of certain personal information, where applicable.

These rights are not absolute, and there may be circumstances where applicable law permits or requires us to retain or continue processing certain information.

Privacy requests may be submitted to:

We may need to verify the identity of the person making the request before fulfilling it in order to protect personal information from unauthorized access.

Royal Cards Jo services are not intended for children who do not have the legal capacity to enter into transactions under the laws applicable to them.

If we become aware that we have collected personal information from a child in violation of applicable law, we will take appropriate steps to address the matter in accordance with applicable legal requirements.

Our Website may contain links to or services provided by third parties.

Royal Cards Jo does not control the privacy practices of those third parties. Users are encouraged to review the privacy policy of any external website or service they use.

We may send users offers, news, or marketing communications where we have a lawful basis to do so.

Users may unsubscribe from marketing communications using the available unsubscribe mechanism or by contacting us.

Opting out of marketing communications does not affect necessary communications relating to accounts, orders, payments, security, or other service-related matters.

We may update this Privacy Policy from time to time as a result of changes to our services, practices, or legal or security requirements.

The updated version will be published on our Website, and the “Last Updated” date at the top of this Policy will be revised.

We encourage users to review this Privacy Policy periodically.

If you have any questions or requests regarding privacy or the processing of your personal information, you may contact us at: