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:
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 name, date of incorporation, company number, registered address, VAT number, details of directors and shareholder information including proof of identity and proof of address.
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.
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:
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.
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:
Establish your eligibility for our products and services.
Manage and administer your accounts.
Process your applications for financial services.
Process payments that are paid to you or by you.
To comply with our legal and regulatory obligations, including:
Complying with binding requests for information from other payment service providers you have instructed to act for you, including complying with our obligation to provide access to your Account information to an Account Information Service Provider (AISP), Card Based Payment Instrument Issuer (CBPII) or a Payment Initiation Service Provider (PISP), where you or your joint Account Holder has instructed the AISP, CBPII or the PISP to access the information.
Complying with binding requests for information about you from other payment service providers from whom you may have received payments in error so that the payer's financial service provider may contact you directly. This information will include your name, address, and relevant transaction information.
Complying with binding production orders or search warrants, and orders relating to requests for mutual legal assistance in criminal matters received from foreign law enforcement agencies/ prosecutors.
For other reasons where a statutory reason exists, including use of your Personal Public Service (PPS) number (or foreign equivalent).
Complying with court orders arising in civil or criminal proceedings.
Performing a task carried out in the public interest.
Where required to comply with our obligations under the Payment Services Regulations relating to fraud prevention - including monitoring your use of our online banking software or security tools
Contact you by post, phone, text message, email, digital message, using our website or other means, but not in a way contrary to your instructions to us or contrary to law.
Monitor and record our conversations when we communicate (for example, to check your instructions to us, to analyse, to assess and improve customer service; for training and quality purposes; and for verification, fraud analysis and prevention purposes).
Protect our business, reputation, resources, and equipment, manage network and information security (for example, developing, testing and auditing our websites and other systems, dealing with accidental events or unlawful or malicious actions that compromise the availability, authenticity, integrity and confidentiality of stored or transmitted personal data, and the security of the related services) and prevent and detect fraud, dishonesty and other crimes.
Recover debts you may owe us.
Manage and respond to a complaint or appeal.
Carry out strategic planning
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.
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
60 Baggot Street Lower,
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.
There are a number of different types of cookies, however, our website uses:
Email us at: firstname.lastname@example.org
Or write to us:
c/o- Data Protection Officer
60 Baggot Street Lower,
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: