Prepaid Mastercard® Card Privacy Policy

1. About this privacy policy

This is a Privacy Policy for  prepaid Mastercard® Card website, a platform  through which we administer the card programme(“Programme”)

In order to provide you with access to the prepaid Mastercard® Card website  and for you to own and use a prepaid Mastercard® card, we need to use and store your information.  Please read this Policy carefully to understand our views and practices regarding your personal information and how we will treat it. In addition to this Privacy Policy you need to review the Terms of Use as you will be bound by those terms when using the prepaid Mastercard® Card website .

2. Information you provide

We will collect and use personal information that you provide to us in connection with prepaid Mastercard® Card website . We also collect information when you:

• fill in forms, communicate with us by phone, e-mail or otherwise
• register to use the prepaid Mastercard® Card website
• provide documents to verify who you are.

The information we collect in this manner will usually include your name, address, e-mail address, date of birth and phone number. You may be required to provide documents such as a copy of their passport or driving license to verify their identity.  The prepaid Mastercard® Card website is continually being improved and developed and as such further information may need to be collected from you from time to time.  You will be notified of any further information required and the reason behind this when visiting the site.  You will always retain the right not to have to provide any information requested from you. 

We don’t normally ask for (or otherwise collect) sensitive personal information about you. In the unlikely event that we do, we’ll ensure that such information is kept private and secure.

3.  Information we collect about you.

Your use of the prepaid Mastercard® Card website will generate information, some of which will relate to you. We may collect and analyse this information, including the following:

• technical information, including the Internet protocol (IP) address used to connect your computer to the Internet (an IP address is a unique number assigned to your computer when you are using your browser on the internet), your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform
• information about your visit to prepaid Mastercard® Card website, including the full Uniform Resource Locators (URL) clickstream to, through and from the Website (including date and time), , page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number
• Transactional information including what you spent and where.

We may also combine your information with information about other people, which will then be aggregated and anonymised. The resulting information, which will not identify you specifically, can be used to help us analyse and improve prepaid Mastercard® Card website. It may also help us improve our business and may be shared with our customers and suppliers to assist them.

4. Information we receive from other sources.

As an invited user we will already hold some information about you, and we may combine that with information that we collect in connection with prepaid Mastercard® Card website. 

We work closely with third parties (including, other companies in our corporate group, business partners and processors). We share and receive information with these third parties where necessary in order to operate prepaid Mastercard® Card website.

 Please see section 6 for further details.

5. How and why we use your information

We need to use your information to operate the prepaid Mastercard® Card website. This includes using information to the extent required in order to:

• assess your eligibility for a prepaid Mastercard® Card by way of an approved automated decision making process.  If necessary it is also possible to carry out a manual assessment.
• provide you with information about rebates  and services which we believe are relevant to you
• ensure we provide you with content which is relevant and do so in an effective manner
• as part of the prepaid Mastercard® Card  website we will analyse the performance of the Programme and service.  This analysis is used  to ensure it is working for us and for you.  In the course of providing this analysis, it may be necessary for your personal information to be analysed.  Reports may be produced to show which areas of the Programme are more successful than others to ensure the continued improvement.
• notify you about changes to the Website, prepaid Mastercard® Card  or our services

Technical information we collect about your use of the prepaid Mastercard® Card  website may be used for administrative purposes (e.g. maintaining the Website), research and analysis (e.g. to see how many visitors the Website has) and also for the security and maintenance of prepaid Mastercard® Card and the Website.

We use personal information in the manner set out above because we need to in order to:

• pursue our legitimate interests in operating the prepaid Mastercard® Card  website and providing rewards to individuals (provided this isn’t be overridden by your rights);
• enter into, or perform, a contract with you;
• comply with a legal duty;
• protect your vital interests.

We may also use information with your consent, but we will make it clear when we do this. In any event, your information will only be used for the purpose(s) we collected it for (or else for a closely related purpose, such as record keeping).

If you enrol on the Website and participate in prepaid Mastercard® Card we may send you e-mails about prepaid Mastercard® Card, its features and services from time to time. These e-mails will only be directly related to prepaid Mastercard® Card and your participation in it.

6. Disclosure of Your Information

We respect the privacy of your information and won’t share it with third parties, except in a few cases where necessary for the purposes set out above.  The recipients of your information may include:

• other companies within our corporate group;
• the issuing bank  -  https://www.wirecard-cardsolutions.co.uk/privacy-policy/
• suppliers and sub-contractors including:
  • fraud prevention agencies;
  • referencing agencies.

Where we share personal information with a third party, we will take steps to ensure that your data is properly protected.

In addition to the situations above, we may share information if the need arises because:

• we are involved in a takeover or merger with another business (and, in these situations, data about prepaid Mastercard® Card and its participants may be one of the assets which is transferred);
• we are under a legal duty to disclose your information (for example, we are required by law enforcement or a court order);
• the sharing is required in order for us or a third party to enforce a contract (including the terms of prepaid Mastercard® Card );
• to protect the rights, property, or safety of the participants of prepaid Mastercard® Card, or others.

7. Where We Store Your Personal Data

We store personal information within the European Economic Area (EEA). In the event that we do have to transfer your personal information outside of the EEA then we will take steps to make sure adequate levels of privacy protection, in line with UK data protection law, are in place. These safeguards will usually be contractual and/or the result of a European Union decision which allows the transfer (for example, a US organisation which is certified under the EU-US Privacy Shield framework).

All information you provide to us is stored on our secure servers. Where you have been provided with (or where you have chosen) a password which enables you to access the Website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure and even the best policy cannot protect your online privacy and security in all circumstances. We will do our best to protect your personal information, however, we cannot guarantee the security of your personal information transmitted to the Website.  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.

8. How long we store your information for

We only store personal information so long as it is required for the purpose(s) we it collected for (or for a related compatible purpose, such as keeping a record of a transaction). We regularly review what personal information we have and delete that which is no longer necessary.  In certain situations you have the right to request that your personal information be deleted (the right to be forgotten), please see section 10 for further details.

9. Cookies

 A cookie, also known as an HTTP cookie, web cookie, or browser cookie, is a small piece of data sent from a website and stored in a users' web browser while a user is browsing a website.

The Website uses cookies to distinguish you from other users of the Website and to deliver to you your individual view of prepaid Mastercard® Card website. This helps us to provide you with a good experience when you browse the Website and also allows us to improve the Website. For detailed information on the cookies we use and the purposes for which we use them see our Cookie Policy.

10. Your Rights

We respect your right to access and control your personal information.  Part of this is making sure you understand your legal rights, which are as follows:

• the right of access to your personal information, .  These requests are subject to any relevant legal requirements and exemptions, including identity verification procedures.  Before providing personal information to you, we will ask for proof of identity and sufficient information about your interaction with us so that we can locate any relevant personal information;
• the right to have certain personal information provided to you in a portable electronic format, or transmitted to another data controller, where technically feasible;
• the right to have inaccurate personal information rectified, please remember that you can request an update to your account information by using the “Contact Us” option on the prepaid Mastercard® Card website;
• the right to object to your personal information  being used for our or a third party’s legitimate interests, or for direct marketing purposes;
• the right not to be subject to automated decision making and profiling;
• the right to restrict how your personal information is used ;
• the right to be forgotten, which allows you to have your personal information  erased in certain circumstances,  we will always consider all requests in accordance with the ICO and FCA guidance and relevant laws and will always balance your interests with the following areas where it is necessary to retain your personal information  :
  • to exercise the right of freedom of expression and information;
  • to comply with a legal obligation for the performance of a public interest task or exercise of official authority.
  • the exercise or defence of legal claims

11. Changes to Our Privacy Policy

Any changes we may make to this 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 this Privacy Policy.

12. Contact

Questions, comments and requests regarding this Privacy Policy and your personal information are welcomed and should be addressed to Data Protection Manager, 1, Vantage Court,  Newport Pagnell, Buckinghamshire MK16 9EZ or by emailing data.protection.manager@eu.biworldwide.com

If you are not happy with our response, or you believe that your data protection or privacy rights have been infringed, you should contact the UK Information Commissioner's Office, which oversees data protection compliance in the UK. Details of how to do this can be found at www.ico.org.uk.