Data Protection Officer
We have appointed a Data Protection Officer ("DPO"). Our DPO has a number of important responsibilities including:
If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact us on [email protected].
You have the right to make a complaint at any time to the Regulator. We would, however, appreciate the chance to deal with your concerns before you approach the regulator so please contact us in the first instance.
So that we're clear and there's no misunderstanding about how we handle your personal data, we will:
For more information on how these types of data are used and for which purposes then please see the table below.
We use information held about you in the following ways:
For example, we may use credit reference bureaus to carry out credit searches on you, so that, when you apply for credit products or when we suggest credit products to you via the Eversend App, we will be able to tailor our credit offering to your needs. The use of credit reference bureaus and fraud prevention agencies is not limited to such agencies based in your country and includes such agencies overseas. Any such search under this section may leave a footprint on your credit file. You acknowledge that we may carry out such credit search in the knowledge that it may leave a footprint on your credit history. We do not allow joint account holders, however in certain circumstances credit reference agencies may link your record with your spouse, partner or other financial associate. In certain circumstances, you are entitled to access your personal records held by credit and fraud prevention agencies. If you would like details of the credit reference and fraud prevention agencies from which we have obtained or may obtain information about you, please contact us. You can withdraw your consent to be credit searched at any time by contacting a member of our support team.
We will never disclose identifiable information about individuals to advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 1000 men aged under 35 have clicked on their advertisement on any given day). We may also use such aggregate information to help our advertising partners provide a tailored and targeted campaign, relevant for a sub-section of our users (for example, men in Nairobi). In some instances we may use personal data we have collected from you to enable our advertising partners to display their advertisement to their target audience.
We have established a 'Privacy' section within the 'Profile' section of the App where you can view and make certain decisions about your personal data use in relation to marketing emails and push notifications. Please see the 'Privacy' section within the 'Profile' section of the App for more details.
We will obtain your express opt-in consent before we share your personal data with any company outside the Eversend group of companies for marketing or promotional purposes.
You can ask us or third parties to stop sending you marketing messages at any time by adjusting your marketing preferences via 'Privacy' section found within the 'Profile' tab of the App or by following the unsubscribe links on any marketing message sent to you.
This is in order to verify your identity, protect against fraud, comply with anti-money laundering laws and to confirm your eligibility to use our products and services. Please note that if fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by contacting Eversend support.
This is in order to safely and securely store your data with Eversend;
Financial services providers that help us provide the Eversend Services including banking partners, banking intermediaries and international payments services providers;
For the purpose of assessing your credit score. Please see section 4.3 above for more information;
For the purpose of creating your personalised Eversend card and delivering this to you at your requested address;
In order to provide a unified service across all of our products and services, we may disclose your personal information to any member of the Eversend group, which means any of our subsidiaries or related entities. Companies in the Eversend group will be acting as joint controllers or processors in order to provide the Eversend Services. For example, we may share your data with Eversend Ltd, a subsidiary of Eversend SAS, in order to provide other services you may sign up for.
Any payment transactions carried out by us or our chosen third-party provider of payment processing services will be encrypted using Secured Sockets Layer technology or a secure virtual private network. Where we have given you (or where you have chosen) a password that enables you to access certain parts of our App and/or our Site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our servers or our Site; any transmission 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.
Ensure when using these features that you do not submit any personal data that you do not want to be seen, collected or used by other users.
Also, we are under further regulatory obligations to retain your data for a certain amount of time. You have the right to redeem your e-money up to six years after termination of your Eversend Account. We therefore use this retention requirement as a benchmark for all personal data that we receive from you. In order to not hold your information for longer than is strictly necessary we will not hold any of your personal data for more than 6 years after the termination of our business relationship.
You have rights under data protection laws in relation to your personal data. Please see below to find out more about these rights:
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
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.
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.
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (including the Eversend Services). In this case, we may have to cancel your use of the Eversend Services but we will notify you if this is the case at the time.
The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the App or the Services.
contact us – [email protected]