Kalder Privacy Policy

Kalder Privacy Policy

Kalder Privacy Policy

Kalder Privacy Policy

Last Updated: September 1st, 2024

Last Updated: September 1st, 2024

Last Updated: September 1st, 2024

Last Updated: September 1st, 2024

This Privacy Policy applies to the processing of personal information by Kalder Inc. (“Kalder,” “we,” “us,” or “our”), including on our website available at https://www.getkalder.com and our other online or offline offerings that link to or are otherwise subject to this Privacy Policy (collectively, the “Services”).


The Services enable you to associate your debit and/or credit card (each, a “Card”) with your account(s) for loyalty programs (“Loyalty Programs”) offered and managed by merchants that are customers of Kalder (each, a “Merchant”). This makes it easier for you to participate in these Loyalty Programs.


Kalder does not manage, control, or take responsibility for the Loyalty Programs offered by Merchants. Your participation in a Loyalty Program is governed by the terms and conditions agreed upon between you and the Merchant. Kalder is not a party to these agreements. Any personal information shared with a Merchant will be subject to that Merchant’s privacy policy, and Kalder is not responsible for the processing of personal information by Merchants.

1. Updates to This Privacy Policy 

1. Updates to This Privacy Policy 

1. Updates to This Privacy Policy 

1. Updates to This Privacy Policy 

We may update this Privacy Policy from time to time in our sole discretion. If we do, we’ll notify you by posting the updated Privacy Notice on our website and/or sending other communications.

We may update this Privacy Policy from time to time in our sole discretion. If we do, we’ll notify you by posting the updated Privacy Notice on our website and/or sending other communications.

We may update this Privacy Policy from time to time in our sole discretion. If we do, we’ll notify you by posting the updated Privacy Notice on our website and/or sending other communications.

We may update this Privacy Policy from time to time in our sole discretion. If we do, we’ll notify you by posting the updated Privacy Notice on our website and/or sending other communications.

2. Personal Information We Collect

2. Personal Information We Collect

2. Personal Information We Collect

2. Personal Information We Collect

We collect personal information that you provide to us, information collected automatically when you use the Services, and information from third-party sources.

We collect personal information that you provide to us, information collected automatically when you use the Services, and information from third-party sources.

We collect personal information that you provide to us, information collected automatically when you use the Services, and information from third-party sources.

We collect personal information that you provide to us, information collected automatically when you use the Services, and information from third-party sources.

A. Personal Information You Provide to Us Directly 

We may collect personal information when you:

A. Personal Information You Provide to Us Directly 

We may collect personal information when you:

A. Personal Information You Provide to Us Directly 

We may collect personal information when you:

A. Personal Information You Provide to Us Directly 

We may collect personal information when you:

  • Create or manage your Kalder account (e.g., name, email address, phone number, loyalty program details).

  • Conduct transactions (e.g., transaction details, merchant names, purchase amounts).

  • Communicate with us (e.g., through email or chat).

  • Participate in surveys, promotions, or sweepstakes.

  • Engage with interactive features (e.g., forums, blogs, social media).

  • Attend conferences, trade shows, or events where we collect business contact details.

  • Apply for a job with Kalder.

B. Personal Information We Collect Automatically

We may collect:

B. Personal Information We Collect Automatically

We may collect:

B. Personal Information We Collect Automatically

We may collect:

B. Personal Information We Collect Automatically

We may collect:

  • Device Information (IP address, browser details, device identifiers).

  • Usage Data (e.g., pages visited, clicks, time spent on the site).

  • Cookies and Tracking Technologies (see "Your Privacy Choices and Rights").

C. Personal Information Collected from Third Parties

We may collect personal information from:

C. Personal Information Collected from Third Parties

We may collect personal information from:

C. Personal Information Collected from Third Parties

We may collect personal information from:

C. Personal Information Collected from Third Parties

We may collect personal information from:

  • Merchant partners and third-party retailers that process transactions.

  • Card networks and payment processors.

  • Other third-party sources, if you connect your account with a third-party service.

3. How We Use Personal Information

3. How We Use Personal Information

3. How We Use Personal Information

3. How We Use Personal Information

We use personal information to:

We use personal information to:

We use personal information to:

We use personal information to:

A. Provide the Services

  • Enable you to access and use Loyalty Programs.

  • Manage transactions and process payments.

  • Provide customer support and respond to inquiries.

A. Provide the Services

  • Enable you to access and use Loyalty Programs.

  • Manage transactions and process payments.

  • Provide customer support and respond to inquiries.

A. Provide the Services

  • Enable you to access and use Loyalty Programs.

  • Manage transactions and process payments.

  • Provide customer support and respond to inquiries.

A. Provide the Services

  • Enable you to access and use Loyalty Programs.

  • Manage transactions and process payments.

  • Provide customer support and respond to inquiries.

B. Administrative Purposes

  • Detect fraud, security risks, and unauthorized activity.

  • Improve, optimize, and analyze our Services.

  • Ensure compliance with legal and regulatory obligations.

B. Administrative Purposes

  • Detect fraud, security risks, and unauthorized activity.

  • Improve, optimize, and analyze our Services.

  • Ensure compliance with legal and regulatory obligations.

B. Administrative Purposes

  • Detect fraud, security risks, and unauthorized activity.

  • Improve, optimize, and analyze our Services.

  • Ensure compliance with legal and regulatory obligations.

B. Administrative Purposes

  • Detect fraud, security risks, and unauthorized activity.

  • Improve, optimize, and analyze our Services.

  • Ensure compliance with legal and regulatory obligations.

C. Marketing

  • Send promotional materials (where permitted by law).

  • Personalize offers and promotions based on transaction history.

C. Marketing

  • Send promotional materials (where permitted by law).

  • Personalize offers and promotions based on transaction history.

C. Marketing

  • Send promotional materials (where permitted by law).

  • Personalize offers and promotions based on transaction history.

C. Marketing

  • Send promotional materials (where permitted by law).

  • Personalize offers and promotions based on transaction history.

D. Automated Decision-Making

We may use automated tools for fraud detection, personalization, and analytics.

D. Automated Decision-Making

We may use automated tools for fraud detection, personalization, and analytics.

D. Automated Decision-Making

We may use automated tools for fraud detection, personalization, and analytics.

D. Automated Decision-Making

We may use automated tools for fraud detection, personalization, and analytics.

4. How We Disclose Personal Information

4. How We Disclose Personal Information

4. How We Disclose Personal Information

4. How We Disclose Personal Information

We may disclose personal information:

  • To service providers assisting in payment processing, analytics, and security.

  • To Merchants and partners for Loyalty Program fulfillment.

  • To advertising partners for personalized promotions.

  • To law enforcement or legal authorities, if required by law.

  • In the event of a business transfer, such as a merger or acquisition.

We may disclose personal information:

  • To service providers assisting in payment processing, analytics, and security.

  • To Merchants and partners for Loyalty Program fulfillment.

  • To advertising partners for personalized promotions.

  • To law enforcement or legal authorities, if required by law.

  • In the event of a business transfer, such as a merger or acquisition.

We may disclose personal information:

  • To service providers assisting in payment processing, analytics, and security.

  • To Merchants and partners for Loyalty Program fulfillment.

  • To advertising partners for personalized promotions.

  • To law enforcement or legal authorities, if required by law.

  • In the event of a business transfer, such as a merger or acquisition.

We may disclose personal information:

  • To service providers assisting in payment processing, analytics, and security.

  • To Merchants and partners for Loyalty Program fulfillment.

  • To advertising partners for personalized promotions.

  • To law enforcement or legal authorities, if required by law.

  • In the event of a business transfer, such as a merger or acquisition.

Transaction Data Processing & Usage

We collect and process transaction information, including:

  • Merchant name, transaction amount, date, and location to facilitate rewards tracking.

  • Card-linked purchase data to verify eligible transactions.

  • Data analytics for reporting and marketing insights.


Kalder does not sell personal transaction data to third parties but may use aggregated, anonymized data for analytics.

Transaction Data Processing & Usage

We collect and process transaction information, including:

  • Merchant name, transaction amount, date, and location to facilitate rewards tracking.

  • Card-linked purchase data to verify eligible transactions.

  • Data analytics for reporting and marketing insights.


Kalder does not sell personal transaction data to third parties but may use aggregated, anonymized data for analytics.

Transaction Data Processing & Usage

We collect and process transaction information, including:

  • Merchant name, transaction amount, date, and location to facilitate rewards tracking.

  • Card-linked purchase data to verify eligible transactions.

  • Data analytics for reporting and marketing insights.


Kalder does not sell personal transaction data to third parties but may use aggregated, anonymized data for analytics.

Transaction Data Processing & Usage

We collect and process transaction information, including:

  • Merchant name, transaction amount, date, and location to facilitate rewards tracking.

  • Card-linked purchase data to verify eligible transactions.

  • Data analytics for reporting and marketing insights.


Kalder does not sell personal transaction data to third parties but may use aggregated, anonymized data for analytics.

5. Your Privacy Choices and Rights

5. Your Privacy Choices and Rights

5. Your Privacy Choices and Rights

5. Your Privacy Choices and Rights

A. Your Choices

  • Email Communications: Opt-out via the “unsubscribe” link in emails.

  • Cookies & Tracking: Adjust browser settings to control cookie usage.

  • Personalized Ads: Opt-out via industry self-regulatory programs.

B. Your Rights

Depending on applicable law, you may:

  • Request access, correction, or deletion of your personal information.

  • Object to processing or request data portability.

  • Withdraw consent for certain data processing activities.


To exercise your rights, contact us at admin@getkalder.com.

6. International Data Transfers

6. International Data Transfers

6. International Data Transfers

6. International Data Transfers

Kalder operates in the U.S. and may transfer personal data internationally. We use standard contractual clauses for EU/UK data protection compliance.

7. Retention of Personal Information

7. Retention of Personal Information

7. Retention of Personal Information

7. Retention of Personal Information

We retain personal data as long as needed for legitimate business purposes, including regulatory compliance, dispute resolution, and fraud prevention.

8. Supplemental Notice for EU/UK GDPR

8. Supplemental Notice for EU/UK GDPR

8. Supplemental Notice for EU/UK GDPR

8. Supplemental Notice for EU/UK GDPR

Kalder processes data under the following legal bases:

  • Performance of a contract (e.g., fulfilling transaction-based rewards).

  • Legitimate interests (e.g., fraud prevention, business analytics).

  • Consent, where required (e.g., marketing communications).

9. Children's Personal Information

9. Children's Personal Information

9. Children's Personal Information

9. Children's Personal Information

Our Services are not directed at individuals under 18. If you believe a child has shared personal data, please contact us.

10. Third-Party Websites/Applications

10. Third-Party Websites/Applications

10. Third-Party Websites/Applications

10. Third-Party Websites/Applications

Our Services may link to third-party websites. Kalder is not responsible for their privacy practices.

Our Services may link to third-party websites. Kalder is not responsible for their privacy practices.

Our Services may link to third-party websites. Kalder is not responsible for their privacy practices.

Our Services may link to third-party websites. Kalder is not responsible for their privacy practices.

11. Indemnification & Card Network Inclusion

11. Indemnification & Card Network Inclusion

11. Indemnification & Card Network Inclusion

11. Indemnification & Card Network Inclusion

A. Indemnification

Kalder, its affiliates, and its partners shall not be held responsible for losses, liabilities, damages, costs, or expenses arising from:


  1. Misuse of the Services by the user.

  2. Unauthorized access to accounts.

  3. Third-party actions, including Merchants, financial institutions, and payment networks.

  4. Any disputes between users and Merchants.

A. Indemnification

Kalder, its affiliates, and its partners shall not be held responsible for losses, liabilities, damages, costs, or expenses arising from:


  1. Misuse of the Services by the user.

  2. Unauthorized access to accounts.

  3. Third-party actions, including Merchants, financial institutions, and payment networks.

  4. Any disputes between users and Merchants.

B. Card Network Inclusion

By using the Services, you acknowledge that Kalder works with Visa, Mastercard, American Express, and other card networks to facilitate transactions. These networks may receive transaction-related data to support cashback rewards and Loyalty Programs. Kalder shall not be liable for any actions taken by card networks related to transaction disputes, chargebacks, or compliance requirements.

B. Card Network Inclusion

By using the Services, you acknowledge that Kalder works with Visa, Mastercard, American Express, and other card networks to facilitate transactions. These networks may receive transaction-related data to support cashback rewards and Loyalty Programs. Kalder shall not be liable for any actions taken by card networks related to transaction disputes, chargebacks, or compliance requirements.

12. Contact Us

12. Contact Us

12. Contact Us

12. Contact Us

For privacy-related inquiries, contact:


📧 Email: admin@getkalder.com

📍 US Representative: Chelsea Jia

📍 EU/UK/Turkey Representative: Gokce Guven

For privacy-related inquiries, contact:


📧 Email: admin@getkalder.com

📍 US Representative: Chelsea Jia

📍 EU/UK/Turkey Representative: Gokce Guven