KleerCard LLC (“KleerCard”) provides financial products and services to growing businesses. We understand that by using KleerCard, you place your trust in us to handle your data and personal information appropriately, including your personal information and your business’s end users.
We want to make sure that you have all the information necessary about how we process—a fancy way of collectively saying use, collect, transmit, store, share, and erase—personal information, which does not include anonymized or aggregated data, so you can make an informed decision about how you want to interact with our products and services.
We know that you may have questions about how we process your personal information and have laid out how we process personal information about you. We’re constantly open to inquiries and suggestions for how we can improve; please reach out to our Privacy Team at privacy@KleerCard.com.
The personal information we process depends on the products you use and how you access them. We process information when you directly interact with KleerCard in the following ways:
Information needed to apply and create a KleerCard Account. If you are opening a KleerCard Account on behalf of a business, we need to process a certain amount of preliminary information about you, your business, and individuals associated with your business to create a KleerCard Account to comply with our legal and regulatory obligations. When you apply for a KleerCard Account, we may process:
Information needed to use our products and services. We need to process personal information when your business assigns you a KleerCard Card or otherwise allows you to use our products and services (for example as an employee or authorized representative). To use these services, we may process:
Information processed when you make a transaction. Each time you make a payment using a KleerCard Card we receive information about your transaction. We may receive this information directly from you or from our financial partners (including various banks) or the card networks (including Mastercard or Visa). We may process:
Payment method information (card number, card type, PIN)
Information automatically processed when you visit our websites or use our mobile app. We process personal information automatically when you visit our website or use our mobile app to make our services work, to prevent fraud and enhance security, to understand your preferences, and to tailor services to you for the best possible experience. We may process:
Browser and device information.
Information about your use of our website or mobile app.
You can block these at anytime using your web browser settings, but doing so may limit browsing experience and your ability to use certain features of our services.
Information processed when you interact with KleerCard teams. We may process personal information about you when you call, chat, email, or interact with members of KleerCard teams (such as Customer Experience, Sales, or Marketing), including:
Information processed when you enter into a sweepstakes, contest, or other promotion. We may process personal information when you enter a sweepstakes, contest, or promotion to administer those programs, including:
Information Processed from Our Business Partners and Service Providers
We process personal information we receive from financial partners, identity verification services, and other third-party service providers, and information you share with us about your use of their products and services:
Information necessary to comply with regulatory and legal requirements. When you open a KleerCard Account as a business owner or an administrator on behalf of a business, or you provide information as an individual with an ownership interest in a business, we process personal information we receive from identity verification services and other third-party service providers that we must keep to comply with the law, including:
Information processed to integrate third-party products and services with your KleerCard Account. When you choose to link your KleerCard Account with products and services provided by our business partners, we process personal information we receive from them to ensure our products and services work properly together.
Your bank. To underwrite, provide you the highest credit limit possible, and determine your eligibility for KleerCard Rewards, we require you to give us information about your business’s finances and access to your business’s bank account. We use a third-party service provider to process information about your business’s bank account. When you link your bank account we process the bank account credentials and all information associated with the bank accounts associated with those credentials, including:
If you do not link your bank directly, we process information you provide with copies of your bank statements and other financial information about your business.
To link your bank account with you KleerCard Account, a secure third-party service provider may use and store your bank account credentials. We do not store your bank account credentials on KleerCard systems.
KleerCard Account connections. We offer the ability to connect your KleerCard Account with accounting services (such as QuickBooks Online, Xero, and NetSuite), travel services, and other products and services. We both provide personal information to and receive information from these services on your behalf.
Accounting and expenses services. When you direct us to connect your KleerCard Account to these services we collect certain information to make those integrations work, including:
The information we collect may differ based on the accounting service and the choices you make relating to that service.
Travel services. When you book travel through dashboard.KleerCard.com/travel, we process information from our travel partners about your travel plans, including:
Financial partners. We get information from financial service providers such as our issuing bank and our card networks to make our services work. The information we get includes personal information related to your transactions using a virtual or physical KleerCard Card as described above.
Information processed to conduct fraud monitoring, prevention, and detection. We process personal information from our business partners, financial service providers, credit reporting agencies, identity verification services, public sources, and other third parties to prevent fraud.
Information processed as a result of a business partnership, referral, or agreement. We enter into agreements with financial partners and other businesses that provide products and services related to ours, and as a result of these partnerships, KleerCard may receive personal information related to that particular business or partnership. We may process information about:
We process your personal information for the reasons stated specifically in this policy, but we may also process personal information processed about you to:
Operate our business and provide tailored services to you.
Provide you with support.
Anonymized and aggregated data. To better target advertisements, improve, and market our products and services, and for other promotional purposes, we may reasonably transform personal information into de-identified information removing or masking information that could be used to identify you and by aggregating or combining de-identified data with other information. If you don’t want us to use your data in anonymized or aggregate form, contact us at privacy@KleerCard.com.
No sale of personal information. We do not and will not sell or allow other businesses process your personal information for their own use without your express consent, unless it is either required by law or we determine that disclosure is reasonably necessary to enforce our rights, protect our property or operations, or enforce the rights and protect the property or operations of our business partners and customers.
Making a payment. We share some personal information about you, such as your name and information about the payment method, with the person or merchant that you are paying.
Anonymous or aggregated information. We may share anonymized or aggregated information, or other data that does not directly identify you or your business, with third parties.
Affiliate sharing. KleerCard may share personal information we process about you with other KleerCard companies to provide additional services to you, determine eligibility for new products and offers, and for other legitimate business interests.
Service providers. We share your personal information with our service providers who operate and provide services on our behalf. These service providers need access to your personal information to perform information processing, manage or enhance our customer information, tailor services to you and your preferences, and perform other services related to our business. We work with our service providers to make sure that they do not sell the personal information that we share with them.
Financial and business partners. We share personal information to facilitate the services we provide to you with our business and financial partners.
Card issuing partners. KleerCard partners with various banks to issue cards to you. KleerCard owns and controls the transaction data and other personal information we share with card issuing partners. We share the personal information you provide with your application for a KleerCard Account with our card issuing partners to comply with our contractual obligations and to facilitate compliance with their and our regulatory obligations. Our card issuing partners do not sell or use your personal information or use any related data to market or to develop products and services, or for any other purpose not authorized by us.
Credit reporting agencies. We share your business information with credit reporting agencies to verify information about your business and to report on your business’s performance, which in some cases may contain personal information.
Card network partners. Visa separately processes information related to your use of your cards. For more information on how Mastercard and Visa handle your personal information, please visit Visa’s Global Privacy Notice, respectively.
Partnerships and referrals. We share personal information to facilitate referral partnerships. For example, if you were referred to us through an organization we may provide confirmation to that organization that your business opened a KleerCard Account with us, and information relating to your KleerCard Account activity solely for the purpose of calculating any referral fees we owe related to the referral.
Accounting and expenses integrations. We offer integrations with many popular accounting services (such as QuickBooks Online, Xero, and NetSuite). We share information with those services solely as directed by you, your users, or authorized representatives.
Travel partners. We share personal information with our travel partners. Our travel partners use this information solely to book travel and provide services to you.
Compliance and compelled disclosure. We may share personal information:
If you ask us to delete specific personal information (see “Your Choices About Your Personal Information” below), we will honor your request unless deleting the information prevents us from billing for our products and services, calculating taxes, conducting required audits, or carrying out other legitimate business functions, or we are required by law or contractual obligation to keep that information.
Security. We use organizational, technical, and administrative measures to protect personal information; however, no data security program is entirely secure. Please contact us immediately if you believe that your personal information or any other confidential information that you have provided to us is no longer secure or has been lost or stolen. If we confirm that there has been a breach of personal information or confidential data related to you, we will notify you.
Use by minors. If you are under the age of 16, you may not have a KleerCard Account or use our products or services. We do not knowingly process any information from, or direct any of our products or services to children under the age of 16. Please do not provide us with any personal information related to children under the age of 16.
KleerCard Account users. Our products and services are intended for use only by businesses, and you may only use a KleerCard Account or Card if you are an employee or other authorized representative of a business that has opened a KleerCard Account. The business’s administrator is responsible for the KleerCard Account and cards associated with that business. An administrator can: restrict, suspend, or terminate your access to or ability to use the services, access personal information about you, access or retain information stored with us, and restrict your ability to edit, restrict, modify, or delete information associated with your use of our products and services.
Electronic communications. You may choose not to receive promotional emails from us by following the unsubscribe/opt-out instructions in those emails, but we may still send you non-promotional messages relating to information about your our products and services such as updates to our Customer Agreement, privacy notices, security alerts, and other notices relating to your access to or use of our products and services.
Deletion or closure of a KleerCard Account. You can close your KleerCard Account at any time per the terms set out in our Customer Agreement. If you are a KleerCard Account administrator, please contact Customer Experience to close your KleerCard Account, otherwise please contact your business’ administrator to have your access to KleerCard Cards deleted. Closure or deletion of your KleerCard Account will mean that you permanently lose access to the KleerCard Account, personal information, and data associated with the KleerCard Account. Certain personal information or de-identified information associated with your business’s KleerCard Account may nonetheless remain on systems owned or maintained by KleerCard where required to comply with the law or our contractual obligations.
Application rejection. To comply with legal and regulatory obligations, we retain certain personal information associated with rejected applications for a KleerCard Account.
Exercising your choices. To exercise your choices about your personal information, please contact us at our Customer Experience team at (231) GO KLEER / (231) 465-5337 during available support hours. If you are an end user of KleerCard’s services and not a direct customer of KleerCard (for example, your business uses KleerCard and you’re an employee or authorized representative of that business), you should direct requests relating to your personal information to the administrator of your business’s KleerCard Account. We will not discriminate against you for exercising any of your rights.
Sale of personal information (“Do Not Sell My Personal Information”). We do not sell your personal information.
If you have concerns, questions, or would just like to better understand our privacy practices at KleerCard, please send an email to email@example.com or if you prefer to contact us by mail, please write to KleerCard LLC, Attn: Legal, 201 Linden Ave., Suffolk, VA, 23434.