Privacy Policy

NoFrixion Limited respects your privacy and protecting your information is preeminent. This privacy policy will explain how NoFrixion uses the personal data we collect from you when you use our website to open a customer account and conduct business. We also welcome it as an opportunity to reassure you of the importance we place on keeping your data secure, and of the strict guidelines we apply to its use.

There are a number of reasons for gathering personal data about you. For instance, we need to know how to get in touch with you, we need to be certain of your identity and we need to comply with regulatory requirements regarding the provision of financial services. The personal data we collect falls into various categories, such as:

Identity & Contact information

Name, date of birth, copies of ID, contact details, PPS number (or foreign equivalent), security details to protect identity, nationality, home status and address, email address, work and personal phone numbers, marital status, family details, tax residency and tax related information. If you engage with us through social media then this may also include your social media contact details, such as your LinkedIn address or Twitter username.

Company Details

Company name, date of incorporation, company number, registered address, VAT number, details of directors and shareholder information including proof of identity and proof of address.

Information we collect about you from publicly available sources

We may collect information available from social media (depending on your settings and the applicable privacy policies), including social media engagement metrics such as numbers of connections, followers and clicks, and information from resources such as Companies Registration Office and Companies House.

Sensitive or special categories of data

We may hold information about you which includes sensitive or special categories personal data, such as but not limited criminal conviction information or biometric information used to uniquely identify you. We will only hold this data when we need to for the purposes of the product or services we provide to you, where we are processing the data for a substantial public interest, where we have a legal obligation or where we have your consent to do so. Examples of when we use this type of data include:

Information which you have consented to us using

Your contact details and marketing preferences are used to share news about relevant services, products and offers that we think may be of interest to you. You can find out more about how we use your personal information in relation to marketing activities including updating your marketing preferences in Section 5 below.

Information from online activities

Other personal information

Sometimes we may collect and use your information even though you are not a customer of ours

For example, you may be a beneficiary, guarantor, director, cardholder or representative of one of our customers, or you may be in the process of making an application for a NoFrixion product or service. In other cases, your own circumstances may have a material impact on the ability of our customer to perform their obligations to us, and we will need to consider these. If so, we will apply the principles outlined in this Data Privacy Policy when dealing with your information.

You directly provide NoFrixion with most of the data we collect. We collect data and process data when you:

NoFrixion collects your data so that we can:

If you agree (and you may withdraw permission at any time), NoFrixion will share your data with our partner companies so that they may offer you their products and services.

When NoFrixion processes your order, it may send your data to, and also use the resulting information from, credit reference agencies to prevent fraudulent purchases.

Whether we're using it to confirm your identity, to help in the processing of an application, for a product or service or to improve your experiences with us, your information is always handled with care and the principles outlined in this Data Privacy Policy are always applied. Whether we're using it to confirm your identity, to help in the processing of an application, for a product or service or to improve your experiences with us, your information is always handled with care and the principles outlined in this Data Privacy Policy are always applied.

NoFrixion engages Microsoft as a Cloud Service Provider for the secure storage of your data in their Azure cloud service. Microsoft Azure has adopted numerous standards and codes of practice pertaining to system and data security in the cloud.

Your data is fully encrypted both in transit and while stored as part of this arrangement.

As a general rule, we keep your information for a specified period after the date on which a transaction has completed or you cease to be a customer. In most cases this period is 7 years after the end of a transaction, or 6 years after you cease to be a customer.

However, the length of time we hold your data depends on a number of factors, such as regulatory rules and the type of financial product we have provided to you.

Those factors include:

NoFrixion would like to send you information about products and services of ours that we think you might like.

If you have agreed to receive marketing, you may always opt out at a later date. You have the right at any time to stop NoFrixion from contacting you for marketing purposes.

NoFrixion would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

Or write to us:
c/o- Data Protection Officer
NoFrixion,
Carmichael House,
60 Baggot Street Lower,
Dublin 2,
D02 KP79,
Ireland.

Cookies are text files placed on your computer to collect standard Internet log information and visitor behaviour information. When you visit our websites, we may collect information from you automatically through cookies or similar technology.

For further information, visit allaboutcookies.org.

How do we use cookies?

NoFrixion uses cookies in a range of ways to improve your experience on our website, including:

What types of cookies do we use?

There are a number of different types of cookies, however, our website uses:

The NoFrixion website contains links to other websites. Our privacy policy applies only to our website, so if you click on a link to another website, you should read their privacy policy.

NoFrixion keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last updated on 15 February 2022.

If you have any questions about NoFrixion's privacy policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.

Email us at: info@nofrixion.com

Or write to us:
c/o- Data Protection Officer
NoFrixion,
Carmichael House,
60 Baggot Street Lower,
Dublin 2,
D02 KP79,
Ireland.

Should you wish to report a complaint or if you feel that NoFrixion has not addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office:

dataprotection.ie/en/contact/how-contact-us