Privacy & Cookie Policy

This website/application is owned and run by Quantum Card Services. We respect the privacy of every individual who visits our website/application. This statement describes the information that we may ask you for and the ways in which we may use that information. It also tells you how you can check that the information about you which we keep is accurate and how you can instruct us to erase this information from our files. We follow the Data Protection Act 2018 and UK GDPR principles when dealing with personal subject data.

In this policy "we", "us", "our" and “ours” means Quantum Card Services Ltd and "you" means the person using the website/application.

1. Company Intentions and Responsibilities

Intentions and Objectives: In the course of our business it is necessary to record, store, process, transmit, and otherwise handle private information about individuals. We take these activities seriously and provide fair, secure, and fully-legal systems for the appropriate handling of this private information. All such activities are intended to be consistent with both generally accepted privacy ethics and standard business practices.

Our Responsibilities: We take reasonable efforts to ensure that all private information maintained is accurate, timely, relevant, and complete. We also make reasonable efforts to ensure that all private information is used only as intended and that precautions preventing misuse are both effective and appropriate. We are responsible for establishing appropriate controls to ensure that private information is disclosed only to those who have a legitimate business need for such access. We will establish and maintain sufficient controls to ensure that all information is free from a significant risk of undetected alteration.

2. Purpose of Processing

Collect only necessary information: In general we may collect (via website registration), process, store, transmit, and disseminate only that private information that is necessary for the proper functioning of our business and providing the service to issue and manage prepaid financial products to you. The data is used to follow compliance with anti-money laundering legislation. We are required to establish the identity of our customers and where necessary share this information with third parties.

Your Rights Regarding Data Held

a) Access: You have the right to ask us to disclose to you information we hold about you. To request this, please contact customer service by email at contactus@qcs-uk.com or phone +44 (0)203 409 4432 (Calls will be charged at the standard geographic UK rate and are included in your fixed line inclusive call volume. For non-BT and mobile phone users, please check with your service provider). We will ask certain security questions to establish your identity as required for regulatory purposes. We will provide this information to you as quickly as possible, no later than one month.

b) Right to rectification: If you believe the information we hold about you is incorrect, you can contact us to update it. To do this please contact customer service by email at contactus@qcs-uk.com or phone +44 (0)203 409 4432 (Calls will be charged at the standard geographic UK rate and are included in your fixed line inclusive call volume. For non-BT and mobile phone users, please check with your service provider). We will ask certain security questions to establish your identity as required for regulatory purposes, including evidence of new data provided for validation.

c) Right to be forgotten: Due to our regulatory obligations we must maintain personal data as stated for statutory periods. We operate within the financial sector and are required by law to hold financial data for 7 years. In this instance any request to delete data is overridden by HMRC (UK) requirement to hold data for 7 years.

d) Restrict: Due to our lawful obligation to maintain data, we cannot restrict data processing. We will update data if requested for inaccuracies.

e) Portability: We will provide data under request but cannot transfer to another third party under request.

f) Object to processing: You have the right to object to us holding your data but this may result in us being unable to provide you with a prepaid financial product. If you believe we should not hold your data please contact customer service by email at contactus@qcs-uk.com or phone +44 (0)203 409 4432 (Calls will be charged at the standard geographic UK rate and are included in your fixed line inclusive call volume. For non-BT and mobile phone users, please check with your service provider). We will ask certain security questions to establish your identity as required for regulatory purposes. We have the right to decline your objection if we believe we are required legally to retain data for statutory purposes.

3. Data Retention
We will retain your data for as long as is required for statutory purposes. We operate within the financial sector and are required by law to hold financial data for 7 years. In this instance any request to delete data is overridden by HMRC (UK) requirement to hold data for 7 years.
We periodically review the data we hold and delete anything we don’t need. It will be destroyed by shredding or by other destruction methods approved by the Information Security department. If we cannot delete data this will be for either legal, regulatory or technical reasons.

4. Private Information about Customers

Consent for Collection required: the collection of private information on prospects, customers, and others with whom we do business is customary and expected. However, we will not collect private information from prospects or customers without having obtained their knowledge and consent.

Consent for Uses Required: Before you place an order, activate a card or otherwise disclose private information, we will inform you about the ways that this private information will be used, and the third parties, if any, to whom the information will be disclosed.

Collection of Unnecessary Information: We will never require the provision of prospect or customer private information that is unnecessary for the provision of information, for the completion of a transaction, or for the delivery of products or services.

Opting out from Unsolicited Contacts: You can inform us that you do not wish to be contacted through unsolicited direct mail, email marketing, telemarketing and related promotions. We will observe and act on these requests. We will diligently observe the unconditional right of individuals to block data about them from being included in mailing lists or calling lists, block the sale of data about them to third parties, and to have data about them erased from direct marketing lists.

Sharing of Customer Information: We do not disclose specific information about customer accounts, transactions, or relationships to unaffiliated third parties for their independent use, except under certain circumstances. These circumstances for example will be during the registration stage where we will use a third party to search your record at credit reference and fraud prevention agencies. These searches are to check your identity and we do not carry out any credit reference checks or credit scoring for this purpose.

Disclosure for marketing purposes will always require prior consent from the customer to opt in.

Use of Outsourcing Organisations: We may outsource some or all of our information handling activities, and it may be necessary to transfer prospect and customer information to third parties to perform work under an outsourcing agreement. In all such cases, the third parties involved must sign a confidentiality agreement prohibiting them from further dissemination of this information and prohibiting them from using this information for unauthorised purposes.
Processing your information, as described above, may involve sending it to other countries outside of the EEA including the United States of America. In such circumstances we are responsible as Data Controllers for making sure that your information continues to be protected under these regulation.

The Personal Data we Collect:
Name, Address, Contact details – email and mobile telephone number, Date of Birth, and in some instances we also request Governmental Tax Identity, Passport, Driving License and National ID card details.

Our legal data for processing for the personal data:
We operate within the financial sector and are required by law to hold financial data for 7 years. In this instance any request to delete data is overridden by HMRC (UK) requirement to hold data for 7 years.

Consent
By consenting to this privacy notice you are giving us permission to process your personal data specifically for their purposes identified. Consent is required for our third parties to process personal data, but it must be explicitly given except where the third parties are required for us to fulfill our contractual obligations to provide agreed services.
Where we are asking you for sensitive personal data we will always tell you and how the information will be used. You may withdraw consent at any time but this may result in us being unable to provide you with a prepaid financial product.

Disclosure
We will not pass on your personal data to third parties (without first obtaining your consent) outside of fulfilling our contractual obligations to provide agreed services.

Any legitimate interests pursued by us or third parties we use are as follows:
The following contracted third party service providers will receive your personal data for the following purpose as part of the contractual processing activities

COOKIE POLICY

Cookies 
Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your computer's hard drive.
We use cookies to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some areas of our Website may become unavailable to you.

Managing cookies on this website 
We use cookies on our Website to make your browsing experience better. You can control how cookies are placed on your device and remove existing cookies; all you have to do is change your web browser settings. Please be aware that restricting cookies may affect the functionality of our Website.

What types of cookies do we use? 
The type of cookies used on most websites can generally be put into 1 of 4 categories, based on the International Chamber of Commerce guide to cookie categories:

1. Necessary Cookies
   These cookies are essential, as they enable you to move around a website and use its features, such as accessing secure areas. Without these cookies, services you've asked for can't be provided. These cookies don’t gather information about you that is used for marketing or remembering where you've been on the Internet.
2. Performance Cookies
   These cookies collect information about how you use a website, for example which pages you go to most often and if you get error messages from certain pages. These cookies don’t gather information that identifies you. All information these cookies collect is anonymous and is only used to improve how a website works. These cookies are not used to target you with online marketing. Without these cookies we can't learn how our website is performing and make relevant improvements that could better your browsing experience.
3. Functionality Cookies
   These cookies allow a website to remember choices you make (such as your user name, language or the region you're in) and tailor the website to provide enhanced features and content for you. For instance, a website may be able to provide you with local weather reports or traffic news. These cookies can also be used to remember changes you've made to text size, font and other parts of pages that you can customise. They may also be used to provide services you've asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymous and they cannot track your browsing activity on other websites. Without these cookies, a website cannot remember choices you've previously made or personalise your browsing experience.
4. Targeting Cookies
   These cookies are used to tailor marketing to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information may be shared with other organisations such as advertisers. Although these cookies can track your visits to other websites, they don’t usually know who you are. Without these cookies, online advertisements you encounter will be less relevant to you and your interests.

What happens to cookies that have been downloaded in the past?
Cookies set prior to you changing your settings may still be on your computer. You can remove them using your browser settings.

Log Data
We collect information that your browser sends whenever you visit our Website ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics. In addition, we may use third party services such as Google Analytics that collect, monitor and analyse this.