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Privacy Policy

Privacy Policy for paid.co.uk

Last updated: 28th November 2024

This privacy policy is divided into the following sections:

A. IMPORTANT INFORMATION AND WHO WE ARE
B. WHAT TYPES OF PERSONAL DATA WE COLLECT
C. HOW WE COLLECT YOUR PERSONAL DATA
D. HOW WE USE YOUR PERSONAL DATA
E. DISCLOSURES
F. DATA RETENTION
G. YOUR LEGAL RIGHTS
H. HOW TO CONTACT US
I. COMPLAINTS
J. CHANGES TO THE PRIVACY POLICY AND YOUR OBLIGATION TO INFORM US OF CHANGES

A. IMPORTANT INFORMATION AND WHO WE ARE

This website is operated by Paid Technology Ltd, a private limited company incorporated and registered in England and Wales with company number 11557688 whose registered address is at 140 Coniscliffe Road, Darlington, DL3 7RT.

We take your privacy very seriously and we ask that you read this privacy policy carefully as it contains important information on:

the personal data we collect about you;
what we do with your information; and
who your information might be shared with.

Paid Technology Ltd ('we' or 'us') are a data controller for the purposes of the applicable UK data legislation. This means we are responsible for, and control the processing of, your personal data, which we will do in accordance with this privacy policy.

B. WHAT TYPES OF PERSONAL DATA WE COLLECT

Personal data means any information about an individual from which that person can be identified.

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

Identity Data includes your first name, last name, any previous names, username or similar identifier, title, date of birth and gender and photographic identification.
Contact Data includes your address, email address and telephone numbers.
Financial Data includes your bank account and payment card details. It also including credit checking - we may do a credit check on your business (if applicable) to prevent and detect fraud and money laundering. Our search will be recorded on the files of the credit reference agency. If you provide false or inaccurate information to us and we suspect fraud, we will record this. If you would like to see your credit file, please contact the credit reference agency which we use: www.creditsafe.com
Transaction Data includes details about payments to and from you and other details of services you have purchased from us.
Technical Data includes your internet protocol (IP) address, your login information, browser type and version, operating system and platform, device ID and other technology on the devices you use to access this website, page response times and download errors.
Profile Data includes your username and password, purchases or orders made by you, your feedback and survey responses.
Usage Data includes information about how you interact with and use our website, products and services.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect, use and share aggregated data such as statistical or demographic data which is not personal data as it does not directly (or indirectly) reveal your identity. For example, we may aggregate individuals' Usage Data to calculate the percentage of users accessing a specific website feature in order to analyse general trends in how users are interacting with our website to help improve the website and our service offering.

C. HOW WE COLLECT YOUR PERSONAL DATA

We use different methods to collect data from and about you including through:

1 . Your interactions with us. You may give us your personal data by filling in online forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:

apply for our products or services;
create an account on our website;
subscribe to our service or publications;
request marketing to be sent to you;
enter a competition, promotion or survey; or
give us feedback or contact us.

Please note that we may monitor and record communications with you (such as telephone conversations and emails) for the purpose of quality assurance, training, fraud prevention and compliance.

2. Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. Please see our cookie policy for further details: https://help.paid.co.uk/knowledge/cookie-policy.

3. Third parties or publicly available sources. If we are required to verify your identity as part of our services, we may receive personal data about you from various third parties and public sources as set out below:

Credit reference agency Credit Safe
ID verification via GB Group PLC
ID verification via Onfido
PEPs, sanctions and adverse media from Moody's Grid

D. HOW WE USE YOUR PERSONAL DATA

1. Legal basis

The law requires us to have a legal basis for collecting and using your personal data. We rely on one or more of the following legal bases:

Performance of a contract with you: Where we need to perform the contract we are about to enter into or have entered into with you.
Legitimate interests: We may use your personal data where it is necessary to conduct our business and pursue our legitimate interests, for example to prevent fraud and enable us to give you the best and most secure customer experience. We make sure we consider and balance any potential impact on you and your rights (both positive and negative) before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).
Legal obligation: We may use your personal data where it is necessary for compliance with a legal obligation that we are subject to. We will identify the relevant legal obligation when we rely on this legal basis.
Consent: We rely on consent only where we have obtained your active agreement to use your personal data for a specified purpose, for example if you subscribe to an email newsletter.

2. Purpose

We have set out below, in a table format, a description of all the ways we may use the categories of your personal data depending on the services you receive from us, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Purpose/Use

Type of data

Legal basis

To register you as a new customer and, if required, identify you

(a) Identity

(b) Contact

Performance of a contract with you

To manage any accounts you hold with us and provide our services, including processing payments and the performance of any credit checks

(a) Identity

(b) Contact

(d) Transaction

(e) Marketing and Communications

(a) Performance of a contract with you

(b) Necessary for our legitimate interests (to recover debts due to us)

To manage our relationship with you which will include:

(a) Notifying you about changes to our terms or privacy policy

(b) Dealing with your requests, complaints and queries

(d) detection of fraudulent transactions and security vetting

(a) Identity

(b) Contact

(d) Marketing and Communications

(e) Financial

(a) Performance of a contract with you

(b) Necessary to comply with a legal obligation

To conduct research, statistical analysis and behavioural analysis

(a) Identity

(b) Contact

(d) Usage

(e) Marketing and Communications

(f) Transactional

(a) Performance of a contract with you

(b) Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business)

To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)

(a) Identity

(b) Contact

(a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)

(b) Necessary to comply with a legal obligation

To deliver relevant website content and online advertisements to you and measure or understand the effectiveness of the advertising we serve to you, including customising our website and its content to your preferences.

(a) Identity

(b) Contact

(d) Usage

(e) Marketing and Communications

(f) Technical

Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)

To use data analytics to improve our website, products/services, customer relationships and experiences and to measure the effectiveness of our communications and marketing

(a) Technical

(b) Usage

Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)

To send you relevant marketing communications and make personalised suggestions and recommendations to you about goods or services that may be of interest to you based on your Profile Data

(a) Identity

(b) Contact

(d) Usage

(e) Profile

(f) Marketing and Communications

Consent, having obtained your prior consent to receiving direct marketing communications

E. DISCLOSURES

We may disclose your personal data to:

Service providers and credit reference agents—see Financial Data above;
law enforcement agencies in connection with any investigation to help prevent unlawful activity; and
our business partners in accordance with the 'Marketing ' section below.

Marketing

In addition to the above, we would also like to use your personal data to send you information by post, email, telephone, text message (SMS) or automated calls about our services which may be of interest to you. Other businesses which we have selected carefully may also send you similar marketing messages, but only if you have agreed to this. When you open your account, you can decide what marketing materials you would like to receive by ticking the relevant box on our application forms. You can opt out of receiving marketing materials at any time. See YOUR LEGAL RIGHTS below.

Keeping your data secure

We will use technical and organisational measures to safeguard your personal data, for example:

access to your account is controlled by a password and user name that are unique to you;
we store your personal data on secure servers; and
payment details are encrypted using SSL technology (typically you will see a lock icon or green address bar (or both) in your browser when this technology is in use).

While we will use all reasonable efforts to safeguard your personal data, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data that are transferred from you or to you via the internet. If you have any particular concerns about your information, please contact us (see 'How you contact us' below).

What can I do to keep my information safe?

If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org Get Safe Online is supported by HM Government and leading businesses.

International transfers

We may transfer your personal data to service providers that carry out certain functions on our behalf. This may involve transferring personal data both inside and outside of the European Economic Area (EEA). Whenever we transfer your personal data out of the EEA to service providers, we ensure a similar degree of protection is afforded to it by ensuring that the following safeguards are in place:

We will only transfer your personal data to countries that have been deemed by the UK to provide an adequate level of protection for personal data; and/or
We may use specific standard contractual terms approved for use in the UK which give the transferred personal data the same protection as it has in the UK.

F. DATA RETENTION

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you. To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements. By law we are obliged to keep basic information about our customers (including contact, identity, financial and transaction data) for six years after they cease being customers for tax purposes.

In some circumstances you can ask us to delete your data: see YOUR LEGAL RIGHTS below.

In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

G. YOUR LEGAL RIGHTS

You have a number of rights under data protection laws in relation to your personal data.

Right to request a copy of your information

You can request a copy of your information which we hold (known as a subject access request). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it. To do so, please:

email, call or write to us (see 'How can you contact us' below)
let us have proof of your identity and address (a copy of your driving licence or passport and a recent utility or credit card bill), and
let us know the information you want a copy of, including any account or reference numbers, if you have them.

Right to correct any mistakes in your information

You can require us to correct any mistakes in your information which we hold. To do so, please:

email, call or write to us (see 'How to contact us' below)
let us have enough information to identify you (eg account number, user name, registration details), and
let us know the information that is incorrect and what it should be replaced with.

Right to ask us to stop contacting you with direct marketing

You can ask us to stop contacting you for direct marketing purposes. To do so, please:

email, call or write to us (see 'How can you contact us?' below). You can also click on the 'unsubscribe' button at the bottom of the email newsletter. It may take up to 5 days for this to take place;
let us have proof of your identity and address (a copy of your driving licence or passport and a recent utility or credit card bill), and
let us know what method of contact you are not happy with if you are unhappy with certain ways of contacting you only (for example, you may be happy for us to contact you by email but not by telephone).

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made several requests. In this case, we will notify you and keep you updated.

H. HOW TO CONTACT US

Please contact us if you have any questions about this privacy policy or the information we hold about you.

If you wish to contact us, please send an email to contact@paid.co.uk, write to us at: 140 Coniscliffe Road, Darlington, DL3 7RT or call us on 44 (0) 333 3110126.

I. COMPLAINTS

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

J. CHANGES TO THE PRIVACY POLICY AND YOUR DUTY TO INFORM US OF CHANGES

We may change this privacy policy from time to time. You should check this policy occasionally to ensure you are aware of the most recent version that will apply each time you access this website.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us, for example a new email address.