Privacy Policy

Last Updated: August 18, 2025

1. INTRODUCTION

BNX Networks Inc ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit card review platform (the "Service").

Important: If you submit a review while not logged in, we will create a user account for you using the information you provide (such as name, email address, and ZIP/postal code). We will send you an email to verify your address. Your review will be published only after you complete email verification. After verification, we will send you your account credentials or a secure link to set your password.

2. INFORMATION WE COLLECT

2.1 Personal Information

We may collect the following personal information:

  • Name and contact information (email address, phone number)
  • ZIP/postal code
  • Account credentials (username and password, including auto-generated credentials where applicable)
  • IP address and device information
  • Location data (country, region)
  • Payment information (if applicable)

2.2 Review Information

When you submit reviews, we collect:

  • Review content and ratings
  • Timestamp of submission
  • Device and browser information
  • IP address at time of submission

2.3 Automatically Collected Information

We automatically collect:

  • Log files and usage data
  • Cookies and similar technologies
  • Browser type and version
  • Operating system information
  • Referral sources

2.4 Information from Unregistered Reviewers

If you submit a review while not logged in, we collect:

  • Your name, email address, and ZIP/postal code for verification and fraud prevention
  • Any information needed to automatically create your account (e.g., temporary username or password)
  • Verification status and timestamps related to the review and the account we create

3. HOW WE USE YOUR INFORMATION

3.1 Primary Uses

We use your information to:

  • Provide and maintain our Service
  • Process and publish your reviews (anonymously)
  • Create and manage a user account when you submit a review while not logged in
  • Communicate with you about your account and verification status
  • Improve our Service and user experience
  • Ensure platform security and prevent fraud and spam

3.2 Anonymous Publication

  • Your reviews are published without any identifying information
  • Other users and the public cannot see your identity
  • We maintain internal records linking reviews to user accounts for legal, security, and administrative purposes

3.3 Legal and Administrative Uses

We may use your information to:

  • Comply with legal obligations
  • Respond to legal requests and court orders
  • Protect our rights and interests
  • Investigate potential violations of our Terms
  • Maintain accurate records for business purposes

3.4 Account Verification & Credential Delivery

  • Send verification emails and reminders to confirm your email address
  • Hold your review as pending until verification is completed
  • After successful verification, send your account credentials or a secure link/one-time code to set your password

4. INFORMATION SHARING AND DISCLOSURE

4.1 Anonymous Reviews

  • Reviews are published publicly without identifying information
  • No personal data is included in published reviews
  • We keep an internal link between your review and your account for compliance and abuse prevention

4.2 Legal Disclosures

We may disclose your personal information when:

  • Required by law, regulation, or legal process
  • Responding to government requests or court orders
  • Protecting our legal rights or property
  • Investigating fraud or security issues
  • Preventing harm to individuals or the public

4.3 Service Providers

We may share information with trusted third-party service providers who:

  • Assist in operating our platform
  • Are bound by confidentiality agreements
  • Only access information necessary for their services
  • Meet our data protection standards

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

5. DATA RETENTION

5.1 Account Information

We retain your account information for as long as:

  • Your account remains active
  • Required for business operations
  • Mandated by applicable laws
  • Necessary for legal compliance

5.2 Review Data

  • Published reviews may remain on our platform indefinitely
  • Internal records linking reviews to users are retained for legal compliance and platform integrity
  • We maintain audit trails for regulatory purposes

5.3 Unverified Accounts & Pending Reviews

  • If you do not complete email verification, we may retain your submitted information for a limited period reasonably necessary to manage verification attempts and prevent abuse
  • Unverified accounts and pending reviews may be deleted or anonymized after that period, subject to our legal obligations

6. INTERNATIONAL DATA TRANSFERS

6.1 Global Operations

  • Our Service is available worldwide
  • Your information may be transferred to and processed in countries other than your own
  • We implement appropriate safeguards for international transfers

6.2 Data Protection

We ensure adequate protection through:

  • Standard contractual clauses
  • Adequacy decisions where available
  • Other lawful transfer mechanisms

7. YOUR PRIVACY RIGHTS

7.1 Access and Correction

You have the right to:

  • Access your personal information
  • Request correction of inaccurate data
  • Update your account information
  • Request information about our data practices

7.2 Data Subject Rights (GDPR/CCPA)

Where applicable, you may have rights to:

  • Request deletion of your personal information (including unverified accounts)
  • Object to processing of your data
  • Request data portability
  • Withdraw consent where applicable
  • Lodge complaints with supervisory authorities

7.3 Limitations

Some rights may be limited by:

  • Legal obligations to retain certain information
  • Legitimate interests in maintaining platform integrity
  • Technical feasibility considerations

8. COOKIES AND TRACKING TECHNOLOGIES

8.1 Types of Cookies

We use:

  • Essential cookies for platform functionality
  • Analytics cookies to understand usage patterns
  • Performance cookies to optimize our Service
  • Security cookies to protect against fraud

8.2 Cookie Management

You can:

  • Control cookies through browser settings
  • Opt-out of non-essential cookies
  • Clear cookies from your device
  • Note that disabling cookies may affect functionality

9. DATA SECURITY

9.1 Security Measures

We implement:

  • Encryption for data transmission and storage
  • Access controls and authentication systems
  • Regular security assessments and updates
  • Employee training on data protection
  • Incident response procedures

9.2 Data Breaches

In the event of a data breach:

  • We will investigate promptly
  • Affected users will be notified as required by law
  • Appropriate remedial measures will be taken
  • Regulatory authorities will be notified as required

10. CHILDREN'S PRIVACY

  • Our Service is not intended for users under 18
  • We do not knowingly collect information from minors
  • If we discover we have collected information from a minor, we will delete it promptly

11. CALIFORNIA PRIVACY RIGHTS

11.1 CCPA Rights

California residents may have the right to:

  • Know what personal information is collected
  • Know whether personal information is sold or disclosed
  • Say no to the sale of personal information
  • Access their personal information
  • Request deletion of personal information
  • Equal service and price, even if they exercise privacy rights

11.2 Shine the Light Law

California residents may request information about disclosure of personal information to third parties for marketing purposes.

12. EUROPEAN DATA PROTECTION RIGHTS

12.1 GDPR Compliance

For EU residents, we comply with GDPR requirements including:

  • Lawful basis for processing
  • Data minimization principles
  • Purpose limitation
  • Storage limitation
  • Integrity and confidentiality

12.2 Legal Basis

Our legal basis for processing includes:

  • Legitimate interests in operating our platform and ensuring review integrity (including verification and fraud prevention)
  • Consent where obtained
  • Legal obligations
  • Contract performance

13. CHANGES TO THIS PRIVACY POLICY

  • We may update this Privacy Policy periodically
  • Changes will be posted on our website
  • Material changes will be communicated to users
  • Continued use constitutes acceptance of changes

14. CONTACT INFORMATION

14.1 Privacy Questions

For privacy-related questions or requests, contact us at:

BNX Networks Inc - Privacy Team
2135 Citygate Ln, Suite #300, Naperville, IL 60563, USA
Email: customerservice@bnxnetworks.com
Phone: +1-847-990-0525

14.2 Data Protection Officer

If applicable, our Data Protection Officer can be reached at:
Email: customerservice@bnxnetworks.com

15. EFFECTIVE DATE

This Privacy Policy is effective as of August 18, 2025 and supersedes all previous versions.

By using our Service, you acknowledge that you have read and understood this Privacy Policy and agree to our collection, use, and disclosure of your information as described herein.