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Terms of use for iCard ATM website

These Terms of use regulate the rules for access and use of the website (“the website”), property of iCARD AD (iCARD), hereinafter referred as “Terms of use”

  1. General Rules

    By using the website you accept and agree to be legally bound by these Terms of use, which enter into force immediately after the first use of the website. The Terms of use are to be applied to all customers who use the website. If you do not agree to be legally bound by these Terms of use, please do not enter and/or do not use the website.

    This website only provides general information.

    Through the website “iCARD” AD provides the public general information on iCard ATM product and the services that it provides

    No part of any content of this website is a legally binding offer from “iCARD” AD for conclusion of an agreement or a contract.

    A legally binding relationship between “iCARD” AD and a specific person for the iCard ATM service shall be established only after conclusion of separate contract/s, which contract/s regulates the relations between the Parties.

  2. Intellectual Property

    Materials published on the website, names, images, icons and logos, which identify iCARD and/or iCard ATM and/or any other product provided by iCARD, are the object of intellectual property rights, design rights, trade mark rights. No clause of the Terms of use can be interpreted by default or in any other way, as a clause that gives the rights of use of the materials published on the website – names, images, icons, logos.

  3. Use Of The Website

    You agree to use the website only for purposes not prohibited by the law and in a way that does not interfere with the rights of other persons and does not prevent other persons from using it.

  4. Waiver Of Rights

    iCARD is not responsible for any damages, including direct or indirect, which have occurred from the use and/or non-use of the data or services, which derive from a contract, negligence or some other action during or in connection with your use of the content of iCard ATM, including but not limited to information, names, images, trademarks and signs, in connection or regarding iCard ATM and/or iCARD, its products or services (or to the products and services of third parties) is provided for your information and only for your personal usage, without any guarantee (expressly stated or implied by the law) regarding satisfactory quality, suitability for a certain purpose, lack of infringements, compatibility and others. iCARD does not guarantee, that the functions, which are included in the content of iCard ATM, will be permanent or flawless, that the flaws will be remedied or that iCard ATM or the server, on which the website in uploaded, are virus- and bug-free. The links to other websites, including the websites, which are not owned by iCARD, can be included in this website, so that it can be as useful as possible, but iCARD does not take part in the development and carries no responsibility for the content, as well for the accuracy of the information of the websites, which are not owned by iCARD itself.

  5. Final Provisions

    iCARD is entitled to change these Terms of use at any given time by publishing the changes on the website. Please, take care to familiarize yourself on a regular basis with the Terms of use, so that you can be sure, that you are familiar with all changes, that are made by iCARD. The use of the website after the changes of Terms of use have been published, implements that you agree to be legally bound by the changed and updated Terms for use.

    iCARD is entitled to change these Terms of use at any given time by publishing the changes on the website. Please, take care to familiarize yourself on a regular basis with the Terms of use, so that you can be sure, that you are familiar with all changes, that are made by iCARD. The use of the website after the changes of Terms of use have been published, implements that you agree to be legally bound by the changed and updated Terms for use.

    iCARD shall have a right to seek compensation for possible damages and claims from any third party, related to the breach of these Terms of use and/or the unauthorized use of the services on the website

    The Terms of use are regulated and interpreted in accordance with the Bulgarian national law. If it so happens, that any clause of the Terms of use is contrary to the law, invalid or in any way annulled because of changes in the provisions of the Bulgarian national law, than it has to be interpreted separately and to be treated as annulled from the Terms of use. In this case the rest of the clauses of the Terms of use remain in force.

    The Terms of use are written in Bulgarian and in English. Regardless, that there may be translations in other languages, you agree, that in case of a conflict between the versions the Bulgarian version will have precedence over any translated version

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Cookies policy

  1. Cookies Policy

    We use “cookies” and other technologies when you visit or use our websites.In this document you may find more information and details on about the cookies and the similar technologies as well as how to control them.

    General information on cookies can be found here:

  2. Consent

    By using our websites, mobile sites, you agree the use of cookies in accordance with the present policy. This policy applies additional to any other Legal agreement, terms and conditions or contract provision for the particular iCard ATM Service being used by you. If you do not accept the use of cookies, please disable them as specified below.

  3. Can I withdraw my agreement to the use of cookies and similar technologies?

    If you wish to withdraw your agreement to accept cookies and similar technologies, please delete the cookies via your browser settings. There is a brief instruction further in the policy below and you can find further information on deleting and blocking cookies here:

    Some of the similar technologies we use, such as JavaScript can also be disabled on your devices but this may significantly impact the ability for our websites, mobile sites to work on your devices.

  4. What are cookies and similar technologies?

    Cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, language, font size and other display preferences) over a period of time, so you don’t have to keep re-entering them, whenever you come back to the site or browse from one page to another. Cookies are generated by the server of the visited website when the browser of your device loads it. The website sends information to the browser and creates a text file. Each time the user returns to the same website, the browser extracts this text file and sends it to the website’s server. The information that the cookie contains is specified by the server and may be used by the latter when the website is visited again by the user.

    We use cookies to achieve different tasks such as like letting you navigate between pages efficiently and easily, remembering your preferences and generally improving your experience when browsing. We also use them to ensure that any ads you see on our websites and ads of other third-parties are more focused to you and your interests.

    We also use similar technologies such as pixel tags and JavaScript to undertake these tasks. Pixel tags and JavaScript are tiny graphics files that contain a unique identifier that enable us to recognize when someone has our websites. This allows us, for example, to monitor the traffic patterns of users from one page within our websites to another, to provide or communicate with cookies, to understand whether you have come to our websites via online advertisement displayed on a third-party website, to improve site performance.

    If you visit our websites, we will deploy cookies and similar technologies to design an online service more suitable for your device, as well as to prevent and detect fraud. When you visit our website from any device we collect information about your use of the particular website, such as information about the device or browser you use to access the site (including device type, operating system, screen resolution, etc.), the way you interact with this site, and the IP address your device connects from. In many cases, the above said technologies are relying on cookies to function properly, and so declining cookies will impair their functioning, which means that you may not be able to exercise some activities within our secure online services unless these cookies or similar technologies are installed. Additionally there might be a chance that we may not be able to process certain transactions if you are physically located in certain countries.

    Cookies set by us are referred to as "first party cookies". Cookies deployed by parties other than us are called "third-party cookies". Third party cookies enable third party features or functionality to be displayed on or through the website. The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites.

    We may not influence or control over third-party cookies. If you would like to find out more about the types of cookies which may be downloaded as a result, please visit the website of the third-party provider to do so.

  5. Types of cookie inserted

    There are different types of cookies which are usually split into the following categories, but note that not all these types will be used on our website:

  6. Necessary cookies

    These cookies are required in order to allow you to move throughout the website and use its functionalities, such as accessing secure areas of the website. Without these cookies the services you have applied for cannot be provided. These cookies are activated when you visit our website and remain active for the duration of your visit. These cookies allow us to provide you our service.

  7. Statistical cookies

    These cookies collect information about how you as a visitor use our website. For instance, which pages visitors go to most often and if they get error messages from web pages. This data in aggregate form is used to improve our websites. This data is also used to identify whether customers may have specific interests needs based on pages they have visited within our websites. These cookies allow us to provide you our service better.

  8. Functionality cookies

    These cookies allow our website to remember choices you make and provide high level of personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you are allowed to customize. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites. These cookies memorize your preferences in order to build-up your experience as user.

  9. Target cookies

    These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of advertising campaigns. They are usually placed by third-parties (advertising networks) with the website operator’s permission. They remember that you have visited a website and this information is shared with other companies or organizations such as advertisers

    These cookies are designed to provide you more efficiently with relevant ads.

  10. Regulatory cookies

    These cookies are required for us to be able to comply with our legal and regulatory requirements such as anti-money laundering and fraud prevention. They also prevent your account from being misused by others. These cookies are activated when you visit our website and remain active for the duration of your visit.

  11. Cookies in Emails

    We use cookies and similar technology in some of our emails which contain hyperlinks, each of which has a unique tag. They help us to understand a little bit about how you interact with our emails, and are used to improve our future email communications to you. If you click on links contained in this email it will allow us to track your use of our website and enable us to show content and offers of most interest to you

    If you do not wish to accept cookies from any one of our emails, simply close the email before downloading any images or clicking on any links. You can also set your browser to restrict cookies or to reject them entirely. These settings will apply to all cookies whether included on websites or in emails.

    If you have configured your computer to automatically display images, or if you have added us to your email "address book" (or "safe senders" list), or if you have configured your computer to have "weak" security, cookies might be set at the same time as you download, open or read an email from us. If you would prefer for this not to happen, you should disable the automatic displaying of images, or remove us from your address book or strengthen your security settings.

  12. How to control and delete cookies through your browser

    The ability to disable or delete cookies can also be carried out by changing your browser’s settings. In order to do this, follow the instructions provided by your browser (usually found in the ‘Help’, ‘Edit’ or ‘Tools’ facility). Some pages may not work if you completely disable all cookies, but many third-party cookies can be safely blocked. If you do switch off cookies at a browser level, your device won't be able to accept cookies from any website. This means you will struggle to access the secure area of any website you use and you won't enjoy the best browsing experience when you are online.

  13. Types of Cookies used for iCard ATM website:

    Below is a list of the types of cookies and similar technologies that we use in our website along with instruction as to how they may be disabled.

    Complete list with cookies can be found here.

    Name Category Type Purpose
    PHPSESSID Necessary cookies Session cookies exist for as long as you are on the web page. The session ends when you close the web page or the browser. Ensure anonimity of customer personal information. This cookie is defined by the servers of
    _ga Statistical cookies Cookie that exists for a period of 2 years maximum Used by Google Analytics to identify users by a unique number called “Client ID.”
    _gid Statistical cookies Cookie that exists for 24 hours maximum. Used by Google Analytics to store Session ID and distinguish users.
    cookies_agree Functionality cookies Regulatory cookies Cookie that exists for a period of 1 year maximum. Stores information in relation to whether the client has agreed with the Cookie policy.
    prefLang Functionality cookies Cookie that exists for a period of 1 year maximum. Stores information about the client's preferred language.
    sidemenu-open Functionality cookies Cookie that exists for a period of 1 year maximum. Stores information about the client`s choice how to see the side navigation bar.
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Privacy policy

This Privacy Policy describes how iCard AD, Company number 175325806, registered office James Bourchier 76A, Sofia, Bulgaria, collects, uses, processes, and discloses your information, including personal information, in conjunction with the use of iCard ATM website.

When this policy mentions “we,” “us,” or “our,” it refers to the respective company – iCard, Company number 175325806, registered office James Bourchier 76A, Sofia, Bulgaria, that is responsible for your information under this Privacy Policy (the Data Controller).

By pressing a button or confirming a box where the words "I agree" or "Confirm" are displayed, you agree to be bound by this Privacy Policy.

By accepting this Privacy Policy, you explicitly agree to the use and disclosure of your personal information on our part and you instruct us to do so in the manner described in this Privacy Policy.

    1. This Privacy Policy forms an integral part of the Terms of Use of the website

      We give utmost importance to the protection of personal data of our customers. In the following Privacy Policy, we inform You that your personal information is collected, used and processed in accordance with the principles laid down in the applicable legislation and the General Data Protection Regulation (EU) 2016/679 (“GDPR”).

    2. You are required to read this Privacy Policy carefully in order to be familiar with the policies and practices that we will apply in regard to your personal data, how your personal data will be used and how we will treat it. If you do not agree with this Privacy Policy, you should not use our website. By providing us with your personal data once you have become familiar with this Privacy Policy, we will assume that you have agreed to the collection, use and disclosure of your personal data in accordance with the terms and conditions set forth in this Privacy Policy, unless you have notified us otherwise.

    You are informed that we collect the following categories personal data:

    1. Information we process for the purpose of contact

      We collect the following information in case you wish to contact us. This information is necessary for the proper and correct communication between us and in case you wish to use our services. Without its collection, we will not be able to provide you with the relevant services.

      • Full Name
      • Phone Number
      • Email Address
      • Company Name
      • Company URL
      • Country of Registration
    2. Information That We Collect With Your Consent

      You may choose to provide us with additional personal information. This personal data will be processed on the basis of your consent. Such information could be:

      • Any information you disclose in connection with an initiated communication between us for the purpose of providing customer service.
    3. Information we process on the basis of our legitimate interest when you use our Website

      When you use our website we may collect information, including personal information, about the services you use and how you use them. This information is necessary given our legitimate interest in being able to provide, improve the security and improve the functionalities of the website.

      Geo-location Information. When you use our website, we may collect information about your precise or approximate location as determined through data such as your IP address to offer you an improved user experience. Most apps or devices allow you to control or disable the use of location services for applications in the device’s settings menu. The legitimate interests that we pursue with this processing is the identification of location-specific problems and other statistical information, which helps us improve our website.

      Usage Information. We collect information about your interactions with our website such as your usage of any Apps or Functionalities, and other interactions. The legitimate interests that we pursue with this processing is collection of crash reports and other statistical information, which helps us improve our services.

      Cookies and Similar Technologies. We use cookies and other similar technologies, such as web beacons, pixels, and mobile identifiers. We may also allow our business partners to use these tracking technologies on our website, or engage others to track your behaviour on our behalf. While you may disable the usage of cookies through your browser settings, iCard Platform currently does not respond to a “Do Not Track” signal in the HTTP header from your browser or mobile application due to lack of standardization regarding how that signal should be interpreted. For more information on our use of these technologies, see our Cookies Policy.


    We use, store, and process information, including personal information, about you to provide, understand, improve, and develop our website, create and maintain a secure environment, pursue our legitimate interests and comply with our legal obligations.

    1. Communication, provision of information, execution of orders.
      • In order to provide answers to your requests, made through the forms on our website;
      • Maintaining your profile registration on our website;
      • For the purposes of due execution of any order which you have made through our website;
      • Create an account connection between your Account and a third-party account or platform, if applicable;
      • Detect and prevent fraud, abuse, security incidents, and other harmful activity by blocking our website or by applying other fraud prevention measures.
      • Conduct security investigations and risk assessments.

      We process this information given our legitimate interest in improving our website and our clients’ experience with it, and where it is necessary for the adequate performance of the contract with you as well as to comply with applicable laws.

    2. Provide, Improve, and Develop our website.
      • Enable you to access and use our website;
      • Process purchase payments, issue invoices and or other kind of payment documents for the processed order;
      • Operate, protect, improve, and optimize our website and your experience, such as by performing analytics and conducting research;
      • Provide customer service;
      • Send you service or support messages, updates, security alerts, and account notifications;
      • To operate, protect, improve, and optimize our website and experience, and personalize, customize your experience, introduce you to our other Services, we conduct profiling based on your interactions with our website.

      We process this information given our legitimate interest in improving our website, and where it is necessary for the adequate performance of the contract with you.

    3. Create and Maintain a Secure Environment.
      • Detect and prevent fraud, spam, abuse, security incidents, and other harmful activity;
      • Conduct security investigations and risk assessments;
      • Enforce our legal rights.

      We process this information given our legitimate interest in protecting our website, to measure the adequate performance of our contract with you, and to comply with applicable laws.

    4. Provide, Personalize, Measure, and Improve our Advertising and Marketing.
      • Send you promotional messages, marketing, advertising, and other information related to our website and the products and services of unaffiliated businesses that may be of interest to you based on your preferences and social media advertising through social media platforms such as Facebook, LinkedIn or Google;
      • To provide personalised advertising offered by us on third-party websites and online services. We may use your Personal Data and other information collected in accordance with this Privacy Policy to provide a targeted display, feature or offer to you on third-party websites. We may use cookies and other tracking technologies to provide these online services and/or work with other third-parties such as advertising or analytics companies to provide these online services;
      • To provide you with location-specific options, functionality or offers if you elect to share your Geolocation Information. We will use this information to enhance the security of our website and provide you with location-based content, such as advertising, search results, and other personalised content;
      • Personalize, measure, and improve our advertising;
      • Administer referral programs, rewards, surveys, sweepstakes, contests, or other promotional activities or events sponsored or managed by us or its third-party partners;
      • For participation in games, quizzes and completion of questionnaire or a contest entry form for promotional campaigns;
      • Conduct profiling on your characteristics and preferences (based on the information you provide to us, your interactions with our website, information obtained from third parties) to send you promotional messages, marketing, advertising and other information that we think may be of interest to you.

      We will process your personal information for the purposes listed in this section given our legitimate interests in relation to the products we have already offered you and your consent in undertaking marketing activities to offer you products or services that may be of your interest. You have the right to object or opt-out from processing your personal information for the purposes described above by withdrawing your consent at any time and free of charge.

    1. With other members of the iCard corporate family:

      We may share your Personal Data with members of the iCard Group of companies or within our extended family of companies that are related by common ownership or control, so that we may provide the Services you have requested or authorised or to manage the risk, or to help detect and prevent potentially illegal and fraudulent acts and other violations of our policies and agreements and to help us manage the availability and connectivity of our websites and communications.

    2. With third party service providers:

      We may share personal information with third party service providers that support us in providing our website, products and/or Platform with functions at our decision and our behalf.

      These third-party service providers may for example:

      • perform risk monitoring;
      • perform product development, maintenance and debugging;
      • allow the provision of our website through third party platforms and software tools (e.g. through the integration with our APIs);
      • provide customer support;
      • IT support and development services;
      • provide technical support;
      • promoting by business introducers, distributors, promoters, sales agents or similar;
      • perform courier services on our behalf;
      • provide cloud, storage or collocations services;
      • provide audit and accountancy services;
      • provide legal, compliance or other consultancy services;
      • marketing and Public Relations services.

      These providers have limited access only to your information necessary to perform the tasks for which they were contracted for on our behalf and are contractually bound to protect and to use it only for the purposes for which it was disclosed and consistent with this Privacy Policy.

    3. With other third parties for our legitimate interest or as permitted or required by law:

      We may share information about you with other parties for our legitimate interest or as permitted or required by law, including:

      • if we need to do so to comply with a law, legal process or regulations;
      • to law enforcement authorities or other government officials, or other third parties pursuant to a subpoena, a court order or other legal process or requirement applicable to us or our corporate family;
      • if we believe, in our sole discretion, that the disclosure of Personal Data is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity;
      • to protect the vital interests of a person;
      • to investigate violations of or enforce a user agreement or other legal terms applicable to any of our Products;
      • to protect our property, Products and legal rights;
      • to facilitate a purchase or sale of all or part of our business;
      • in connection with shipping and related services;
      • in relation to promoting our website to end users by third party business introducers;
      • to help assess and manage risk and prevent fraud against us, our clients and fraud involving our websites, mobile apps or use of our Services, including fraud that occurs at or involves our business partners, strategic ventures, or other individuals, and merchants;
      • to companies that we plan to merge with or be acquired by.

      With your consent: We also will share your Personal Data and other information with your consent or direction.

      In addition, we may provide aggregated statistical data to third-parties, including other businesses and members of the public, about how, when, and why users visit our website and services. This data will not personally identify you or provide information about your use of our website. We do not share your Personal Data with third parties for their marketing purposes without your consent.

    4. Aggregated Data.

      We may also share aggregated information (information about our users that we combine together so that it no longer identifies or references an individual user) and other anonymized information for regulatory compliance, industry and market analysis, demographic profiling, marketing and advertising, and other business purposes.

    5. Business Transfers.

      If any of the companies that provides our websites is involved in any merger, acquisition, reorganization, sale of assets, transfer of portfolio, bankruptcy, or insolvency event, then we may sell, transfer or share some or all of our assets, including your information in connection with such transaction or in contemplation of such transaction (e.g., due diligence). In this event, we will notify you before your personal information is transferred to a different legal person and/or becomes subject to a different privacy policy.


    We will store your personal data in accordance with the minimum legal requirements for the storage of the relevant category of personal data. In case there is no legal requirement to keep your personal data, we shall keep your data for a period no longer than 5 years, in case you have become a iCard ATM Client of iCard, or 1 year in any other case.


    We may share your information, including personal data, with courts, pre-trial authorities, governmental authorities or other third parties authorized by law if and to the extent that this is our duty or is permitted under law for (i) the fulfilment of our legal obligations; (ii) the enforcement of procedural rules and defence against claims directed against us; (iii) responding to proper inquiries from authorities investigating crimes or other illegal activities or investigating other conducts that may expose us, you or any of our clients, to legal risk; (iv) the implementation and administration of our Terms and Conditions and any other agreements, policies and legal relationships.


    In the event that we transfer any data outside of the EEA, we ensure that appropriate security measures are in place to protect any information that might be considered as your personal data. Such measures could be based on an adequacy decision by the European Commission in the countries outside the EEA, or compliance with internationally agreed standards such as Privacy Shield. We will provide you with additional information on these measures upon request, if applicable.


    You may exercise any of the rights described in this section before the Data Controller by sending an email from your e-mail registered for our website to iCard AD. Please note that we may ask you to verify your identity before taking further action on your request. Please note that upon receipt of your e-mail we shall try our best to provide you with the requested information and resolve your request in reasonable time, subject to all obligations which we or the related companies have under the applicable laws.

    1. Managing Your Information.

      You have the right to obtain the following:

      • confirmation of whether, and where, the we are processing your personal data;
      • information about the purposes of the processing;
      • information about the categories of data being processed;
      • information about the categories of recipients with whom the data may be shared;
      • information about the period for which the data will be stored (or the criteria used to determine that period);
      • information about the existence of the rights to erasure, to rectification, to restriction of processing and to object to processing;
      • information about the existence of the right to complain to any Regulator;
      • where the data was not collected from you, information as to the source of the data; and information about the existence of, and an explanation of the logic involved in, any automated processing;
      • additionally, you may request a copy of the personal data being processed.
    2. Rectification of Inaccurate or Incomplete Information.

      You have the right to ask us to correct inaccurate or incomplete personal information concerning you (and which you cannot update yourself via your online access to your iCard ATM Account).

    3. Data Access and Portability.

      You have the right to:

      • receive a copy of your personal data in a structured, commonly used, machine-readable format that supports re-use;
      • transfer your personal data from one controller to another;
      • store your personal data for further personal use on a private device;
      • have your personal data transmitted directly between controllers without hindrance.

      In some jurisdictions, applicable law may entitle you to request copies of your personal information held by us.

    4. Data Retention and Erasure.

      We generally retain your personal information for as long as is necessary for the performance of the contract between you and us and to comply with our regulatory obligations. If you no longer want us to use your information to provide our website to you, you can request that we erase your personal information and close your iCard Account, providing your account is in good standing, not blocked or somehow limited for compliance, risk or regulatory reasons, or due to your outstanding obligation to us, court order, pledge or order by another regulator or other reason which prevent us by law to close your account or terminate the Service. Since the Data Controller is a regulated E-money institution the Data Controller is obliged under PSD and AML laws to keep your personal information and all transactions history for a period of 5 years after the termination of the relation with you. Please note that if you request the erasure of your personal information:

      • We may retain some of your personal information as necessary for our legitimate business interests, such as fraud detection and prevention and enhancing security.
      • We may retain and use your personal information to the extent necessary to comply with our legal obligations.
      • Because we maintain the iCard to protect from accidental or malicious loss and destruction, residual copies of your personal information may not be removed from our backup systems for a limited period of time.
    5. Withdrawing Consent and Restriction of Processing.

      Where you have provided your consent to the processing of your personal information by us you may withdraw your consent at any time by changing your Account settings or by sending a communication to us specifying which consent you are withdrawing. Please note that the withdrawal of your consent does not affect the lawfulness of any processing activities based on such consent before its withdrawal. Additionally, in some jurisdictions, applicable law may give you the right to limit the ways in which we use your personal information, in particular where (i) you contest the accuracy of your personal information; (ii) the processing is unlawful and you oppose the erasure of your personal information; (iii) we no longer need your personal information for the purposes of the processing, but you require the information for the establishment, exercise or defence of legal claims; or (iv) you have objected to the processing and pending the verification whether our legitimate grounds override your own.

    6. Objection to Processing.

      In some jurisdictions, applicable law may entitle you to require us not to process your personal information for certain specific purposes (including profiling for marketing purposes) where such processing is based on legitimate interest. If you object to such processing we will no longer process your personal information for these purposes unless we can demonstrate compelling legitimate grounds for such processing or such processing is required for the establishment, exercise or defence of legal claims.

      Where your personal information is processed for direct marketing purposes, you may, at any time ask us to cease processing your data for these direct marketing purposes by sending an e-mail to the contact e-mails below.

    7. Lodging Complaints.
      1. You should in first place try to resolve the matter by sending an e-mail to the Data Controller under this Privacy Policy from your registered e-mail for the Service:

        iCard AD, Bulgaria, you may contact us at:

        • Data Protection Officer (DPO):

        Business Park Varna No B1, Varna 9023, Bulgaria

      2. Competent Regulator.

        In case you are not satisfied with the reply or resolution of the Data Controller, you have the right to lodge complaints about the data processing activities carried out by us before the competent data protection supervisory authorities as described below.

        Commission for Protection of Personal Data, Bulgaria:


        Sofia 1592

        2 Prof. Tsvetan Lazarov blvd.

        Tel: 02 91 53 518



    To facilitate our global operations we may be required to transfer, store, and process your information within our family of companies or with service providers based in Europe, India, Asia Pacific and North and South America. Laws in these countries may differ from the laws applicable to your Country of Residence. For example, information collected within the EEA may be transferred, stored, and processed outside of the EEA for the purposes described in this Privacy Policy. Where we transfer store and process your personal information outside of the EEA we have ensured that appropriate safeguards are in place to ensure an adequate level of data protection.

    1. EU-US & Swiss-US Privacy Shield.

      Where we disclose any of your collected personal information outside EEA to USA (if applicable), we shall comply with the EU-US Privacy Shield Framework and the Swiss-US Privacy Shield Framework and any other adequacy decision.

    2. Other Means to Ensure an Adequate Level of Data Protection.

      In case personal information is shared with corporate affiliates or third-party service providers outside the EEA in absence of an adequacy decision, we have - prior to sharing your information with such corporate affiliate or third-party service provider – established the necessary means to ensure an adequate level of data protection. We will provide further information on the means to ensure an adequate level of data protection on request.


    We take the responsibility to ensure that your personal information is secure, kept in an encrypted from on servers, collocated in Special data centres in Class A jurisdictions in Europe. To prevent unauthorized access or disclosure of information we maintain physical, electronic and procedural safeguards that comply with applicable regulations to guard non-public personal information. Once you are logged into your Account, all internet communication is secured using Secure Socket Layer (SSL) technology with High-grade security Encryption (AES-256, 256 bit keys, certified by StartCom Ltd). We restrict access to your personally identifiable information only to employees who need to know that information in order to provide products or services to you.

    If you know or have reason to believe that your profile credentials have been lost, stolen, misappropriated, or otherwise compromised or in case of any actual or suspected unauthorized use of your profile, please contact us following the instructions in the Contact Us section below. While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s) and Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current.


    Our website is not designed for individuals under the age of 18. We do not knowingly collect information, including Personal Data, from children or other individuals who are not legally able to use our website. If we obtain actual knowledge that we have collected Personal Data from an individual under the age of 18, we will promptly delete it, unless we are legally obligated to retain such data. Contact us if you believe that we have mistakenly or unintentionally collected information from an individual under the age of 18.


    We reserve the right to modify this Privacy Policy at any time in accordance with this provision. If we make changes to this Privacy Policy, we will post the revised Privacy Policy on our website. If you disagree with the revised Privacy Policy, you may cancel your Account. If you do not cancel your Account before the date the revised Privacy Policy becomes effective, your continued access to or use of our website will be subject to the revised Privacy Policy.


    If you have any questions or complaints about this Privacy Policy or our information handling practices, you may email us from your registered e-mail for the Services to the e-mails stated above.

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