• Is Halocard anonymous?

  When you make a payment using Halocard, you can use a custom name and billing address for your virtual cards, instead of your actual personal details. Also known as payment-masking, this ensures: Your personal details and funding source are not shared with merchants Your individual purchases do not appear on your bank statements Your spending activity is visible only inside your Halocard account With Halocard, your identity is verified, but your spending remains private. ThisFew readers

• What will my bank statement show when I use Halocard?

  When you fund your Halocard account using a credit or debit card, Apple Pay or Google Pay, your bank statement will show a single transaction labeled “HALOCARD” for the amount you loaded. If you deposit funds via stablecoins, crypto or bank transfer, there will be no record of this on your bank statement. Individual purchases made with Halocard, including the merchant name, amount, and transaction status, are not visible to your bank and do not appear on your primary bank or card statemFew readers

• What happens to my personal data when I use Halocard?

  We've gone to great lengths to minimise the data we collect and store and if we don't need it, we don't ask for it. That extends to the sensitive stuff too: we don't hold any identity verification documents, transaction records, funding and bank account details, or audit and compliance records on our own servers. Instead, this data lives with our regulated partners, our identity verification provider, issuing bank, and payment processor, who each handle it under their own privacy policies forFew readers

• How secure is my data when I use Halocard?

  We also employ multiple security controls to keep your data safe: We do not store user data on our servers Sensitive data collected during onboarding like identity documents are sent and stored exclusively by our verification provider. Virtual card details and transaction history are stored exclusively by our issuing bank. We query this information only when required. Payment method details, for example a debit card number used for funding, are entered via PCI-compliant, payment procFew readers

• How can I delete my account and remove my data?

  We're sorry to hear Halocard hasn't met your expectations and we're happy to help delete your account and remove any data stored on our servers. For users who have NOT deposited funds to Halocard In the top-right hand corner click the (?) icon and choose Delete My Data. For users who are verified or have an active subscriptiFew readers

• Why does Halocard require identity verification?

  Identity verification is required to prevent fraud, money-laundering and comply with the FinCEN Customer Identification Program (CIP) Requirements for Banks regulation in the United States. These rules require financial institutions to collect and verify enough information to have a reasonable belief that each customer is who they claim to be before opening an account. Why did we choose Sumsub for our identity checks? We evaluated several verificaFew readers

• Why did my identity check fail?

  Occasionally, identity checks can be declined for different reasons, including: Document problems - An identity document could be unreadable or have missing details. Details don’t match - The details on a document don't match the details provided, or those from an external database. Identity can’t be confirmed - The selfie doesn't match the document or there were anomalies detected. Fraud or suspicious activity - Non-genuine or altered documents, or suspicious behaviFew readers

• Why has my account been suspended?

  Halocard accounts can be suspended for the following reasons: Merchant abuse - Activity that gets around terms and conditions or takes unfair advantage of offers, trials, or refunds. Prohibited transactions - The account was used for purchases that aren't permitted under our terms. Suspicious or fraudulent activity - Fraudulent, unauthorised, or non-genuine activity detected on the account. Payment or balance issue - An outstanding payment, failed charge, or balanceFew readers