1. Introduction
This is the privacy policy or ‘privacy notice’ of takepayments Limited ("takepayments", "us" or "we"), which applies to all personal data we process, other than relating to our employees (which are covered by a separate privacy policy).
When we refer to ‘personal data’ in this privacy policy, this means any information about an individual (either in isolation or in combination with other information held by us) from which that person can be identified. This may include information such as name, title, date of birth, gender, postal address, email address, computer IP address, telephone number, bank account details or identification documents.
This privacy policy governs the collection and use of personal data by takepayments. This includes any personal data you may provide as part of any contract you enter into with us, any personal data you provide (or is available to us) through your use of takepayments’ website and which we may obtain from other sources.
We are committed to protecting and respecting your privacy. This privacy policy explains the types of personal data we collect, how we use that personal data, who we share it with, how we protect that personal data, and your legal rights in relation to your personal data.
It is important that you read this privacy policy together with any other privacy notice (or ‘fair processing’ notice) we may provide on specific occasions when we are collecting or processing personal data about you, so that you are fully aware of how and why we are using your personal data. This privacy policy supplements any such other notices and is not intended to override them.
This version of the privacy policy is effective as of 02 November 2023.
2. Who we are
For the purpose of applicable data protection laws, the data controller is takepayments Limited whose registered office is 4th Floor Highbank House, Exchange Street, Stockport SK3 0ET. For more information about takepayments please see: www.takepayments.com
We have appointed a Data Protection Officer who is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy, including any requests to exercise your legal rights, please contact the Data Protection Officer using the contact details set out at the bottom of this privacy policy.
3. Keeping your personal data up to date
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes at any time, either by contacting our Customer Services teams, or by contacting the Data Protection Officer using the contact details set out at the bottom of this privacy policy.
4. Changes to this privacy policy
We reserve the right to amend this privacy policy at our sole discretion, without prior notice to you. We will notify you of any such changes (including when they will take effect). Your continued use of our services or our website following the posting of changes to these terms means that you consent to those changes (but this does not affect your rights set out in section 13 below).
5. What is covered by this privacy policy
This privacy policy covers all personal data collected and used by takepayments. The different types of personal data we may collect are referred to below. We use these terms elsewhere in this privacy policy to cover the relevant personal data referred to:
6. Collection of personal data
We may collect personal data about you from different sources detailed below.
Information you give us:
Unless expressly stated below, you are not bound by any contractual or statutory obligation to provide personal data to us. However, if you choose to enter into a contract with us then we will need certain information for the purposes of entering into and performing that contract (which may include personal data) and we may not be able to conclude a contract with you without that information.
When you access and browse our website (including when you fill in forms on our website), when you correspond with us by phone or email or other electronic means and when you enter into a contract with us or order our services, you may give us information about yourself.
The information you give us may include your name, business name, postal address, email address, landline and/or mobile telephone number, bank account information, identification documents, employment details as well as other personal data. This includes personal data you provide when you:
In some cases, it is a term of our contract with you that you must provide us with certain information (such as information for the purposes of us conducting credit checks or requesting bank or trade references, information regarding your identity or your business for the purposes of verifying your identity or the existence and nature of your business, or details of your bank account for the purposes of payments to be made under the contract). In these cases, it is a contractual obligation that you provide us with this information. If you do not then you may be in breach of contract (which may result in you incurring financial liability to us) and we may be entitled to terminate your contract. There may also be other legal consequences for you if you do not give us any information which you are required by law to provide. Where there is no contract already in place and you do not give us the relevant personal data then we may not be able to conclude a contract with you.
We do not ordinarily collect or require you to provide any sensitive personal data (which the law refers to as ‘Special Categories of Personal Data’ and which we refer to in this privacy policy as ‘Sensitive Data’). This means personal data such as details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, genetic and biometric data and information about your criminal convictions or offences. However, it is possible that you may choose to provide Sensitive Data to us (for example, if you choose to tell us that you have health issues).
Information we collect about you:
With regard to each of your visits to our website, we may also use cookies and other technologies to automatically collect the following information:
We collect the above information by using cookies and other similar technologies connected to our website. Our website also use cookies to distinguish you from other users. This helps us to provide you with a good experience when you browse the websites and also allows us to improve our website. For detailed information on the cookies we use and the purposes for which we use them, please see our cookie policy at: www.takepayments.com/cookie-policy.
Information we receive and collect from other sources:
We work closely with third parties, such as providers of merchant acquiring services and providers of other products and services and we may receive information about you from them. In some instances, this may include receiving information about you from third parties we work with if you contact them when you should have contacted us, in which case they may pass us all the information you provided to them.
We also work with companies which provide us with your contact details so that we can contact you about our products and services. We may also be provided with information about you from your employer or another third party which engages your services. We may also collect information about you from publicly available sources, including Companies House.
The different kinds of personal data about you which we may collect and process from third parties are:
Aggregated data
We also collect, use and share aggregated data such as statistical or demographic data for any purpose. Such aggregated data may be derived from your personal data but is not considered personal data in law (as this data does not directly or indirectly reveal your identity). For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect any such aggregated data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.
We will only use your personal data when the law allows us to. Each basis on which we are lawfully permitted to process your personal data is known as the ‘legal basis’ for processing.
The purposes for which we may use your personal data and the types of legal basis that we will rely on to process your personal data are set out in the table below. Note that we may process your personal data for more than one legal basis depending on the specific purpose for which we are using your data (as shown in the table). Where more than one is shown, please contact us if you would like details about the specific legal basis we are relying on to process your personal data.
Purpose/Activity |
Type of personal data |
Legal basis for processing |
To register you as a new customer. |
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To process and deliver any products and services you have ordered. |
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To make checks to verify your identity. |
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To make financial checks about you (including checking your credit history and making searches with licensed credit reference agencies) and seeking bank and/or trade references. |
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To manage our relationship with you, which will include administration of your contract (including managing and collecting fees due to us and dealing with any complaints or concerns) and notifying you about changes to your contract terms or our privacy policy. |
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To use videos and images recorded by dashcam on our company cars, in order to investigate, report and manage accidents or incidents involving use of the company cars or drivers of our company cars and any associated claims. |
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To enable you to partake in a prize draw, competition or complete a survey. |
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To administer and protect our business (including our relationships with third party service providers) and our website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data). |
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To deliver relevant website content and advertisements to you and understand or measure the effectiveness of our advertising |
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To use data analytics to improve our website, products and services, marketing, customer relationships and experiences. |
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To make suggestions and recommendations to you about goods or services (whether provided by us or businesses we deal with) that may be of interest to you. |
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To pass your data to third party providers of your merchant acquiring services and providers of other products and services that may be provided to you by companies we work with, for the purposes of administering, monitoring and fulfilling the performance of their contracts with you and/or their contracts with us. |
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To pass your data to third parties (where you have agreed to us doing so), for those companies to contact you regarding their goods and services.
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To comply with legal requirements (including where you exercise any of your rights referred to in this privacy policy), to exercise our legal rights and to bring or defend legal claims. |
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We will only use your personal data for the purposes shown above. If we need to use your personal data for a different purpose, we will update this privacy policy and notify you of the change before starting any such new processing.
Please note that in some circumstances we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
8. Transfers of personal data
We may share your personal data with the parties set out below for the purposes shown:
We may also disclose your personal data to third parties:
As mentioned above, we may share information about your account with us (including your financial position) with credit reference agencies and this information may be linked to records relating to other people living at the same address with whom you may be financially linked. Other credit grantors may use this information to make credit decisions about you and the people with whom you are financially associated.
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. Our third-party service providers (to the extent they are acting as our data processors) are contractually bound to use personal data only to perform the services that we have engaged them to provide and they are only permitted to process your personal data in accordance with our instructions.
Please note that some of our external third-party service providers are based outside the United Kingdom (UK), so their processing of your personal data will involve a transfer of data outside the UK. Please see section 9 about personal data being processed outside of the UK.
9. Where we store your data
Usually your personal data will be stored in the United Kingdom (UK). However, some of our external third-party service providers are based outside the UK, so your personal data may be transferred to a destination outside of the UK. This means it may also be stored and processed at a destination outside of the UK, including by staff operating outside the UK who work for one of our service providers.
Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it as applies within the UK, by ensuring that certain minimum legal safeguards are met or implemented. We take all steps that are mandatory or reasonably necessary to ensure that your personal data is treated securely and in accordance with applicable data protection laws.
Please contact us if you want further information about the circumstances in which we transfer your personal data out of the UK or the safeguards we use.
10. How long we store your personal data for
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting or reporting requirements.
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 requirements.
Details of the periods for which we retain different aspects of your personal data can be found in our Data Retention Policy at: https://www.takepayments.com/data-retention-policy.
In some circumstances, you can ask us to delete your personal data. Please see section 13 regarding ‘Your Rights’ for further information.
11. Security of your personal data
We use administrative, technical, and physical measures to safeguard personal data against loss, theft and unauthorised uses, access or modifications. Our staff and our third-party service providers are under a duty to process your personal data only in accordance with our instructions and they are subject to a duty of confidentiality regarding your personal data.
Certain areas of our website may be password protected. Where we have given you (or where you have chosen) a password, you are responsible for keeping this password confidential. We ask you not to share your password(s) with anyone.
Payments made to us via our website or processed by us whilst you are on the telephone are processed in a secure environment using software provided by third party providers.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
12. Third party websites and apps
Our website may contain links to and from third party websites and we may provide you with details of apps provided by third parties. Please note that if you follow a link to any of these websites or download an app, these websites and apps will have their own terms of use and privacy policies and that we do not accept any responsibility of liability for these policies. Please check these terms and policies before you submit any personal data to these websites or apps.
13. Your rights
You have the rights set out below with respect to the personal data that we hold about you. To exercise any of these rights, you should contact us by using the contact details set out at the bottom of this privacy policy.
You will not normally have to pay a fee to exercise any of these rights. 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 when you seek to exercise any of your 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 help clarify the scope of your request.
We try to respond to all legitimate 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.
Your right to access the personal data we hold about you
You have the right to ask us whether or not we process your personal data and to request information on the purposes of data processing as well as confirmation on whether we use your personal data for these purposes only.
In some circumstances, we may not be able to give you access to the personal data we hold about you (for example, we may not be able to give you access if it would unreasonably affect someone else's privacy or if giving you access poses a serious threat to someone's life, health or safety).
You also have the right to be informed of the third parties to which we transfer your personal data within the scope of this privacy policy.
Your right to have your personal data corrected
You can contact us to have any incomplete or inaccurate data we hold about you corrected, although we may need to verify the accuracy of the new data you provide to us.
Your right to erasure of your personal data
You can ask us to delete or remove your 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 personal data unlawfully or where we are required to erase your personal data to comply with local law.
Please note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, after you make your request.
Your right to request restriction of the processing of your personal data
You may ask us to suspend the processing of your personal data:
We will inform you when you decide to lift any such restriction on processing.
Your right to object to us processing your personal data
You have the right to ask us to stop processing your personal data:
We will only process your data for direct marketing purposes if you have previously agreed to this, but if you change your mind you can easily unsubscribe from our marketing communications at any time by following the instructions included in these marketing communications.
Please note that, if you have consented to receive offers from our partners, our partners are responsible for taking account of your rights, including your right to opt-out of receiving offers from them.
Where we are relying on your consent to process your personal data, you may withdraw consent at any time. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent.
Your right to object to automated decision making
You have the right not to be subject to a decision which is based exclusively on automated processing and produces a legal effect or a similarly significant effect on you. In these circumstances, you are entitled to obtain human intervention, express your point of view and obtain an explanation of the decision and challenge it. However, this right does not apply if the automated decision is necessary for entering into or performance of a contract between you and us, is authorised by law or is based on your explicit consent.
Please note that we do not undertake any such automated processing. However, when we undertake credit checks and/or identity verification checks in connection with the entry into a contract with you, we may use an automated decision making service provided by third parties (such as Business IQ, an Experian service). Whilst this is an automated service, if the results of any such check reveal any adverse information then we use human intervention to assess those results and to make any decision which may affect your status under that contract.
Your right to have your personal data transmitted to another organisation
Where we process personal data about you which:
you have the right to ask us to provide you with the personal data we hold about you in a structured, commonly used and machine-readable format or, where technically feasible, to transmit that data to another organisation.
Making a complaint
You have the right to lodge a complaint to the Information Commissioner's Office, the UK supervisory authority for data protection issues (www.ico.org.uk), if you believe that we have not complied with applicable data protection laws. You also have a right to claim damages if processing of your personal data violates applicable data protection law.
We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
14. Contacting us
If you have any questions about this privacy policy, or if you wish to exercise your rights as referred to in this privacy policy, please contact us by:
The Data Protection Officer
takepayments Limited
4th Floor,
Highbank House,
Exchange Street,
Stockport,
Cheshire
SK3 0ET
or