Privacy policy
Table of Contents
What is Finangel?
What personal information we keep?
We use this information to
Who will we share it with?
Rights
What we will not do
Where your data is stored
Encryption of your data
Changes to this policy
What is Finangel?
We are Finangel ltd (“we”, “our”, “us”) and operate under the name of Finangel.
We’re committed to protecting and respecting your privacy. If you have any questions about your personal information please chat with us through the Finangel app, or by emailing us at supportweb@finangel.com
What personal information we keep?
  • Information submitted through our app or website - for example, when you sign up to the app and provide details such as your name and address, or details we collect about how you use the app and website
  • Details of your transactions with us, including any cards and accounts used
  • Information which is tied to your usage or settings on your phone - for example, the mobile network you use, your IP address or operating system
  • Information you give us explicit permission to access from your phone such as your address book, photos, geolocation and data from your camera
  • Information from any social network or online account that you share with us
We use this information to:
  • Help manage your account
  • Track, analyse and improve the services we provide you and other customers
  • Search your record at credit reference and fraud prevention agencies to check your identity and generate a credit assessment of you. Credit reference agencies will keep a record of our enquiries, which may also be used by other organisations with access. This may affect your ability to get credit.
  • Prevent illegal activities like money-laundering and fraud
  • Market and communicate our products and services and those of affiliated partners where we think these will be of interest to you. You can always unsubscribe from receiving these if you want to, by email and via the app.
  • Make responsible lending decisions, like offering you an overdraft
Who will we share it with?
We may disclose your personal information to:
  • anyone who works for us
  • any organisation which supports any of our products that you have
  • third parties that carry out advertising services for us
  • certain authorities to detect and prevent terrorism (including authorities outside the UK) if one of your payments is processed through a worldwide payment system
  • anyone who you give us explicit permission to share it with
  • orif we must disclose your personal data to comply with the law, or to enforce our Terms and Conditions or other agreements; or to protect the rights, property, or safety of us, our customers, or others.
Rights
You have a right to access the personal data we hold about you or to obtain a copy of it. To do so please contact us through the app or by emailing supportweb@finangel.com. We may charge you a small fee to cover our costs for providing this information.
What we will not do
  • We won’t share identifiable personal data with third parties for their direct marketing unless you give us permission
  • We will only keep your personal information for only as long as we need to. We’ll then delete it securely and safely
  • There may be times when you give us sensitive information such as your racial origin or trade union membership. We’ll only use this information in strict accordance with the law
Where your data is stored
The data is stored in Google Cloud sql and 100% encrypted. The data we collect from you may be transferred to and stored somewhere outside the European Economic Area (“EEA”). It may also be processed by staff outside the EEA who work for us or one of our suppliers.
Encryption of your data
Your data is encrypted using the 256-bit Advanced Encryption Standard (AES-256), or better, with symmetric keys: that is, the same key is used to encrypt the data when it is stored, and to decrypt it when it is used. These data keys are themselves encrypted using a master key stored in a secure keystore, and changed regularly.
Changes to this policy
Any material changes we make to our privacy notice in the future will be posted on this page and, if appropriate, sent to you by email.
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The services are provided by Decta Limited, registered in UK under reg.no. 09926210.
Decta Limited is a licensed by the FCA UK financial institution, License No. 900592.
The technical platform is provided by Finangel Ltd, Republic of Cyprus, Registration #389099