Effective Date: December 31, 2025

OkCard (website domain: okvcc.com, hereinafter referred to as “we,” “us,” or “the Platform”) attaches great importance to user privacy protection. This Privacy Policy explains how we collect, use, store, share, and protect your information when you use our website and related services (including virtual credit card issuance, top-up, management, and other services, collectively referred to as the “Services”). Please read this Privacy Policy carefully. By using the Services, you agree to all the terms of this Policy.

1. Information We Collect

We may collect the following two categories of information:

1. Information You Actively Provide
   • During account registration: email address, mobile phone number, password, etc.
   • When issuing cards or topping up: necessary identity verification information (such as name, ID number, country/region), payment-related information (such as transaction data provided by top-up channels).
   • When contacting customer service or submitting feedback: contact details and description content you provide.
   • When participating in marketing activities: additional information you voluntarily provide.
2. Information Automatically Collected
   • Device information: device model, operating system, browser type, IP address, device identifiers, etc.
   • Log information: access time, page views, operation behavior, transaction records, etc.
   • Cookies and similar technologies: used to identify your device, maintain login status, improve service experience, and conduct necessary risk control analysis.

We collect the above information only within the scope permitted by law and solely for purposes essential to providing the Services.

2. How We Use Your Information

We use the collected information for the following purposes:

1. To provide core services: including issuance, top-up, freezing, destruction, and transaction inquiry of virtual credit cards.
2. Identity verification and risk control: to prevent fraud, money laundering, abuse, and other illegal activities, ensuring the security of the Platform and user funds.
3. Service improvement: analyzing usage patterns, optimizing product features, and enhancing user experience.
4. Customer support: responding to your inquiries, handling complaints or disputes.
5. Legal compliance: responding to legitimate requests from competent authorities and fulfilling obligations such as anti-money laundering and counter-terrorism financing.
6. With your separate consent, sending you product updates, service notifications, or marketing information (you may unsubscribe at any time).

3. Sharing and Disclosure of Information

We promise to keep your personal information strictly confidential and will not share or disclose it to any third party except in the following circumstances:

1. Service Providers: sharing necessary information with trusted third parties that assist us in providing services (such as cloud service providers, payment channels, identity verification agencies, and risk control service providers). These third parties may only process data as instructed by us and are bound by strict confidentiality agreements.
2. Business Transfer: in the event of merger, acquisition, or asset transfer, your information may be transferred as part of the assets. We will require the transferee to continue fulfilling the obligations under this Privacy Policy.
3. Legal Requirements: when required by applicable laws, regulations, regulatory requirements, or judicial procedures to disclose to competent authorities.
4. Security and Compliance: to prevent serious crimes or protect the rights of the Platform or other users.

We will never sell your personal information, nor will we use it for direct marketing purposes without your explicit consent.

4. Information Storage and Protection

1. Storage Location and Duration Your information is primarily stored in secure data centers. Personal information will be retained only for the minimum period necessary to achieve the purposes of collection, after which we will delete or anonymize it, except where longer retention is required or permitted by laws and regulations or to fulfill compliance obligations.
2. Security Measures We adopt industry-standard security technologies and management measures (including encrypted transmission, access controls, firewalls, regular security audits, etc.) to protect your information from unauthorized access, use, or disclosure. However, due to the nature of the internet, we cannot guarantee absolute security.

5. Your Rights

You have the following rights regarding your personal information:

• Access, correct, or delete your personal information;
• Withdraw consent previously given;
• Close your account;
• Refuse to receive marketing information.

You may exercise these rights through your personal center on the website or by contacting customer service (support@okvcc.com). We will respond to your request within a reasonable timeframe after verifying your identity, except where otherwise provided by law or where it involves Platform security and compliance requirements.

6. Protection of Minors

The Services are not intended for minors (persons under 18 years of age as defined by applicable law). If we discover that we have collected personal information from a minor, we will delete it as soon as possible.

7. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Updated versions will be posted prominently on the website with the new effective date. For material changes, we will provide additional notice via email or in-site notification. Please review it regularly to stay informed of the latest version.

8. Contact Us

If you have any questions, complaints, or suggestions regarding this Privacy Policy or the processing of personal information, please contact us through the following method: Email: support@okvcc.com

We will respond within 15 business days after verifying your identity.

Thank you for choosing OkCard. We will continue to work hard to protect your privacy and security.