Publication Date: 28 September 2023
2 Who is processing your personal data. 2
3 The information we collect from you. 2
4 How we collect your personal data. 3
5 How we will use your personal data. 3
5.1 Performance of a Contract. 4
6 Keeping your information safe and secure. 6
7 Who we might share your information with. 6
7.2 To meet our legal obligations. 6
7.3 Third parties, suppliers and service providers. 7
8 International data transfers. 7
9 How long do we hold your information. 8
10 Your rights in relation to your personal information. 8
12 Changes to this Data Privacy Notice. 9
14 The Data Protection Commissioner. 9
This Privacy Information Notice explains what information we collect about you, how we will use that information, who we will share it with and under what circumstances we will share it. It will also explain what we do to keep your information safe. It should be read alongside the terms and conditions you have for the product or service we are supplying to you.
PFS Card Services Ireland Limited (“PCSIL”) is an electronic money institution with offices in Ireland, Spain and France. It is authorised and regulated by the Central Bank of Ireland under reference number C175999.
We are part of the EML Group of companies as are the following companies (1) Prepaid Financial Services (Ireland) Limited ("PFSIL"), (2) Prepaid Financial Services Limited ("PFS UK"), (3) PFS Spain SL, (4) Spectre Technologies Limited, (5) EML Money DAC, (6) EML Payments (EU) Limited, (7) EML Payments Europe Limited, (8) Flex-e-card Limited and (9) EML Payments AB (together known as "EML").
If we are the issuer of your Card, then we are the data controller in relation to the processing activities described below. This means that we decide why and how your personal information is processed.
If another company issued your Card, then that company (and not EML) is the data controller of personal information relating to the use of your Card. Please refer to the privacy policy of your card issuer to find out how your personal information is used.
Personal data is any information that relates to you. We collect different types of personal data about you, but we will only collect the information that we need to enable us to deliver the product or service we are providing you with.
The information that we will collect to deliver our product or services is:
If we do not collect this personal data, we will be unable to provide you with our products and services.
We collect your personal data directly from you so that we can deliver our products and services to you. We also collect personal data from other sources.
We will also gather information about you from any organisation we use to process our due diligence checks when they are a necessary part of our obligations.
We will also gather information from our interactions with you such as emails, postal correspondence, telephone calls you make to us, your use of our website and your use of our app.
Information we collect from other sources
Where you purchase or request your Card from one of our partners or distributors, we may ask them to collect information about you such as personal information to verify your identity and transaction data in order to comply with our anti-money laundering obligations and to prevent financial crime. If you choose to continue with your Card purchase and provide the requested personal information to the distributor, then the distributor will pass this information to us.
Personal Information may be gathered in order to conduct customer due diligence checks in line with the risk of financial crime, screen new business applications, existing customers and incoming/outgoing payments to comply with international laws on sanctions, combatting terrorism and other financial crime.
We will use the information we hold about you for a number of different reasons, but we will always have a “legal basis” to do so. We have detailed our legal bases below.
We may use and process your personal information where we have supplied you (or continue to supply you) with any services in connection with your Card. You will be provided with Terms and Conditions at that time and these form your contract with us. This includes processing for the following reasons:
We will use your personal data to the extent necessary to comply with applicable legal and regulatory obligations. We will process your personal data on this basis, including in the circumstances described below:
We may process your personal data where it is in our legitimate interest to do so. Where we do this, we will keep a balance between our interests and your rights and freedoms. Such instances will include:
We may, at times, request your consent to process your personal data for specific reasons, such as:
Once we have received your personal data we will do our utmost to protect your personal data. We implement technical and organisational measures to keep your information safe whilst it is in our possession.
We will:
You may have a username and password to enable you to access your account with us, or with our Partner or Distributor providing the service and you are responsible for keeping your password secure and confidential. We will never ask you to share a password with anyone.
Our website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and security measures and that we do not accept any responsibility or liability for these policies.
When we need to share your personal information, we will always take steps to ensure that your privacy rights continue to be protected.
We may share your information with other companies within the EML group.
We may share your personal information with a third party as part of a sale of some, or all, of our business or as part of any business restructure or reorganization.
We will share your personal information where:
We will share your personal data with third parties where necessary for business, legal and regulatory purposes and where appropriate for our legitimate interest. This includes with:
When we use third party service providers, we only disclose to them any personal information that is strictly necessary for them to provide their service. We will always ensure that we have a contract in place that requires them to keep your information secure and not to use it other than in accordance with our specific instructions.
Where third parties operate internationally, we will take steps to ensure that any transfer of your personal data outside of the European Economic Area (EEA) is managed carefully in accordance with applicable data protection law. We rely on Standard Contractual Clauses and, where necessary, have identified additional supplementary measures and safeguards to ensure your personal data is given an equivalent level of protection as provided for under the General Data Protection Regulations (GDPR).
Where we store or transfer personal information outside the EEA or EU, robust procedures and safeguarding measures are applied to secure, encrypt and maintain the integrity of your personal data.
We complete continual reviews of the countries with sufficient adequacy decisions, standard data protection clauses or approved codes of conduct to ensure your personal data is protected.
We carry out due diligence checks with all recipients of your personal data to assess and verify that they have appropriate safeguards in place to protect your information.
We ensure that you have enforceable rights and effective legal remedies.
We will retain your personal data for no longer than is necessary for the purpose for which it was obtained by us or as required or permitted for legal, regulatory, fraud prevention and legitimate business purposes, including, if relevant, to deal with any claim or dispute that might arise in connection with the services you receive from us.
In general, the period for which we retain your personal data will be determined having regard to any statutory obligations imposed on us by law.
We may, in certain cases, retain your information for longer periods, particularly where required by order of a court, or in the context of an investigation by regulatory or law enforcement agencies. This is to ensure that we will be able to produce records as evidence, if required.
In general terms we hold your personal data for 7 years from the end of our relationship with you.
You have significant rights in respect of the way we process your personal data and we have significant obligations with regards to your rights.
You have the right to:
We are obliged to respond to you without undue delay. In most instances, we will respond within one calendar month. If we are unable to deal with your request fully within a calendar month (due to the complexity or number of requests you have made), we may extend this period by a further two calendar months. Should this be necessary, we will explain the reasons to you. If you make your request electronically, we will, where possible, provide the relevant information electronically unless you ask us otherwise.
PLEASE NOTE: The above rights are subject to exemptions and may not apply in all circumstances. If you object to, or ask us to restrict, our processing of your personal data, or ask us to delete your data, we may have to suspend the provision of our products and services to you.
Please click here to refer to our Cookie Policy for more information on how we use Cookies.
This Data Privacy Notice may be updated from time to time.
If we change the way we use your information we will communicate those changes to you by way of updating this Data Privacy Notice.
Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to EML’s EU Group Data Protection Officer:
You may contact the Data Protection Commissioner (DPC) if you are concerned about the way we have processed your personal information. Please visit the DPC’s website at www.dataprotection.ie further details.
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