Privacy Policy

We collect the following categories of information:

• Identity and verification information:your name, date of birth, government-issued identification (such as a passport or driver's license number), tax identification number, and a photo or scan of your identification document, collected to verify your identity and comply with applicable "Know Your Customer" (KYC) and anti-money-laundering (AML) regulations.
• Contact information: your email address, phone number, and mailing or residential address.
• Financial and account information: information about your annuity and insurance products, account balances, transaction history, virtual card details, and transfer activity. We do not store full payment card numbers or CVV codes ourselves; these are handled by our licensed card-issuing and payment processing partners.
• Device and usage information: IP address, device identifiers, operating system, app version, and general usage data (such as which features you use and when), collected automatically when you use our app or website.
• Communications: records of your correspondence with us, including support requests.

We use the information we collect to:

• Create and manage your account, and verify your identity;
• Provide, operate, and maintain the Services, including issuing and administering your virtual payment card and annuity/insurance products;
• Process transactions, transfers, and deposits you initiate;
• Detect, investigate, and prevent fraud, unauthorized access, and other illegal activity;
• Comply with legal and regulatory obligations, including KYC, AML, and financial recordkeeping requirements;
• Communicate with you about your account, transactions, and updates to our Services or policies;
• Improve and develop our Services; and
• Respond to your requests and provide customer support.

We do not sell your personal information. We share information only in the following circumstances:

• Service providers and partners: with licensed third-party partners that perform services on our behalf, including identity verification providers, card issuing and payment processing partners, cloud hosting providers, and customer support tools. These partners are only permitted to use your information to provide services to us.
• Regulators and legal authorities: when required by law, regulation, legal process, or governmental request, including for AML/KYC compliance and financial reporting obligations.
• Business transfers: in connection with a merger, acquisition, or sale of assets, subject to standard confidentiality protections.
• With your consent: in any other circumstance where you have given us your consent to do so.

We use administrative, technical, and physical safeguards designed to protect your information, including encryption of sensitive data in transit and at rest, access controls limiting who can view your information, and ongoing monitoring for unauthorized access. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

We retain your information for as long as your account is active and as necessary to provide the Services. We may also retain information for longer periods where required by applicable financial services recordkeeping regulations, to resolve disputes, enforce our agreements, or comply with legal obligations, after which it is securely deleted or anonymized.

Depending on where you live, you may have rights regarding your personal information, including the right to:

• Access the personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Request deletion of your information, subject to our legal and regulatory recordkeeping obligations;
• Opt out of certain uses or sharing of your information, where applicable; and
• Withdraw consent, where processing is based on consent.

California residents may have additional rights under the California Consumer Privacy Act (CCPA), as amended. To exercise any of these rights, contact us at privacy@red-visa.com. We will respond to verified requests within the timeframe required by applicable law.

Our Services are intended for adults and are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child without appropriate consent, we will take steps to delete that information.

Our website may use cookies and similar technologies to operate correctly, remember your preferences, and understand how visitors use our site. You can control cookies through your browser settings; disabling cookies may affect some site functionality.

Our Services are operated from the United States. If you access our Services from outside the United States, your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your jurisdiction.

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by updating the effective date above and, where appropriate, through additional notice (such as an in-app notification or email). We encourage you to review this policy periodically.

This Privacy Policy is governed by the laws of the State of Delaware and applicable United States federal law, without regard to conflict-of-law principles.

If you have questions about this Privacy Policy or how we handle your information, contact us at:

Red Bridge Visa LLC
Email: privacy@red-visa.com