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We collect Personal Information about you from: the application form for a card account and other documents you provide to us; when you request or utilise products, goods or services e.
Use of Information. We use your Personal Information : i where it is necessary for the performance of a contract or compliance with a legal obligation e.
Information Sharing. We do not share your Personal Information with anyone except as described below. We will not share your contact information with Business Partners for them to independently market their own products or services to you without your consent.
However, we may send you offers on their behalf with your consent. Please note that if you take advantage of an offer provided by a Business Partner and become their customer, they may independently send communications to you.
In this case, you will need to review their privacy statement and inform them separately if you wish to decline receiving future communications from them.
Credit Reference Agencies and Fraud Prevention. We will exchange your Personal Information with credit reference agencies CRAs and fraud prevention agencies FPAs.
We may obtain Personal Information about you from these agencies including, where relevant, your spouse, and any business in which you are involved including details of your co-directors or partners in business.
For these purposes you may be treated as financially linked to such persons "financial associates" and you will be assessed with reference to their "associated records".
CRAs will record information about your business and its proprietors and may create a record of the name and address of your business and its proprietors if there is not one already.
During the lifetime of your account We will continue to make searches at CRAs to assist in managing your account and this will include looking at the associated records of your financial associates.
These searches will not be seen or used by other organisations to assess your ability to obtain credit. We will also carry out further credit checks whilst any money is owed by you on your account including contacting your bank, building society or any referee approved by you.
We may tell CRAs the current balance on your account and we may tell them if you do not make payments when due. They will record this information on your personal and business credit files as applicable and it may be shared with other organisations for the purpose of assessing applications from you, and applications from any other party with a financial association with you, for credit or other facilities, for other risk management purposes and for preventing fraud and tracing debtors.
Failure to make repayments may impair your credit rating. Records shared with CRAs remain on file for 6 years after they are closed whether settled by you or defaulted.
We will analyse your Personal Information to assist in managing your account and to prevent fraud or any other unlawful activity.
We and other organisations may access and use your Personal Information to prevent fraud and money laundering. We and other organisations may access and use from other countries the information recorded by FPAs.
For additional information about how CRAs gather and use your Personal Information , please review the Credit Reference Agency Information Notice CRAIN at www.
You are entitled to access your personal records held by credit and fraud prevention agencies.
You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
Call Credit, Consumer Services Team, PO Box 49, Leeds LS3 1WZ or call Equifax PLC, Credit File Advice Centre, PO Box , Bradford BD1 5US or call or log on to myequifax.
A cookie is a piece of data stored on the visitor to a website's hard drive containing information about the visitor that can only be read by the server that placed cookie onto the visitor's hard drive.
Most browsers are initially set up to accept cookies. You can set Your browser to block cookies entirely, delete cookies when You leave the website, notify You when You receive a cookie giving You the chance to decide whether or not to accept it, or limit the subsequent retrieval of cookies by the website.
In addition, there are number of privacy-enhancing tools and software that You may purchase that will enable You to identify and block cookies on a selective basis.
Please note that for some websites that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those websites where cookies are not optional.
To avoid any future persistent cookies being placed onto Your hard drive from UPayCard's Website, You may also "opt out. By receiving this cookie, UPayCard's systems will know that You have opted out and will not attempt to assign other persistent cookies in the future.
Since the opt out cookie does not contain a unique User ID number, it does not allow us to identify Your computer individually. To opt out of future persistent cookies, click here.
Users opting out of future cookies will probably not be able to access those websites. International Transfer of Data. We process, transfer and access your Personal Information through our systems in the UK and outside the European Economic Area EEA , to operate our business, process transactions on foreign purchases, administer your account or provide products and services to you.
Regardless of where we process your information, we will take appropriate steps to ensure the adequate level of protection for your information in other countries outside the UK or EEA including the USA, where data protection laws may not be as comprehensive as the UK or EEA.
We use organisational, administrative, technical and physical security measures to safeguard your Personal Information and to help ensure that your information is processed promptly, accurately and completely.
We require Service Providers to safeguard your Personal Information and only use your Personal Information for the purposes we specify. Retention of Information.
We will keep your Personal Information only as long as we need to deliver the products and services that you requested, unless we are required to keep it for longer periods because of law, regulation, litigation or regulatory investigation purposes.
For example, your Personal Information will be stored by for 7 years after you close your account, due to Inland Revenue requirements.
If your account is in default, and the balance remains unpaid or unsettled, in accordance with fair lending practices and our risk and debt recovery policies, this information could be retained by us for longer periods of time and considered if you choose to apply for products in the future.
When your Personal Information is no longer necessary for legal or regulatory needs, to administer your account or to deliver the products and services you have requested, we will take reasonable steps to securely destroy such information or permanently de-identify it.
Access to your Information. We encourage you to check regularly that all Personal Information held by us is accurate and up to date. If you believe that any information we hold about you is incorrect or incomplete, you may ask us to correct or remove this information from our records.
We recommend that you go to www. Your Rights. You have the right to access, update, erase, change or correct your Personal Information. If you want to exercise any of your rights or if you have any questions about how we process your Personal Information , you can contact info upaycard.
You also have the right to contact the Information Commissioner directly at www. Marketing Choices. If you wish to opt out of receiving marketing from UPayCard, we recommend you go to www.
If you prefer, you can contact info upaycard. If you choose to not receive marketing communications from us, we will honour your choice.
Please be aware that if you choose not to receive such communications, certain offers attached to the products or services you have chosen could be affected.
We may contact you to ensure that the information we hold about your marketing preferences is up to date.
Also, we will still communicate with you in connection with servicing your account, fulfilling your requests, or administering any promotion or program in which you have elected to participate.
Query or Complaint. If you have questions about this privacy statement or how your information is handled or wish to make a complaint or exercise your rights email info upaycard.
Personal Information — any information relating to an identified or identifiable natural person, such as name, addresses, telephone number, and email address and other information specific to that individual such as demographic details and transaction information.
I Definitions. As used in this Agreement, the following terms have the following meanings. The singular shall include the plural, and the plural the singular.
All captions are intended solely for convenience of reference and shall in no way limit any of the provisions of these Terms. II Eligible Users.
The Products and Services described in this Agreement are only available to individuals who have been approved in advance by us. We may, in our sole discretion, at any time, refuse to allow you to purchase, fund or use any of these Products and Services.
III Products and Sevices. Accounts Your Account with us is set up by you completing an application process with us. Your Account consists of one or more e-Wallets and any other UPayCard Product s purchased by or provided to you.
You may access your Account using a unique User ID and password that you were asked to set up at the time you applied for or were provided your Account.
To use your e-Wallet, you must sign on to your Account by entering your User ID and password. You can: i load funds onto your e-Wallet by loading methods provided by us; ii make Account-to-Account Transactions using your e-Wallet; iii move funds to another e-Wallet that is linked to your Account; and iv use funds from your e-Wallet to purchase other Products and Services provided by us.
These Services will be subject to all applicable Fees, as are posted on our website or as have been agreed by you when you received your Account, or as have been modified by us and agreed by you.
Your e-Wallet is designed to: i enhance security and maximize the protection of your funds; and ii facilitate the use of your funds within our environment.
By keeping funds in one or more of your e-Wallets until you are ready to spend the funds, you can ensure that funds in your Account are safe in the event that your Card is lost or stolen.
Movement of funds between your e-Wallets and any other UPayCard Product that is linked to your Account is done in real time.
Your Account You must have a Account before you can obtain a Card. The Cards If you have a current and valid Account and request Cards, such request is your active consent to us using the Personal Information and Account history that we have on file in your Account to determine if you are eligible to receive Cards.
If we approve you to receive Virtual Cards, such Cards will be provided to you as is described in Section IV.. A below.
If we approve you to receive Physical Cards, such Cards will be provided to you via regular mail, or via private courier service if you so select in accordance with the terms in Section IV.
B below. As with obtaining your Account you can take advantage of the Cooling Off Period to cancel your Card.
IV Card Products and Services. The Virtual Card You may have purchased or have been provided one or more Virtual Cards. After you are approved for a Virtual Card, you will be notified by an email to your external email address that you provided to us, that you can access the Virtual Card number, Security Code, and the expiration date of your Virtual Card in the Message Centre of your Account.
A Virtual Card is not a Physical Card Your Virtual Card holds its own e-money balance. You may fund your Virtual Card with the funds from any of your e-Wallets.
You may move funds from your Virtual Card back to your e-Wallet for extra security. Funds that are on your Physical Card must be first transferred to one of your e-Wallet s and can then be transferred to your Virtual Card.
Your Virtual Card can be used at any Internet website, telephone or mail order merchant that accepts the Mastercardcards unless that merchant or category of merchants has been blocked by us.
To use your Virtual Card, provide the card number, the Security Code, if applicable, and the expiration date to the merchant.
We reserve the right in our sole discretion to prohibit acceptance of your Virtual Card at certain merchants.
We neither accept nor assume any liability to ensure that goods or services that you purchase using your Virtual-Card are as advertised for sale or will meet your satisfaction.
The Physical-Card You may have requested Physical Card s at the time you obtained your Account, or at any time thereafter.
Physical Card s hold their own e-money balance. Funds that are in any of your e-Wallets or are on your Virtual Card s are not available when you use your Physical Card s until you have transferred the funds from one or more of your e-Wallets to the relevant Physical Card.
Funds that are on your Virtual Card s must be first transferred to an e-Wallet and can then be transferred to your Physical Card s. If you are issued Physical Card s , UPayCard will mail your Physical Card s to the address that was provided to us.
Your Physical Cards will be issued within five 5 Business Days after you being approved for the Physical Card. If you choose to have your Card delivered by private courier, you will be charged a Fee for each card so delivered as is disclosed in Section IX.
Your Physical Card will display your business name, the cardholder name, a card number, a Security Code, and the expiration date of such Physical Card.
You may create your own PIN for each Card or one will be provided to you by UPayCard. DO NOT KEEP A WRITTEN RECORD OF YOUR PIN Your Physical Card can be used at any merchant worldwide that accepts the relevant Card Organisation.
Your Physical Card can also be used to withdraw available funds at any ATM which accepts Mastercard cards by inserting your Physical Card into the ATM and entering your PIN We neither accept nor assume any liability to ensure that goods or services that you purchase using your Card are as advertised for sale or will meet your satisfaction.
Your Cards are not credit cards. No interest will be paid on the funds you transfer onto or maintain on your cards and such funds are not insured by us or any government agency.
This means that in the unlikely event that the Regulated Provider became insolvent, your Cards may become unusable and any funds associated with your Cards may be lost.
Your first use of a Card and by entering into this Agreement you are indicating that you understand and accept these risks.
As a responsible e-money issuer our Regulated Provider takes the security of your money very seriously. Your funds are held in a secure, segregated bank account at a major European Bank, specifically for the purpose of redeeming transactions made via your Cards.
In the unlikely event of any insolvency or other loss of your funds, funds that have reached the segregated Client account will be protected against claims by the bank and by any other creditors of our Regulated Provider.
V Protecting Your Cards and Your Personal Information. Your Card information is important information which you agree to keep confidential in order to prevent others from using your Cards without your authorisation.
You will not be held liable for any losses once you have notified us of unauthorised use or transactions unless we reasonably determine that you acted fraudulently or with gross negligence in which cases you shall be liable for all losses.
We will block all and any such compromised Cards to protect your funds once you have advised us of any unauthorised use or transactions.
If you receive such an embedded link, you are cautioned not to open it! It is not from UPayCard and is likely fraudulent.
Please ensure that all such Personal Information is up to date, as UPayCard uses this information in order to contact you. When you update your Personal Information UPayCard will validate the changed Personal Information to ensure you are still eligible to have a Card.
If such new Personal Information prohibits you from having a Card UPayCard is required by law to immediately cancel such Card with no previous notice to you.
VI Using Your Card. Each time a Card is used to make a purchase at a merchant, or ATM, the amount of the transaction will be immediately deducted from your available balance as applicable.
Please note you shall not be allowed to convert crypto currencies in your e-Wallet for use on your Card. Any such conversions will be segregated in your e-Wallet and can only be transferred or withdrawn through the e-Wallet not the Card.
VII Virtual Card and Physical Card Renewal. All Virtual Cards are valid for thirty-six 36 months and will be automatically renewed.
We will notify you about the renewal of Virtual Cards at least once prior to renewal. You will be required to activate your Virtual Card according to the instructions provided by UPayCard via an email to your Account Message Centre prior to the expiration date of your Virtual-Card.
We will not send you a Physical Card. We will charge your Account all applicable Fees for your Virtual Card renewal, as per the Fee schedule available in Section IX.
All Physical Cards are valid for thirty-six 36 months and will be automatically renewed. We will send replacement Physical Cards at least one 1 month before the expiration of a Physical-Card.
You will be required to activate your new Physical Card according to the instructions provided by UPayCard when you receive your Physical Card.
VIII Cancelling Your Virtual Card or Your Physical Card. Keep customers engaged with push messaging, in-app messaging, customer surveys, opt-in email address access and upload-able documentation all available on the mobile apps, desktop and mobile site.
Upay first launched in April We were first to market with an online payment solution, fully integrated with our own Uniware Systems EPoS solution.
Upay develops from purely Payments to a Loyalty, Online Ordering and Customer Engagement app. We witness exponential Upay growth in these regions.
In celebration of our expansion, Upay has received a fresh new look for both new and existing clients. Keep your eyes peeled for the next features to arrive.
Across 10 UK Sites, with multiple outlets in each: White Labelled Upay - Loyalty - Payments. In , Sky decided to use our Upay software for payments which allows staff to top-up their site cards online and view account activity at any time.
Once Uniware won this contract, the team at Roadchef approached us to create an integrated loyalty app for coach drivers to incentivise the use of Roadchef Service Stations.
This application provides redeemable loyalty points for each passenger they bring to Roadchef and so far, 5, coach drivers have signed up.
The University of Essex 'Essex Food' app provides campus wide loyalty, payments and online ordering across both the University outlets and the Student Union Outlets.
The application was created in and as of December has approximately 5, users. The Essex Food app makes use of the latest Upay Go technology.
Now, Upay is used across 16 Colleges with Function Booking prominent as highly used feature. The colleges as a collective boast over 16K users with access to Payments, Top-Ups, Loyalty and Function Booking.
Currently Upay is available in 19 Colleges across Cambridge. Cashless payment systems are provided to both the players and members for use across the site, including the members areas.
Upay Cashless Payments are used across 47 Point-Of-Sale Terminals at the AELTC and Wimbledon. Menu Features Clients Timeline Social Contact Login Register.
Features Which technologies will you be making use of?