Privacy Policy

Introduction

BilinkPay is a trading name of Bilink Horizon Pay Limited, registered in England & Wales with Registration No. 16243788 ("BilinkPay", "We", "our", "us"). We are a financial service provider for individuals and businesses, fully committed to the requirements of the UK Data Protection Act (DPA) and the EU General Data Protection Regulation ("GDPR").

BilinkPay is the Data Controller of your information collected in the provision of BilinkPay services. This Policy explains what you can expect from us and what we need from you in relation to your personal data. Please read this carefully — this policy is legally binding when you use our Services.

Principles We Follow

We process your personal data in accordance with GDPR and the following data protection principles:

• Accuracy: We take reasonable steps to ensure your data is accurate and rectify any inaccuracies without delay.
• Fairness and lawfulness: We collect and process your personal data in a legal and fair manner.
• Data minimisation: We process only what is adequate, relevant, and necessary for the stated purpose.
• Purpose limitation: We process your data only for specific, explicit, and legitimate purposes as outlined in this Policy.
• Security and confidentiality: We apply appropriate technical and organisational measures to keep your data secure.
• Transparency: We inform you of how your data is collected, processed, and used.

What Personal Information Do We Collect?

We may collect, use, store and transfer different kinds of personal data about you, including but not limited to:

• Identity Data: First name, maiden name, last name, title, date of birth, gender, identity documents.
• Contact Data: Residential address, proof of address, email address, telephone numbers.
• Employment details.
• Technical Data: IP address, login data, browser type and version, operating system and platform.
• Profile Data: Username and password, purchases or orders, interests, preferences, feedback and survey responses.
• Usage Data: Information about how you use our website and app.
• Marketing and Communication Data: Your preferences for receiving marketing and your communication preferences.
• Financial Data: Bank account and payment card details.

We do not directly collect any special categories of personal data (including race, ethnicity, religious beliefs, sex life, sexual orientation, political opinions, health data, or biometric data) unless legally required.

How Do We Use Your Information?

We use your personal data to:

• Provide our products and services — take steps prior to and perform the contract, keep records up to date.
• Fulfil our legal obligations — respond to GDPR rights requests, comply with regulatory requirements, establish and defend legal rights, prevent and investigate crime, monitor account communications.
• Carry out our legitimate interests — governance, accounting, auditing, market research, fraud detection, identity verification, and improving our products and services.

How Long Do We Hold Your Information?

We keep your data whether or not you become a BilinkPay customer:

• For as long as it takes to deal with your query.
• For as long as you might legally bring a claim against us.
• After your account has been closed, based on our legal and regulatory requirements.

Your Rights

Under GDPR, you have the following rights:

You are free to withdraw your consent at any time, though this may result in us being unable to perform certain services for you.

Fraud Prevention & Money Laundering Checks

We may use your personal details to conduct identity checks as required by law to prevent money laundering. The personal information we have collected from you may be shared with fraud prevention agencies. If fraud is detected, you could be refused certain services, finance, or employment.

Automated Decision Making

We may process your personal data without human intervention to evaluate your personal situation — for example, transactional history or account-opening events — to determine suitable marketing communications, analyse statistics, or assess risks. This is done on the basis of our legitimate interests and, where required, as necessary to perform the contract.

Sharing Your Information

We will not sell, share, or rent your information to others except as set out in this policy. We may share your data with:

• Organisations providing operational services relating to BilinkPay cards and services.
• Service providers, IT and system administration providers, and professional advisers (lawyers, auditors, insurers).
• Tax authorities, regulators, and other governmental bodies.
• Fraud prevention and credit reference agencies.
• Card producers and suppliers necessary to fulfil our obligations to you.
• A purchaser in the event of a sale of the company or its assets.

We will not provide your details to merchants who accept payment from your BilinkPay card. If you are outside the EEA and make payments, we may process through other institutions — please note that standards in other jurisdictions may differ from those in the EEA.

Data Security & Storage

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, accessed, altered, or disclosed without authorisation. We store your data on secure, encrypted servers located in secure data centres in the EEA. Access is strictly limited to personnel with a business need to know.

We have procedures to deal with any suspected personal data breach and will notify you and the applicable regulator where we are legally required to do so.

Cookies

Our website uses cookies to enable sign-in functionality, analytics, personalisation, and security. You can find full details about the cookies we use in our Cookie Policy. Strategic partners may also use cookies on our site, though we have no access to or control over these.

Transferring Data Overseas

We might transfer your personal data outside of the UK and EEA. In all such cases, we take all necessary steps to ensure the data is held securely and processed in line with applicable UK laws.

Opting Out of Marketing

You may opt out of receiving marketing communications at any time by contacting us or using the unsubscribe link in any marketing email. Note that communications regarding changes to products, terms, and policies are important and you may not opt out of these.

Contact Us & Complaints

To access your personal data, correct inaccuracies, or exercise any of your rights, please contact our Data Protection Officer:

If you wish to make a complaint about our handling of your data, you can contact the Information Commissioner's Office (ICO) at ico.org.uk. We would, however, appreciate the opportunity to address your concerns first.

Changes to This Policy

If we make significant changes to this Privacy Policy, we will notify you by email to your registered address. It is your responsibility to check the website periodically for the most current version.