1.1 At RBK Payments Limited, we prioritize the privacy and protection of our website visitors and service users.
1.2 This policy outlines our role as a data controller concerning the personal data of our website visitors and service users. This means we are responsible for deciding how and why your personal data is processed.
1.3 Our website utilizes cookies to enhance user experience. We will seek your consent for the use of non-essential cookies upon your first visit, as they are not critical for our website and services to function.
1.5 Throughout this document, references to “we”, “us”, and “our” denote RBK Payments Limited. For further details about our organization, please refer to Section 13.
2.1 In Section 2, we detail:
2.2 Your interaction with our website and services ("usage data") may be tracked by us. This includes details such as your IP address, geographical location, browser type and version, operating system, referral sources, visit duration, page views, and navigation paths, as well as the timing, frequency, and pattern of your service interactions. This data is gathered through our analytics tracking system and is used to analyze and enhance the website and service usage. The processing is justified by our legitimate interest in monitoring and improving our website and services.
2.3 Your "account data" including your name and email address, may be processed by us. This data comes directly from you and is used for managing our website, delivering our services, securing our website and services, maintaining our database backups, and communication purposes. The processing is based on your consent.
2.4 The "service data" provided during our service use may also be processed by us. This includes information like your name, email address, and telephone number, provided by you. The processing purposes include website operation, service provision, security, database maintenance, and communication, grounded on the contractual relationship between you and us or steps taken at your request to enter such a contract.
2.5 Any inquiries you make about our goods or services ("enquiry data") may be processed for the purpose of offering, marketing, and selling relevant goods or services to you. This is based on consent.
2.6 We may process information relating to our customer relationships, including customer contact information (“customer relationship data”). The customer relationship data may include your name, your employer, your job title or role, your contact details, and information contained in communications between us and you or your employer. The source of the customer relationship data is you. The customer relationship data may be processed for the purposes of managing our relationships with customers, communicating with customers, keeping records of those communications and promoting our products and services to customers. The legal basis for this processing is consent.
2.7 We may process information relating to transactions, including purchases of goods and services, that you enter into with us and/or through our website (“transaction data”). The transaction data may include your contact details, your card details and the transaction details. The source of the transaction data is you and/or our payment services provider. The transaction data may be processed for the purpose of supplying the purchased goods and services and keeping proper records of those transactions. The legal basis for this processing is [the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract and our legitimate interests, namely the proper administration of our website and business.
2.8 Your subscription to our email notifications and/or newsletters involves processing "notification data" for sending you these communications, based on consent.
2.9 "Correspondence data" from any communication you send us, including content and associated metadata, is processed for communication and record-keeping purposes. Our website generates this metadata from communications made through our contact forms. The processing is justified by our legitimate interest in effective administration and user communication.
2.10 We may process any personal data mentioned in this policy as necessary for legal claim establishment, exercise, or defense, supported by our legitimate interests in protecting our legal rights along with those of others.
2.11 For obtaining insurance, risk management, or professional advice, your personal data may be processed, grounded on our legitimate interests in protecting our business.
2.12 Beyond the specific processing purposes listed, we may handle your personal data when necessary for legal compliance, to protect your or another's vital interests.
2.13 Please refrain from providing someone else's personal data to us, unless explicitly requested by us.
3.1 RBK Payments Limited entrusts financial transactions related to our website and services to Equals Connect Limited. We share your transaction data with Equals Connect Limited solely as needed for processing your payments, issuing refunds, and managing any complaints or queries about those payments and refunds. Equals Connect Limited operates under the regulation and licensing of HMRC as a Money Service Business (MSB), with Registration No: 07131446 and Licence No: 12594438. Additionally, it is authorized by the Financial Conduct Authority as an Authorised Payment Institution, holding Firm Reference Number: 671508.
3.2 Your personal data is not shared with any third parties, aside from what's mentioned.
3.3 Beyond the specific instances of personal data sharing outlined in this section, RBK Payments Limited may disclose your personal data if required for legal compliance, to protect your or another person’s essential interests, or for the establishment, exercise, or defense of legal claims. This includes sharing information for both court proceedings and administrative or out-of-court procedures.
4.1 This Section outlines the circumstances under which your personal data may be transferred internationally, outside of the United Kingdom (UK).
4.2 RBK Payments Limited operates with offices and data facilities located in the UK, the United States (US), and India. While the UK has established its own data protection laws post-Brexit, it recognizes certain countries as having adequate data protection regulations comparable to its own. Data transfers to countries that the UK government has deemed to have adequate data protection standards, such as these locations, are safeguarded by appropriate measures, including the adoption of standard data protection clauses that have been approved by the UK data protection authorities.
5.1 In this Section, RBK Payments Limited outlines our policies and procedures for data retention, crafted to ensure adherence to legal obligations concerning the retention and deletion of personal data.
5.2 We hold personal data only as long as necessary for the specific purposes for which it is processed.
5.3 Despite the guidelines mentioned above, RBK Payments Limited may keep personal data if such retention is required to meet legal obligations, or to protect the vital interests of you or another individual.
6.1 RBK Payments Limited reserves the right to modify this policy periodically by posting an updated version on our website.
6.2 We recommend reviewing this page occasionally to stay informed of any policy changes.
6.3 For major updates to this policy, we may also send notifications directly to your email.
7.1 This Section outlines your rights under data protection legislation, as applicable within the United Kingdom. Given the complexity and breadth of your rights, we encourage you to consult relevant legal texts and regulatory guidance for comprehensive insights.
7.2 As a data subject, you are afforded the following principal rights:
(a) The right to access your data;
(b) The right to rectify incorrect or incomplete data;
(c) The right to erase your data under certain conditions;
(d) The right to restrict data processing in specific circumstances;
(e) The right to object to data processing based on particular grounds;
(f) The right to data portability, allowing you to obtain and reuse your data across different services;
(g) The right to lodge a complaint with a supervisory authority; and
(h) The right to withdraw consent at any time.
7.3 You have the right to verify whether we are processing your personal data and, if so, to access the data along with supplementary information. This includes the reasons for processing, the categories of personal data involved, and the recipients of your data. Subject to others’ rights and freedoms, we will provide a copy of your personal data free of charge. However, we may charge a reasonable fee for additional copies.
7.4 Should any of your personal data be incorrect or incomplete, you have the right to have it rectified or completed, taking the purposes of the processing into consideration.
7.5 Under certain conditions, you are entitled to the deletion of your personal data without undue delay. These conditions include instances where the data is no longer necessary, consent has been withdrawn, or the data has been unlawfully processed, among others. Exceptions to this right include when processing is necessary for free speech, compliance with legal obligations, or the establishment, exercise, or defence of legal claims.
7.6 You have the right to restrict processing of your personal data in situations such as contesting the accuracy of data, unlawful processing where you oppose deletion, or when we no longer need the data but you require it for legal claims. If processing is restricted, we may store your data but will process it only with your consent or for legal claims, protection of others’ rights, or important public interest reasons.
7.7 You can object to our processing of your personal data if it is based on our legitimate interests or the performance of a task in the public interest/exercise of official authority. Upon objection, we will cease processing unless we can demonstrate compelling legitimate grounds overriding your interests, rights, and freedoms, or for the establishment, exercise, or defence of legal claims.
7.8 You have the right to object to processing of your personal data for direct marketing purposes, which includes profiling to the extent it is related to such direct marketing.
7.9 If your personal data is processed for scientific, historical research, or statistical purposes, you have the right to object on grounds relating to your particular situation, unless the processing is necessary for public interest tasks.
7.10 Where processing of your personal data is based on consent or necessary for the performance of a contract (and occurs via automated means), you have the right to receive your data in a structured, commonly used, and machine-readable format. This right does not apply if it adversely affects others’ rights and freedoms.
7.11 Should you believe that our processing of your personal information infringes data protection laws, you have the right to lodge a complaint with the UK's Information Commissioner's Office (ICO) or the supervisory authority in the EU member state of your habitual residence, your place of work, or the place of the alleged infringement.
7.12 If our processing of your personal data is based on consent, you have the right to withdraw that consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.
7.13 You may exercise any of your rights regarding your personal data by contacting us in writing.
8.1 A cookie is a small text file composed of a unique identifier (a sequence of letters and numbers) sent from a website's server to your web browser, where it is saved. Each time your browser requests a page from the server, this identifier is sent back, allowing the *8 website to recognize your browser.
8.2 Cookies are categorized as either "persistent" or "session" based: persistent cookies remain in your web browser until their expiration date, unless removed earlier by you; session cookies expire at the close of your browsing session, which occurs when you close your web browser.
8.3 Generally, cookies do not hold information that can identify you personally. However, any personal data we hold about you may be linked to the information obtained from and stored in cookies.
9.1 We use cookies that are required for the functionality and security of our website only.
11.1 You can manage your cookie preferences directly within your web browser to refuse or delete cookies. Since the process can vary depending on the browser and its version, below are links to guides for the most common browsers, providing current instructions on how to block and delete cookies:
11.2 Be aware that blocking all cookies can negatively affect the usability of many websites.
11.3 By choosing to block cookies, you might lose access to certain functionalities on our website, impacting your experience.
10.1 Cookies are employed by our service providers, which may result in them being stored on your computer upon visiting our website.
10.2 To understand and improve the usage of our website, we utilize Google Analytics. This service collects data about website interactions through cookies, aiding in the generation of detailed reports on website activity and usage patterns. You can review Google's approach to data privacy and their use of cookies in their privacy policy, available at: https://policies.google.com/privacy. The specific cookies used by Google Analytics include: [Please insert specific cookie names here, such as _ga, _gat, _gid, etc.].