Privacy policy

The publisher of this site is the editorial operation behind Digital Card Guide (“we”, “us”). For privacy requests, write to privacy@digital-card-guide.com. We do not publish a street address on this page. If a formal postal notice is required, ask by email and we will provide the appropriate address for service.

This policy applies to the public pages of digital-card-guide.com and to email you send to the addresses we publish. It does not apply to banks, wallet providers, or other sites we mention. Those organisations publish their own notices.

If you email us, or if you prepare a note with the contact form and send it from your own email programme, we receive what you choose to include. That is typically your name, your email address, a subject, and the contents of the message.

Please do not send payment card numbers, bank account numbers, government identification numbers, passwords, or one-time codes. We do not need them to discuss a published briefing. If a message contains them, we will delete it where we can do so safely, and we may ask you to write again without those details.

You do not need an account to read the site. We do not ask you to register.

Like most websites, our hosting environment may record technical logs when a page is requested. A log entry can include your IP address, the date and time, the page requested, a referring address, and the browser type.

We use logs to keep the site available, to diagnose faults, and to see, in aggregate, which briefings are read. We do not use them to build a marketing profile. We do not sell them.

A cookie is a small text file that a site can store on your device. Similar technologies include local storage in the browser. We do not use cookies to advertise to you, and we do not use cross-site tracking cookies. We do not run a third-party advertising network on these pages, and we do not currently set analytics cookies of our own.

You can read every briefing without identifying yourself. If our host, or a strictly necessary platform feature, sets a cookie so that a page can load or a security check can complete, that cookie is used only for that operation.

You can refuse or delete cookies in your browser settings. Blocking a strictly necessary cookie may stop a page from working as intended. Blocking other cookies will not prevent you from reading the briefings. The site does not respond to a “do not track” signal with a separate tracking programme, because we do not run one.

We use personal information to reply to corrections, questions, and other correspondence; to operate, secure, and improve the site; to detect misuse, such as attempts to disrupt the service; and to meet a legal obligation, including a lawful request from a public authority.

We do not use your information to sell financial products. We do not use it to make automated decisions that produce legal or similarly significant effects for you.

Where a data-protection law requires a legal basis, including for visitors in the European Economic Area, the United Kingdom, and Switzerland, we rely on the following.

Legitimate interests: publishing an informational site, securing it, and answering editorial mail, where those interests are not overridden by your rights. Legal obligation: where a law requires us to keep or disclose a record. Consent: where we specifically ask for it. We do not currently ask you to consent to non-essential cookies. You may object to processing based on legitimate interests, as described under “Your rights”.

We do not sell personal information. We do not share it for cross-context behavioural advertising.

We may share information with service providers who host the site or carry email, and only so they can perform that work for us. They are not permitted to use it for their own marketing. We may share information if the law requires it, if we need to protect the rights, safety, or security of readers or of this publication, or if the operation of the site is transferred and the recipient agrees to honour this policy. If a transfer of that kind happens, we will update this notice.

We keep editorial correspondence for as long as we need it to handle the matter and to keep a reasonable record of corrections. We then delete it or reduce it so that it no longer identifies you. Server logs are kept for a short operational period, commonly between 30 and 90 days, unless a longer period is needed to investigate abuse or to meet a legal duty.

Hosting arrangements can change that window. If you need the period that applies now, write to the privacy address below.

We take reasonable administrative and technical measures to protect information we hold, including limiting who can read correspondence. No method of transmission or storage is perfectly secure, and we cannot promise that it is. Do not send sensitive financial credentials to this site or to our email addresses.

Our providers may process information in countries other than your own, including the United States. Where the law requires a safeguard for a transfer from the European Economic Area, the United Kingdom, or Switzerland, we use an approved mechanism, such as standard contractual clauses, or we transfer only where a relevant adequacy decision applies.

Depending on where you live, you may have the right to ask whether we hold information about you and to receive a copy; to ask us to correct it; to ask us to delete it; to ask us to restrict processing; to object to processing based on legitimate interests; to ask for a portable copy of information you provided; and to withdraw consent where processing was based on consent.

You may complain to the data-protection authority where you live. Residents of some U.S. states may have additional rights to know, delete, and correct personal information, and to appeal if we refuse a request. We will not discriminate against you for exercising a privacy right.

To make a request, email privacy@digital-card-guide.com. We may need to confirm that the request comes from you. We will respond within the time the applicable law allows. We may decline a request where the law permits us to, for example if fulfilling it would disclose another person’s information, or if we must retain a record.

This site is written for a general adult audience. It is not directed at children under 16, and we do not knowingly collect personal information from them. If you believe a child has sent us personal information, write to privacy@digital-card-guide.com and we will delete it.

Briefings sometimes refer to public institutions, standards bodies, or providers so that a reader can verify a point. We do not control those sites, and this policy does not cover them. A reference is not an endorsement of that site’s privacy practices.

We may update this policy when our practices change or when the law requires it. The date at the top of the page will change when we do. If a change materially affects correspondence we already hold, we will say so clearly on this page.

Privacy questions and requests: privacy@digital-card-guide.com. Editorial correspondence: editors@digital-card-guide.com. Please do not include card numbers, account numbers, or passwords.