Privacy Policy

Privacy Policy for xCard Loyalty Program

Effective Date: 10 March 2025
Last Updated: 10 March 2025

Welcome to xCard, which is owned and operated by Hyangla Incorporation (P) Ltd. xCard is a digital loyalty program designed to reward users with exclusive benefits and seamless experiences. Your privacy is important to us, and this Privacy Policy outlines how we collect, use, protect, and share your information when you use our app and services. By using the xCard app, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We collect different types of information to provide, personalize, and improve our services. The types of information we collect are as follows:

A. Personal Information

We collect personal details that are necessary to provide you with our services:

• Name
• Email address
• Phone number
• Gender (if required for promotions)
• Account login details, including username and password

B. Transaction & Usage Information

We collect data about your use of the xCard program, including:

• Participating merchants and stores you interact with
• Points earned, redeemed, and expired
• Preferences and settings in the app
• Notifications/messages received or read

C. Device & Technical Information

We collect information about the device and technical environment you use to access xCard:

• Location (if location services are enabled)

D. Third-Party Information

We may receive information from third-party services you connect to the app, including:

• Data from social media accounts (if linked)

2. How We Use Your Information

We use your information for the following purposes:

• To create and manage your xCard account
• To track, process, and reward loyalty points
• To offer personalized deals, promotions, and recommendations
• To improve app performance and enhance the user experience
• To communicate important updates, service notifications, and security alerts
• To detect and prevent fraud, unauthorized access, and misuse of the service

3. How We Share Your Information

We do not sell your personal information. However, we may share your data in the following cases:

• Merchant Partners: We may share your information with merchants and partners with whom you participate in loyalty programs to process points and provide exclusive rewards.
• Service Providers: We share your data with third-party companies that help us operate the app, such as analytics, marketing, and technical support.
• Legal Authorities: We may disclose your data when required by law, to comply with legal processes, or to protect against fraudulent activity.

4. Data Security

We take the security of your data seriously and employ industry-standard measures to protect it, including:

• Encryption for sensitive data during transmission
• Secure authentication and access controls
• Regular security audits and monitoring

While we take these measures, please note that no system is 100% secure. We recommend that you use strong, unique passwords and avoid sharing your account details with others.

5. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. If you delete your account, we may retain certain information for purposes such as legal compliance, fraud prevention, and dispute resolution.

6. Your Privacy Rights

You have the following rights regarding your personal data:

• Access: You can request access to the personal data we hold about you.
• Correction: You can request corrections to any inaccurate information.
• Deletion: You may request to delete your account and associated data, subject to our retention policies.
• Opt-Out: You may opt-out of receiving marketing communications.
• Location Tracking: You can withdraw consent for location tracking at any time by adjusting your device's settings.

To exercise any of these rights, please contact us at xcard.nepal@gmail.com.

7. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to:

• Enhance user experience and app functionality
• Analyze user behavior to improve our services
• Deliver personalized offers and advertisements

You can manage cookie settings through your device or browser preferences.

8. Third-Party Links & Services

Our app may contain links to third-party websites or services. These third-party services have their own privacy policies, and we are not responsible for their practices. We encourage you to review the privacy policies of these third-party services before sharing any personal data.

9. Children's Privacy

xCard is not intended for use by children under 13 years of age. We do not knowingly collect personal data from children. If we become aware that we have collected personal information from a child under 13, we will take immediate steps to delete such data.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make significant changes, we will notify you through the app or via email. By continuing to use xCard after such updates, you consent to the revised Privacy Policy.

11. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at: