Privacy Policy
This Privacy Policy (“Privacy Policy”) sets out the ways in which NoFrixion Limited (“NoFrixion”, “company” “we” “us “our”) uses and shares personal information (“Personal Data”) we collect when you use our website, portals and other systems to manage and conduct daily business activities. 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.
Any reference in this notice to “applicable laws” is a reference to the domestic laws that apply in Ireland, including local data protection law and the European Union’s General Data Protection Regulation.
If you have any questions regarding the processing of your personal data or if you believe your privacy rights have been violated, please contact dpo@nofrixion.com. If you are aware of unauthorised disclosure of data, please also refer this to us for guidance as to the applicable reporting requirements.
What Personal data do we collect?
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 services.
Personal Data means any information about an individual from which that individual can be identified. The information you provide to us might include but is not limited to:
- your full name, postal address, email address, phone number, (contact details);
- gender;
- date of birth;
- marital status and dependents;
- PPS number or equivalent;
- nationality;
- bank account details and copies;
- tax status or tax codes;
- salary, bonus, pension and benefits information;
- copy of passport and driving licence
- copy of proof of address, ex. utility bill;
- answers to surveys and questionnaires;
- company & business details
- financial and transaction information
- information you provide us about others and/or others provide to us about you
- information gathered from publicly available sources
- information you have consented to us to use ex. 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
- information from online activities
- we collect information about your internet activity using technology known as cookies, which can often be controlled through internet browsers and by using our cookie preference centre on our website. For detailed information on the cookies we use and the purposes for which we use them, see our Cookies Policy, which is available on our website.
- we collect information about your internet browser settings and Internet Protocol (IP) address and other relevant information to help us identify your geographic location when providing you with our services.
- sensitive data
- you may provide us with more sensitive information known as Special Category (“Sensitive”) information. This may include details about your racial or ethnic origin, political opinions, religious, philosophical or similar beliefs, trade union membership, genetics, biometrics, health, sexual life, sexual orientation or about criminal offences or proceedings. This type of information will be treated differently, and we will explain why we are collecting it.
- other personal information
- telephone recordings and email communications
- information in relation to requests made by you e.g. data access, correction, restriction, deletion, reporting and complaints
- we may collect and use your information even though you are not a customer of ours. For example, you may be a beneficiary, 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 Privacy Policy when dealing with your information.
When and how do we collect your data?
You directly provide NoFrixion with most of the data we collect. We collect data and process data when you:
- Apply to be a NoFrixion customer
- Voluntarily complete a customer form, survey or provide feedback on any of our services
- Use or view our website via your browser's cookies
- When you use our products or services, including making transactions on your account, or instructing a third-party payment service provider to initiate payments on your account, we gather details about who you get money from, who you pay money to, how much the payments are for and when the payments are made.
- Tracking cookies
How will we use your data?
NoFrixion gathers your data for the following purposes:
- To establish your eligibility for our products and services
- To process your applications for products and services
- To manage and administer your accounts
- To process payments that are paid to you or by you
- To comply with our legal and regulatory obligations
- To 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
- To 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).
- To 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.
- To manage and respond to a complaint or appeal
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 Privacy Policy are always applied.
How is your data stored?
We use appropriate technical and organisational security measures to protect the security of your personal data both online and offline including the implementation of access controls, implementation of firewalls, network intrusion detection and use of anti-virus software. Please note that no system is completely secure. So, while we strive to protect your data, we cannot guarantee that unauthorised access, hacking, data loss or a data breach will never occur.
How long will we keep your Personal Data?
NoFrixion shall adhere to the GDPR requirement to process personal data for no longer than is necessary for the purpose for which it was collected in the first place. In doing so, NoFrixion has defined procedures for adhering to statutory retention periods as set out by legislation As a general rule, we keep your information for a period of not less than 5 years after the date on which a transaction has completed or you cease to be a customer.
Marketing
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.
Cookies
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:
- Keeping you signed in
- Understanding how you use our website
What types of cookies do we use?
There are a number of different types of cookies, however, our website uses:
- Functionality - NoFrixion uses these cookies so that we recognize you on our website and remember your previously selected preferences. These could include what language you prefer and location you are in. A mix of first-party and third-party cookies are used.
- Advertising - NoFrixion uses these cookies to collect information about your visit to our website, the content you viewed, the links you followed and information about your browser, device, and your IP address.
How to manage cookies?
You can set your browser not to accept cookies, and the above website tells you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.
External Links
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.
Changes to our Policy
NoFrixion keeps its privacy policy under regular review and places any updates on this web page. This Privacy Policy was last updated on 26 July 2023.
Contact Us
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:\
NoFrixion,
8 Harcourt Street,
Dublin 2,
D02 AF58,
Ireland.
How to contact the appropriate authority
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: