Privacy Policy

  1. Information We Collect
  2. How We Use the Information We Collect
  3. Sharing of Information
  4. Your Choices
  5. Special Notice for California Residents
  6. Other Notices
  7. Changes to This Privacy Policy
  8. Contact Us

This Privacy Policy describes how Rakuten Card USA, Inc. (“we,” “us,” “our,” “RCUSA”) collects, uses, shares, and protects information in connection with RCUSA’s website and any related services that we offer (“Services”). We are part of the Rakuten Group, which includes the affiliates and subsidiaries of our ultimate parent company, Rakuten Group, Inc., based in Tokyo, Japan.

1. Information We Collect

We collect, process, and use information about you when you:

  • Register for our Services
  • Interact with or use our Services
  • Contact us for support, submit questions, and/or request information
  • Provide feedback

We collect certain information when you submit or provide it to us directly. When you interact with our Services online, we also automatically collect information about you and your use of the Services through the use of log processes, cookies, location-identifying technologies, and other tracking technologies. Certain information is collected about you from third parties, such as when you connect through a third-party service or business partner site.

The types of information we collect about you may include personal information of the following types:

  • Identifiers that you provide us directly, such as your first and last name, address, date of birth, social security number or other identity card number
  • Contact information such as postal address, email address, and/or phone number
  • Financial information, including bank account numbers and/or payment card numbers
  • Transaction information
  • Information contained in employee files, including employment history, evaluations, and information collected during the application and hiring process
  • Identifiers collected through your use of the Services, such as unique online or device identifiers, internet protocol (IP) address, cookies, device or session IDs, and information regarding your system configuration (operating system and version), network, and connected hardware (e.g., computer or mobile device and carrier)
  • Internet and other Network Activity, such as your browsing and search history and your interactions with our site and Services, including:
    • URLs of the pages you visit
    • date and time stamps associated with such browsing, searches, and clicks
    • click stream data, meaning the page by page clicks that you make as you navigate through our Services, including the web page visited before you came to our website
  • Other information that you provide to us including but not limited to government-issued photo ID, photographs of you, proof of address documentation, such as a lease or rental agreement, proof of external bank account, and occupational information
  • Geolocation, to the extent you have configured your device to share such information with us, and locale preferences for your use of the Services
  • Sensory-related information, such as audio recordings of your voice to the extent you call us, as permitted under applicable law
  • Inferences drawn about you and your likely preferences, characteristics, behavior, and attitudes from any information we collect about you

If you are a business customer, we may collect Information relating to your beneficial owners, users, employees, contractors, suppliers, and business partners. Where you provide us with personal information relating to others (such as beneficial owners of a business), you warrant that you have their consent to share the information, are entitled to provide the information for the purposes stated in this Privacy Policy, and you will inform the third party that you have provided the information to us.

If you send us a question, request information, or give us feedback, we may ask you for information to help us respond to your issue, such as your geographical location, professional and demographic information, industry, and preferred contact method.

We use Google Analytics for analytics and measurement to understand how our products are used. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page:

2. How We Use the Information We Collect

We use information we collect about you for the following business and commercial purposes:

To Provide Our Services and Manage Your Account,

including to:
  • Process your application or registration with our Services and to identify you when you sign into your account
  • Verify your identity and comply with applicable law, including anti-money laundering (AML) and sanctions screening rules designed to prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services
  • Collect fees and other amounts owed in connection with the Services
  • Comply with obligations to tax authorities
  • Manage your account and interaction preferences, including your transaction history
  • Facilitate and manage your transactions
  • Send you technical notices, updates, security alerts and administrative messages
  • Diagnose and debug our technical systems
  • Provide you services and support regarding your account and reply to your questions, comments, and requests

To Personalize and Improve Our Services

We may use information we collect about you to create a profile of your preferences to personalize and tailor Services. We may also use information we collect about you to identify usage trends and perform statistical analyses to improve our Services, websites, applications, and marketing efforts in order to provide better services to you in the future.

To Protect You, Others, and our Business

We may use collected information to assess risk and to investigate and limit fraud, spam, and other malicious online activities in our Services, and to improve our security measures. We may also use collected information to assert our legal rights or to defend our legal rights against third parties.

To Comply with Applicable Laws

We may use information we collect about you to enable us to comply with applicable laws, rules, regulations, and judicial authorities in each geographical region in which we operate.

Cookies and Other Similar Technologies.

Our site uses cookies and other similar technology. Cookies are text files that web servers send to your computer for recordkeeping and other purposes. The site may use session cookies (which expire when you close your browser) and persistent cookies (that remain on your computer after you close your browser) until you delete them or they expire. We use cookies for security purposes, to help you navigate the site, to display information more effectively, and to better serve you with tailored information on the site. We also use cookies to gather statistical information about how visitors use the site in order to continually improve its design and function.

Pixel tags, web beacons, clear GIFs, and other similar technologies are used in connection with some site pages to, among other things, track the actions of site users, compile statistics about site usage, associate non-identifiable demographic and preference data with device-related data (e.g., cookie IDs), and in some cases matching that with similar data supplied by other companies. We use, and permit third party vendors to use, this technology that recognize a unique identifier from a cookie placed on your device, and to provide content that is more relevant to you. We also use this technology to compile information about your interaction with email or other communications and determine whether our communications have been opened.

If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to decline the use of cookies. To learn more how to manage cookies, please visit Some features of the site may not work properly if you decline the use of cookies.

The site may contain cookies or similar technologies from third-party providers that help us understand how visitors access our site, use our site, and how the site is performing. This information is used to improve our site and to make our site more intuitive. These technologies enable the third-party providers to set or read their own cookies or other identifiers on your device.

3. Sharing of Information

RCUSA does not share a consumer’s personal information outside of RCUSA except in certain circumstances.

Disclosure to Our Service Providers

We may share all categories of your collected personal information as necessary in order to accomplish the business purpose described above with our third-party service providers (which may include RCUSA affiliates) who perform various business operations, solely for our benefit or on our behalf, under our instructions and in compliance with appropriate contractual, technical, and organizational security measures to protect your data from unauthorized use, retention, or disclosure. For example, we may share your information with the following categories of third- party service providers: financial institutions and bank partners, payment processors, payment networks, identity services, customer service vendors, communications platforms, risk investigation and mitigation tools, transaction dispute processing services, website and app usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services.

These third parties are contractually obligated to secure and refrain from disclosing your information that we disclose or otherwise entrust to them.

Disclosure for Legal Purposes

We may share the information we collect, including personal information, to the extent permitted by applicable law, (i) in response to subpoenas or other legal processes or if, in our good faith opinion, such disclosure is required or permitted by law without a specific disclosure; (ii) at the request of governmental authorities conducting an investigation; (iii) to enforce our terms and conditions or other policies applicable to our Services; and (iv) to protect the rights, property, life, health, security, and safety of RCUSA or any third party.

In Relation to Business Asset Transfers

We may share the information we collect, including personal information, with any third party in connection with, or during confidential negotiations of, any proposed or actual merger, purchase, sale (including a liquidation, realization, foreclosure, or repossession) or any other type of acquisition of all or any portion of RCUSA assets, conveyance or transfer of all or a portion of our business to another company. In such event, the acquiring company would be contractually required to use your collected information in accordance with this Privacy Policy and applicable law or to provide prior notice to you of any new or materially changed practices.

Please note that these third parties may be in other countries where the laws on processing personal information may be more or less stringent than in your jurisdiction. When we disclose your personal information overseas, we will take all reasonable measures to ensure that your information is held, managed, and accessed in accordance with appropriate standards for the handling of personal information.

In addition to the above listed disclosures, we may also share aggregated or de-identified information that cannot reasonably be used by recipients to identify you.

4. Your Choices


By accessing the website and/or using the Services, you are consenting to the practices relating to information collection, storage, and use practices that are described in this Privacy Policy.

Updating Account Information

If you would like to review, correct, or update personal information you have previously disclosed to us, you may do so by contacting us via email at

Data Collection and Sharing Preferences

You may in some cases have the option to decline to provide us with certain information; however, your choice may impact your use of certain features or services for which that information is a necessary component.

5. Special Notice for California Residents

If you are a resident of the state of California, please note that we do not share personal information about you with non-affiliated third parties for direct marketing purposes.

6. Other Notices

Third Party Sites

This Privacy Policy does not address, and we are not responsible for, the privacy practices of any third parties, including those that operate sites to which this site links. Including a link on our site does not imply that we or our affiliates endorse the practices of the linked site. When you access our site, you may be directed to other websites or applications that are beyond our control. We may also allow third-party websites or applications to link to our site or use Session Trackers. We are not responsible for the privacy practices of any third parties or the content of linked websites and applications. We encourage you to read the applicable privacy policies and terms and conditions of such parties, websites, and applications. This Privacy Policy only applies to this site.

Do Not Track

RCUSA does not currently take actions to respond to Do Not Track signals because a uniform technological standard has not yet been developed. We continue to monitor and review new technologies and will modify this Privacy Policy accordingly in the event of a change.

Notice Regarding Information of Minors

This site and any related services are intended for adults 18 years of age or over, and we do not knowingly collect personal information of consumers under 18 years of age.

Retention of Data

We may retain information about you for as long as it is necessary to fulfill the purposes described Section 2. Some of your information may be retained in our systems in order to comply with our obligations under applicable law, resolve disputes, enforce our legal rights, or otherwise use internally in a lawful manner that is reasonably aligned with the expectations of the consumer or compatible with the context in which the information was provided, and to undertake any investigations necessitated by the foregoing. We may retain your personal information for a reasonable time after you close your account or stop using our Services to the extent required and permitted by applicable law. If we do, we’ll continue to handle it as we describe in this Privacy Policy.

Information Security

We take security very seriously and have implemented comprehensive technical and organizational measures to help ensure your data is secure. We have implemented a variety of security measures aimed at preserving the ongoing integrity and protecting the confidentiality of personal information. All of our communications and processing occur through Transport Layer Security (TLS) and Advanced Encryption Standard 256 (AES-256) technologies. Using strong encryption ensures the security of all information, which is saved on our secure database only to be accessible by those authorized with special access rights to such systems. Those authorized are required to keep the information confidential. To help prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. We also use the services of leading companies to process all financial transactions. We evaluate these measures on a regular basis to confirm that they continue to maintain and apply an appropriate level of security.

While we protect our systems and services, you are responsible for keeping your password(s) and account information private. You are also responsible for making sure your personal information is accurate and up to date.

7. Changes to This Privacy Policy

This Privacy Policy is current as of the effective date set forth below. RCUSA reserves the right to change this Privacy Policy from time to time consistent with applicable privacy laws and principles. If we make changes to this Privacy Policy, we will notify you by revising the date on this Privacy Policy. In some cases, we may provide you with additional notice (such as adding a statement to the homepages of our Services or sending you an email notification).

8. Contact Us

If you have any questions regarding this Privacy Policy, please feel free to contact us by mail at Rakuten Card USA, Inc., Attn: Compliance Department, 900 Concar Drive, 3F, San Mateo, CA 94402, or by email at

Updated: June 14, 2022