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Your data may also be processed by staff operating outside these regions who work for us or for one of our trusted service providers.\n\nWe may transfer your personal data internationally when necessary to:\nComply with global legal and regulatory requirements,\nProvide ongoing support and services,\nWork with fraud prevention agencies, credit reference agencies, regulators, or law enforcement authorities, and\nDeliver the products and services you have requested.\n\nWhere your personal data is transferred to countries without an equivalent level of protection, we take all steps reasonably necessary to ensure it is treated securely and in accordance with this Policy. This includes implementing appropriate safeguards, such as Standard Contractual Clauses (SCCs) approved by the UK or EU, the UK International Data Transfer Agreement (IDTA), or other contractual, technical, and organisational measures, supplemented with additional safeguards where appropriate.\n\nWhere applicable, we may also rely on adequacy decisions issued by the UK government. 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We require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards (including obligations to protect any information and applying appropriate measures for the use and transfer of information). When information you’ve given, us is not in active use, it is encrypted at rest. This means it’s unreadable without the decryption key. 3.2. We are regularly audited to confirm we remain compliant with our security certifications, including PCI-DSS. As part of these audits, our security is validated by external auditors. 3.3. We restrict access to your personal information to those employees of Moneliq who have a business reason for knowing such information and third-party service providers’ processing data on our behalf. All Moneliq employees who have access to your personal data are required to adhere to this Policy and all third-party service providers are requested by Moneliq to ensure appropriate safeguards are in place (including non-disclosure agreements). In addition, contracts are in place with such third-party service providers acting as data processors for Moneliq that have access to your personal data, to ensure that the level of security required in your jurisdiction is in place, and that your personal data is processed only as instructed by Moneliq. 3.4. We continuously educate and train our employees about the importance of confidentiality and privacy of customer personal information. We maintain physical, technical, and organisational safeguards that comply with applicable laws and regulations to protect your personal information from unauthorised access. 3.5. While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during transmission by you to our app, a website, or other services. We use HTTPS (HTTP Secure), where the communication protocol is encrypted through Transport Layer Security for secure communication over networks, for all our app, web, and payment-processing services. 3.6. If you use a password for the Moneliq app or our website, you will need to keep this password confidential. 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The transmission of information via the internet is not completely secure. Although we do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. 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If anything, here only applies to one of our services, we’ll explicitly point this out to you. “Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address). When we say, “Personal Data”, we mean information which: we know about you can be used to personally identify you This notice explains what information we collect, how we use it, and your rights if you want to change how we use your personal data. Please read this Policy carefully, as it becomes legally binding when you use our Services. We take privacy and protection of your data very seriously and are committed to handling the personal information of those we engage with, whether customers, suppliers, or colleagues responsibly and in a way that meets the legal requirements of the countries in which we operate.","absoluteBoundingBox":{"x":39767.0,"y":2692.0,"width":800.0,"height":432.0},"isolatedAbsoluteRenderBounds":{"x":39767.33984375,"y":2697.81811523438,"width":797.859375,"height":423.636474609375},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,136.0]],"size":{"x":800.0,"y":432.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2],"characters":"This Privacy Policy is an overview of how we collect, use, and process your personal data when you use our website https://www.moneliq.com/ (“Website”), our web application (“Web App”) and our mobile app (“App”) and email messages that we send to you (jointly called “Services”). If anything, here only applies to one of our services, we’ll explicitly point this out to you.\n\n“Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address).\n\nWhen we say, “Personal Data”, we mean information which:\nwe know about you\ncan be used to personally identify you\nThis notice explains what information we collect, how we use it, and your rights if you want to change how we use your personal data.\n\nPlease read this Policy carefully, as it becomes legally binding when you use our Services. 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We may transfer your data to and store it in countries outside the UK and European Economic Area (\"EEA\") which do not offer an equivalent level of protection to your country. It may also be processed by staff operating outside the UK and EEA. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Policy. 7.2. To provide our Services to you, it is sometimes necessary for us to transfer your data to the third parties (keep to global legal and regulatory requirements, provide ongoing support services, credit reference agencies, fraud prevention agencies, law enforcement authorities) enable us to provide you with products or services you have requested that are based outside of the UK and EEA. 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We may transfer your data to and store it in countries outside the UK and European Economic Area (\"EEA\") which do not offer an equivalent level of protection to your country. It may also be processed by staff operating outside the UK and EEA. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Policy.\n7.2. To provide our Services to you, it is sometimes necessary for us to transfer your data to the third parties (keep to global legal and regulatory requirements, provide ongoing support services, credit reference agencies, fraud prevention agencies, law enforcement authorities) enable us to provide you with products or services you have requested that are based outside of the UK and EEA. 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This means that we may use technology that can evaluate your personal circumstances and other factors to predict risks or outcomes. This is sometimes known as profiling. 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Lawful basis: We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances: Where you have given us your consent to process your data Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests Where we have a legal obligation to process your personal data to comply with laws, regulations, or court orders Where it is necessary to fulfil our obligations under a contract with you Where it is necessary to protect the vital interests of yourself or other individuals. 4.2. Purposes for which we will use your personal data: the ways we plan to use your personal data are described below, including which of the legal bases we rely on to do so in the UK and the EU. We have also identified what our legitimate interests are where appropriate. to carry out our obligations relating to your contract with us for provision of Services/Lawful basis for processing, including basis of legitimate interest: necessary to fulfil our obligations under a cooperation to provide you with information, products, and services/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to keep our records up to date, decide which of our products and services may be of interest to you and to tell you about them) and where you’ve consented for us to process your personal data in a certain way to comply with any applicable legal and/or regulatory requirements, including to respond to requests from public and government authorities, including public and government authorities outside your country of residence upon demonstration of lawful authority/Lawful basis for processing, including basis of legitimate interest: legal obligation, necessary to fulfil our obligations under a contract and legitimate interest (to be efficient about how we meet our legal obligations and to comply with regulations that apply to us) to prevent and detect crimes, including fraud and financial crime/Lawful basis for processing, including basis of legitimate interest: legal obligation and legitimate interest (to detect and prevent criminal activity in connection with our Services and improve how we manage instances of suspected financial crime) to notify you about changes to our Services and send you other administrative information/Lawful basis for processing, including basis of legitimate interest: legal obligation, legitimate interest (to provide you with a good customer service and keep you up to date with new developments) and necessary to fulfil our obligations under a cooperation as part of our efforts to keep our Services safe and secure/Lawful basis for processing, including basis of legitimate interest: legal obligation, legitimate interest (protecting our customers and ourselves from loss or harm) and necessary to fulfil our obligations under a contract to administer our Services and for internal operational, planning, audit, troubleshooting, data analysis, testing, research, statistical and survey purposes/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to keep our records up to date, efficiently fulfil our legal and contractual duties, carry out our administrative operations, and develop new and existing products and services) to undertake system or product development, improve our Services and to ensure that they are presented in the most effective manner/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to develop existing and new products and services and to efficiently meet our legal and contractual obligations) to measure or understand the effectiveness of advertising we serve and to deliver relevant advertising to you/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to market our products and services in the most efficient manner) and where you’ve consented for us to process your personal data in a certain way to allow you to participate in interactive features of our Services, when you choose to do so/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to provide an efficient and innovative service to our customers) and where you’ve consented for us to process your personal data in a certain way to provide you with information about other similar goods and services we offer/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to market our products and services) and where you’ve consented for us to process your personal data in a certain way to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you/Lawful basis for processing, including basis of legitimate interest: where you’ve consented for us to process your personal data in a certain way to take steps to recover amounts owed to us and to allow us to pursue available remedies or limit damages that we may sustain/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to protect our assets) to enforce our cooperation with you/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to protect our assets) on rare occasions, to help safeguard our customers, employees, or other individuals by notifying the emergency services/Lawful basis for processing, including basis of legitimate interest: vital interest. 4.3. 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Lawful basis: We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:\nWhere you have given us your consent to process your data\nWhere it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests\nWhere we have a legal obligation to process your personal data to comply with laws, regulations, or court orders\nWhere it is necessary to fulfil our obligations under a contract with you\nWhere it is necessary to protect the vital interests of yourself or other individuals.\n4.2. Purposes for which we will use your personal data: the ways we plan to use your personal data are described below, including which of the legal bases we rely on to do so in the UK and the EU. 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personal information, means any information about an identified or identifiable individual. It does not include anonymous data, which cannot be linked back to the individual. We will collect and process personal data about you as follows: 2.1. Information you give us You may give us information about yourself when you sign up to use our Services, e.g., when you provide us with personal details including your name and email address. This also includes information you provide through your continued use of our Services. Additional information you give us for security, identification and verification purposes may include your address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph. The content of your communications with us, which we collect via online chat, emails, direct messaging, and other means. In some cases, including when you send or receive high value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you. In providing the personal data of any individuals other than yourself, including payment beneficiaries or if you are recommending a friend, or providing information on directors or owners of a company, or giving us access to your contacts list, you confirm that you have obtained consent from such individuals to disclose their personal data to us or are otherwise entitled to provide this information to us. You also confirm that you have their consent to our collection, use and disclosure of such personal data, for the purposes set out in this Policy. Please ensure that your personal data is current, complete, and accurate by logging onto your account and updating it whenever necessary. 2.2. Information we collect about you. With regard to your use of our Services, we may automatically collect the following information: Details of the transactions you carry out when using our Services, including the geographic location from which the transaction originates. Technical information, including the internet protocol (IP) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform. Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (including scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support service. 2.2.1. We will collect the following personal information: your name, address, and date of birth your email address, phone number and details of the device you use (for example, your phone, computer, or tablet) your Moneliq username your registration information details of your account, including the account number, sort code and IBAN details of your Moneliq payment cards including the card number, expiry date and CVC (the last three digits of the number on the back of the card) copies of your identification documents (for example, your passport or driving licence) and any other information you provide to prove you are eligible to use our services your country of residence, tax residency information, and tax identification number records of our discussions if you contact us or we contact you your image in photo or liveness form (where required as part of our Know-Your-Customer (KYC) checks, to verify your identity your image in photo or liveness form (where required as part of our Know-Your-Business (KYB) checks, to verify your identity information about other people (such as the company’s shareholders, directors, employees, customers, or business partners) where we are legally required to ask for such information (for example, as part of KYB checks or under anti-money laundering laws to verify your company’s sources of funds (where you, or your company, give us personal data about other people, you are responsible for ensuring that they understand how we will process their personal data). 2.3. Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. These may include: The banks you use to transfer money to us will provide us with your basic personal information, including your name and address, as well as your financial information, including your bank account details. Business partners may provide us with your name and address, as well as financial information, including card payment information. Advertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, including confirming how you found our website. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. 2.4. Information from social networks. If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account. 2.5. Information from publicly available sources. We collect information and contact details from publicly available sources, such as media stories, online registers or directories, and websites for enhanced due diligence checks, security searches, and KYC purposes. 2.6. Sensitive data. We process a limited amount of sensitive data when we carry out verification of identity documents that contain biometric data, where we are relying on the substantial public interest condition in Article 9(2)(g) of the GDPR and condition 14 ‘Preventing fraud’ in Part 2 of Schedule 1 of the Data Protection Act 2018. 2.7. Children's data. Our products and services are directed at adults aged 18 years and over, and not intended for children. We do not knowingly collect data from this age group. Our verification process prevents Moneliq from collecting this data. Any data collected from a child before their age is determined will be deleted.","absoluteBoundingBox":{"x":39767.0,"y":3204.0,"width":752.0,"height":2232.0},"isolatedAbsoluteRenderBounds":{"x":39767.546875,"y":3209.81811523438,"width":748.93359375,"height":2220.36352539062},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":752.0,"y":2232.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"Personal data, or personal information, means any information about an identified or identifiable individual. It does not include anonymous data, which cannot be linked back to the individual. We will collect and process personal data about you as follows:\n\n2.1. Information you give us\nYou may give us information about yourself when you sign up to use our Services, e.g., when you provide us with personal details including your name and email address. This also includes information you provide through your continued use of our Services. Additional information you give us for security, identification and verification purposes may include your address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph.\nThe content of your communications with us, which we collect via online chat, emails, direct messaging, and other means.\nIn some cases, including when you send or receive high value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you.\nIn providing the personal data of any individuals other than yourself, including payment beneficiaries or if you are recommending a friend, or providing information on directors or owners of a company, or giving us access to your contacts list, you confirm that you have obtained consent from such individuals to disclose their personal data to us or are otherwise entitled to provide this information to us. You also confirm that you have their consent to our collection, use and disclosure of such personal data, for the purposes set out in this Policy.\nPlease ensure that your personal data is current, complete, and accurate by logging onto your account and updating it whenever necessary.\n2.2. Information we collect about you. With regard to your use of our Services, we may automatically collect the following information:\nDetails of the transactions you carry out when using our Services, including the geographic location from which the transaction originates.\nTechnical information, including the internet protocol (IP) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform.\nInformation about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (including scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support service.\n2.2.1. We will collect the following personal information:\nyour name, address, and date of birth\nyour email address, phone number and details of the device you use (for example, your phone, computer, or tablet)\nyour Moneliq username\nyour registration information\ndetails of your account, including the account number, sort code and IBAN\ndetails of your Moneliq payment cards including the card number, expiry date and CVC (the last three digits of the number on the back of the card)\ncopies of your identification documents (for example, your passport or driving licence) and any other information you provide to prove you are eligible to use our services\nyour country of residence, tax residency information, and tax identification number\nrecords of our discussions if you contact us or we contact you\nyour image in photo or liveness form (where required as part of our Know-Your-Customer (KYC) checks, to verify your identity\nyour image in photo or liveness form (where required as part of our Know-Your-Business (KYB) checks, to verify your identity\ninformation about other people (such as the company’s shareholders, directors, employees, customers, or business partners) where we are legally required to ask for such information (for example, as part of KYB checks or under anti-money laundering laws to verify your company’s sources of funds (where you, or your company, give us personal data about other people, you are responsible for ensuring that they understand how we will process their personal data).\n2.3. Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. These may include:\nThe banks you use to transfer money to us will provide us with your basic personal information, including your name and address, as well as your financial information, including your bank account details.\nBusiness partners may provide us with your name and address, as well as financial information, including card payment information.\nAdvertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, including confirming how you found our website.\nCredit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us.\nCredit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us.\n2.4. Information from social networks. If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account.\n2.5. Information from publicly available sources. We collect information and contact details from publicly available sources, such as media stories, online registers or directories, and websites for enhanced due diligence checks, security searches, and KYC purposes.\n2.6. Sensitive data. We process a limited amount of sensitive data when we carry out verification of identity documents that contain biometric data, where we are relying on the substantial public interest condition in Article 9(2)(g) of the GDPR and condition 14 ‘Preventing fraud’ in Part 2 of Schedule 1 of the Data Protection Act 2018.\n2.7. Children's data. Our products and services are directed at adults aged 18 years and over, and not intended for children. We do not knowingly collect data from this age group. Our verification process prevents Moneliq from collecting this data. 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Lawful basis: We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances: Where you have given us your consent to process your data Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests Where we have a legal obligation to process your personal data to comply with laws, regulations, or court orders Where it is necessary to fulfil our obligations under a contract with you Where it is necessary to protect the vital interests of yourself or other individuals. 4.2. Purposes for which we will use your personal data: the ways we plan to use your personal data are described below, including which of the legal bases we rely on to do so in the UK and the EU. We have also identified what our legitimate interests are where appropriate. to carry out our obligations relating to your contract with us for provision of Services/Lawful basis for processing, including basis of legitimate interest: necessary to fulfil our obligations under a cooperation to provide you with information, products, and services/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to keep our records up to date, decide which of our products and services may be of interest to you and to tell you about them) and where you’ve consented for us to process your personal data in a certain way to comply with any applicable legal and/or regulatory requirements, including to respond to requests from public and government authorities, including public and government authorities outside your country of residence upon demonstration of lawful authority/Lawful basis for processing, including basis of legitimate interest: legal obligation, necessary to fulfil our obligations under a contract and legitimate interest (to be efficient about how we meet our legal obligations and to comply with regulations that apply to us) to prevent and detect crimes, including fraud and financial crime/Lawful basis for processing, including basis of legitimate interest: legal obligation and legitimate interest (to detect and prevent criminal activity in connection with our Services and improve how we manage instances of suspected financial crime) to notify you about changes to our Services and send you other administrative information/Lawful basis for processing, including basis of legitimate interest: legal obligation, legitimate interest (to provide you with a good customer service and keep you up to date with new developments) and necessary to fulfil our obligations under a cooperation as part of our efforts to keep our Services safe and secure/Lawful basis for processing, including basis of legitimate interest: legal obligation, legitimate interest (protecting our customers and ourselves from loss or harm) and necessary to fulfil our obligations under a contract to administer our Services and for internal operational, planning, audit, troubleshooting, data analysis, testing, research, statistical and survey purposes/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to keep our records up to date, efficiently fulfil our legal and contractual duties, carry out our administrative operations, and develop new and existing products and services) to undertake system or product development, improve our Services and to ensure that they are presented in the most effective manner/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to develop existing and new products and services and to efficiently meet our legal and contractual obligations) to measure or understand the effectiveness of advertising we serve and to deliver relevant advertising to you/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to market our products and services in the most efficient manner) and where you’ve consented for us to process your personal data in a certain way to allow you to participate in interactive features of our Services, when you choose to do so/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to provide an efficient and innovative service to our customers) and where you’ve consented for us to process your personal data in a certain way to provide you with information about other similar goods and services we offer/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to market our products and services) and where you’ve consented for us to process your personal data in a certain way to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you/Lawful basis for processing, including basis of legitimate interest: where you’ve consented for us to process your personal data in a certain way to take steps to recover amounts owed to us and to allow us to pursue available remedies or limit damages that we may sustain/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to protect our assets) to enforce our cooperation with you/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to protect our assets) on rare occasions, to help safeguard our customers, employees, or other individuals by notifying the emergency services/Lawful basis for processing, including basis of legitimate interest: vital interest. 4.3. Providing our services: Legitimate interests (we need to be efficient about how we meet our obligations, and we want to provide you with good products and services), legal obligations. check your identity, and the identity of joint account holders (as part of our KYC process) decide whether to approve your application meet our contractual and legal obligations relating to any products or services you use (for example, making payments into and out of your Moneliq account, withdrawing cash or making payments with your Moneliq card) help you understand your spending behaviour, how you use Moneliq products and services, and to help you save money recover debt and exercise other rights we have under any cooperation with you exercise other rights we have under any cooperation we have with you provide you with customer support services; we may record and monitor any communications between you and us to maintain appropriate records, check your instructions, analyse, assess, and improve our services, and for training and quality control purposes","absoluteBoundingBox":{"x":39767.0,"y":6532.0,"width":752.0,"height":1968.0},"isolatedAbsoluteRenderBounds":{"x":39767.33984375,"y":6537.818359375,"width":750.79296875,"height":1959.6357421875},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":752.0,"y":1968.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"4.1. Lawful basis: We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:\nWhere you have given us your consent to process your data\nWhere it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests\nWhere we have a legal obligation to process your personal data to comply with laws, regulations, or court orders\nWhere it is necessary to fulfil our obligations under a contract with you\nWhere it is necessary to protect the vital interests of yourself or other individuals.\n4.2. Purposes for which we will use your personal data: the ways we plan to use your personal data are described below, including which of the legal bases we rely on to do so in the UK and the EU. We have also identified what our legitimate interests are where appropriate.\nto carry out our obligations relating to your contract with us for provision of Services/Lawful basis for processing, including basis of legitimate interest: necessary to fulfil our obligations under a cooperation\nto provide you with information, products, and services/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to keep our records up to date, decide which of our products and services may be of interest to you and to tell you about them) and where you’ve consented for us to process your personal data in a certain way\nto comply with any applicable legal and/or regulatory requirements, including to respond to requests from public and government authorities, including public and government authorities outside your country of residence upon demonstration of lawful authority/Lawful basis for processing, including basis of legitimate interest: legal obligation, necessary to fulfil our obligations under a contract and legitimate interest (to be efficient about how we meet our legal obligations and to comply with regulations that apply to us)\nto prevent and detect crimes, including fraud and financial crime/Lawful basis for processing, including basis of legitimate interest: legal obligation and legitimate interest (to detect and prevent criminal activity in connection with our Services and improve how we manage instances of suspected financial crime)\nto notify you about changes to our Services and send you other administrative information/Lawful basis for processing, including basis of legitimate interest: legal obligation, legitimate interest (to provide you with a good customer service and keep you up to date with new developments) and necessary to fulfil our obligations under a cooperation\nas part of our efforts to keep our Services safe and secure/Lawful basis for processing, including basis of legitimate interest: legal obligation, legitimate interest (protecting our customers and ourselves from loss or harm) and necessary to fulfil our obligations under a contract\nto administer our Services and for internal operational, planning, audit, troubleshooting, data analysis, testing, research, statistical and survey purposes/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to keep our records up to date, efficiently fulfil our legal and contractual duties, carry out our administrative operations, and develop new and existing products and services)\nto undertake system or product development, improve our Services and to ensure that they are presented in the most effective manner/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to develop existing and new products and services and to efficiently meet our legal and contractual obligations)\nto measure or understand the effectiveness of advertising we serve and to deliver relevant advertising to you/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to market our products and services in the most efficient manner) and where you’ve consented for us to process your personal data in a certain way\nto allow you to participate in interactive features of our Services, when you choose to do so/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to provide an efficient and innovative service to our customers) and where you’ve consented for us to process your personal data in a certain way\nto provide you with information about other similar goods and services we offer/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to market our products and services) and where you’ve consented for us to process your personal data in a certain way\nto provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you/Lawful basis for processing, including basis of legitimate interest: where you’ve consented for us to process your personal data in a certain way\nto take steps to recover amounts owed to us and to allow us to pursue available remedies or limit damages that we may sustain/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to protect our assets)\nto enforce our cooperation with you/Lawful basis for processing, including basis of legitimate interest: legitimate interest (to protect our assets)\non rare occasions, to help safeguard our customers, employees, or other individuals by notifying the emergency services/Lawful basis for processing, including basis of legitimate interest: vital interest.\n4.3. 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We take the safeguarding of your information very seriously. The transmission of information via the internet is not completely secure. Although we do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we use strict procedures and security features to ensure it stays secure, including: Communication over the Internet between you and Moneliq systems is encrypted using strong encryption. Electronic data and databases are stored on secure computer systems with control over access to information using both physical and electronic means We update and patch our servers in a timely manner. We run a bug bounty program to identify any security issues in Moneliq services. Our technical security team proactively monitors for abnormal and malicious activity in our servers and services. We require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards (including obligations to protect any information and applying appropriate measures for the use and transfer of information). When information you’ve given, us is not in active use, it is encrypted at rest. This means it’s unreadable without the decryption key. 3.2. We are regularly audited to confirm we remain compliant with our security certifications, including PCI-DSS. As part of these audits, our security is validated by external auditors. 3.3. We restrict access to your personal information to those employees of Moneliq who have a business reason for knowing such information and third-party service providers’ processing data on our behalf. All Moneliq employees who have access to your personal data are required to adhere to this Policy and all third-party service providers are requested by Moneliq to ensure appropriate safeguards are in place (including non-disclosure agreements). In addition, contracts are in place with such third-party service providers acting as data processors for Moneliq that have access to your personal data, to ensure that the level of security required in your jurisdiction is in place, and that your personal data is processed only as instructed by Moneliq. 3.4. We continuously educate and train our employees about the importance of confidentiality and privacy of customer personal information. We maintain physical, technical, and organisational safeguards that comply with applicable laws and regulations to protect your personal information from unauthorised access. 3.5. While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during transmission by you to our app, a website, or other services. We use HTTPS (HTTP Secure), where the communication protocol is encrypted through Transport Layer Security for secure communication over networks, for all our app, web, and payment-processing services. 3.6. If you use a password for the Moneliq app or our website, you will need to keep this password confidential. Please do not share it with anyone.","absoluteBoundingBox":{"x":39767.0,"y":5516.0,"width":752.0,"height":936.0},"isolatedAbsoluteRenderBounds":{"x":39767.41015625,"y":5521.818359375,"width":748.33984375,"height":927.45458984375},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":752.0,"y":936.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"3.1. We take the safeguarding of your information very seriously. The transmission of information via the internet is not completely secure. Although we do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we use strict procedures and security features to ensure it stays secure, including:\nCommunication over the Internet between you and Moneliq systems is encrypted using strong encryption.\nElectronic data and databases are stored on secure computer systems with control over access to information using both physical and electronic means\nWe update and patch our servers in a timely manner.\nWe run a bug bounty program to identify any security issues in Moneliq services.\nOur technical security team proactively monitors for abnormal and malicious activity in our servers and services.\nWe require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards (including obligations to protect any information and applying appropriate measures for the use and transfer of information).\nWhen information you’ve given, us is not in active use, it is encrypted at rest. This means it’s unreadable without the decryption key.\n3.2. We are regularly audited to confirm we remain compliant with our security certifications, including PCI-DSS. As part of these audits, our security is validated by external auditors.\n3.3. We restrict access to your personal information to those employees of Moneliq who have a business reason for knowing such information and third-party service providers’ processing data on our behalf. All Moneliq employees who have access to your personal data are required to adhere to this Policy and all third-party service providers are requested by Moneliq to ensure appropriate safeguards are in place (including non-disclosure agreements). In addition, contracts are in place with such third-party service providers acting as data processors for Moneliq that have access to your personal data, to ensure that the level of security required in your jurisdiction is in place, and that your personal data is processed only as instructed by Moneliq.\n3.4. We continuously educate and train our employees about the importance of confidentiality and privacy of customer personal information. We maintain physical, technical, and organisational safeguards that comply with applicable laws and regulations to protect your personal information from unauthorised access.\n3.5. While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during transmission by you to our app, a website, or other services. We use HTTPS (HTTP Secure), where the communication protocol is encrypted through Transport Layer Security for secure communication over networks, for all our app, web, and payment-processing services.\n3.6. If you use a password for the Moneliq app or our website, you will need to keep this password confidential. 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While transmission of data over the internet can never be completely secure and any transmission is at your own risk, we use strict procedures and security features to protect your data once received. Our security measures include: Encryption in transit: All communication between you and Moneliq systems is encrypted using strong encryption protocols (HTTPS/TLS) for our app, website, and payment-processing services. Encryption at rest: When your information is not in active use, it is encrypted and unreadable without decryption keys. System and physical security: Electronic data and databases are stored on secure servers with both physical and electronic access controls. Security maintenance: We apply timely software updates and patches, maintain firewalls, intrusion detection systems, and run a bug bounty programme to identify vulnerabilities. Proactive monitoring: Our technical security team continuously monitors for abnormal or malicious activity. Independent audits: We undergo regular security audits and maintain industry certifications including PCI-DSS, with security controls validated by external auditors. Access restrictions: Access to your personal data is limited to authorised employees and approved processors who require it to perform their duties. Third-party safeguards: All third-party processors must comply with strict data protection standards, confidentiality obligations (including NDAs), and contractual data protection clauses. Organisational safeguards and training: We maintain physical, technical, and organisational safeguards and continuously educate employees on data protection and confidentiality obligations. Password protection: You are responsible for keeping your account credentials and passwords secure and confidential. Please do not share your password with anyone. While no method of transmitting information over the Internet is entirely risk-free, we use strong encryption protocols (HTTPS/TLS) to protect your personal data during transmission to our app, website, and payment processing services. We also apply robust security measures once your information is received to keep it secure from unauthorised access, use, alteration, or disclosure. In the event of a personal data breach, we will notify the Information Commissioner’s Office (ICO) without undue delay and, where feasible, within 72 hours after becoming aware of the breach, unless the breach is unlikely to result in a risk to your rights and freedoms. 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While transmission of data over the internet can never be completely secure and any transmission is at your own risk, we use strict procedures and security features to protect your data once received. Our security measures include:\nEncryption in transit: All communication between you and Moneliq systems is encrypted using strong encryption protocols (HTTPS/TLS) for our app, website, and payment-processing services.\nEncryption at rest: When your information is not in active use, it is encrypted and unreadable without decryption keys.\nSystem and physical security: Electronic data and databases are stored on secure servers with both physical and electronic access controls.\nSecurity maintenance: We apply timely software updates and patches, maintain firewalls, intrusion detection systems, and run a bug bounty programme to identify vulnerabilities.\nProactive monitoring: Our technical security team continuously monitors for abnormal or malicious activity.\nIndependent audits: We undergo regular security audits and maintain industry certifications including PCI-DSS, with security controls validated by external auditors.\nAccess restrictions: Access to your personal data is limited to authorised employees and approved processors who require it to perform their duties.\nThird-party safeguards: All third-party processors must comply with strict data protection standards, confidentiality obligations (including NDAs), and contractual data protection clauses.\nOrganisational safeguards and training: We maintain physical, technical, and organisational safeguards and continuously educate employees on data protection and confidentiality obligations.\nPassword protection: You are responsible for keeping your account credentials and passwords secure and confidential. 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data, or personal information, means any information about an identified or identifiable individual. It does not include anonymous data, which cannot be linked back to the individual. We will collect and process personal data about you as follows: 2.1. Information you give us You may give us information about yourself when you sign up to use our Services, e.g., when you provide us with personal details including your name and email address. This also includes information you provide through your continued use of our Services. Additional information you give us for security, identification and verification purposes may include your address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph. The content of your communications with us, which we collect via online chat, emails, direct messaging, and other means. In some cases, including when you send or receive high value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you. In providing the personal data of any individuals other than yourself, including payment beneficiaries or if you are recommending a friend, or providing information on directors or owners of a company, or giving us access to your contacts list, you confirm that you have obtained consent from such individuals to disclose their personal data to us or are otherwise entitled to provide this information to us. You also confirm that you have their consent to our collection, use and disclosure of such personal data, for the purposes set out in this Policy. Please ensure that your personal data is current, complete, and accurate by logging onto your account and updating it whenever necessary. 2.2. Information we collect about you. With regard to your use of our Services, we may automatically collect the following information: Details of the transactions you carry out when using our Services, including the geographic location from which the transaction originates. Technical information, including the internet protocol (IP) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform. Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (including scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support service. 2.2.1. We will collect the following personal information: your name, address, and date of birth your email address, phone number and details of the device you use (for example, your phone, computer, or tablet) your Moneliq username your registration information details of your account, including the account number, sort code and IBAN details of your Moneliq payment cards including the card number, expiry date and CVC (the last three digits of the number on the back of the card) copies of your identification documents (for example, your passport or driving licence) and any other information you provide to prove you are eligible to use our services your country of residence, tax residency information, and tax identification number records of our discussions if you contact us or we contact you your image in photo or liveness form (where required as part of our Know-Your-Customer (KYC) checks, to verify your identity your image in photo or liveness form (where required as part of our Know-Your-Business (KYB) checks, to verify your identity information about other people (such as the company’s shareholders, directors, employees, customers, or business partners) where we are legally required to ask for such information (for example, as part of KYB checks or under anti-money laundering laws to verify your company’s sources of funds (where you, or your company, give us personal data about other people, you are responsible for ensuring that they understand how we will process their personal data). 2.3. Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. These may include: The banks you use to transfer money to us will provide us with your basic personal information, including your name and address, as well as your financial information, including your bank account details. Business partners may provide us with your name and address, as well as financial information, including card payment information. Advertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, including confirming how you found our website. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. 2.4. Information from social networks. If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account. 2.5. Information from publicly available sources. We collect information and contact details from publicly available sources, such as media stories, online registers or directories, and websites for enhanced due diligence checks, security searches, and KYC purposes. 2.6. Sensitive data. We process a limited amount of sensitive data when we carry out verification of identity documents that contain biometric data, where we are relying on the substantial public interest condition in Article 9(2)(g) of the GDPR and condition 14 ‘Preventing fraud’ in Part 2 of Schedule 1 of the Data Protection Act 2018. 2.7. Children's data. Our products and services are directed at adults aged 18 years and over, and not intended for children. We do not knowingly collect data from this age group. Our verification process prevents Moneliq from collecting this data. 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With regard to your use of our Services, we may automatically collect the following information:\nDetails of the transactions you carry out when using our Services, including the geographic location from which the transaction originates.\nTechnical information, including the internet protocol (IP) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform.\nInformation about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (including scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support service.\n2.2.1. 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Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. These may include:\nThe banks you use to transfer money to us will provide us with your basic personal information, including your name and address, as well as your financial information, including your bank account details.\nBusiness partners may provide us with your name and address, as well as financial information, including card payment information.\nAdvertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, including confirming how you found our website.\nCredit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us.\nCredit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us.\n2.4. Information from social networks. If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account.\n2.5. Information from publicly available sources. 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If anything, here only applies to one of our services, we’ll explicitly point this out to you. “Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address). When we say, “Personal Data”, we mean information which: we know about you can be used to personally identify you This notice explains what information we collect, how we use it, and your rights if you want to change how we use your personal data. Please read this Policy carefully, as it becomes legally binding when you use our Services. 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If anything, here only applies to one of our services, we’ll explicitly point this out to you.\n\n“Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address).\n\nWhen we say, “Personal Data”, we mean information which:\nwe know about you\ncan be used to personally identify you\nThis notice explains what information we collect, how we use it, and your rights if you want to change how we use your personal data.\n\nPlease read this Policy carefully, as it becomes legally binding when you use our Services. 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If anything, here only applies to one of our services, we’ll explicitly point this out to you. “Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address). When we say, “Personal Data”, we mean information which: we know about you can be used to personally identify you This notice explains what information we collect, how we use it, and your rights if you want to change how we use your personal data. Please read this Policy carefully, as it becomes legally binding when you use our Services. 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It does not include anonymous data, which cannot be linked back to the individual. We will collect and process personal data about you as follows: 2.1. Information you give us You may give us information about yourself when you sign up to use our Services, e.g., when you provide us with personal details including your name and email address. This also includes information you provide through your continued use of our Services. Additional information you give us for security, identification and verification purposes may include your address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph. The content of your communications with us, which we collect via online chat, emails, direct messaging, and other means. In some cases, including when you send or receive high value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you. In providing the personal data of any individuals other than yourself, including payment beneficiaries or if you are recommending a friend, or providing information on directors or owners of a company, or giving us access to your contacts list, you confirm that you have obtained consent from such individuals to disclose their personal data to us or are otherwise entitled to provide this information to us. You also confirm that you have their consent to our collection, use and disclosure of such personal data, for the purposes set out in this Policy. Please ensure that your personal data is current, complete, and accurate by logging onto your account and updating it whenever necessary. 2.2. Information we collect about you. With regard to your use of our Services, we may automatically collect the following information: Details of the transactions you carry out when using our Services, including the geographic location from which the transaction originates. Technical information, including the internet protocol (IP) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform. Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (including scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support service. 2.2.1. We will collect the following personal information: your name, address, and date of birth your email address, phone number and details of the device you use (for example, your phone, computer, or tablet) your Moneliq username your registration information details of your account, including the account number, sort code and IBAN details of your Moneliq payment cards including the card number, expiry date and CVC (the last three digits of the number on the back of the card) copies of your identification documents (for example, your passport or driving licence) and any other information you provide to prove you are eligible to use our services your country of residence, tax residency information, and tax identification number records of our discussions if you contact us or we contact you your image in photo or liveness form (where required as part of our Know-Your-Customer (KYC) checks, to verify your identity your image in photo or liveness form (where required as part of our Know-Your-Business (KYB) checks, to verify your identity information about other people (such as the company’s shareholders, directors, employees, customers, or business partners) where we are legally required to ask for such information (for example, as part of KYB checks or under anti-money laundering laws to verify your company’s sources of funds (where you, or your company, give us personal data about other people, you are responsible for ensuring that they understand how we will process their personal data). 2.3. Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. These may include: The banks you use to transfer money to us will provide us with your basic personal information, including your name and address, as well as your financial information, including your bank account details. Business partners may provide us with your name and address, as well as financial information, including card payment information. Advertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, including confirming how you found our website. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. 2.4. Information from social networks. If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account. 2.5. Information from publicly available sources. We collect information and contact details from publicly available sources, such as media stories, online registers or directories, and websites for enhanced due diligence checks, security searches, and KYC purposes. 2.6. Sensitive data. We process a limited amount of sensitive data when we carry out verification of identity documents that contain biometric data, where we are relying on the substantial public interest condition in Article 9(2)(g) of the GDPR and condition 14 ‘Preventing fraud’ in Part 2 of Schedule 1 of the Data Protection Act 2018. 2.7. Children's data. Our products and services are directed at adults aged 18 years and over, and not intended for children. We do not knowingly collect data from this age group. Our verification process prevents Moneliq from collecting this data. 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If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account.\n2.5. Information from publicly available sources. 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We may disclose your personal information to third parties: including affiliates, business partners, suppliers and subcontractors for the performance and execution of any relationships we enter with them or you if we sell or any business or assets or combine with another organisation, in which case we may disclose your personal data to the prospective buyer of such business or assets or prospective organisation with which our business or assets may be combined if we are under a duty to disclose or share your personal data to comply with any legal obligation, or to enforce or apply our cooperation and other applicable agreements; or to protect the rights, property, or safety of Moneliq, our customers, our employees, or others. 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personal information, means any information about an identified or identifiable individual. It does not include anonymous data, which cannot be linked back to the individual. We only collect the minimum personal data necessary for the specified purposes and take reasonable steps to ensure that any data we hold about you is accurate and kept up to date. You can review and update your personal data directly in your account settings or by contacting the Data Protection Officer.We will collect and process personal data about you as follows: 3.1. Information You Give Us You may provide personal information directly to us when you: Sign up to or use our Services, Provide personal details such as your name, email address, postal address, phone number, date of birth, tax residency information or national identification number, Provide financial information including credit or debit card details, bank account details (including sort code, IBAN), payment reasons, and geographical location, Provide identification documents (such as passport, driving licence, utility bills), Provide your photograph or liveness image as part of Know-Your-Customer (KYC) or Know-Your-Business (KYB) checks, Provide company information (e.g., directors, shareholders, beneficial owners), Communicate with us via email, chat, or messaging services. If you provide us with the personal data of other individuals (e.g. payment beneficiaries, business partners, shareholders, friends you refer), you must ensure that: You have obtained their consent or are otherwise lawfully entitled to share their personal data with us; They have been informed of how their personal data will be processed under this policy. In some cases, such as when you send or receive high-value or high-volume transactions, or where we are required to comply with anti-money laundering or counter-terrorist financing regulations, we may request additional commercial or identification information from you. You are responsible for ensuring that your personal data is complete and accurate. Please update your personal information through your Moneliq account whenever necessary. 3.2. Information We Collect Automatically When you use our Services, we may automatically collect: Transaction details, including geographic location from which transactions originate, Technical information including your IP address, login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform, Website usage information including URL clickstream (to, through and from our website), pages viewed, page response times, download errors, page interaction (scrolling, clicks, mouse-overs), time spent on pages, and phone numbers used to contact customer support, Device information such as device type, operating system, and unique identifiers. We may also collect information about your activity on our Website and App, including products or pages you view or search for, the length of your visits to particular pages, the method you use to browse away from a page, and other page interaction data. 3.3. Information We Receive From Other Sources We may receive information about you from: Banks and payment partners (e.g., your name, address, and account details), Business partners and third-party service providers, Advertising networks and analytics providers, Credit reference agencies (used to verify the information you provide, but not to obtain additional personal data), Social networks when you log in via Facebook, Google or other providers (we may receive your name, email address, and profile image in line with their privacy policies), Publicly available sources, such as registers, directories, media, and online publications for due diligence and KYC purposes. We may receive information about you if you use other websites operated by us or services provided by our group companies. 3.4. Sensitive Data We process biometric data strictly for the purposes of identity verification and fraud prevention, under the substantial public interest conditions in Article 9(2)(g) UK GDPR and Schedule 1 of the Data Protection Act 2018. 3.5. Children’s Data Our products and services are intended for adults aged 18 years and over. We do not knowingly collect data from children. 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data, or personal information, means any information about an identified or identifiable individual. It does not include anonymous data, which cannot be linked back to the individual. We only collect the minimum personal data necessary for the specified purposes and take reasonable steps to ensure that any data we hold about you is accurate and kept up to date. You can review and update your personal data directly in your account settings or by contacting the Data Protection Officer.We will collect and process personal data about you as follows:\n\n3.1. Information You Give Us\nYou may provide personal information directly to us when you:\nSign up to or use our Services,\nProvide personal details such as your name, email address, postal address, phone number, date of birth, tax residency information or national identification number,\nProvide financial information including credit or debit card details, bank account details (including sort code, IBAN), payment reasons, and geographical location,\nProvide identification documents (such as passport, driving licence, utility bills),\nProvide your photograph or liveness image as part of Know-Your-Customer (KYC) or Know-Your-Business (KYB) checks,\nProvide company information (e.g., directors, shareholders, beneficial owners),\nCommunicate with us via email, chat, or messaging services.\nIf you provide us with the personal data of other individuals (e.g. payment beneficiaries, business partners, shareholders, friends you refer), you must ensure that:\nYou have obtained their consent or are otherwise lawfully entitled to share their personal data with us;\nThey have been informed of how their personal data will be processed under this policy.\n\nIn some cases, such as when you send or receive high-value or high-volume transactions, or where we are required to comply with anti-money laundering or counter-terrorist financing regulations, we may request additional commercial or identification information from you.\n\nYou are responsible for ensuring that your personal data is complete and accurate. Please update your personal information through your Moneliq account whenever necessary.\n\n3.2. Information We Collect Automatically\nWhen you use our Services, we may automatically collect:\nTransaction details, including geographic location from which transactions originate,\nTechnical information including your IP address, login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform,\nWebsite usage information including URL clickstream (to, through and from our website), pages viewed, page response times, download errors, page interaction (scrolling, clicks, mouse-overs), time spent on pages, and phone numbers used to contact customer support,\nDevice information such as device type, operating system, and unique identifiers.\n\nWe may also collect information about your activity on our Website and App, including products or pages you view or search for, the length of your visits to particular pages, the method you use to browse away from a page, and other page interaction data.\n\n3.3. Information We Receive From Other Sources\nWe may receive information about you from:\nBanks and payment partners (e.g., your name, address, and account details),\nBusiness partners and third-party service providers,\nAdvertising networks and analytics providers,\nCredit reference agencies (used to verify the information you provide, but not to obtain additional personal data),\nSocial networks when you log in via Facebook, Google or other providers (we may receive your name, email address, and profile image in line with their privacy policies),\nPublicly available sources, such as registers, directories, media, and online publications for due diligence and KYC purposes.\nWe may receive information about you if you use other websites operated by us or services provided by our group companies.\n\n3.4. Sensitive Data\nWe process biometric data strictly for the purposes of identity verification and fraud prevention, under the substantial public interest conditions in Article 9(2)(g) UK GDPR and Schedule 1 of the Data Protection Act 2018.\n\n3.5. Children’s Data\nOur products and services are intended for adults aged 18 years and over. We do not knowingly collect data from children. 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We take the safeguarding of your information very seriously. The transmission of information via the internet is not completely secure. Although we do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we use strict procedures and security features to ensure it stays secure, including: Communication over the Internet between you and Moneliq systems is encrypted using strong encryption. Electronic data and databases are stored on secure computer systems with control over access to information using both physical and electronic means We update and patch our servers in a timely manner. We run a bug bounty program to identify any security issues in Moneliq services. Our technical security team proactively monitors for abnormal and malicious activity in our servers and services. We require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards (including obligations to protect any information and applying appropriate measures for the use and transfer of information). When information you’ve given, us is not in active use, it is encrypted at rest. This means it’s unreadable without the decryption key. 3.2. We are regularly audited to confirm we remain compliant with our security certifications, including PCI-DSS. As part of these audits, our security is validated by external auditors. 3.3. We restrict access to your personal information to those employees of Moneliq who have a business reason for knowing such information and third-party service providers’ processing data on our behalf. All Moneliq employees who have access to your personal data are required to adhere to this Policy and all third-party service providers are requested by Moneliq to ensure appropriate safeguards are in place (including non-disclosure agreements). In addition, contracts are in place with such third-party service providers acting as data processors for Moneliq that have access to your personal data, to ensure that the level of security required in your jurisdiction is in place, and that your personal data is processed only as instructed by Moneliq. 3.4. We continuously educate and train our employees about the importance of confidentiality and privacy of customer personal information. We maintain physical, technical, and organisational safeguards that comply with applicable laws and regulations to protect your personal information from unauthorised access. 3.5. While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during transmission by you to our app, a website, or other services. We use HTTPS (HTTP Secure), where the communication protocol is encrypted through Transport Layer Security for secure communication over networks, for all our app, web, and payment-processing services. 3.6. If you use a password for the Moneliq app or our website, you will need to keep this password confidential. Please do not share it with anyone.","absoluteBoundingBox":{"x":39767.0,"y":8428.0,"width":343.0,"height":1968.0},"isolatedAbsoluteRenderBounds":{"x":39767.5,"y":8433.818359375,"width":340.98828125,"height":1959.4541015625},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,80.0]],"size":{"x":343.0,"y":1968.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"3.1. We take the safeguarding of your information very seriously. The transmission of information via the internet is not completely secure. Although we do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we use strict procedures and security features to ensure it stays secure, including:\nCommunication over the Internet between you and Moneliq systems is encrypted using strong encryption.\nElectronic data and databases are stored on secure computer systems with control over access to information using both physical and electronic means\nWe update and patch our servers in a timely manner.\nWe run a bug bounty program to identify any security issues in Moneliq services.\nOur technical security team proactively monitors for abnormal and malicious activity in our servers and services.\nWe require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards (including obligations to protect any information and applying appropriate measures for the use and transfer of information).\nWhen information you’ve given, us is not in active use, it is encrypted at rest. This means it’s unreadable without the decryption key.\n3.2. We are regularly audited to confirm we remain compliant with our security certifications, including PCI-DSS. As part of these audits, our security is validated by external auditors.\n3.3. We restrict access to your personal information to those employees of Moneliq who have a business reason for knowing such information and third-party service providers’ processing data on our behalf. All Moneliq employees who have access to your personal data are required to adhere to this Policy and all third-party service providers are requested by Moneliq to ensure appropriate safeguards are in place (including non-disclosure agreements). In addition, contracts are in place with such third-party service providers acting as data processors for Moneliq that have access to your personal data, to ensure that the level of security required in your jurisdiction is in place, and that your personal data is processed only as instructed by Moneliq.\n3.4. We continuously educate and train our employees about the importance of confidentiality and privacy of customer personal information. We maintain physical, technical, and organisational safeguards that comply with applicable laws and regulations to protect your personal information from unauthorised access.\n3.5. While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during transmission by you to our app, a website, or other services. We use HTTPS (HTTP Secure), where the communication protocol is encrypted through Transport Layer Security for secure communication over networks, for all our app, web, and payment-processing services.\n3.6. If you use a password for the Moneliq app or our website, you will need to keep this password confidential. 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It does not include anonymous data, which cannot be linked back to the individual. We will collect and process personal data about you as follows: 2.1. Information you give us You may give us information about yourself when you sign up to use our Services, e.g., when you provide us with personal details including your name and email address. This also includes information you provide through your continued use of our Services. Additional information you give us for security, identification and verification purposes may include your address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph. The content of your communications with us, which we collect via online chat, emails, direct messaging, and other means. In some cases, including when you send or receive high value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you. In providing the personal data of any individuals other than yourself, including payment beneficiaries or if you are recommending a friend, or providing information on directors or owners of a company, or giving us access to your contacts list, you confirm that you have obtained consent from such individuals to disclose their personal data to us or are otherwise entitled to provide this information to us. You also confirm that you have their consent to our collection, use and disclosure of such personal data, for the purposes set out in this Policy. Please ensure that your personal data is current, complete, and accurate by logging onto your account and updating it whenever necessary. 2.2. Information we collect about you. With regard to your use of our Services, we may automatically collect the following information: Details of the transactions you carry out when using our Services, including the geographic location from which the transaction originates. Technical information, including the internet protocol (IP) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform. Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (including scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support service. 2.2.1. We will collect the following personal information: your name, address, and date of birth your email address, phone number and details of the device you use (for example, your phone, computer, or tablet) your Moneliq username your registration information details of your account, including the account number, sort code and IBAN details of your Moneliq payment cards including the card number, expiry date and CVC (the last three digits of the number on the back of the card) copies of your identification documents (for example, your passport or driving licence) and any other information you provide to prove you are eligible to use our services your country of residence, tax residency information, and tax identification number records of our discussions if you contact us or we contact you your image in photo or liveness form (where required as part of our Know-Your-Customer (KYC) checks, to verify your identity your image in photo or liveness form (where required as part of our Know-Your-Business (KYB) checks, to verify your identity information about other people (such as the company’s shareholders, directors, employees, customers, or business partners) where we are legally required to ask for such information (for example, as part of KYB checks or under anti-money laundering laws to verify your company’s sources of funds (where you, or your company, give us personal data about other people, you are responsible for ensuring that they understand how we will process their personal data). 2.3. Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. These may include: The banks you use to transfer money to us will provide us with your basic personal information, including your name and address, as well as your financial information, including your bank account details. Business partners may provide us with your name and address, as well as financial information, including card payment information. Advertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, including confirming how you found our website. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. 2.4. Information from social networks. If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account. 2.5. Information from publicly available sources. We collect information and contact details from publicly available sources, such as media stories, online registers or directories, and websites for enhanced due diligence checks, security searches, and KYC purposes. 2.6. Sensitive data. We process a limited amount of sensitive data when we carry out verification of identity documents that contain biometric data, where we are relying on the substantial public interest condition in Article 9(2)(g) of the GDPR and condition 14 ‘Preventing fraud’ in Part 2 of Schedule 1 of the Data Protection Act 2018. 2.7. Children's data. Our products and services are directed at adults aged 18 years and over, and not intended for children. We do not knowingly collect data from this age group. Our verification process prevents Moneliq from collecting this data. 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Additional information you give us for security, identification and verification purposes may include your address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph.\nThe content of your communications with us, which we collect via online chat, emails, direct messaging, and other means.\nIn some cases, including when you send or receive high value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you.\nIn providing the personal data of any individuals other than yourself, including payment beneficiaries or if you are recommending a friend, or providing information on directors or owners of a company, or giving us access to your contacts list, you confirm that you have obtained consent from such individuals to disclose their personal data to us or are otherwise entitled to provide this information to us. 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If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account.\n2.5. Information from publicly available sources. 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 “Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address).

 When we say, “Personal Data”, we mean information which: we know about you can be used to personally identify you This notice explains what information we collect, how we use it, and your rights if you want to change how we use your personal data. Please read this Policy carefully, as it becomes legally binding when you use our Services. We take privacy and protection of your data very seriously and are committed to handling the personal information of those we engage with, whether customers, suppliers, or colleagues responsibly and in a way that meets the legal requirements of the countries in which we operate.","absoluteBoundingBox":{"x":39767.0,"y":2692.0,"width":800.0,"height":672.0},"isolatedAbsoluteRenderBounds":{"x":39767.33984375,"y":2697.81811523438,"width":797.859375,"height":663.636474609375},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,136.0]],"size":{"x":800.0,"y":672.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2,2],"characters":"Moneliq Limited (“we”, “us” or “our”) is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, store and protect your personal information in connection with our services as an authorised Electronic Money Institution (EMI) in the United Kingdom.\nWe process your personal data in compliance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and applicable Financial Conduct Authority (FCA) regulations.\n\nOur registered office is at: 25 Cabot Square, London, England, E14 4QZ.\nCompany number: 12213334\nFCA Registration Number: 901056\n \nThis Privacy Policy is an overview of how we collect, use, and process your personal data when you use our website https://www.moneliq.com/ (“Website”), our web application (“Web App”) and our mobile app (“App”) and email messages that we send to you (jointly called “Services”). If anything, here only applies to one of our services, we’ll explicitly point this out to you.

 “Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address).

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 “Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address).

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 “Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address).

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If anything, here only applies to one of our services, we’ll explicitly point this out to you.\n\n“Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address).\n\nWhen we say, “Personal Data”, we mean information which:\nwe know about you\ncan be used to personally identify you\nThis notice explains what information we collect, how we use it, and your rights if you want to change how we use your personal data.\n\nPlease read this Policy carefully, as it becomes legally binding when you use our Services. 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We take the safeguarding of your information very seriously. The transmission of information via the internet is not completely secure. Although we do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we use strict procedures and security features to ensure it stays secure, including: Communication over the Internet between you and Moneliq systems is encrypted using strong encryption. Electronic data and databases are stored on secure computer systems with control over access to information using both physical and electronic means We update and patch our servers in a timely manner. We run a bug bounty program to identify any security issues in Moneliq services. Our technical security team proactively monitors for abnormal and malicious activity in our servers and services. We require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards (including obligations to protect any information and applying appropriate measures for the use and transfer of information). When information you’ve given, us is not in active use, it is encrypted at rest. This means it’s unreadable without the decryption key. 3.2. We are regularly audited to confirm we remain compliant with our security certifications, including PCI-DSS. As part of these audits, our security is validated by external auditors. 3.3. We restrict access to your personal information to those employees of Moneliq who have a business reason for knowing such information and third-party service providers’ processing data on our behalf. All Moneliq employees who have access to your personal data are required to adhere to this Policy and all third-party service providers are requested by Moneliq to ensure appropriate safeguards are in place (including non-disclosure agreements). In addition, contracts are in place with such third-party service providers acting as data processors for Moneliq that have access to your personal data, to ensure that the level of security required in your jurisdiction is in place, and that your personal data is processed only as instructed by Moneliq. 3.4. We continuously educate and train our employees about the importance of confidentiality and privacy of customer personal information. We maintain physical, technical, and organisational safeguards that comply with applicable laws and regulations to protect your personal information from unauthorised access. 3.5. While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during transmission by you to our app, a website, or other services. We use HTTPS (HTTP Secure), where the communication protocol is encrypted through Transport Layer Security for secure communication over networks, for all our app, web, and payment-processing services. 3.6. If you use a password for the Moneliq app or our website, you will need to keep this password confidential. Please do not share it with anyone.","absoluteBoundingBox":{"x":39767.0,"y":5516.0,"width":752.0,"height":936.0},"isolatedAbsoluteRenderBounds":{"x":39767.41015625,"y":5521.818359375,"width":748.33984375,"height":927.45458984375},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":752.0,"y":936.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"3.1. We take the safeguarding of your information very seriously. The transmission of information via the internet is not completely secure. Although we do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we use strict procedures and security features to ensure it stays secure, including:\nCommunication over the Internet between you and Moneliq systems is encrypted using strong encryption.\nElectronic data and databases are stored on secure computer systems with control over access to information using both physical and electronic means\nWe update and patch our servers in a timely manner.\nWe run a bug bounty program to identify any security issues in Moneliq services.\nOur technical security team proactively monitors for abnormal and malicious activity in our servers and services.\nWe require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards (including obligations to protect any information and applying appropriate measures for the use and transfer of information).\nWhen information you’ve given, us is not in active use, it is encrypted at rest. This means it’s unreadable without the decryption key.\n3.2. We are regularly audited to confirm we remain compliant with our security certifications, including PCI-DSS. As part of these audits, our security is validated by external auditors.\n3.3. We restrict access to your personal information to those employees of Moneliq who have a business reason for knowing such information and third-party service providers’ processing data on our behalf. All Moneliq employees who have access to your personal data are required to adhere to this Policy and all third-party service providers are requested by Moneliq to ensure appropriate safeguards are in place (including non-disclosure agreements). In addition, contracts are in place with such third-party service providers acting as data processors for Moneliq that have access to your personal data, to ensure that the level of security required in your jurisdiction is in place, and that your personal data is processed only as instructed by Moneliq.\n3.4. We continuously educate and train our employees about the importance of confidentiality and privacy of customer personal information. We maintain physical, technical, and organisational safeguards that comply with applicable laws and regulations to protect your personal information from unauthorised access.\n3.5. While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during transmission by you to our app, a website, or other services. We use HTTPS (HTTP Secure), where the communication protocol is encrypted through Transport Layer Security for secure communication over networks, for all our app, web, and payment-processing services.\n3.6. If you use a password for the Moneliq app or our website, you will need to keep this password confidential. Please do not share it with anyone.","lineIndentations":[0,1,1,1,1,1,1,1,0,0,0,0,0],"lineTypes":["NONE","UNORDERED","UNORDERED","UNORDERED","UNORDERED","UNORDERED","UNORDERED","UNORDERED","NONE","NONE","NONE","NONE","NONE"],"listStartOffsets":[],"lineStyleOverrides":[0,0,0,0,0,0,0,0,0,0,0,0,0],"lineTextDirections":null,"textAutoResize":"HEIGHT","style":{"fontFamily":"Inter","fontPostScriptName":null,"fontStyle":"Regular","textAutoResize":"HEIGHT","boundVariables":{"paints":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"fontVariantPosition":"NORMAL","fontSize":16.0,"textAlignHorizontal":"LEFT","textAlignVertical":"TOP","letterSpacing":0.0,"letterSpacingValue":0.0,"letterSpacingUnit":"PERCENT","lineHeightPx":24.0,"lineHeightPercent":123.943664550781,"lineHeightPercentFontSize":150.0,"lineHeightUnit":"PIXELS","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecoration":"NONE","textDecorationSkipInk":false,"textDecorationStyle":"solid","textTruncation":"DISABLED"},"styleOverrideTable":{}},"459:64545":{"type":"TEXT","id":"459:64545","name":"Personal data, or personal information, means any information about an identified or identifiable individual. It does not include anonymous data, which cannot be linked back to the individual. We will collect and process personal data about you as follows: 2.1. Information you give us You may give us information about yourself when you sign up to use our Services, e.g., when you provide us with personal details including your name and email address. This also includes information you provide through your continued use of our Services. Additional information you give us for security, identification and verification purposes may include your address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph. The content of your communications with us, which we collect via online chat, emails, direct messaging, and other means. In some cases, including when you send or receive high value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you. In providing the personal data of any individuals other than yourself, including payment beneficiaries or if you are recommending a friend, or providing information on directors or owners of a company, or giving us access to your contacts list, you confirm that you have obtained consent from such individuals to disclose their personal data to us or are otherwise entitled to provide this information to us. You also confirm that you have their consent to our collection, use and disclosure of such personal data, for the purposes set out in this Policy. Please ensure that your personal data is current, complete, and accurate by logging onto your account and updating it whenever necessary. 2.2. Information we collect about you. With regard to your use of our Services, we may automatically collect the following information: Details of the transactions you carry out when using our Services, including the geographic location from which the transaction originates. Technical information, including the internet protocol (IP) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform. Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (including scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support service. 2.2.1. We will collect the following personal information: your name, address, and date of birth your email address, phone number and details of the device you use (for example, your phone, computer, or tablet) your Moneliq username your registration information details of your account, including the account number, sort code and IBAN details of your Moneliq payment cards including the card number, expiry date and CVC (the last three digits of the number on the back of the card) copies of your identification documents (for example, your passport or driving licence) and any other information you provide to prove you are eligible to use our services your country of residence, tax residency information, and tax identification number records of our discussions if you contact us or we contact you your image in photo or liveness form (where required as part of our Know-Your-Customer (KYC) checks, to verify your identity your image in photo or liveness form (where required as part of our Know-Your-Business (KYB) checks, to verify your identity information about other people (such as the company’s shareholders, directors, employees, customers, or business partners) where we are legally required to ask for such information (for example, as part of KYB checks or under anti-money laundering laws to verify your company’s sources of funds (where you, or your company, give us personal data about other people, you are responsible for ensuring that they understand how we will process their personal data). 2.3. Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. These may include: The banks you use to transfer money to us will provide us with your basic personal information, including your name and address, as well as your financial information, including your bank account details. Business partners may provide us with your name and address, as well as financial information, including card payment information. Advertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, including confirming how you found our website. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. Credit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us. 2.4. Information from social networks. If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account. 2.5. Information from publicly available sources. We collect information and contact details from publicly available sources, such as media stories, online registers or directories, and websites for enhanced due diligence checks, security searches, and KYC purposes. 2.6. Sensitive data. We process a limited amount of sensitive data when we carry out verification of identity documents that contain biometric data, where we are relying on the substantial public interest condition in Article 9(2)(g) of the GDPR and condition 14 ‘Preventing fraud’ in Part 2 of Schedule 1 of the Data Protection Act 2018. 2.7. Children's data. Our products and services are directed at adults aged 18 years and over, and not intended for children. We do not knowingly collect data from this age group. Our verification process prevents Moneliq from collecting this data. Any data collected from a child before their age is determined will be deleted.","absoluteBoundingBox":{"x":39767.0,"y":3588.0,"width":343.0,"height":4728.0},"isolatedAbsoluteRenderBounds":{"x":39767.41015625,"y":3593.81811523438,"width":341.19140625,"height":4716.36328125},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":343.0,"y":4728.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"Personal data, or personal information, means any information about an identified or identifiable individual. It does not include anonymous data, which cannot be linked back to the individual. We will collect and process personal data about you as follows:\n\n2.1. Information you give us\nYou may give us information about yourself when you sign up to use our Services, e.g., when you provide us with personal details including your name and email address. This also includes information you provide through your continued use of our Services. Additional information you give us for security, identification and verification purposes may include your address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, and photograph.\nThe content of your communications with us, which we collect via online chat, emails, direct messaging, and other means.\nIn some cases, including when you send or receive high value or high-volume transactions, or where we need to comply with anti-money laundering regulations, we may also need more commercial or identification information from you.\nIn providing the personal data of any individuals other than yourself, including payment beneficiaries or if you are recommending a friend, or providing information on directors or owners of a company, or giving us access to your contacts list, you confirm that you have obtained consent from such individuals to disclose their personal data to us or are otherwise entitled to provide this information to us. You also confirm that you have their consent to our collection, use and disclosure of such personal data, for the purposes set out in this Policy.\nPlease ensure that your personal data is current, complete, and accurate by logging onto your account and updating it whenever necessary.\n2.2. Information we collect about you. With regard to your use of our Services, we may automatically collect the following information:\nDetails of the transactions you carry out when using our Services, including the geographic location from which the transaction originates.\nTechnical information, including the internet protocol (IP) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform.\nInformation about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (including scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support service.\n2.2.1. We will collect the following personal information:\nyour name, address, and date of birth\nyour email address, phone number and details of the device you use (for example, your phone, computer, or tablet)\nyour Moneliq username\nyour registration information\ndetails of your account, including the account number, sort code and IBAN\ndetails of your Moneliq payment cards including the card number, expiry date and CVC (the last three digits of the number on the back of the card)\ncopies of your identification documents (for example, your passport or driving licence) and any other information you provide to prove you are eligible to use our services\nyour country of residence, tax residency information, and tax identification number\nrecords of our discussions if you contact us or we contact you\nyour image in photo or liveness form (where required as part of our Know-Your-Customer (KYC) checks, to verify your identity\nyour image in photo or liveness form (where required as part of our Know-Your-Business (KYB) checks, to verify your identity\ninformation about other people (such as the company’s shareholders, directors, employees, customers, or business partners) where we are legally required to ask for such information (for example, as part of KYB checks or under anti-money laundering laws to verify your company’s sources of funds (where you, or your company, give us personal data about other people, you are responsible for ensuring that they understand how we will process their personal data).\n2.3. Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. These may include:\nThe banks you use to transfer money to us will provide us with your basic personal information, including your name and address, as well as your financial information, including your bank account details.\nBusiness partners may provide us with your name and address, as well as financial information, including card payment information.\nAdvertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, including confirming how you found our website.\nCredit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us.\nCredit reference agencies do not provide us with any personal information about yourself, but we may use them to corroborate the information you have provided to us.\n2.4. Information from social networks. If you log in to our Services using your social network account (including Facebook or Google) we will receive relevant information that is necessary for us to enable our Services and authenticate your access. The social network will provide us with access to certain information that you have provided to them, including your name, profile image and email address, in accordance with the social network service provider’s privacy policy. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products, and services that you request from us. You may also be able to specifically request that we have access to the contacts in your social network account.\n2.5. Information from publicly available sources. We collect information and contact details from publicly available sources, such as media stories, online registers or directories, and websites for enhanced due diligence checks, security searches, and KYC purposes.\n2.6. Sensitive data. We process a limited amount of sensitive data when we carry out verification of identity documents that contain biometric data, where we are relying on the substantial public interest condition in Article 9(2)(g) of the GDPR and condition 14 ‘Preventing fraud’ in Part 2 of Schedule 1 of the Data Protection Act 2018.\n2.7. Children's data. Our products and services are directed at adults aged 18 years and over, and not intended for children. We do not knowingly collect data from this age group. Our verification process prevents Moneliq from collecting this data. Any data collected from a child before their age is determined will be 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have Under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, you have a number of rights in relation to your personal data. You can exercise these rights at any time by contacting us at dpo@moneliq.com. Before processing any data subject requests, we may ask you to verify your identity to help ensure your personal data is protected and not disclosed to anyone who does not have the right to access it. Your rights include: Access – You can request a copy of the personal data we hold about you and check that we are processing it lawfully. Correction – You can ask us to correct or update inaccurate or incomplete data. We may need to verify the accuracy of any new information you provide. Erasure (“Right to be Forgotten”) – You can ask us to delete your personal data where there is no good reason for us to continue processing it. This right may also apply where: you have successfully exercised your right to object to processing, we have processed your data unlawfully, or we are required to delete your data to comply with legal obligations.
 Please note that as a regulated financial institution, we may be required to retain certain information for legal or regulatory reasons (e.g., anti-money laundering or financial regulations), even after account closure. Withdraw Consent – Where our processing relies on your consent, you can withdraw it at any time. This will not affect the lawfulness of processing carried out before withdrawal. However, withdrawal of consent may limit our ability to provide certain services to you. Marketing Opt-out – You can ask us to stop sending you direct marketing communications at any time by contacting us or adjusting your account settings. Objection – You can object to processing based on legitimate interests if you feel it impacts your fundamental rights and freedoms. Restriction – You can ask us to temporarily suspend the processing of your personal data in certain situations, including: if you want us to verify the data’s accuracy, where our processing is unlawful but you prefer restriction to erasure, where you need the data to establish, exercise, or defend legal claims, or where you have objected to processing and we are considering our legitimate grounds. Portability – You can request that we transfer your personal data to you or another party in a structured, commonly used, machine-readable format. This right applies when we process your data based on consent or a contract. Automated Decision-Making and Profiling – If we make a decision about you solely through automated means that has a legal or significant impact, you can: request information about the logic involved, ask us to verify that the decision has been made correctly, and in some cases, request human review of the decision.
 We may refuse requests only where permitted by law (e.g., to protect trade secrets or prevent fraud). Legal Exemptions – In certain cases, your rights may be subject to exemptions to protect the public interest (e.g., prevention or detection of crime) or our legitimate interests (e.g., legal privilege). We will assess and respond to all valid requests within one month. In some cases, particularly for complex or multiple requests, this period may be extended by up to two further months, in line with UK GDPR. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection, if you are unhappy with how we process your personal data. We encourage you to raise any concerns or complaints directly with our Data Protection Officer (DPO) in the first instance so that we have the opportunity to resolve them. If you remain dissatisfied, you can then escalate your complaint to the Information Commissioner’s Office (ICO), the UK supervisory authority for data 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have Under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, you have a number of rights in relation to your personal data. You can exercise these rights at any time by contacting us at dpo@moneliq.com.\n\nBefore processing any data subject requests, we may ask you to verify your identity to help ensure your personal data is protected and not disclosed to anyone who does not have the right to access it.\nYour rights include:\nAccess – You can request a copy of the personal data we hold about you and check that we are processing it lawfully.\nCorrection – You can ask us to correct or update inaccurate or incomplete data. We may need to verify the accuracy of any new information you provide.\nErasure (“Right to be Forgotten”) – You can ask us to delete your personal data where there is no good reason for us to continue processing it. This right may also apply where:\nyou have successfully exercised your right to object to processing,\nwe have processed your data unlawfully, or\nwe are required to delete your data to comply with legal obligations.
 Please note that as a regulated financial institution, we may be required to retain certain information for legal or regulatory reasons (e.g., anti-money laundering or financial regulations), even after account closure.\nWithdraw Consent – Where our processing relies on your consent, you can withdraw it at any time. This will not affect the lawfulness of processing carried out before withdrawal. However, withdrawal of consent may limit our ability to provide certain services to you.\nMarketing Opt-out – You can ask us to stop sending you direct marketing communications at any time by contacting us or adjusting your account settings.\nObjection – You can object to processing based on legitimate interests if you feel it impacts your fundamental rights and freedoms.\nRestriction – You can ask us to temporarily suspend the processing of your personal data in certain situations, including:\nif you want us to verify the data’s accuracy,\nwhere our processing is unlawful but you prefer restriction to erasure,\nwhere you need the data to establish, exercise, or defend legal claims, or\nwhere you have objected to processing and we are considering our legitimate grounds.\nPortability – You can request that we transfer your personal data to you or another party in a structured, commonly used, machine-readable format. This right applies when we process your data based on consent or a contract.\nAutomated Decision-Making and Profiling – If we make a decision about you solely through automated means that has a legal or significant impact, you can:\nrequest information about the logic involved,\nask us to verify that the decision has been made correctly, and\nin some cases, request human review of the decision.
 We may refuse requests only where permitted by law (e.g., to protect trade secrets or prevent fraud).\nLegal Exemptions – In certain cases, your rights may be subject to exemptions to protect the public interest (e.g., prevention or detection of crime) or our legitimate interests (e.g., legal privilege).\n\nWe will assess and respond to all valid requests within one month. In some cases, particularly for complex or multiple requests, this period may be extended by up to two further months, in line with UK GDPR.\n\nYou also have the right to lodge a complaint with the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection, if you are unhappy with how we process your personal data.\n\nWe encourage you to raise any concerns or complaints directly with our Data Protection Officer (DPO) in the first instance so that we have the opportunity to resolve them. If you remain dissatisfied, you can then escalate your complaint to the Information Commissioner’s Office (ICO), the UK supervisory authority for data 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