We will collect your personal data when you use:
our website at http://www.xelda.com;
the Xelda app;
or any of the services you can get access to through the Xelda app or website.
Personal data generally means information that can be used to individually identify a person, and processing generally covers actions that can be performed in connection with data such as collection, use, storage and disclosure.
THIS POLICY CONTAINS IMPORTANT INFORMATION
This policy explains what information we collect, how we use it, and your rights if you want to change how we use your personal data. If you have concerns about how we use your personal data, you can contact [email protected]
WE COLLECT DIFFERENT TYPES OF PERSONAL DATA FROM YOU AND OTHERS
The table below explains what personal data we collect and use. We collect information you provide when you: fill in any forms; correspond with us; register to use the Xelda app; open an account or use any of our services; speak with a member of our customer support team (either on the phone or through the Revolut app); or contact us for other reasons.
We will collect the following information: Your name, address, and date of birth; Your email address, phone number ; password and other registration information; Identification documents (for example, your passport or driving licence), copies of any documents you have provided for identification purposes and any other information you provide to prove you are eligible to use our services;Records of our discussions, if you contact us or we contact you (including records of phone calls); Your image in photo form (where required as part of our Know-Your-Client (KYC) checks or where you upload a photo to your Xelda account).
Information from your device Whenever you use our website or the Xelda app, we collect the following information: Technical information, including the internet protocol (IP) address used to connect your computer to the internet, your log-in information; Information about your visit, including the links you have clicked on, through and from our site (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling and clicks), and methods used to browse away from the page; Information on transactions (for example, payments into your account), including the date, time, amount, currencies, beneficiary details, IP address of sender and receiver, sender’s and receiver’s name and registration information and the payment method used.
We must have a legal basis (a valid legal reason) for using your personal data. Our legal basis will be one of the following. Keeping to our contracts and agreements with you: We need certain personal data to provide our services and cannot provide them without this personal data. Legal obligations: In some cases, we have a legal responsibility to collect and store your personal data (for example, under anti-money laundering laws we must hold certain information about our customers). Legitimate interests: We sometimes collect and use your personal data, or share it with other organisations, because we have a legitimate reason to use it and this is reasonable when balanced against your right to privacy.
Consent: Where you’ve agreed to us collecting your personal data.
We use your personal data so we can provide the best service, tell you about products and services you may be interested in, and meet our legal obligations.
PROVIDING OUR SERVICES
Whenever you apply for a product or service, we will use your personal data to check your identity (as part of our KYC process) and decide whether or not to approve your application. If you are already a Xelda customer, we use your personal data to meet our obligations relating to any transactions you make (payments made to you through Xelda and withdrawals you make to your bank account). We use your personal data to give you details of our products and services and to help us develop new products and services. We use your personal data to contact you by phone and provide you with information about our products or services, as well as customer support services. We may monitor or record any communications between you and us, including phone calls, to maintain appropriate records, check your instructions, analyse, assess and improve our services, and for training and quality control purposes.
PROTECTING AGAINST FRAUD
We use your personal data to check your identity to protect against fraud, keep to financial crime laws and to confirm that you are eligible to use our services. We also use it to help us manage fraud risks related to your Xelda account.
We use your personal data to manage our website and the Xelda app, (including troubleshooting, data analysis, testing, research, statistical and purposes), and to make sure that content from our website is presented in the most effective way for you and your device. We also use your personal data to tell you about changes to our services, and to help keep our website and the Xelda app safe and secure.
PEOPLE OR COMPANIES THAT TRANSFER MONEY TO YOU: Where a payment is made to your Xelda account, we will provide you with the name of the payer. We will provide your details to the recipient (your full legal name). This is necessary to confirm that the payment has been made to the correct account.
We make reasonable efforts to provide a level of security appropriate to the risk associated with the processing of your Personal Data. We maintain organizational, technical and administrative measures designed to protect Personal Data covered by this Policy against unauthorized access, destruction, loss, alteration or misuse. Personal Data is only accessed by a limited number of personnel who need access to the information to perform their duties. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. To help us protect personal data, we encourage you to use a strong password and never share your password with anyone or use the same password with other sites or accounts. If you have reason to believe that your interaction with us is no longer secure (e.g. you feel that the security of your account has been compromised), please contact us immediately.
Service-related Announcements and Changes
If we change the way we use your personal data, we will update this policy and, if appropriate, let you know by email, through the Xelda app or through our website.
This Policy was last updated on 1 March 2023.