Last Updated: February 2026
This Privacy Policy describes how Sigma Information Technology FZCO, incorporated in Dubai, United Arab Emirates, operating under the brand name Topex Card (“Topex Card”, “we”, “us”, “our”), collects, uses, processes, stores, and discloses your personal information when you use our website topexcard.com, mobile applications, and related services (collectively, the “Services”).
We are committed to protecting your privacy and handling your personal information in a transparent and secure manner.
By accessing or using our Services, you acknowledge that you have read and understood this Privacy Policy.
WHAT THIS POLICY COVERS
This Privacy Policy explains:
- What personal information we collect
- How and why we collect and use your personal information
- When and with whom we may share your personal information
- How we protect your personal information
- Your rights and choices regarding your personal information
We process personal information under one or more of the following legal bases:
- Performance of a contract
- Compliance with legal obligations
- Legitimate business interests
- Consent, where required by law
This Policy applies when you:
- Use the Topex Card website or mobile application
- Register for or use Topex Card services, accounts, cards, or loyalty programs
- Participate in promotions, campaigns, surveys, or referral programs
- Contact us or interact with us through customer support or social media
COLLECTION OF PERSONAL INFORMATION
We collect personal information to provide, operate, and improve our Services.
Important:
Credit/debit card details will not be stored, shared, rented or leased by Topex Card to any Third Party. Payment processing is handled by our authorized payment gateway provider.
Information You Provide to Us
When you register or use our Services, we may collect:
- Full name
- Email address
- Mobile number
- Date of birth
- Gender
- Residential address
- Account login credentials (securely encrypted)
- Preferences and interests related to our Services
Information Collected Automatically
When you use our website or mobile app, we may collect:
- Transaction details (amounts, dates, merchants, rewards earned or redeemed)
- Device information (device type, operating system, browser, IP address)
- Log data and usage activity
- Approximate or precise geolocation (where permitted by law and device settings)
Loyalty & Rewards Data
When you participate in Topex Card loyalty or rewards programs, we may collect:
- Points earned, redeemed, or expired
- Tier status and upgrade history
- Eligible transactions linked to rewards
Communications & Support
When you contact us or participate in promotions, surveys, or campaigns, we may collect:
- Information you provide in messages or forms
- Customer support interactions
- Feedback, survey responses, and questionnaire submissions
- Engagement data from emails or notifications (e.g., opens and clicks)
Information from Third Parties
We may receive information from:
- Payment processors
- Banking and card-issuing partners
- Marketing and analytics providers
- Publicly available sources
This helps us improve data accuracy, prevent fraud, and enhance our Services.
WHY AND HOW WE USE YOUR PERSONAL INFORMATION
We use your personal information to:
Provide and Operate Our Services
- Create and manage your Topex Card account
- Process transactions, rewards, and refunds
- Provide customer support
Personalize Your Experience
- Customize offers, rewards, and content
- Improve user experience based on usage patterns
Marketing & Communications
- Send service-related messages and updates
- Provide promotional communications (where permitted and with consent)
- Measure and improve marketing effectiveness
Improve Our Platform
- Analyze usage trends
- Enhance functionality, security, and performance
- Develop new features and services
Legal & Security Purposes
- Prevent fraud and misuse
- Comply with legal and regulatory obligations
- Enforce our terms and protect our rights
SHARING PERSONAL INFORMATION
We may share your personal information with:
Service Providers
Trusted Third Parties who help us operate our Services, such as:
- Payment processors
- Cloud hosting providers
- Analytics and marketing platforms
- Customer support tools
They may only use your information to perform services on our behalf.
Partners & Merchants
Where required to complete transactions, deliver rewards, or provide partner services.
Legal & Regulatory Authorities
When required by law, regulation, court order, or governmental request.
Business Transfers
In connection with a merger, acquisition, restructuring, or sale of assets, subject to applicable confidentiality safeguards.
INTERNATIONAL DATA TRANSFERS
Your personal information may be stored or processed outside your country of residence. Where requried, we implement appropriate safeguards such as contractual protections or equivalent legal mechanisms.
HOW WE PROTECT YOUR PERSONAL INFORMATION
We implement administrative, technical, and physical security measures to protect your personal information.
However, no system is completely secure, and we cannot guarantee absolute security.
SOCIAL MEDIA
We maintain official pages on social media platforms to communicate with users.
We are not responsible for the privacy practices of those platforms or content posted by Third Parties.
DATA RETENTION
We retain personal information only for as long as necessary to:
- Fulfill the purposes outlined in this Policy
- Provide our Services
- Comply with legal and regulatory obligations
- Resolve disputes and enforce agreements
MARKETING COMMUNICATIONS
You can opt out of marketing communications at any time using the unsubscribe option or account settings.
Service-related communications will still be sent when necessary.
COOKIES AND SIMILAR TECHNOLOGIES
We use cookies and similar technologies (“Cookies”), to personalize and improve your customer experience as you use our Website and Mobile App. Cookies help us to provide important features and functionality on our Website and Mobile App, and we use them to improve your customer experience. We use Cookies to do the following:
- Improve platform performance
- Remember user preferences
- Deliver relevant advertising
- Analyze usage trends
You can use your browser settings to accept or reject new Cookies and to delete existing Cookies. If you choose to disable some or all Cookies, you may not be able to make full use of our platforms. For example, you may not be able to select an item, proceed to checkout or use some of our products and services that require you to sign in.
YOUR RIGHTS
Subject to applicable law, you have the right to:
- Access your personal information
- Correct inaccurate information
- Request deletion of your data
- Restrict or object to processing
- Withdraw consent
- Request data portability
- Lodge a complaint with a data protection authority
To exercise your rights, please contact us using the details provided below.
PERSONAL INFORMATION OF MINORS
Topex Card does not provide Services to minors (those under the age of 18 years). Hence, we do not collect, process or store any personal information related to minors.
CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. Updates will be posted on our platforms and take effect when published.
GOVERNING LAW
This Privacy Policy is governed by and construed in accordance with the laws of the Emirate of Dubai, United Arab Emirates.
Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the competent courts of Dubai, U.A.E.
CONTACT US
Address: Sigma Information Technology FZCO
Email: [email protected]
Website: topexcard.com