icon-app-storeicon-arrowicon-arrow-longicon/circle/outline-attentionicon-facebookflag/flag_eu_17dpflag/flag_france_17dpicon-google-playicon-instagramicon-listtickicon-listticklogo/full-logoicon/minusPlus Iconicon/circle/arrow-outline-rightill/illustration_safeill/illustration_securityill/ill_passporticon/circle/solid-cupicon/trustpilot-staricon/trustpilot-staricon-twittericon-youtube

Privacy Policy

At Monese Limited we are committed to protecting and respecting your financial and personal privacy. Before going into detail, there are some important things to say about how we handle you personal information:

  • We promise to treat it securely, fairly and lawfully at all times.
  • We will not ask you to disclose more information than is required.
  • We will not disclose more of your information than is necessary or agreed by you.
  • We will ensure your information is protected by appropriate security measures.
  • We will ensure those handling your information respect your privacy.
  • We will be transparent about how we use your information and will give you opportunity to tell us if you do not wish your information to be used in a particular way.

This policy (together with our terms of use and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting www.monese.com you are accepting and consenting to the practices described in this policy.

When we obtain your personal information we will always give you options to modify or delete information at any time. If you have any concerns about the information we hold you or the way in which we may use this information, you can contact us at any time using the contact details at the end of this Policy.

This policy should be read in conjunction with the other policies on our website and our standard terms and conditions and related documents disclosed when you open an account. In the event of any conflict between this privacy policy and any of our other terms or policies or other documents, the standard terms and conditions of account opening will prevail.

For the purpose of the Data Protection Act 1998 (the Act), the data controller is Monese Limited of PO Box 74345, London, EC1P 1XZ

1. Information we may collect from you

Information you give us

We may collect and process the following data about you:

You may give us information about you by filling in forms on our site www.monese.com (our site) or by corresponding with us by phone, e-mail or otherwise. This includes information you provide when you register to use our site, subscribe to our services, search for a product, participate in discussion boards or other social media functions on our site, enter a competition, promotion or survey, and when you report a problem with our site. The information you give us may include your name, address, e-mail address and phone number, financial information, personal description and photograph, passport or other identification details.

Information we collect about you

With regard to each of your visits to our site we may automatically collect the following information:

  • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
  • information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.

Information we receive from other sources

We may receive information about you if you use any of the other websites we operate or the other services we provide. In this case we will have informed you when we collected that data that it may be shared internally and combined with data collected on this site. We are also working closely with third parties (including, for example, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, credit reference agencies) and may receive information about you from them.

2. Cookies

Information you give to us

We use information held about you in the following ways:

We will use this information:

  • to carry out our obligations arising from any contracts entered into between you and us and to provide you with the information, products and services that you request from us;
  • to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;
  • provided you have consented to such receiving such information, to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you.

We do not share your data with third parties for marketing purposes without your consent. You can tick the relevant box situated on the form on which we collect your data, if you do not want us to share your data with third parties for the purposes of contacting you in relation to products we consider may be of interest to you or for the purposes of sending information about our other products.

Except where you have indicated otherwise, if you are an existing customer, we may contact you by electronic means (e-mail or SMS) with information about goods and services similar to those of a previous sale or discussion of a sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this.

Information we collect about you

We will use this information:

  • to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  • to improve our site to ensure that content is presented in the most effective manner for you and for your computer;
  • to allow you to participate in interactive features of our service, when you choose to do so;
  • as part of our efforts to keep our site safe and secure;
  • to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
  • to notify you about changes to our service;
  • to ensure that content from our site is presented in the most effective manner for you and for your computer;
  • to make suggestions and recommendations to you and other users of our site about goods or services that may interest you or them.

Information we receive from other sources

We may combine this information with information you give to us and information we collect about you. We may us this information and the combined information for the purposes set out above (depending on the types of information we receive).

4. Disclosure of your information

We may share your personal information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may share you personal information with third parties with your consent and/or according to the terms of any agreement between you and us.

We may share your information with selected third parties including:

  • Business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you.
  • Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in SW1). We may make use of the personal data we have collected from you to enable us to comply with our advertisers' wishes by displaying their advertisement to that target audience.
  • Analytics and search engine providers that assist us in the improvement and optimisation of our site.
  • Credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a contract with you.
  • To a prospective buyer of our business or assets (in which case personal data held by it about its customers will be one of the transferred assets) or to a prospective seller of a business or assets which we are seeking to acquire.
  • As a Small Electronic Money Institution we are subject to the terms of the Electronic Money Regulations 2011 and related legislation and policies. In this regard, we have an obligation to share certain information automatically with and/or on request by the Financial Conduct Authority and other agencies. Furthermore under the EMR the FCA has a legal duty to co-operate and exchange information with other government and regulatory agencies in the United Kingdom and internationally. If we are under a duty to disclose or share your personal data to comply with any legal or regulatory obligation, we will only disclose to the extent required for compliance with such obligation.
  • As required by HM Revenue & Customs, The Ombudsman Service, the Financial Crime Authority or any other government or regulatory agency.
  • As part of our duty to protect your accounts, for example to the UK Financial Services Financial Compensation Scheme.
  • We may use your personal data to enforce or apply our website terms of use or our standard account terms and conditions; or to protect our rights, property, or the safety of, our customers, or others. This includes exchanging information with other companies, organisations and agencies for the purposes of fraud protection and credit risk reduction.

5. Where we store your personal data

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

6. Your rights

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at hello@monese.com.

Our site 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 that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

7. Access to information

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

8. Changes to our Privacy Policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

9. Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to hello@monese.com.

Get access to our latest features, offers & thrifty tips

${message}