Document effective 1st February 2021
This privacy notice aims to give you information on how we collect and process your personal data through your use of this website or our app, including any data you may provide when you purchase a product or service, sign up to our newsletter, take part in a competition or survey, or apply for a job with us. We may also collect and use information about you that is provided by third parties. This website is not intended for children and we do not knowingly collect data relating to children.
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows.
Identity Data includes your name, username or similar identifier, marital status, title, date of birth, gender, personal description and photographs.
Contact Data includes contact address, delivery address, email address and telephone numbers.
Telephone Log Information includes phone number, calling-party number, forwarding numbers, time, date and duration of calls, SMS routing information and types of calls, and the content of any calls.
Device and Location Data includes information on your mobile phone network, on the operating system you use, information that enables identification of your device. If you use our app we will link your mobile number to your device. Location information provided by our technology using your IP address or GPS sensors.
Financial Data includes bank account and payment card details.
Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.
Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.
Profile Data includes your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses.
Usage Data includes information about how you use our website, products and services.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.
We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
If you fail to provide personal data to us we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
There are various ways we collect data from and about you, including through:
Direct Interactions. You may give us your Identity, Contact and Financial Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you: apply for our products or services, create an account with us, subscribe to our service or publications, request marketing to be sent to you, enter a competition, promotion or survey or give us some feedback.
Third parties or publicly available sources. We may receive personal data about you from various third parties and public sources such as analytics providers, advertising networks, search information providers, business partners, subcontractors in technical, payment and delivery services, data brokers or aggregators, credit reference agencies, Companies House.
We may have to share your personal data with the parties set out below for the purposes set out in the table in section 3 above.
Internal Third Parties. Other companies that are related directly or indirectly with us (acting as joint controllers or processors) who are based in EEA and non-EEA countries and provide services for us.
External Third Parties. Business partners, subcontractors, suppliers and professional advisers. Including lawyers, bankers, market researchers, auditors and insurers based in EEA and non-EEA countries who provide consultancy, banking, legal, insurance and accounting services.
Credit reference and fraud prevention agencies, regulators and other authorities (based in EEA and non-EEA) who require reporting of processing activities in certain circumstances.
Police and other law enforcement bodies.
Third parties to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
International transfers. The majority of the time the data we collect about you will be stored and processed on servers in the UK. However, occasionally your information may be stored or processed outside of the UK in order for us to fulfil our contractual obligations to you and provide our products and services. Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
We may transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data by the European Commission.
Where we use certain service providers in EEA countries, we will use specific contracts approved by the European Commission which give personal data the same protection it has in Europe.
The transmission of information via the internet can never be 100% secure. While we will do our best to protect your personal data we cannot guarantee its security and any data you send to us via our website or our App 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.
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
By law we have to keep basic information about our customers including Contact, Identity, Financial and Transaction Data for six years after they cease being customers for tax purposes.
In some circumstances you can ask us to delete your data: see the Request erasure section below under “Your Legal Rights” for further information. In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
We have the following types of cookies on our website: Google Analytics cookies and cookie which our hosting provider sets for technical reasons to balance the traffic.
We are also using Facebook and Twitter tracking pixels.
You have rights under data protection laws with regards to your personal data. You will find more details of these rights below:
Request access to your personal data.You may at any time review or update personally identifiable information that we hold about you, by signing in to your account on our website. To obtain a copy of any information that is not provided on our website you may send us a request at firstname.lastname@example.org
Request correction of your personal data.We will be happy to correct or update any incomplete or inaccurate personal data of yours which we hold. We may need to verify the accuracy of the new data you provide us. If you need to correct any data please contact us at email@example.com
Request erasure of your personal data.You may request the removal or deletion of your personal data if there is no good reason for us to continue to hold it or process it. However please note that we may not always be able to comply with your request due to legal reasons which we will make clear to you. We are obliged to hold on to certain data for a minimum of 6 years. It may be impossible to permanently delete your information, where this is the case we will put that information beyond reasonable use. Please note that any information you have shared publicly on our website may remain available. If you wish to request erasure please contact us at firstname.lastname@example.org
Object to 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 as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms. If you wish to make this request please contact us at email@example.com
Request restriction of processing of your personal data.This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data's accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
Request transfer of your personal data.You may ask us to transfer your personal data to you or a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you. But please note that we may also need to retain it. If you wish to request this please contact us at firstname.lastname@example.org
Right to withdraw consent.You may withdraw your consent at any time where we are relying on consent to process your personal data. But if you do withdraw your consent we may not be able to provide you with our products and services, if this is the case then we will inform you of it. Withdrawing your consent does not affect the lawfulness of any processing of your data that was carried out before you withdrew your consent.
Fees.Usually there is no fee required to access your personal data or to make any of the other requests outlined above. However we may decide to charge a reasonable fee if your request is clearly unfounded, repetitive or excessive, or we may even refuse to comply with your request. We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated. We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
“We”, “us” or “our”means Depoway.
Legitimate Interestmeans the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us at email@example.com
Performance of Contractmeans processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
Comply with a legal or regulatory obligationmeans processing your personal data where it is necessary for compliance with a legal or regulatory obligation that we are subject to.
EEAmeans the European Economic Area
182-184 High Street North,
E6 2JA, London
Depoway Savings app is offered by Depoway Ltd. Depoway Ltd is a private company limited by shares incorporated in England and Wales with the company number 12820673. The registered office address is at Office 300b, 182-184 High Street North, E6 2JA London, UK.
Depoway has been appointed as a distributor of electronic money on behalf of Modulr FS Limited. Modulr FS Limited is authorised by the Financial Conduct Authority as an Electronic Money Institution (FRN: 900573). Modulr FS Limited is registered at Scale Space, 58 Wood Lane, London, W12 7RZ, UK.
Trademarks, trade names and logos are displayed as registered trademarks of their respective owners. They do not imply affiliation to or support for Depoway.
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Customer funds are held by Depoway in trust on its behalf with savings accounts provided by Depoway partner banks. These are insured by the Financial Services Compensation Scheme (FSCS). Customer funds are insured by the FSCS up to 85,000 GBP per bank. However, it should be noted that this insurance limit applies to all customer funds held in a given bank, including those outside the Depoway Savings app. The customer is obliged to control their funds covered by the insurance in a given bank. For more information on FSCS insurance, please visit here.