We are part of the FairFX Group of companies that includes Fair Payments Limited which is the issuer of your Fair Everywhere Prepaid Mastercard® and the operator of your card account. Fair Payments Limited is registered in England and Wales under the company number 09558664.
Most personal data will be collected directly through the application process. The sources of any personal data collected indirectly will be mentioned in this statement. Whether or not you become a customer, we may ask you for (but not limited to) your:
You are free to withdraw your consent at any time. This may result in us not being able to do certain things for you.
We will use your personal data to provide information on services requested or products ordered. We may use your business details to check the insolvency status of the company and make various checks on the directors or partners of the business even if they are not party to the account.
Data is collected and used on a lawful basis only which is outlined below.
|To perform a contract with you||
• To take steps at your request prior to entering into a contract
• To decide whether to enter into a contract
• To manage and perform the contract
• To ensure our records remain relevant
|Our legitimate interest||
• For good governance, accounting, managing and auditing our business operations
• For market research, analysis and developing statistics
• To detect, prevent and investigate fraud, money laundering and other crimes and to verify your identity in order to protect your business
• When you exercise your rights under data protection law and make requests
• For compliance with legal, regulatory requirements and related disclosures
• For establishment and defence of legal rights
• For activities relating to the prevention, detection and investigation of crime
• To verify your identity, engage in fraud prevention and anti-money laundering checks
• To monitor emails, calls, other communications, and activities on your account
• When you request we disclose your personal data to other people or organisations
• When we process any special categories of personal data at your request
• To send you marketing communications where we have asked for your consent to do so
We will retain your data whether you become a customer or not for:
If you would like further information about data protection you can visit the Information Commissioner’s Office (ICO) at ico.org.uk. The ICO is the UK’s independent authority set up to uphold information rights in the public interest and data privacy for individuals. We comply with all ICO regulatory and statutory requirements. You have the right to make a complaint to the ICO regarding the handling of your data.
We may use your personal details in order to conduct identity checks as required by law as a measure to prevent money laundering.
The personal data we have collected from you at application or any stage may be shared with fraud prevention agencies. We are required by law to review transactions and report any which may be suspected of being related to money laundering activities.
We may process your personal data without human intervention to evaluate your personal situation such as transactional history and account opening anniversary events. We may do this to decide what marketing communications are suitable for you, to analyse statistics and to assess risks.
This is all done on the basis of our legitimate interests, to protect our business, and to develop and improve our products and services. If we use automated decision making including profiling activity to assess your application, this will be performed on the basis of it being necessary to perform the contract.
Fair Everywhere may supply strategic partners with certain information from your account set-up form, (such as your name, address, telephone number, date of birth, email address and gender) to enable them to directly market to you. Our strategic partners gather information for their own purposes and for that reason we cannot exercise control over the uses to which they apply your personal information. All our strategic partners are obliged to comply with the "fair processing code" contained in the Data Protection Act 1998, which requires them to inform you about (or make readily available to you) the following information:
We supply your personal details such as name and address to some suppliers where it is necessary in order to fulfil our obligations to you in setting up and maintaining the account. For example, we use external suppliers for the production and delivery of your Mastercard® card, online password and welcome pack.
Where required by law, strategic partners and suppliers are certified or authorised and regulated to the required standards.
This site may contain links to other sites. Fair Everywhere is not responsible for the privacy practices or the content of such other websites.
We will not provide your details to third parties such as merchants that accept payment using the Fair Everywhere prepaid Corporate Mastercard®. They will have separate privacy and data collection practices and Fair Everywhere has no responsibility or liability for their practices.
While we may collect certain information such as hobbies or lifestyle information from competitions, we will not disclose any personal information collected in this way to merchants. Only aggregate data (which is not personalised) gathered from competitions may be shared from time to time with merchants.
Your personal data may be transferred outside the UK and the European Economic Area. If these countries do not have adequate protections for personal data under applicable laws we will take all necessary steps to safeguard your personal data.
You are free to opt out of receiving all marketing communications from us and our strategic partners at any time by contacting us or logging into your online account.
If you choose to opt out, we will not use personal identifying information for promotional offers or share the information with our strategic partners.
Should you be opted in to receive email correspondence, there is an unsubscribe link on each email we send out, if you use this, we will not send any unsolicited mail to your registered email address.
Communications regarding changes to existing products or services held, our terms, conditions and policies is important and sometimes critical. You may not opt out of receiving these communications.
If any of your details are recorded incorrectly and need to be changed, please contact us on 0808 1069 5195 with details of the required changes and the reasons for the change. Proof of change of address may be needed.
Customer service opening times:
The information Fair Payments Limited (which is the issuer of your Fair Everywhere Prepaid Mastercard® and the operator of your card account) and Global Processing Services Ltd (who will provide card administration services on Fair Payments Limited’s behalf) hold about you, will be used to provide the products and services requested and for identification, account administration and fraud/loss prevention purposes.
More details about how your information is used can be found in the Fair Everywhere terms and conditions.