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WHY EQUALS MONEY

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PRIVACY POLICY

At Equals Money we take your privacy seriously. Read our policy to find out how
we use your personal details and keep it safe.

Who are we?

Equals Money is part of Equals Group PLC. Equals Money is a trading style of
Equals Money PLC (registered in England & Wales No. 05539698).
‍
What personal information do we collect?

Most personal data is collected directly through the application process. The
sources of any personal data collected indirectly will be mentioned in this
statement. Whether or not you become a customer, we may ask you for (but not
limited to) your: title, name, nationality, current address, date of birth,
email address, mobile phone number, home phone number, personal data about other
cardholders.
You must have the authority of other Directors, shareholders and cardholders to
provide their personal data to us and share this privacy policy with them
beforehand.
You are free to withdraw your consent at any time. This may result in us not
being able to do certain things for you.

How do we use your information?

The way we collect and use data is always lawful. We use your personal data to
provide information on the services you have requested or products you have
ordered.

Data is collected and used on a lawful basis where our interests do not outweigh
your interests which is outlined below.

We use your data to:

Provide our products and services to you under contract. We:
‍

 * Take steps prior to entering into a contract.
 * Decide whether to enter a contract.
 * Manage and perform a contract.
 * Make sure our records are up to date.
   ‍

Fulfil our legal obligations:
‍

 * When you exercise your rights under GDPR (General Data Protection Regulation)
   and make requests.
 * For compliance with legal and regulatory requirements, and related
   disclosures.
 * For the establishment and defence of legal rights.
 * For activities relating to the prevention, detection and investigation of
   crime.
 * To verify your identity and prevent fraud and money laundering, including
   sharing the data we have collected from you with fraud prevention agencies.
   By law, we are required to review transactions and report any which may be
   suspected of being related to money laundering activities.
 * To monitor communications (emails, calls and other) and activities on your
   account.
   ‍

Carry out our legitimate interests, without acting against your privacy rights:
‍‍

 * For good governance, accounting, managing and auditing our business.
 * For market research, analysis and developing statistics.
 * To detect, prevent and investigate fraud, money laundering and other crimes
   and to verify your identity in order to protect our business. 
   ‍

With your consent, we:
‍‍

 * Send you marketing communications.
 * Disclose your personal data to other people or organisations when you ask us
   to.
 * Process any special categories of personal data at your request.
 * Provide cookie information. To find out more about how and why our website
   uses cookies, please read our Cookie policy.
   ‍

How long do we hold on to your information?


We keep your data whether you become an Equals Money customer or not:
‍‍

 * For as long as it takes to deal with your query
 * For as long as you might legally bring a claim against us
 * After your account has been closed or otherwise come to an end based on our
   legal and regulatory requirements
   ‍

What are your rights?
‍

Under GDPR (General Data Protection Regulation), you have:
‍‍

 * The right to be informed
 * The right of access
 * The right of rectification
 * The right of erasure
 * The right to restrict processing
 * The right to data portability
 * The right to object
 * Rights in relation to automated decision making and profiling
   ‍

If you would like further information about data protection you can visit the
Information Commissioner’s Office (ICO) at ico.org.uk. The ICO is the UK’s
independent authority set up to uphold information rights in the public interest
and data privacy for individuals. We comply with all ICO regulatory and
statutory requirements. You have the right to make a complaint to the ICO
regarding the handling of your data.

Fraud prevention and money laundering checks

We may use your personal details in order to conduct identity checks as required
by law as a measure to prevent money laundering.
‍
The personal data we have collected from you at application or any stage may be
shared with fraud prevention agencies. We are required by law to review
transactions and report any which may be suspected of being related to money
laundering activities.
‍
Automated decision making

We may process your personal data without human intervention to evaluate your
personal situation, such as transactional history and account-opening
anniversary events. We may do this to decide what marketing communications might
be suitable for you, to analyse statistics and to assess risks.

This is all done on the basis of our ‘legitimate interests’, to protect our
business, and to develop and improve our products and services. If we use
automated decision making including profiling activity to assess your
application, this will be performed on the basis of it being necessary to
perform the contract.
‍
Sharing your information
‍
We will not sell, share, or rent your information to others except as set out in
this policy.
‍
We may share your information with:
‍

 * Organisations that provide operational services relating to the performance
   of the Equals Money cards or services that you use. Our strategic partners
   are, where required by law, authorised and regulated to the required
   standards.
 * Suppliers, such as card producers, when it is necessary in order to fulfil
   our obligations to you in setting up and maintaining your account.
 * The purchaser of the company or the purchaser of its assets in the event of
   the sale of the company or its assets.
   ‍

While our website may contain links to other sites, we are not responsible for
their privacy practices or content.
‍

Merchants

We won’t provide your details to third parties, such as sellers who accept
payment from you using your Equals Money card. We have no responsibility or
liability for their practices.
‍
When we collect information (e.g. on hobbies and lifestyle) from competitions,
we won’t share this with sellers, however we may occasionally share
unidentifiable, aggregate data.

Transferring your information overseas

We might transfer your personal data outside of the UK and EEA (European
Economic Area). In this event, we will always take all necessary steps to ensure
the data is held securely and processed in line with applicable laws to the UK.
‍
Opting out of marketing preferences

You are free to opt out of receiving all marketing communications from us and
our strategic partners at any time by contacting us or logging into your online
account.
‍
Should you be opted in to receive email correspondence, there is an unsubscribe
link in each email we send out, if you use this, we will not send any
unsolicited mail to your registered email address.
‍
Communications regarding changes to existing products or services held, our
terms, conditions and policies are important and sometimes critical. You may not
opt out of receiving these communications.

Use of cookies

Our website uses cookies. A cookie is a piece of data stored on your computer's
hard drive that identifies your computer while you are using our site. Once you
shut down your browser software, the cookie simply terminates until you re-enter
the site.

Cookies have a number of uses. For example, cookies are part of the mechanism
that allows you to sign in and out of our website rather than having to enter
your password repeatedly during a session. Cookies can be used for analytics
purposes to estimate the number of users to our site. Once you are logged in,
cookies can be used to enable us to track and target your interests to enhance
your experience on our site. They may also be used for other purposes, such as
to maintain the security of the site and provide information on what we need to
do to provide administration support to the site. Some of our strategic partners
use cookies on our site (for example, advertisers). However, we have no access
to or control over these cookies.

We provide specific details about the cookies we use and the reasons for using
these cookies in our Cookie policy to enable site visitors to make an informed
decision and thus provide informed consent.

Reviewing, correcting or updating your personal data
‍
If any of your details are recorded incorrectly and need to be changed, please
contact us on 0345 034 9998 with details of the required changes and the reasons
for the change. Proof of change of address may be needed.

Customer Services opening times:

Monday to Friday 08.30am – 17:00pm
‍
Alternatively you can write to the Data Protection Officer (DPO) regarding
accessing your personal data or any part of this privacy policy by writing to
Equals Money, Vintners Place, 68 Upper Thames Street, London, EC4V 3BJ or
emailing privacy@equalsmoney.com.
If we make any changes to our privacy policy, we will notify you by email to
your registered email address so you will always know what information we
collect, how we use it and under what circumstances, if any, we disclose your
personal data.

If we want to change the use of personal information we have already collected
about you, we will notify you by email. If you have not provided us with your
email address you must regularly check the website for an up to date version of
the privacy policy. It is then up to you to decide whether you will let us use
your information in this way. We will use information in accordance with the
most recently published privacy policy.

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Equals Money is a trading style of FairFX PLC (Registered in England & Wales No.
05539698). FairFX PLC is part of Equals Group PLC (Registered in England & Wales
No. 08922461). Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames
St, London, EC4V 3BJ. FairFX PLC is authorised by the Financial Conduct
Authority to provide payment services (FCA No. 488396).Equals Money cards are
issued by Fair Payments Limited pursuant to license by Mastercard International
Inc. Fair Payments Limited is authorised by the Financial Conduct Authority to
conduct electronic money service activities under the Electronic Money
Regulations 2011 (Ref: 900493). Equals Spend Cards are issued by Valitor Limited
pursuant to licence by Mastercard International Inc. Valitor is authorised by
the Financial Conduct Authority to conduct electronic money service activities
under the Electronic Money Regulations 2011 (Ref: 900688). © 2020 All rights
reserved. Mastercard is a registered trademark, and the circles design is a
trademark of Mastercard International Incorporated.

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