This Privacy Policy (“Policy”) describes how Carda Health Inc. (“Company” or “we” or “our”) treats information collected or provided in connection with an end user’s (“you” or “your” or “user”) use of the services available via Company’s website at (such website, the “Site” and together with such service, the “Service”). Please note that your use of the Service constitutes your acceptance of this Policy as set forth below:

Effective date

This Policy applies to all information collected by or provided to us in connection with the service. When we make any material changes to this Policy, we will change the effective date above and will inform you by e-mail sent to the address associated with your Service account and/or through the Service the next time you sign in. We will treat your continued use of the Service following such notice as your acceptance of the changes.

Third parties

The Service may contain, and we may send to registered users, links to third-party websites. This Policy does not apply to information that you may provide to or that may be collected by third parties. We encourage you to request that such third parties provide you with their applicable privacy policies and other terms and conditions before engaging with or making a purchase from such third parties.

Collected information

You represent, warrant and covenant that, in connection with this Agreement or the Service, you will not and will not attempt to: (i) violate any laws, third party rights or our other policies; (ii) re-join or attempt to use the Service if the Company has banned or suspended you; (iii) defraud the Company or another user; or (vi) use another User’s account or allow another person to use your User account. Any illegal activities undertaken in connection with the Service may be referred to the authorities.

Information you submit

When you log-in to or create an account with the Service, we collect the information you provide in the applicable forms. This information includes personally identifiable information such as your name, e-mail address and password. Information you submit to the Service also includes content that you create and publish on the Service, which will include such personally identifiable information as you may choose to include. When we refer to “personally identifiable information” in this Policy, we mean information that we can directly associate with a specific person or entity without additional information. To the extent you decline to share certain personally identifiable information with us, we may not be able to provide some or all of the features and functionalities found on the Service.

Information collected automatically

When you use the Service, we automatically gather certain non-personally identifiable information from you. This includes usage information, such as information on when, how often and for how long you use the Service and the content you submit and view. This also includes server log data such as the IP address or operating system, or the webpage you were visiting before you came to our Service. As described below, we collect this information through a number of means, including server logs, cookies and other online tracking mechanisms. We may associate such non-personally identifiable information with the personally identifiable information that you provide in connection with the Service. But if we do so, we will treat the combined information as personally identifiable information.

Analytics services

We use certain third-party services to assist us in analysis, auditing, research, and reporting regarding the Service. These third parties may use web logs or web beacons, and they may set and access cookies on your computer or other device.

Online tracking and cookies

The Service may use web beacons, cookies and other online tracking mechanisms to collect information. "Beacons" (also often referred to as "pixels") are tiny graphics on a web page designed to track when a page is viewed. Beacons also can be inserted into emails in order to track certain information, including whether an email has been opened. "Cookies" are small text files containing a string of alphanumeric characters that are downloaded by your web browser or mobile device when you visit a website. We may use both session cookies and persistent cookies when you access and use the Service. Cookies may be used, for example, to remember your user account information and your preferences, to customize the interface of the Service for you and to assist us in measuring and analyzing Service traffic. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the Service. Persistent cookies can be removed. Please review your browser's documentation to learn the best way to remove cookies and to modify your cookie settings. You can take steps to limit tracking by erasing cookies from your computer's hard drive and by setting your browser to block all cookies or warn you before a cookie is stored. We partner with certain third parties to collect non-personally identifiable information. These third parties may use web logs, web beacons or other online tracking mechanisms, and they may set and access cookies on your computer or other device. Means of opting out of this third-party data collection are discussed below in section 8.

Use of Information

We will use submitted information for the purposes for which you provided the information, including, for example, to create and maintain a Service account for you or respond to a question that you e-mail to us. We also use submitted information and collected information as necessary to provide the features and functionality of the Service to you. We may send you e-mails regarding updates or modifications to the Service. We use submitted information and collected information to personalize the content that you and others see based on personal characteristics or preferences. We may analyze collected information relating to your use of the Service in order to help us improve the Service, however we will only do so in an aggregated and anonymized fashion. We may use submitted information and collected information to help troubleshoot problems, provide you with required notices, enforce our Terms of Service or to alert you to changes in our policies or agreements that may affect your use of the Service. We may combine personally identifiable information collected through the Service with other information that we collect about you in other contexts—such as our communications with you via e-mail, phone or postal mail. We will handle such combined information in accordance with this Policy.

Disclosure of information

We do not sell your information to third parties for their own purposes, in any form. We do not distribute your information in any form except as provided in this Section. We disclose the personally identifiable and non-personally identifiable information that we collect about you as follows: Your information may be viewable by other Service users in accordance with the Service’s functionality. The Company uses contractors and third-party service providers to provide the Service to our users and help us understand the use of the Service. These contractors and third-party service providers may collect information sent through the Service for use on our behalf. We may report aggregated, de-identified data relating to activity on the Service to third parties or the general public. We may combine such data with other aggregated and anonymized data obtained from third-party sources in order to generate such reports. We will use and disclose information where we, in good faith, believe that the law or legal process (such as a court order, search warrant or subpoena) requires us to do so; to investigate, prevent, or take action regarding illegal activities, suspected fraud, or violations of our terms and conditions; or in other circumstances where we believe is necessary to protect the rights, safety or property of Company, our users, and third parties.

Viewing and amending information

You can log into your Service account and view or amend your user account information at any time. Please note that while changes to your account information are reflected promptly in active user databases, our servers may retain previously provided information. Note that changes to, or deletion of, your Service account user information does not affect any other information collected by the Company, which the Company may retain and continue to use or disclose in accordance with this Policy.


The personally identifiable information we collect about you is stored in limited access servers. We will maintain reasonable safeguards to protect the security of these servers and your personally identifiable information. However, no security measures are 100% effective and we cannot guarantee the security of your personally identifiable information.


This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you without our prior express written consent, but may be assigned by us without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.


We may, in our sole discretion, modify or update this Agreement from time to time, and so you should review this page periodically. When we change the Agreement in a material manner, we will update the ‘last modified’ date at the top of this page and notify you that material changes have been made to the Agreement. Your continued use of our Service after any such change constitutes your acceptance of the new Terms of Service. If you do not agree to any part of this Agreement or any future Terms of Service, do not use or access (or continue to access) our Service.

Transfer to the U.S. or other Countries

The Company is established in and uses facilities in the United States. Your information will be stored and processed in the United States or other countries where Company has facilities. By using the Service, you consent to the transfer of information outside of your country, even if your country has more rigorous data protection standards.

Children Under 13

The Company does not knowingly collect information from children under 13 and the Service is intended for adults over the age of 18. If you are a parent and believe that your child under the age of 13 has used the Service and provided personally identifiable information to us through the Service, please contact us and we will work to delete that Service account and any such personally identifiable information.

California Residents

The provider of our Service is Carda Health Inc. If you are a California resident, in accordance with Cal. Civ. Code §1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 1625 North Market Blvd., Suite N 112 Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254.