Privacy Policy

UK Payment Solutions ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose and safeguard your personal information when you visit our website, request a quote, or use our card payment services.

We are the data controller of any personal data that you provide to us. We process personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

We may collect and process the following categories of information:

• Contact information — your name, business name, email address, telephone number and postal address.
• Business information — industry sector, number of locations, expected transaction volumes and trading history where required by our acquiring partners.
• Identity information — for compliance with anti-money laundering requirements, including proof of identity and address of directors and beneficial owners.
• Financial information — bank details to settle card transactions to your nominated account.
• Technical information — IP address, browser type and version, time zone, operating system and platform when you visit our website.
• Usage information — information about how you use our website and services.

We use the information we collect for the following purposes:

• To respond to your enquiry and provide a tailored quotation.
• To set up and provide our card payment services.
• To meet our legal and regulatory obligations, including KYC and AML checks.
• To process transactions and settle funds to your bank account.
• To provide customer support and respond to your queries.
• To improve our website, products and services.
• To send service updates and, where permitted, marketing communications.
• To detect, investigate and prevent fraudulent or unlawful activity.

We process your personal information on one or more of the following lawful bases:

• Performance of a contract — where we need to provide the services you have asked us to provide.
• Legitimate interests — where it is in our or a third party's legitimate interest, and your rights do not override those interests.
• Legal obligation — where we are required to comply with a legal or regulatory obligation.
• Consent — where you have given us specific consent, for example for direct marketing.

We may share your personal information with:

• Our acquiring bank and payment processing partners who provide the underlying card processing services.
• Identity verification, fraud prevention and credit reference agencies.
• Service providers who help us run our business, such as IT, marketing and customer support providers.
• Regulators, law enforcement and other public authorities where required by law.
• Professional advisers such as auditors, lawyers and accountants.

We do not sell your personal information to third parties.

Where we transfer personal data outside of the UK or European Economic Area, we ensure that appropriate safeguards are in place, such as the UK International Data Transfer Agreement or Standard Contractual Clauses approved by the Information Commissioner's Office (ICO).

We retain personal data only for as long as is necessary for the purposes for which it was collected, or to comply with our legal, regulatory and contractual obligations. Records relating to merchant accounts are typically retained for a minimum of six (6) years after the end of our relationship, in line with HMRC and anti-money laundering requirements.

Under UK data protection law, you have the following rights:

• The right to be informed about how your personal data is used.
• The right of access to a copy of your personal data.
• The right to rectification of inaccurate or incomplete data.
• The right to erasure of your personal data in certain circumstances.
• The right to restrict processing of your data.
• The right to data portability.
• The right to object to processing based on legitimate interests or direct marketing.
• Rights related to automated decision-making and profiling.

To exercise any of these rights, please contact us using the details at the bottom of this policy. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

Our website uses cookies and similar technologies to provide and improve our services, analyse traffic and personalise content. You can control cookies through your browser settings. Essential cookies are required for the website to function and cannot be disabled.

We take the security of your personal data seriously. We use industry-standard technical and organisational measures including encryption in transit and at rest, access controls, and regular security testing. While no system is completely secure, we work hard to protect your information from loss, misuse and unauthorised access.

We may send you marketing communications about our products and services where you have consented or where we have a legitimate interest to do so. You can opt out at any time by clicking the unsubscribe link in any marketing email, or by contacting us directly.

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. For significant changes, we will notify you by email where appropriate.

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us at:

UK Payment Solutions
Email: privacy@ukpaymentsolutions.co.uk
Phone: 0800 123 4567
Address: Manchester, United Kingdom