Privacy Policy Contis Group Limited or third party acting on its behalf (“we”, “us” or “our”) is committed to protecting and respecting your privacy. This policy together with our Cookie Policy, our Terms and Conditions and any other documents referred to in them, sets out the basis on which any personal data we collect from you, or that we collect about you, on www.credecard.com (our “Website”), or when you communicate with us by email, telephone or post will be processed by us. We will be the data controller of your personal data which you provide to us or which is collected by us about you. This means that we are responsible for deciding how we hold and use personal data about you and that we are required to notify you of the information contained in this policy. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. If you have any queries, you can contact us using the details provided at the end of this policy in the “Contacting Us” section. Ensuring the lawful use of your personal data We will only use your personal data where we have a lawful basis to do so. We will usually only use your data: 1. where it is necessary for us to enter into and/or perform a contract with you (for example, to create your account and provide our services to you). 2. in a way which might reasonably be expected as part of running our business and which does not materially impact your interests, rights or freedoms. For example, we might collect technical information about you when you visit our Website or App to improve your experience on our Website or App. Please contact us using the details below if you would like further information about this. 3. to comply with our legal obligations. For example to pass on details of people who are involved in fraud and to carry out anti-money laundering checks. 4. In some cases, where you have consented to us using your data, for example, where you subscribe to our email newsletter. Further details of how we will use your personal data are provided below. What information we collect from you and how we use it When you apply to create an account When you apply to create an account on our Website or App, we will need to collect the following details about you: • Name • Residential addresses (current and previous) • Business name • Business address • Date of birth • Gender • Email address • Telephone numbers • ID document numbers such as passport, driving licence or ID card. • Image or photo of you We will use this information for the purposes of processing your application and, if your application is successful, creating and managing your account and providing any products or services you request to you. If you have consented, we will also send our newsletter to you by email. You will not be able to apply to create an account or order products or services from us without providing this information. Fraud and money laundering checks In order to process your application and before we fulfil your order and provide services, goods or financing to you, we will use the information you provided to create your account to undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. This may involve sharing your personal data with fraud prevention agencies. We will continue to carry out these checks on a regular basis while you are a customer of ours. When we and fraud prevention agencies process your personal data, we do so on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested. We, and fraud prevention agencies, may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime. Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years. Automated decisions As part of the processing of your personal data, decisions may be made by automated means. This means we may automatically decide that you pose a fraud or money laundering risk if: • our processing reveals your behaviour to be consistent with that of known fraudsters or money launderers; or is inconsistent with your previous submissions; or • you appear to have deliberately hidden your true identity. You have rights in relation to automated decision making: if you want to know more please contact us using the details below. Consequences of processing If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested or we may stop providing existing services to you. A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details below. Other than the automated processing set out above, we shall not carry out solely automated decision-making using your personal data. When you contact us When you contact us, we will need to collect personal data about you to verify your identity before we disclose any information to you for data security purposes. We will be unable to deal with your query unless you provide the information we request. We may also collect any other personal data you choose to provide to us when communicating with us. We will only use that personal data for the purposes of dealing with your enquiry. Other uses of our Website or App We will also collect any other personal data that you provide to us when you use our Website or App, such as when you participate in discussion boards, social media functions or competitions. Each time you visit our Website or App, we may automatically collect the following information: • Technical information: including the Internet protocol (IP) address used to connect your computer to the internet, your login information, browser type and version, operating system and platform; and • Information about your visit, including the URL clickstream to, through and from our site (including date and time); pages, resources and/or products you viewed or searched for; page response times, errors, length of visits to certain pages, page interaction, and methods used to browse away from the page. When we communicate with you by email, we may automatically collect the following information: • Information about your interaction with our emails, including whether you have opened the email, the number of times the email is accessed, and your interaction with email content including the links you have clicked. We will use the above information in order: • to administer our Website/App and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes to comply with our legal obligations; • to improve our Website/App to ensure that content is presented in the most effective manner for you and for your computer / device; • as part of our efforts to keep our Website/App safe and secure to comply with our legal obligations; • to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you; and • to make suggestions and recommendations to you and other users of our Website/App about goods or services that may interest you or them. The information we receive from other sources We are also working closely with third parties (including, for example identity verification agencies, marketing agencies and fraud prevention agencies) and we may receive information about you from them for the purposes of identity verification, marketing and fraud prevention. Change of purpose We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need to use your personal data for an unrelated purpose, we will usually notify you and we will explain the legal basis which allows us to do so. Disclosures of your information We will disclose your information to: • Fraud prevention agencies, identity verification services and other organisations for the purposes of preventing fraud and money laundering. For example, we share your personal data with CIFAS when we carry out our fraud prevention and anti-money laundering checks and if we suspect that you have committed fraudulent activity; • Our group companies, for the purposes of processing transactions and providing services relating to your account; • Third party service providers and agents, such as • IT companies eg CHESS who provide local IT support for our UK offices; • telephony companies eg PRS Telecom who provide our telephone systems; • payment schemes eg Visa who are our card payment provider; • card manufacturers eg TAG who are one of our approved card manufacturers; • auditors eg ECSC who audit our compliance to PCIDSS standards • distributors and agents of ours who market and provide services to you for the account and card in order to allow us to manage our business and to provide the products and services to you. • Other third parties, with your consent, who may contact you by email to provide you with information about their products and services which may be of interest to you. For example, People Value who provide our rewards programme on your account; • In the event that we sell or buy any business or assets, to the prospective seller or buyer of such business or assets; • If Contis Financial Services or substantially all of its assets are acquired by a third party, to the acquiring third party; or • A third party if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms and Conditions and other agreements; or to protect the rights, property, or safety of Contis Financial Services Limited, our customers or others. Protecting your information Your data is secured by encryption, firewalls and Secure Socket Layer (SSL) technology. This is industry standard encryption technology which manages the security of messages transmitted across the internet. When we receive your data, we store it on secure servers which can only be accessed by us. We store your passwords using one way encryption which means we do not know what your password is. Storing your data within and outside the EEA Our third party data host provider uses servers located in the US to store personal data. As a result, when you use our Website or App, your personal data will be transferred to the US which is located outside of the European Economic Area and so is not governed by European data protection laws. However, we have entered into the standard contractual clauses (Model Clauses) adopted by the European Commission with OrcsWeb Inc, in order to safeguard personal data when it is accessed from outside of the European Economic Area . We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this policy when it is transferred, stored or processed in this way. Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose the standard contractual clauses (Model Clauses) adopted by the European Commission on the recipients of that data in order to safeguard personal data when it is accessed from outside of the European Economic Area. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing. More information about the Model Clauses is available here http://eur-lex.europa.eu/legal-content/en/TXT/?uri=CELEX:32010D0087. Social media If you connect or integrate any social media services with services we provide, you may receive social notifications either from us or from third party companies providing social media services on our behalf. You can manage these social notifications through changing your privacy settings on the relevant social media site or discontinuing any interaction. If you register and provide information to a forum or blog on our Website or App, the information you provide will be published and will be publicly available on our Website or App. It may also be used to address any concerns or complaints about our services directly with you if you are an account holder. Future changes Any changes we make to our policy will be put on our Website and App and, where appropriate, notified to you by e-mail. Please check for updates from time to time. Retention of your Data We will retain your personal data for as long as you continue to use our services. Thereafter, we may retain your information for an additional period as is permitted or required under applicable laws. For example: • If you hold an account with us, your personal data will be retained for five years after the closure of your account to comply with our obligations under anti-money laundering regulations; • If you make a complaint, your personal data relating to that complaint will be retained for five years from the resolution of that complaint to defend against legal claims; and • If you make any transactions on your account, your personal data relating to that transaction will be retained for seven years from the date of the transaction to comply with taxation and accountancy legislation. Your rights Data protection laws provide you with the following rights to: • request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it; • request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected; • request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have exercised your right to object to processing (see below); • request the restriction of processing of your personal data. This enables you to ask us to suspend the processing of personal data about you, for example if you want us to establish its accuracy or the reason for processing it; and • request a copy of your personal data which you have provided to us, in a structured, commonly used and machine-readable format and the right to transfer it, or to require us to transfer it directly, to another controller. You also have the right to object to the processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal data for direct marketing purposes. You will not have to pay a fee to access your personal data (or to exercise any of the other rights above). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances. We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that personal data is not disclosed to any person who has no right to receive it. Where we rely on your consent to process your personal data, for example if we need your consent to send you any direct marketing, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact us using any of the details set out below in the “Contacting Us” section. Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law. If you are unhappy about how your personal data has been used please refer to our complaints procedures, details of which can be found in your account Terms and Conditions. You also have a right to complain to the supervisory authority, which in the United Kingdom is the Information Commissioner's Office https://ico.org.uk/, which regulates the processing of personal data. Contacting us If you have any questions about this policy, you can contact us by using the ‘Contact us’ facility on our Website or in the following ways: By post at: Data Protection Officer Contis Financial Services Navigation House Belmont Wharf Skipton North Yorkshire BD23 1RL By email at: DPO@contis.com By telephone at: 01756 693245