Privacy Policy
This is how Pockit
uses your personal information.
Updated October 2020.
1. About us
Pockit Limited is registered as a data controller
with the Information Commissioner under reference: Z265459X.
If you have any questions, or want more
details about how we use your personal information, just email Pockit’s data protection officer at [email protected].
2. Information we use
Personal information that we use:
· Your contact details: data that allows us to contact you,
including name, email address, phone number, residential address
· Your date of birth
·
Your Nationality
·
Your Residential and Employment Status
· Banking transactional information: information about how you have used and
currently use the Pockit product, including
transactional history, statements, and product holdings
· How you interact with the Pockit
product: information
about the devices and channels you use to interact with the Pockit
website / app
· Location: information identifying computers/devices used to
connect to the internet, including your Internet Protocol (IP) address
· Marketing: information which records your response to
marketing campaigns, including opt-in / opt-out election
· Customer care: records of any exchanges with our Customer
Care team via phone, email and social media (Twitter and Facebook), including
customer complaints
· Your privacy: information which records any exercise of
your rights under privacy regulations
3. Protection of your data by law
Your privacy is protected by law. This
section provides further detail about this.
According to Data Protection laws, we are
allowed to use personal information only if we have an acceptable reason to do
so.
The law says we must have at
least one or more of the following reasons:
To fulfil a contract we have with you, or
When it is our legal duty, or
When it is in our legitimate interest, or
When we have your consent to.
When
we have a business or commercial reason to use your information, this is
classed as a legitimate interest, even then, it must right and best for you
and must not be unfairly used.
We are committed to keeping your data
confidential and secure. We will not sell any of your personal data.
4. Why we collect your personal information
Collect your personal information because of our
contract
Personal data used |
Why? |
· Contact details · Date of birth · Banking transactional information |
To deliver our product and services, including exchanging your data
with third parties |
Collect your personal information because of a
legal obligation
Personal data used |
Why? |
· All the personal information listed in section 2 |
To investigate suspicious activity on your account, including fraud,
money laundering and other financial crime |
· All the personal information listed in section 2 |
To respond to complaints and/or legal claims |
Collect your personal information because of
legitimate interest
Personal data used |
Why? |
· All the personal information listed in section 2 |
To develop new products and services |
· All the personal information listed in section 2 |
To market new and existing products that may be of interest to you if
you have opted into receiving marketing emails from Pockit |
Collect your personal information because you have
opted in
Personal data used |
Why? |
· All the personal information listed in section 2 |
To market new and existing products that may be of interest to you |
5. Where we collect your personal information
We may collect personal information about you
from these sources:
Data you give to us:
When you apply for our products and services:
· When you talk to us on the phone
· When you use our website or app
· When you enter a competition or promotion
sponsored by us or third parties
· When you report any problem with our website
· In emails and letters
· In customer surveys
Data we collect for use of our services
including the amount, frequency, type, location, origin and recipients:
· Payment and transaction data
· Profile data
· Usage data
This includes when you connect to internet
banking. We gather this data from devices you use to connect to those services,
such as computers and mobile phones, using cookies.
Data from third parties we work with:
· Card schemes
· Credit reference agencies
· Fraud prevention agencies
· Government and law enforcement agencies
6. Who we may share your personal information
with
We may be legally obligated to share your information
with other organisations or government agencies,
these include Agents and Advisers who we use to help run your accounts and
services, collect what you owe, and explore new ways of doing business:
Who |
Examples |
Government bodies |
HM Revenue & Customs, regulators, including the FCA, and other
authorities |
Fraud prevention agencies |
ComplyAdvantage – to check financial risk Onfido – to verify your identity Au10tix – to verify your
identify |
Credit reference agencies |
Companies like Experian, Equifax, Callcredit
to help feed into your credit reference |
Companies that support our IT infrastructure |
Zendesk – to assist with
Customer Care Braze – to send you
emails Sengrid – to
send you emails |
Advertising partners |
Search engines e.g., Google, Bing Social media e.g., Facebook, Twitter |
Third parties helping us provide your product or service |
FCA-regulated companies that help us provide the product / services,
our issuer and various third-parties to support our additional lending /
credit products E.g Payrnet Ltd, Monevo Ltd, LoqBox Ltd Our payments
processor Non-regulated third
party companies that help us to provide additional products e.g Switchcraft |
Police and law enforcement |
Police, Information Commissioner's Office |
7. Transferring your personal data
internationally
The
data we collect from you may be transferred to, and stored at, a destination
outside the European Economic Area (“EEA”). It may also be processed by staff operating
outside the EEA who work for us or one of our suppliers. Such staff may be
engaged in, among other things, the fulfilment of your order, the processing of
your payment details and the provision of support services. By submitting your
personal data, you agree to this transfer, storing or processing. We will take
all steps reasonably necessary to ensure that your data is treated securely and
in accordance with this privacy policy.
When
we do transfer data outside of the EEA, we make sure that your data is
protected and the country where the data is transferred has equivalent data
protection regulation and requirements in place based on guidance provided by
the European Commission.
We
also make sure that contracts with organisations Pockit chooses to partner with, include standard working
approved by the European Commission to provide equivalent protection to your
data.
8. Direct Marketing: Email, SMS & Push
Notifications
When you sign up for your Pockit
account we'll ask if you'd like to be contacted about new Pockit
features, offers and tips about your money. If you tell us you're happy to be
contacted, we'll send you information about things you might be interested in
via email, SMS or push notifications.
You'll only get push notifications if you
have the Pockit app and have enabled notifications in
your phone settings. If you wish to stop receiving push notifications just turn
this off in your phone settings.
How to withdraw your consent
You can unsubscribe from our marketing by
clicking the unsubscribe link in any marketing emails we send to you. You can
also change your preferences within your online account, or you can let us know
that you'd like to unsubscribe by emailing us at [email protected].
9. Advertising on other websites and apps
When you visit our website, we may collect
information about your computer, including your IP address, operating system
and browser type, for system administration and to report aggregate information
to inform our advertising. This is statistical data about or your browsing
actions and patterns and does not identify you individually.
For the same reason, we may obtain
information about your general internet usage by using a cookie file which is
stored on the hard drive of your computer. Cookies contain information that is
transferred to your computer's hard drive. They help us to improve our website
and to deliver a better and more personalised
service. They enable us:
· To store information about your preferences,
and so allow us to customise our Site according to
your individual interests.
· To make it easier for you to log on and use
the Site during future visits.
You may refuse to accept cookies by
activating the setting on your internet browser which allows you to refuse the
setting of cookies. Please refer to your internet browser's help section for
specific instructions. However, if you select this setting you may be unable to
access certain parts of our website. Unless you have adjusted your browser
setting so that it will refuse cookies, our system will issue cookies when you
log on to our Site.
For more information about cookies (including
how to set your browser to reject cookies) please visit the website set up by
the Interactive Advertising Bureau (Europe) at www.allaboutcookies.org
10. How long we keep your personal data for
We will keep your personal data for 6 years
after you stop being a Pockit customer in line with
regulatory requirements. We are obligated under the Money Laundering, Terrorist
Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (SI
2017/692) to retain personal data about you and your transactions with us for up
to 5 years. As an appointed agency of an FCA regulated e-money institution, you
can redeem your e-money up to 6 years after the termination of your account.
11. Your rights to your personal data
Your rights to object to restrict our use of
your personal data
You have the right to ask for your personal
data to be restricted if you think:
· It is not correct.
· It you think it has been used unlawfully, but
you do not it deleted.
· It is no longer relevant, but you want us to keep
it for a legal claim.
· You are waiting for us to confirm if we are
allowed to keep on using it but you have already asked us to stop using
your data.
Your rights to object to use processing your
personal data
Data collection is optional, however, if you
decide not to share required personal data with us, it may delay or stop us
from meeting our obligations. This can also mean that we cannot perform
services needed to run your accounts. We are required to collect certain
personal information by law, and/or under the terms of a contract we have with
you. By not sharing the required data with us may mean that we may cancel a
product or service you have with us.
If you want us to stop using your personal
data for any of the above cases, please contact us at [email protected].
Your rights to obtain a copy of your personal
data
You can access the personal information we
hold by emailing [email protected].
12. Use of Cookies
You can read more about how we use cookies
and how you can change your cookie settings on our Cookies Page.
13. Contacting us
If you're unhappy with why or how we've used
your personal data, you can contact us through email at [email protected].
You also have the right to complain to the
Information Commissioner’s Office. If you are unhappy with our response, you
can contact the office or the Information Commissioner at:
Email: [email protected]
Tel: 0303 123 1113
Website:
https://ico.org.uk/global/contact-us/