Standard Website Privacy & Cookies Policy
Introduction
“Process” refers to how we collect, use, store, make available, destroy, update, disclose, or otherwise deal with your personal information. As a general rule, we only process your personal information if required to deliver or offer a service, provide a product, or carry out a transaction.
We may combine your personal information and use the combined information for any of the purposes stated in this Privacy Policy. Any reference to “we”, “us”, or “our” includes Our Company and any of its subsidiaries.
By using our services, goods, products, and service channels, you agree that we may process your personal information as explained in this Privacy Policy. Sometimes, you may provide consent to process your personal information. Read this policy carefully as it may limit your rights.
This policy applies globally across all branches of Our Company. If we process personal information under a contract or mandate for another party, that party’s privacy policy applies.
We may update this policy when required by law or our business practices. The version displayed on our website applies to your interactions with us.
What is Personal Information?
Personal information refers to any data that identifies or specifically relates to you. This includes, but is not limited to:
- Marital status (e.g., married, single, divorced)
- National origin
- Age
- Language, birth, education
- Financial history (e.g., income, third-party payments)
- Identifying numbers (e.g., ID number, passport number)
- Contact information (e.g., email, physical address, telephone number)
- Biometric information (e.g., fingerprints, signature, voice)
- Race, gender, sex, pregnancy, ethnic/social origin, colour, sexual orientation
- Health, well-being, disability, religion, belief, culture
- Medical history, criminal history, employment history
- Personal views, preferences, opinions
- Confidential correspondence
- Anotherâs views or opinions about you, and your name
Special personal information includes sensitive categories such as race, ethnic origin, trade union membership, health, biometric data, and criminal behaviour.
When Will We Process Your Personal Information?
We process your personal information under the following conditions:
- You have consented
- A person legally authorised by you or the law has consented
- It’s necessary for a contract with you
- The law requires or permits it
- It’s necessary to protect legitimate interests (yours, ours, or a third partyâs)
When Will We Process Special Personal Information?
We may process your special personal information if:
- You consent
- Itâs required for HR or payroll purposes
- Itâs needed to protect or enforce legal rights
- Itâs used for statistical/research purposes
- You made the information public
- Required by law
- It’s necessary to determine insurance risk or comply with a policy
Sources of Personal Information
We may obtain personal information:
- From your employerâs payroll or HR departments
- From third-party integrations with our platform
- From your use of our products/services
- From interactions (support desk, calls, surveys, etc.)
- From authorised parties acting on your behalf
Third-party sources include:
- Company partners
- Your spouse/employer/dependents
- Medical practitioners
- Attorneys and debt collectors
- Payment processors and banks
- Insurers and brokers
- Law enforcement and fraud agencies
- Regulatory/governmental bodies
- Courts, tribunals, trustees
- Couriers and subcontractors
- Loyalty programme partners
Reasons for Processing Your Information
We process your information to:
- Provide goods/services
- Market our offerings
- Respond to enquiries/complaints
- Comply with laws and regulations
- Conduct market/behavioural research
- Develop and test products
- Process payments
- Manufacture payslips or similar
- Deliver documents
- Verify identity
- Communicate with you
- Conduct surveys and promotions
- Underwrite insurance
- Process insurance claims
- Manage loyalty programmes
- Assess risk
Marketing Use of Personal Information
We may market financial and non-financial products to you through various channels (email, phone, SMS, etc.). If required by law, we will obtain your consent beforehand. You may opt out at any time.
Sharing of Personal Information
We share your data only if:
- You consent
- Itâs necessary for a contract
- Required by law
- Necessary to protect legitimate interests
Cross-Border Transfers
Your data may be transferred to another country only if:
- That country offers adequate data protection
- Itâs required for a contract with you or in your interest
- Youâve consented
- It’s impractical to get consent but in your interest
Your Rights and Duties
- You must inform us of changes to your personal information
- You may request access, correction, or deletion of your data
- You may object to processing (in writing)
- You may withdraw consent (subject to limitations)
- You may file a complaint with us or the relevant regulator
Data Security
We take appropriate steps to safeguard your data, including:
- Monitoring system access
- Securing records
- Controlling physical/system access
- Secure data destruction
- Adhering to ISO standards
You should also take precautions to protect your data.
Retention of Personal Information
We retain personal information as long as:
- Required by law
- Required by contract
- Consent was given
- Needed for business/statistical purposes
Even if your relationship with us ends, we may retain your information for historical/employment purposes.
Cookie Policy
Cookies are small data files sent to your browser/device. They personalise your experience and help with fraud prevention and analytics. By using our platforms, you consent to cookie use.
Last Updated: 29/05/2025
