My Card Spend
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Privacy Policy

Last updated: January 2024

1. Introduction

My Card Spend ("we", "our", or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, and protect your information when you use our financial management services.

We are registered with the Information Commissioner's Office (ICO) and comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Information We Collect

Personal Information

  • Name, email address, and contact details
  • Date of birth and address for identity verification
  • Financial information including account details and transaction history
  • Credit score and credit history data

Technical Information

  • Device information and IP address
  • Browser type and version
  • Usage data and analytics

3. How We Use Your Information

  • Provide and maintain our financial management services
  • Process transactions and manage your account
  • Provide credit score monitoring and financial insights
  • Comply with legal and regulatory requirements
  • Improve our services and develop new features
  • Communicate with you about your account and our services

4. Open Banking Data

We use Open Banking technology to securely access your financial data with your explicit consent. This allows us to:

  • Categorize your transactions automatically
  • Provide personalized financial insights
  • Monitor your spending patterns
  • Help improve your credit score

Your banking data is encrypted and stored securely. We never store your online banking credentials.

5. Data Sharing

We may share your information with:

  • Credit reference agencies for credit score monitoring
  • Our authorized Open Banking providers
  • Service providers who help us operate our platform
  • Regulatory authorities when required by law

We never sell your personal data to third parties for marketing purposes.

6. Your Rights

Under UK GDPR, you have the right to:

  • Access your personal data
  • Correct inaccurate data
  • Delete your data (right to be forgotten)
  • Restrict processing of your data
  • Data portability
  • Object to processing
  • Withdraw consent at any time

7. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure servers, and regular security assessments.

8. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

Email: privacy@mycardspend.co.uk
Address: 40 Bury Old Rd, Manchester M8 4DA, United Kingdom
Phone: +44 7549 879163