Security, Privacy and Cookies

You’re in safe hands with us.

Privacy Policy

 

1. Introduction

1.1 In this policy we’ll provide details of how you can help guard yourself against online fraud. We also set out, as data controller, how we’ll act in relation to your data and how we’ll use such data.

1.2 Web security is very important to us, so we take great care to protect you. We also ask that you remember the following:

Keep yourself safe online:

• Keep your devices updated with current anti-virus software, the latest browser versions and operating systems.

• Don’t send us any confidential account information by email or via social media

• Treat emails you receive with caution. Remember that we’ll never ask you to disclose your personal or account information to us by email

• We recommend you regularly visit the Financial Fraud Action website to keep up-to-date with tips to protect yourself from the latest scams

1.3 Browser Use

Our website has been designed to work with a variety of the latest browsers across Mobile, Tablet and Desktop devices.

1.4 Plug-ins

“Plug-ins” are additional software programs required by some websites to make them work properly. An example is Flash Player from Adobe. Our website doesn’t need any plug-ins to work effectively, however you’ll need a PDF reader such as Adobe Acrobat Reader to download certain documents.

2. Source of data

We generally collect personal, secure data from the following sources:

2.1 Information that you provide to us or as set out below:

(i) When you use our websites

(ii) When you fill out contact forms on our websites

3. The data that we may process

3.1 The data that we may process includes the following:

(i) Your Internet Protocol (IP) address, geographical location, login and browser details, operating system, information accessed and loaded, time spent and pages visited, technical information about your computer or mobile device.

(ii) Your contact details

4. The purposes for which we may process your personal data:

4.1 We may process your personal data for the following purposes, to enable us to:

(i) determine how you use our website. The legal basis for this processing is our legitimate business interests, namely so we can monitor the use and effectiveness of our website.

5. Personal data shared with others

5.1 We may disclose your personal data where you have given your consent.

5.2 We may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we’re subject, to protect your vital interests or the vital interests of another natural person or to HM Revenue & Customs, regulators and other authorities.

6. International transfers of your personal data

6.1 We’ll only send your data outside of the European Economic Area (‘EEA’) to:

(i) Follow your instructions

(ii) Comply with a legal duty

(iii) Work with our agents and advisers who we use to help run your accounts and services.

6.2 If we do transfer information to our agents or advisers outside of the EEA, we’ll make sure that it is protected in the same way as if it was being used in the EEA. We’ll use one of these safeguards:

(i) Transfer it to a non-EEA country with privacy laws that give the same protection as the EEA. Learn more on the European Commission Justice website.

(ii) Put in place a contract with the recipient that means they must protect it to the same standards as the EEA. Read more about this here on the European Commission Justice website.

(iii) Transfer it to organisations that are part of Privacy Shield. This is a framework that sets privacy standards for data sent between the US and EU countries. It makes sure those standards are similar to what is used within these emails, or on any website you’re directed to the EEA. You can find out more about data protection on the European Commission Justice website.

7. Retaining and deleting personal data

7.1 This Section 7 sets out our data retention policies and procedures, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal data.

7.2 Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

7.3 It’s our policy generally to retain your personal data for 6 years after our relationship with you ends although this may be extended where there are specific regulatory requirements to do so.

8. Amendments

8.1 We may update this policy from time to time by publishing a new version on our website.

8.2 We may notify you of changes to this policy through the Online Servicing site on our website.

9. Your rights

9.1 You’ve the right to ask us about your personal data that we process. You can ask for access to the data as well as other information including the reasons for processing, categories of data and recipients of data.

9.2 You can ask us to rectify any inaccurate or incomplete data.

9.3 If you consider that it’s no longer necessary to process your data, you can ask us to erase this data.

9.4 You can also ask us to restrict the use of your personal data where you think the data is inaccurate, if it has been processed unlawfully, processing is no longer relevant but you want us to keep the data for use in legal matters and issues or where you’ve asked us to stop processing the data and you’re waiting for our response. Where we restrict processing, we’ll not process or share your data in any other way except if you give consent, for legal claims, to protect the rights of others or for an important public interest reason.

10. About cookies

10.1 Cookies Policy

A cookie is a text-only string of data, which often includes a random unique identifier that is sent to your computer or mobile phone browser from a website’s computer and is stored on your device. Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other websites.

We’re committed to ensuring that all site visitors’ privacy is protected and that they have a positive experience on our websites. We use cookies to provide you with the best possible online experience on our websites. However, if you’d like to, you can change your cookie settings at any time. Most cookies are there to support processes and will expire when the browser is closed. Any persistent cookies are to improve user experience.

If cookies are enabled, during the course of any visit to our websites, the pages you see, along with a cookie, are stored to your device. On a repeat visit the Cashplus website may check to see, and find, any cookie left there on the last visit to enable us to present personalised features. Cashplus might also look at IP addresses to add general information about the country, city or region in which you’re located, along with your domain (e.g. what internet service provider you use).

Cookies can’t be used by themselves to personally identify you. They can be used for marketing purposes, to create a profile of your engagement with Cashplus websites and if you’ve already given some personal details to track your activity on our websites.

10.2 We use the following cookies on our websites:

Session cookies

 

These are temporary cookies that remain in the cookie file of your browser until you close the browser. They enable information to be maintained across pages of our site pursuant to providing you with a better experience.

These cookies can’t personally identify you and they’ll expire when you close down your browser.

Persistent cookies These remain in the cookie file of your browser for much longer (though how long will depend on the life time of that specific cookie). These cookies help Cashplus recognise you as a unique visitor (just a randomly generated number) when you return to our website and to allow us to tailor content or advertisements to match your preferred interests or to avoid showing you the same adverts repeatedly.

On some of our sites, as with session cookies, they also enable information to be maintained across pages of our site and avoid you having to re-enter information.

Google Analytics Google Analytics cookies collect and store information on how visitors are interacting with our website. For example, what webpages are visited most often, how long for, and what device you use to visit these pages.

We use these cookies to ensure areas of our website are working correctly and that we’re providing users with relevant information. No identifiable information can be stored in or obtained from these cookies.

Learn more about Google Analytics Cookies and Privacy 

Google Ad-Preferences

 

Google sets a cookie on your browser that anonymously captures your interests allowing their advertising partners to present products and services on their websites that are relevant to you. Google are in full control of these cookies.

You can change your Google Ad-Preferences or find out more about Google Ad-Preferences by visiting: www.google.com/ads/preferences/

Amazon Ad tracking Amazon pixels collect and store information on visitors who have interacted with our website after clicking on an advert on Amazon. The code will place an anonymous cookie on your browser, which will only be used for tracking which clicks converted to applications. Cookies are collected anonymously, under a privacy safe domain “amazon-adsystem” and do not comingle with Amazon’s retail data. You can find out more at https://www.amazon.co.uk/gp/help/customer/display.html?ie=UTF8&%2AVersion%2A=1&%2Aentries%2A=0&nodeId=201149560.

You are able to opt out of receiving interest-based ads from Amazon by visiting https://www.amazon.co.uk/adprefs or by visiting http://www.youronlinechoices.com/uk/

Third Party Cookies Additional authorised Third Parties serve cookies via our sites, under our direct control. These are used for the following purpose:

To compile anonymous, aggregated statistics that allow us to understand how visitors use our site and to help us improve the structure of our website. We can’t identify you personally in this way.

 

 

10.3 Cookie Settings

Most browsers will have a default ‘medium’ cookie setting, allowing 1st party cookies but blocking 3rd party cookies. You can change your cookie settings, and remove specific cookies, via your browser through the following paths:

• Internet Explorer: Tools > Internet Options > Privacy

• Firefox: Tools > Options > Privacy

• Google Chrome: Settings > Privacy > Content Settings

10.4 Blocking all cookies will have a negative impact upon the usability of many websites.

10.5 If you block cookies, you’re not be able to use all the features on our website.

11. Our details

11.1 This website is owned and operated by Advanced Payment Solutions Ltd (APS), with Cashplus as the trading name.

11.2 APS is registered in England and Wales under registration number 04947027, and our registered office is at 6th Floor, One London Wall, London EC2Y 5EB.

12. Data protection officer

12.1 Our data protection officer’s contact details are: dpo@cashplus.com. You can contact us to exercise any of your rights in relation to the processing of your data and on any matters that are covered by this policy