POLICY UPDATED 25TH MAY 2018 (VERSION 1.0)
This policy explains when and why we collect personal information about you, how we use it, the conditions under which we may disclose it to others and how we keep it secure.
TPL is committed to safeguarding the privacy of your information. By “your data”, “your personal data”, and “your information” we mean any personal data about you which you or third parties provide to us.
We may change this Policy from time to time so please check this page regularly to ensure that you’re happy with any changes.
Transact Payments Limited (“TPL”, “we”, “our” or “us”) is the issuer of your card and is the Data Controller for the personal data which you provide to us in relation to the card. TPL is an e-money institution, authorised and regulated by the Gibraltar Financial Services Commission. Our registered office address is 6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11 1AA and our registered company number is 108217.
We obtain information from third parties (such as employers, joint account holders, credit reference agencies and fraud prevention agencies) who may check your personal data against any information listed on an Electoral Register and/or other databases.
Your provision of your personal data and our processing of that data is necessary for each of us to carry out our obligations under the contract which we enter into when you sign up for our payment services. At times, the processing may be necessary so that we can take certain steps, at your request, prior to entering into that contract, such as verifying your details or eligibility for the payment services. If you fail to provide the personal data which we request, we cannot enter into a contract to provide payment services to you or will take steps to terminate any contract which we have entered into with you.
We may also process your personal data to comply with our legal or regulatory obligations.
On occasion we may have a legitimate interest or those of a third party to process your personal data.
We, or our partners on our behalf, may collect the following information from you when using your account: full name, physical address, email address, mobile phone number, phone number, date of birth, gender, maiden/birth name, birth country, birth city, national insurance number (where applicable and required), citizenship, nationality, login details, secret question and answer details, carWe, or our partners on our behalf, may collect the following information from you when using your account: full name, physical address, email address, mobile phone number, phone number, date of birth, gender, maiden/birth name, birth country, birth city, national insurance number (where applicable and required), citizenship, nationality, login details, secret question and answer details, card delivery address, IP address, identity verification documents.
We collect information relating to the payments which are made to/from your account.d delivery address, IP address, identity verification documents.
We use your personal data to:
– Set up your account, including creating your account, and verifying your identity.
– Maintain and administer your account, including processing your financial payments, processing the correspondence between us, monitoring your account for fraud and providing a secure internet environment for the transmission of our services.
– Comply with our regulatory requirements, including anti-money laundering obligations.
Who do we share your information with?
We pass your information to our third party service providers, agents, subcontractors, program managers and other associated organisations for the purposes of completing tasks, managing your account and providing services to you on our behalf, as detailed above. When we use third party service providers, we have a contract in place that requires them to keep your information secure and confidential.
We pass your information to the following categories of entity:
– Companies and organisations that assist us in processing transactions you make (including but not limited to payment processing service providers) and in providing services that you have requested;
– Identity verification agencies to undertake required verification, regulatory and fraud prevention checks;
– Information security services organisations, web application hosting providers, network backup service providers and software/platform developers;
– Document destruction providers;
– Anyone to whom we lawfully transfer or may transfer our rights and duties under this agreement;
– Any third party as a result of any restructure, sale or acquisition of TPL or any associated entity, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us.
– Regulatory and law enforcement authorities, whether they are outside or inside of the EEA, where the law requires us to do so.
To deliver services to you, it is sometimes necessary for us to share your personal information outside the European Economic Area (EEA), e.g.:
● with service providers located outside the EEA;
● if you are based outside the EEA;
● where there is an international dimension to the services we are providing to you.
These transfers are subject to special rules under European and Gibraltar data protection law.
These non-EEA countries do not have the same data protection laws as Gibraltar and EEA. We will, however, ensure the transfer complies with data protection law and all personal information will be secure. We will send your data to countries where the European Commission has made an adequacy decision, meaning that it has ruled that the legislative framework in the country provides an adequate level of data protection for your personal information. You can find out more about this here.
If you would like further information please contact our Data Protection Officer on the details below.
We will store your information for a period of six years and one quarter after our business relationship ends in order that we can comply with our obligations under applicable legislation such as anti-money laundering and anti-fraud regulations. If any changes to applicable legislation require us to retain your data for a longer period of time, we shall retain it for that period. We will not retain your data for longer than is necessary.
You have certain rights regarding the personal data which we process:
– You may request a copy of some or all of it.
– You may ask us to rectify any data which we hold which you believe to be inaccurate.
– You may ask us to erase your personal data.
– You may ask us to restrict the processing of your personal data.
– You may object to the processing of your personal data.
– You may ask for the right to data portability.
– If you would like us to carry out any of the above, please email the Data Protection Officer at [email protected].
We implement security policies and technical measures in order to secure your personal data and take steps to protect it from unauthorised access, use or disclosure.
While we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us, and you do so at your own risk. Once we receive your information, we make our best effort to ensure its security on our systems. Where we have given (or where you have chosen) a password which enables you to access certain parts of our websites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
We hope that our Data Protection Officer can resolve any query or concern you may raise about our use of your personal information.
The General Data Protection Regulation also gives you right to lodge a complaint with a supervisory authority, in particular in the European Union (or European Economic Area) state where you work, normally live or where any alleged infringement of data protection laws occurred. The supervisory authority in Gibraltar is the Gibraltar Regulatory Authority. Their contact details are as follows:
Gibraltar Regulatory Authority, 2nd floor, Eurotowers 4, 1 Europort Road, Gibraltar.
(+350) 20074636/(+350) 20072166 [email protected]
How to contact us