Last updated: July 3, 2026
This Privacy Policy describes how Cardonexus ("Cardonexus," "we," "us") collects, uses, and protects information in connection with our customer communications platform for banking, including the Telephone Banker, Text Banker, AI Banker, Mobile SDK, Agent Desktop, and Web/API channels (collectively, the "Platform").
Cardonexus is a B2B platform: our direct customers are financial institutions. This policy addresses (a) information we collect from financial institutions and their authorized users, and (b) information processed on behalf of financial institutions about their end customers, which we handle under contract and applicable banking regulation.
Cardonexus applies encryption in transit and at rest, authentication and authorization controls, and audit logging across the Platform. Access to end-customer data is scoped to what each channel and service requires to execute a given action.
We retain data for as long as needed to provide the Platform, meet audit and regulatory retention requirements, and in accordance with the retention terms agreed with each financial institution customer.
We do not sell personal information. We share information with subprocessors and infrastructure providers strictly as needed to operate the Platform, and with regulators or law enforcement where legally required.
Financial institutions using the Cardonexus Text Banker™ channel send customer-requested, transactional text messages only — for example, one-time passcodes, PIN change confirmations, fraud alerts, security notifications, deposit notifications, low balance alerts, and other customer-enabled account notifications. No marketing or promotional messages are sent through this channel.
Mobile phone numbers and related SMS opt-in information are not shared with third parties or affiliates for marketing or promotional purposes.
Message frequency varies based on account activity and customer-selected alert preferences. Message and data rates may apply, according to your wireless carrier. Reply HELP for assistance or STOP at any time to opt out of SMS messages.
See our SMS Banking page for full program details.
If you are an end customer of a financial institution using Cardonexus, requests regarding your personal information should generally be directed to your financial institution, who controls that data. Financial institution customers may contact us directly for platform-level data requests.
We may update this policy as the Platform or applicable law changes. Material changes will be reflected by updating the "Last updated" date above.
Questions about this policy can be sent to privacy@cardonexus.com.
