Privacy Policy


Privacy Policy

Northern Fides Ltd (“Northern Fides”, “we” or “us”), recognises the importance of the protection of personal data.

Before communicating any personal data, Northern Fides invites you to read this Privacy Policy carefully as it contains important information on how we use your personal data supplied to us and the security measures taken to ensure the protection of this personal data in full compliance with relevant Data Protection Laws (including GDPR).

This Privacy Policy also:

  1. Is intended only for the Website http://northernfides.com/ (“Website”)
  2. Does not apply to other websites consulted via external links or links contained on our Website. Such websites have their own privacy policies and we do not accept any responsibility or liability for these policies

1. Data Controller

The Data Controller is Northern Fides as defined above.   We are registered with the Information Commissioners Office (ICO) as a Data Controller, registration number ZA452153 refers.

Our registered address is City Tower, 40 Basinghall Street, 17th Floor, London, EC2V 5DE, United Kingdom.

For any information regarding the processing of personal data of the Data Controller, including the list of data processors, please write to: privacy@nfides.com.

2. What Information Do We Collect From You?

When visiting our Website and utilising our services, it may be necessary for us to collect and process personal data from you as follows:

  • Information provided by you at the time of registering for our service such as: name; telephone number;  email address; residential address;  date of birth;  nationality;  bank account information, other identification details (e.g. passport) and transactional information.  This information may also be input by you when reporting a problem with our Website or other service
  • Any correspondence sent to us by you
  • Navigation data. The computer systems of the Website collect some personal data that is required in the use of Internet communication protocols. This information is not collected to be associated with you, but by its very nature could, through processing and association with data held by third parties, allow you to identify yourself. This data is used to obtain anonymous statistical information on the use of the Website and to check its correct functioning.

3. How Do We Use Your Information?

Information that we hold about you is used in the following ways:

  • The execution of a contract of which you are a party or to the execution of pre-contractual measures taken on your request (e.g.: the management of your account)
  • To allow the correct delivery of the various features you requested
  • To fulfil any obligations required by applicable laws, regulations or Community legislation, or satisfy requests from authorities
  • To notify you of any change to our service
  • To develop new products
  • To conduct analysis to track business performance and aid in the operation and protection of the business
  • To ascertain, exercise or defend a right in court or whenever the jurisdictional authorities exercise their jurisdictional duties;
  • To allow navigation of the Website and the provision of our services
  • To find specific requests addressed to us
  • To carry out direct marketing via e-mail for services similar to those signed by you, subject to your refusal to receive such communications, which may be expressed during registration or on subsequent occasions by contacting privacy@nfides.com
  • To carry out marketing activities such as: preparing studies, research, market statistics; send informational and promotional material relating to the activities, services and products Northern Fides and our commercial partners (without any communication of personal data held by us to the aforementioned Partners)
  • Send you surveys to improve the service (“customer satisfaction”). Such communications may be made by e-mail or text message, by mail and / or the use of the telephone with operator and / or through the official pages of Northern Fides on social networks
  • For statistical purposes, without being able to trace your identity.

4. Who We Share Your Information With

In order for Northern Fides to provide you with the requested services, we are required to collaborate with various third parties.  These are partners such as technical sub-contractors, payment and delivery services, analytics providers, credit reference agencies and fraud prevention tools.  Information that may be collected about you from partners can include information which helps us to verify your identity.

We may disclose your personal data to any member of our group, which means our subsidiaries, ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

Your Personal Data may also be shared with:

  • Our banking partner with whom you have your online account and your prepaid card
  • Subjects that typically act as data controllers, namely: i) persons, companies or professional firms that provide assistance and advice to Northern Fides in accounting, administrative, legal, tax and financial matters; ii) subjects delegated to carry out technical maintenance activities; iii) credit institutions, insurance companies and brokers; iv) companies controlling, controlled and connected to Northern Fides, limited to the pursuit of administrative-contracting purposes connected to the performance of organisational, administrative, financial and accounting activities
  • Persons authorised by Northern Fides to process Personal Data that have committed to confidentiality or have an adequate legal obligation of confidentiality; (e.g. employees of Northern Fides)
  • Subjects, bodies or authorities to whom it is mandatory to communicate your personal data in accordance with the provisions of law or orders of the authorities
  • Jurisdictional authorities in the exercise of their functions when required by the Applicable Regulations.
  • Any prospective seller or buyer should we sell or buy any business or assets.

5. Where Is Your Personal Data Stored?

Personal Data that is collected from you may be transferred to, and stored at a location outside of the European Economic Area (EEA).  Staff working for on behalf of Northern Fides located outside the EEA may also process your personal data.  This may be to provide various support services.

Prior to your personal data being transmitted outside the EEA, we will ensure that either the destination country is the subject of an EU Adequacy Decision or there are measures in place that are equal to EEA standards to ensure the security of your data.

Whilst we undertake to do our best to ensure your personal data is protected, and procedures and features are in place to prevent unauthorised access, any transmission of data to our Website is at your own risk.  This is because we are not able to guarantee the security of your data transmitted to our Website as the transmission of data via the Internet is not completely secure. 

6. Data Retention

Northern Fides will process and retain your personal data for the time strictly necessary to achieve the purposes indicated above.  There may be times when we are subject to legislative requirement to retain your data, such as our Anti-Money Laundering obligations.  When such an obligation exists, Northern Fides will ensure Compliance with these requirements.

7. Anti-Money Laundering and Compliance

Northern Fides is required to make all information provided to us available to law enforcement bodies and regulatory authorities in both the country of origin of the funds and the destination country of the funds.

8. Cookies

Northern Fides collects personal data through the use of cookies. This is for the purpose of obtaining information about your general internet usage and some of these are essential for the operation of our Website.  More information on the use of cookies and related technologies is available in our Cookies Policy document which immediately follows this one.

9. Rights Available to Individuals

Data Protection legislation has granted you the below rights in relation to your personal data:

  • Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you.
  • Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data corrected, however, we may need to verify the accuracy of the new data you provide to us.
  • Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Please be aware that we may not always be able to comply with your request of erasure for legal reasons which will you will be advised of at the time of your request.
  • Object to processing of your personal data. This is in situations where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal information for direct marketing purposes. In some cases, we may be able to show that we have compelling legitimate grounds to process your information which override your rights. Due to regulatory requirements, Northern Fides has numerous obligations to process and retain certain personal information for compliance purposes, these requirements supersede any right to objection requests under applicable data protection laws. If you object to the processing of certain personal information, we may not be able to provide you with our services and it is likely we will have to terminate your account.
  • Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it. Please be aware that any requests in relation to the restriction of the processing of your data means that we may not be able to perform the contract we have or are trying to enter into with you. In this case, we may have to cancel your use of our Services but we will notify you if this is the case at the time.
  • Request the transfer of your personal data to you or to a third party. We will provide you with your personal information in a structured, commonly used, machine-readable format, which you can then transfer to an applicable third party. Please be aware that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
  • Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent.  Please be aware, if you withdraw your consent, we may not be able to provide our Services to you and we will advise you of this following receipt of your request.

Should you wish to access any of your rights, please contact us at privacy@nfides.com

10. Data Subject Access Requests (DSAR)

Should you wish to request access to the personal data we hold about you, you are entitled to make a DSAR, by contacting privacy@nfides.com.  Please provide an outline of what data you are requesting, and the reason for your request.  You will not have to pay a fee, however, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

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

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

11. Complaints

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority 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.

12. Changes to this Privacy Policy

Northern Fides reserves the right to modify or simply update its content, in part or completely, due to changes in the applicable legislation. We will inform you of these changes as soon as they are introduced and they will be binding as soon as they are published on the Website. Northern Fides invites you to visit this section regularly to get to know the most recent and updated.

13. Our Contact Details

Should you wish to make any comments or requests in relation to anything in this policy, please contact privacy@nfides.com or write to Northern Fides, City Tower, 17th Floor, 40 Basinghall Street, London, EC2V 5DE.

 

Cookie Policy

When you access or use our content, products and services, information about your general internet usage may be obtained by way of a cookie file.  This is stored either on your browser or the hard drive of your computer. Cookies perform various different functions, and the purpose of this policy is to give you a clearer understanding these.

1. What Are Cookies?

Cookies are small files which are stored on your computer or a website. They are designed to hold a small amount of data specific to a particular client and website, and can be accessed either by the website or your computer. Your browser makes cookies available each time you visit our websites.

2. Why Do We Use Cookies?

Cookies are used to improve your online experience and to ensure that relevant content and functions are delivered and used more effectively.

We use both session cookies and persistent cookies to perform various functions across our sites.

Session cookies are downloaded to your device temporarily for the period that you browse a particular website; these cookies might allow you to navigate between pages more efficiently or enable websites to remember the preferences you select. Persistent cookies can be used to help websites remember you as a returning visitor or ensure the online adverts you receive are more relevant to you.

3. How Do We Use Cookies?

When you visit our website, Cookies will be placed on your device in two ways. Cookies placed by Northern Fides, as the site operator, are called “first party” Cookies. Cookies may also be placed on your device by a party, and these are known as “third party” cookies. Examples of the uses of third-party cookies include collecting information about browser habits and providing tailored content to you.

While there are many different uses for first and third-party cookies, the cookies used by us all fall into one of the following four main categories of cookies:

  • Strictly Necessary Cookies
  • Functionality Cookies
  • Performance Cookies
  • Third Party Marketing / Targeting Cookies

Set out below is more information on these categories of cookies, including their purpose and whether these cookies collect personal data:

Strictly Necessary Cookies

These cookies are strictly necessary to enable you to navigate our website and provide you with a more personalised service. They are used to provide content to you, as a user, and to provide products and services that you have requested.

Such cookies are essential to help your device download or stream information so that you can navigate around our websites and use its features.

Some examples of strictly necessary cookies are:

  • To position information on your device or screen so that you can see and use our websites
  • Remember the language.

These cookies do not remember your preferences or username beyond your current visit.

Some of these cookies do collect your personal data in order to function. They may collect the following types of personal data:

  • IP address
  • Location data
  • Identify you as being logged in our websites

These cookies are deleted when you close your web browser (browser session). Click here  to see how you can control the use of cookies.

Functionality Cookies

These cookies are used to recognise you when you return to our website and allow us to remember the choices you make and to enable us to provide improved features. They also enhance the functionality of our website by storing your preferences. Functional cookies record information about choices you’ve made (such as language preference) and allow us to provide more personal features.

Here are some examples of the uses of performance cookies:

  • To remember your preferences and settings such as language, location and marketing preferences, since your last visit;

Some of these cookies do collect your personal data, to enable us to provide the services as outlined above.

Functional cookies expire after a maximum 2 years. Functionality cookies can be deleted from your browser history at any point before their expiry time. Click here  to see how you can control the use of cookies.

Performance Cookies

These cookies are used to collect information on website usage. Such cookies are used to provide aggregated statistics on visitors to our websites. These statistics are used for internal purposes to help us to analyse and improve the performance of our websites, providing a better user experience.

Here are some examples of the uses of performance cookies:

  • To provide statistics on how our website is used;
  • To assess errors within the user experience.

While these cookies do not identify you personally while you are not logged in, they will collect your browser information and anonymised data, for the purposes outlined above.

In certain cases, some of these cookies are managed by third parties such as Google Analytics. These third parties are not capable of using these cookies for any purpose other than those outlined above and they are unable to identify with these cookies.

Performance cookies are valid for varying periods. Some performance cookies are deleted once you close your browser, while others have an indefinite validity period. Such cookies can be deleted at any stage using your browser settings.

Third Party Marketing/Targeting Cookies

These cookies are used to deliver advertisements relevant to you, based upon your activity on our website.

They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of an advertising campaign.

These cookies record your visit to our website, the pages you have visited and the actions you have taken. We will use this information to make our website and the advertising displayed more relevant to you. We may also share this information with third parties for this purpose and to measure the effectiveness of an advertising campaign.

Targeting cookies are also used to:

  • Collect information about browser habits to target website content and to target advertising;
  • Link to social media networks who may use this information about your visit to target advertising to you;
  • To provide advertisers with information on your visit so that they can present you with adverts that you may be interested in
  • Deliver content and marketing communications tailored to your interests based on information from your visit;
  • To perform site retargeting. A retargeting pixel (a tiny unit of code) on our webpage leaves a cookie in the user’s browser, which causes our adverts to be displayed or to not be displayed to you when you visit certain websites within the retargeting network (e.g. Google Display Network); and
  • To perform search retargeting, which allows our adverts to be displayed on third party webpages, based upon your previous web search activities.

Third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies on our websites. These cookies are likely to be analytical/performance cookies, or targeting cookies. Please note that no personal data is collected, an advertiser is unable to associate the cookie with a particular individual’s name, address or other personal information.

These cookies are placed by third party advertising networks with our permission.

Third party cookies are valid for varying periods. Some cookies expire up to 13 months after they are last updated. Click here  to see how you can control the use of cookies.

4. How you can control the use of Cookies

You can amend your browser settings to block some or all cookies. To do this, follow the instructions provided by your preferred web browser. For your ease of reference we have provided the links below which provide instructions on how to remove and delete cookies for some of the more common web browsers. Please be aware that if you block cookies from the websites, some or all the website’s functions may not perform as intended:

Firefox

Internet Explorer

Google Chrome

Safari

Mobile phone users may have to refer to their handset manual for details on how to block cookies using their mobile browser. For more information about online behavioural advertising cookies and opt-out controls, please go to http://www.youronlinechoices.eu/.