Quienes somos
MIR Limited Reino Unido Ltd (“MIR”, “MuchBetter Negocio”, “nosotros”, “nuestro”, “a nosotros”) is a group company of RTEKK Holdings Limited, registered with the United Kingdom Information Commissioner. We are a payment services provider and electronic money issuer authorised and regulated by the Financial Conduct Authority in the United Kingdom, under FCA Reference Number (FRN) 900704 with its registered office at Signature By Regus, Berkeley Square House, 2nd Floor, London, England, W1J 6BD, United Kingdom.
This privacy notice (“notice”) explains the types of personal data we collect and how we use and share it. It also tells you about your rights and the choices you can make about how we process your personal data.
For the purpose of this Privacy Policy, “you” or “your” or “Authorised User(s)” refers to the individual(s) who set up, manage, access and operate the MuchBetter Business Account (“Account”) for the organisation in whose name the Account is held. Data protection laws apply primarily to individuals rather than to legal entities, but we will process personal data about you during your interaction with us in which case both we and the Account holder may be Controllers of your personal data.
Introducción
This Privacy Policy describes the types of Personal Information we collect, the purposes for which we collect that Personal Information, the other parties with whom we may share it, the measures we take to protect the security of the Personal Information and how long we retain it. It also tells you about your rights and choices with respect to your Personal Information, and how you can contact us about our privacy practices.
Términos de usuario
We recognise that a core to Data Privacy is your right to be informed about how we collect and use your Personal Information; therefore, we encourage you to read this Privacy Policy carefully.
The Privacy Policy is a part of our MuchBetter Business Account Services Agreement and is incorporated therein by reference.
Al utilizar nuestros Servicios, usted acepta los términos de esta Política de Privacidad que podamos modificar ocasionalmente.
- Personal Information We Process
Información que usted nos proporciona:
We receive and process any personal information for individuals associated with entities holding Accounts with us, including that which you provide for managing and operating the Account.
Personal information includes your name, address, date of birth and contact details, IP data and anything that can be linked to or identify you directly or when linked with other data. We may also process as a result of your interaction with us
- Passport details or other identity documents such as driving licence or national identity number
- Dependent upon your role in the organisation which hold the Account with us, we may also process additional personal information relating to directors, shareholders and beneficial owners such as financial details and history
- Source of funds or source of wealth, which may include bank statements and credit agreements,
- Images to evidence identity (including biometrics) (see Facial Images – Biometric Data section below)
- Communications we have with you
- Any other relevant information relating you and personal to you which will enable us to provide our services
Any Personal Information provided to us must be by or with the authority of the person to whom it relates, and this Privacy Policy must be read understood and accepted.
Information we collect
From your use of the Services:
- Transaction data
- Information about your devices
- Information about your use of the website and App
Information from Third Parties
We may require information from other sources such as:
- Financial institutions connecting to your Account
- Information from authorities, registries or fraud detection services
- Publicly available sources and/or social networks
- Legal bases for processing Personal Information
We process Personal Information in accordance with the law and for the following purposes:
- Contract necessity:where processing personal data is necessary to carry out or enter into our agreement with you (for example, if the processing is needed to make and receive payments);
- Legal obligation:where we have a legal obligation to process your personal data to comply with laws and regulations (such as collecting identification documents to comply with anti-money laundering legislation);
- Legitimate interests:where we have a legitimate reason to process your personal data that is reasonable when balanced against your rights and interests (for example, to understand how our services are used and how we can make improvements);
- Consent:where you have given us your consent to process your data;
- Substantial public interest:where we process sensitive or special category data (revealing or relating to someone’s health, ethnicity, political views, religious beliefs, sexual orientation, or other protected characteristics) and that processing is in the substantial public interest (for example, to support vulnerable customers).
- What we use personal Information for
Objetivo | Legal basis |
· Eligibility checks to comply with Know Your Business “KYB” obligations under anti-money laundering laws including biometric data · As part of our KYB checks we may extract facial scan data (known as “biometric data”) from video or images to compare with images of you on you ID documents | Legal obligations Consent (for biometric data collection) |
· To provide our products and services, including support services, to you | Contract necessity Legal obligation |
- Provide you with customer support services, and to monitor or record any communications between you and us, including phone calls, for training and quality purposes;
| Legitimate interests. It is in our legitimate interests to monitor service quality |
- To prevent, detect, or protect against actual or suspected fraud, unauthorised transactions, claims, liability, and financial or other crimes. To keep our anti-fraud measures effective, we can’t always share all the details about how we prevent fraud;
- To keep our services safe and secure.
| Contract necessity Legal obligation Consent for biometric data Legitimate interests. It is in our legitimate interests to detect, prevent, and investigate fraud, money laundering and other crimes to protect our business and our customers. |
- To comply with legal and/or regulatory requirements, including to respond to requests from regulatory or government authorities (where there is lawful authority to do so);
- To evidence your compliance with regulations and obligations which apply to you;
- To prevent, detect, or protect against actual or suspected fraud, unauthorised transactions, claims, liability, and financial or other crimes, including conducting or co-operating with investigations of fraud or other illegal activity where we believe it is reasonable and appropriate to do so;
- To take steps to recover amounts owed to us, and to allow us to recover or limit damages that we may sustain;
- To allow a third party or a financial institution that incorrectly sent money to recover money received by you in error or due to fraud;
- To verify information you provide to us, and to enforce our Account Services Agreement with you;
- To investigate, manage, and resolve complaints.
| Legal obligations Legitimate Interests (it is in our legitimate interests to protect our business, customers and employees from harm) |
- To measure or understand the effectiveness of our advertising and to deliver relevant advertising;
- To personalise marketing messages you receive about products and services we offer so they are more relevant and interesting;
- To provide you with information about other similar products and services we offer which we feel may interest you.
| Legitimate interests. It is in our legitimate interests to let our customers know about our products and services which may interest them, to personalise marketing communications and to understand the effectiveness of our advertising. Consent where we are required to collect your consent by law and where such consent has not been revoked. |
- To administer our services and for internal operational, planning, audit, troubleshooting, data analysis, testing, research, statistical, and survey purposes;
- To undertake system or product development, including helping third party suppliers improve the services they provide to us;
- To improve our services and to ensure that they are presented in the most effective manner;
- We may use Artificial Intelligence (“AI”) to improve the efficiency and effectiveness of our services and our financial crime and fraud prevention processes. We will always let our customers know if they are interacting with an AI system.
| Legitimate interests. It is in our legitimate interests to maintain, develop and improve our services. |
Understanding if you need extra support We process your personal data to help you if your personal circumstances indicate that you may need extra assistance; | Substantial public interest (if we process your sensitive personal data to adhere to legal requirements that apply to us). Consent where we are required to collect your consent by law. |
- How We Share Your Information
No divulgamos información que pueda identificarlo personalmente a nadie, excepto como se describe en este aviso, según lo permita o requiera la ley, y/o para los fines descritos en este aviso, incluidos:
- within the Rtekk Group to help us provide our services and for our own internal customer relationship management, analytical and reporting purposes.
- Other Authorised Users of the Account holder may access Personal Information as may be stored on the Account
- A los destinatarios/remitentes de un pago en el contexto de la transacción específica relevante.
- Fraud prevention agencies, including Action Fraud, Financial Fraud Action and the Financial Fraud Bureau and other organisations who assist us in managing fraud and business risk.
- Cuando brindamos servicios a través de terceros, es posible que se nos solicite revelar su información (incluida cualquier información de "conozca a su cliente" y "fuente de riqueza") a dichas organizaciones para ayudar con sus propias obligaciones regulatorias o evaluaciones de riesgos.
- Third Party Service Providers, including suppliers who assist us with the provision of Services, including processing orders, fulfilling orders, processing payments, managing credit, security, sector and fraud risk, cloud hosting and storage providers, identity verification, and marketing, IT and technical support, marketing and market research, third party debt recovery services. Cuando utilizamos estos proveedores, podemos procesar, almacenar y transferir su información personal dentro y hacia un país extranjero, con diferentes leyes de privacidad.
- A terceros que no actúan bajo nuestras instrucciones como proveedores de servicios (pero que estarán sujetos a sus propias obligaciones legales de proteger los datos), para facilitar la prestación de los Servicios. Por ejemplo, criptomonedas y otros instrumentos o transacciones financieras.
- Para prevenir y/o detectar fraudes, delitos financieros, gestionar riesgos y protegernos mejor a nosotros mismos y a nuestros clientes, puede ser necesario procesar y divulgar información personal confidencial a terceros que nos ayuden a gestionar dichos riesgos, incluida la verificación de identidad.
- Where we are required or permitted to do so by law, we may be required to pass information about you to regulatory authorities and law enforcement bodies worldwide, or we may otherwise determine that it is appropriate or necessary to do so, and
- Your information may also be used for other purposes for which you give your specific permission.
- International Data Transfers
Since we operate globally, it may be necessary to transfer your Personal Information to countries outside the UK and European Union. The data protection and other laws of these countries may not be as comprehensive as those in the UK and European Union − in these instances we will take steps, in accordance with our own data protection obligations, to ensure that a similar level of protection is given to your Personal Information.
- How Long We Retain Your Personal Information
Conservaremos su información personal durante el tiempo que sea necesario o permitido según el contexto y el propósito para el que fue recopilada, el tipo de información y en cumplimiento con las leyes o regulaciones locales aplicables.
Esto significa que, al utilizar nuestros Servicios, conservaremos su información personal según sea necesario para la prestación de los mismos y para cualquier fin comercial legítimo relacionado. Esto incluye el uso y la conservación de su información personal cuando inicia una solicitud para nuestros servicios, independientemente de si la completa o es aceptado como cliente.
Por ejemplo, los datos de la cuenta se conservan generalmente durante al menos 5 años tras el cierre de la misma, para cumplir con los plazos de prescripción en caso de quejas o litigios. También podríamos estar legalmente obligados a conservar información, por ejemplo, en virtud de las leyes contra el blanqueo de capitales o de quiebra, o cuando así lo exijan las fuerzas del orden o agencias gubernamentales similares.
Conservaremos su información personal como prueba de nuestras relaciones con usted, independientemente de si se han realizado transacciones financieras, para fines de auditoría y cumplimiento normativo, para gestionar cualquier consulta o disputa, incluyendo la defensa o interposición de demandas legales. También podremos seguir enviándole marketing directo, sujeto a la legislación local y siempre que usted no se haya opuesto a dicho marketing.
También podemos utilizar técnicas de minimización de datos para proteger mejor su información, conocidas como seudonimización. Una vez que su información ya no sea necesaria, podemos anonimizarla o agregarla con otra información para que no sea identificable, como alternativa a la eliminación.
- Facial Images – Biometric Data
We collect biometric data by extracting information from a facial scan (photo or video), which we compare to your identity document, for identification and fraud prevention purposes.
We carry out this processing with your consent, which we will ask for. If you do not consent we can provide an alternative method of verifying your identity. We may use a third-party service provider to acquire and store your biometric date, which will be processed in accordance with data protection laws.
- Automated Decision Making
En algunos casos, nuestro uso de su información personal puede dar lugar a que se tomen decisiones automatizadas (incluida la elaboración de perfiles) que pueden afectarle.
Las decisiones automatizadas significan que una decisión que le concierne se toma automáticamente con base en una determinación informática (utilizando algoritmos de software), sin revisión humana.
For example, we use automated decisions when you apply for certain Services or to carry out anti-fraud checks, as explained in the section “What We Use Your Personal Information For”. We may also use elements of your Personal Information to customise services and to address your needs. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making. In addition, if you are using the Services in the UK or EEA (when we make an automated decision about you), you have the right to contest the decision, to express your point of view, and to require a human review of the decision.
To exercise this right, please contact us via the details provided in the Contáctenos sección.
- How We Protect Your Personal Information
Hemos implementado medidas técnicas, físicas y organizativas/administrativas diseñadas para proteger su información personal contra pérdidas accidentales y contra acceso, uso, alteración y divulgación no autorizados.
La seguridad de su información también depende de usted. Si le hemos proporcionado (o si usted ha elegido) una contraseña o código de acceso para acceder a ciertas partes de nuestro sitio web/portal, aplicaciones móviles y similares, usted es responsable de mantener la confidencialidad de dicha contraseña o código de acceso. No debe compartir su contraseña o código de acceso con nadie. Debe asegurarse de que no se haga un uso no autorizado de su contraseña.
La transmisión de información por internet no es completamente segura. Si bien haremos todo lo posible por proteger su información personal, no podemos garantizar la seguridad de la información que transmita a nuestro sitio, a menos que se comunique con nosotros a través de un canal seguro que hayamos proporcionado. Una vez recibida su información, aplicaremos procedimientos estrictos y medidas de seguridad para evitar el acceso no autorizado.
- Your Rights and Choices
Dependiendo de su jurisdicción o país de residencia, usted puede tener uno o más de los siguientes derechos:
- Derecho a estar informado: incluso mediante el envío de este aviso
- Derecho de acceso: solicitar una copia de la información que tenemos sobre usted
- Derecho de supresión: solicitar la eliminación de su información
- Derecho de restricción: solicitar que restrinjamos el procesamiento de su información
- Derecho de rectificación: solicitar que rectifiquemos cierta información que tenemos sobre usted
- Derecho a la portabilidad de datos: solicitar que le proporcionemos a usted o a otra organización una copia electrónica de la información que nos proporcionó
- Derecho a oponerse: solicitar que dejemos de procesar su información personal
- Derecho a optar por no recibir marketing: eliminar su información de nuestra base de datos de marketing
- Derechos relacionados con la toma de decisiones automatizada, incluida la elaboración de perfiles: consulte la sección “Toma de decisiones automatizada” a continuación.
Estos derechos pueden aplicarse bajo varias regulaciones diferentes, por ejemplo, el RGPD, generalmente aplicable a los residentes del EEE.
Además, dichos derechos pueden estar sujetos a limitaciones o restricciones. Por ejemplo, es posible que no estemos obligados a acceder a su solicitud, ya que la ley nos exige continuar tramitándola o gestionar una reclamación. De igual modo, no podemos eliminar su información si desea seguir utilizando nuestros Servicios o si dicha información es necesaria para registrar nuestras relaciones contractuales; si lo exige la ley (por ejemplo, para mantener los requisitos de identificación y verificación antifraude o de "conozca a su cliente"); o para defender o ejercer derechos y acciones legales.
Al finalizar su relación con nosotros y dejar de usar nuestros servicios, la ley nos permite conservar su información durante un periodo para demostrar nuestra relación con usted, como se explicó anteriormente. Esto se realizará de acuerdo con nuestras políticas y procedimientos internos de conservación. Para obtener más información sobre la conservación de datos, consulte la sección correspondiente de este Aviso.
En la medida en que se aplique el RGPD, cuando nos dé su consentimiento para el uso de su información personal, podrá revocarlo en cualquier momento. Revocar su consentimiento no afectará la legalidad del tratamiento que hayamos realizado antes de su revocación, ni afectará al tratamiento de su información personal realizado con fundamento en motivos legítimos distintos del consentimiento. Por ejemplo, puede dejar de recibir comunicaciones de marketing haciendo clic en el enlace "Cancelar suscripción" o "Darse de baja" en las comunicaciones que reciba, o siguiendo las instrucciones que le proporcionemos en cada ocasión, pero seguiremos enviándole mensajes operativos o de servicio relacionados con sus Servicios..
- How to Contact us
Si tiene alguna pregunta general sobre los Servicios o la información que recopilamos sobre usted y cómo la usamos, comuníquese con nosotros visitando Support
If you have any concerns about our use of your personal information, please review our Política de quejas También tiene derecho a presentar una queja ante la autoridad de control con respecto al procesamiento de información personal o la insatisfacción con nuestro manejo de cualquier solicitud en relación con cualquier derecho de protección de datos. Consulte la página web del Comisionado de Información “ICO” para obtener más información (https://ico.org.uk/make-a-complaint/)
You may also contact our Data Protection Officer by email
DPO@Rtekk.com
Or in writing:
Data Protection Officer
Rtekk Holdings Limited, Park House,
Isle of Man Business Park, Douglas, IM2 2QZ
- Updates or Amendments to this Policy
We may revise this Privacy Policy from time to time, at our sole discretion, and the most current version will be posted on our website. We encourage you to review this Privacy Policy regularly for any changes. In case of material changes we will notify you through our Services or by email.
Su uso continuado de los Servicios, luego de la notificación de dichas modificaciones en nuestro sitio web, constituye su reconocimiento y consentimiento de dichas modificaciones a la Política de privacidad y su aceptación de estar sujeto a los términos de dichas modificaciones.
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