Overview
Cardaq Limited has developed this privacy policy to explain how we may collect, retain, process, share and transfer your personal data through our services and via our online presence, which includes our website https://cardaq.co.uk/ ("our website"). We are committed to protecting and respecting your privacy. This policy also describes how we use personal data, with whom we share it, your rights and choices, and how you can contact us about our privacy practices. This policy does not apply to third-party websites, products, or services, even if they link to our Services or Sites, and you should consider the privacy practices of those third parties carefully. This policy (together with our Terms and Conditions) constitutes the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By using our services or visiting our website you are accepting and consenting to the practices described below.
Information you provide us
You may provide us information about you by filling in forms on our website or by contacting us via phone (including mobile app), e-mail or otherwise. This includes information you provide when you submit application to open an account, subscribe to our service, search for a product or service on our website, and when you report a problem with our site. The information you provide us may include:
By submitting the application, you confirm that you are authorised and have the necessary consents to disclose the personal data provided in the application to us. We shall not be liable for any claim brought by any individual arising from an act or omission resulting from your failure to ensure that the transfer of the personal data was lawful.
Information we collect about you
Every time you visit our website, we may automatically collect the following information:
We also may collect information about your online activities on our website and connected devices over time and across third-party websites, devices, apps and other online features and services.
Cookies
Our website uses cookies to distinguish you from other visitors of our website. This helps us to provide you with a good and quality service when you browse our website and allows us to improve our website. For detailed information on the cookies we use and the purposes for which we use them see our Cookie Policy.
Use of the received and collected information
We may use the information about you in the following ways:
We may use this information:
We may use this information:
Disclosure of your information
We may share your personal data with any member of our group, which means our affiliated companies, our subsidiaries, our ultimate beneficial owners and their subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
Storage of personal data
We maintain technical, physical, and administrative security measures designed to provide reasonable protection for your personal data against loss, misuse, unauthorised access, disclosure, and alteration. The security measures include firewalls, data encryption, physical access controls to our data centres, and information access authorisation controls. Your personal data is only accessible to a limited number of personnel who need access to the information to perform their duties.
While we are dedicated to securing our systems and services, you are responsible for securing and maintaining the privacy of your password(s) and account/profile registration information and verifying that the personal data we maintain about you is accurate and current. We ask you not to share a password with anyone. We are not responsible for protecting any personal data that we share with a third-party based on an account connection that you have authorised. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of your account has been compromised), please contact us immediately.
Unfortunately, no data transmission or storage system can be guaranteed to be completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
If you are a Cardaq Limited client, we retain your personal data as long as we are providing our services to you. We retain personal data after we cease providing services to you, even if you close your account, to the extent necessary to comply with our legal and regulatory obligations, and for the purpose of fraud monitoring, detection and prevention. We also retain personal data to comply with our tax, accounting, and financial reporting obligations, where we are required to retain the data by our contractual commitments to our financial partners, and where data retention is mandated by the payment methods that we support. Where we retain data, we do so in accordance with any limitation periods and records retention obligations that are imposed by applicable law.
Your rights
You have choices regarding our use and disclosure of your personal data:
If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, we may still send you important administrative messages that are required to provide you with our services.
If you would like to review, correct, or update personal data that you have previously disclosed to us, you may do so by signing in to your Cardaq Limited account or by contacting us.
Depending on your location and subject to applicable law, you may have the following rights with regard to the personal data we control about you:
Where the processing of your personal data is based on your previously given consent, you have the right to withdraw your consent at any time. You may also have the right to object to the processing of your personal data on grounds relating to your particular situation.
In order to exercise your data protection rights, you may contact Cardaq Limited as described in the Contact Us section below. We take each request seriously. We will comply with your request to the extent required by applicable law. We will not be able to respond to a request if we no longer hold your personal data.
For your protection, we may need to verify your identity before responding to your request, such as verifying that the email address from which you send the request matches your email address that we have on file. If we no longer need to process personal data about you in order to provide our services, we will not maintain, acquire or process additional information in order to identify you for the purpose of responding to your request.
If you are a customer of a Cardaq Limited client (“Client”), please direct your requests directly to the Client.
You have the right to access information held about you. Your right of access can be exercised in accordance with the applicable legislation. Any access request may be subject to a fee to meet our costs in providing you with details of the information we hold about you.
International data transfers
Cardaq Limited is a global business. Therefore, your personal data may be stored and processed in any country where we have operations or where we engage service providers. We may transfer your personal data that we maintain about you to recipients in countries other than the country in which the personal data was originally collected, including to the United States. Those countries may have data protection rules that are different from those of your country. However, we will take measures to ensure that any such transfers comply with applicable data protection laws and that your personal data remains protected to the standards described in this Privacy Policy. In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities in those other countries may be entitled to access your personal data.
Changes to our privacy policy
Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.
Links to other websites
Our website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Contact
If you have any questions regarding our privacy policy, please do not hesitate to address them to [email protected].