Privacy and Cookie Policy

Version 22.09.2022

Introduction

UAB MIR Lithuania (“MIR”, “MuchBetter”, “we”, “our”, “us”) is an app-based payment wallet (“the App”) allowing customers and merchants to process and manage e-payments in a secure, fair and economical way (the “MuchBetter Service”).

UAB MIR Lithuania is a company of the RTEKK Holding Limited and the ‘Controller’ of personal information collected in provision of the MuchBetter Service.

This Privacy Policy outlines our practices with respect to your personal data, which we collect as a result of your use of the MuchBetter Services (collectively “the Services”)

We recognise that a core to Data Privacy is your right to be informed about how we collect and use your data; therefore we encourage you to read this Privacy Policy carefully.

The Privacy Policy is a part of our User Terms and is incorporated therein by references. By using the Services you agree to the terms of this Privacy Policy as may be amended by us from time to time.

In this Privacy Policy you will read about:

  1. What type of personal informationwe collect 
  2. How we collect your personal information and why
  3. How we store and safeguard your personal information
  4. With whom we share your personal information
  5. For how long we retainthe information we collect
  6. Your data protection rights
  7. How to complain.

1. What type of personal information we collect

The Personal information we collect through our Services which is submitted directly by you;

  • date of birth
  • first name
  • last name
  • phone number
  • e-mail address
  • home address
  • card number; bank account and other financial information that we may need in order to provide our Services. AND “Identifiers” – information which we treat as your Personal Information as it relates to you and your use of our Services but is not directly provided by you;
  • from your device (e.g. geolocation data & IP address)
  • photographic ID
  • transaction and activity information on the Services

2. How we collect your personal information and why

There are two main methods we use to collect information:

i. We collect information with the purpose of providing our services in an efficient manner. We are also required to collect the information as per regulatory requirements
ii. We collect information which you provide us directly. For example, we collect Personal Information which you provide when you: (i) respond to communications from us; (ii) open an Account and use the Services; and
iii. communicate with us via email or other means. iii. We collect information through your use of the Services. In other words, when you are using our Services, we are aware of it and may gather the information relating to such usage, either independently or through the help of third-party services as detailed below;

Cookies

We use cookies and other technologies in our related services, including when you visit our site or access our Services. A “cookie” is a small piece of information that a website assigns to your device while you are viewing a website. Cookies are very helpful and can be used for various different purposes. These purposes include allowing you to navigate between pages efficiently, enable automatic activation of certain features, remembering your preferences and making the interaction between you and our Services quicker and easier. Cookies are also used to help ensure that the advertisements you see are relevant to you and your interests and to compile statistical data on your use of our Services.

Our website uses cookies in order to provide you with Services, identify you for repeat visits, (for example to allow us to store your preferences for the next sign-in), and monitor and analyse our web access. We use the following cookies and analytics on our Services:

CookieNamePurpose
LinkedIn AdsLinkedIn Ads

Enables us to track users from LinkedIn who have clicked on our adverts

Facebook Custom AudiencesFacebook Custom Audiences

Enables more targeted advertising through Facebook to our Facebook audience

Google AnalyticsGoogle Analytics

Provides data on the usage of the MuchBetter website by visitors

LinkedIn AnalyticsLinkedIn Analytics

Provides information on visitors to our website from LinkedIn

Facebook Connect / PixelFacebook Connect / Pixel

Provides information on visitors to our website and app from Facebook

AddToAnyAddToAny

Enables website users to share content with a number of different social networks

You may remove the cookies by following the instructions of your device preferences; you can find more information about cookies at www.allaboutcookies.org. Please note that, some features of our Service may not operate properly where you choose to disable all cookies.

Facebook – Custom Audience

We may participate in Facebook.com’s Custom Audience program which enables us to display personalised ads to persons on our email lists when they visit Facebook.com. We provide Personal Information such as your email address and phone number to Facebook to enable Facebook to determine if you are a registered account holder with Facebook. You may opt-out of participation in our Facebook Custom Audience by sending an email, from the email address you are opting out of, by visiting Help. For your opt-out to be effective, you must: (i) place the following text in the subject line of the email – “Opting Out of Facebook.com Website Custom Audience Ads”, and (ii) in the body of the email, include your name and email address. We will forward your name and email address to Facebook.com with a request to delete you from all of our Facebook Custom Audience A.

You may remove the cookies by following the instructions of your device preferences; You can find more information about cookies at www.allaboutcookies.org; however, if you choose to disable cookies, some features of our Service may not operate properly and your online experience may be limited.

Google Analytics

We use a tool called “Google Analytics” to collect information about your use of our Service(s). Google Analytics collects information such as how often users access the Service, what pages they visit when they do so, etc. We use the information we get from Google Analytics only to improve our Service. Google Analytics collects the IP address assigned to you on the date you visit sites, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits by disabling cookies on your browser. For more information on Google Analytics see: https://www.google.com/analytics/standard/features/. For more information on opting-out of Google Analytics see: https://support.google.com/analytics/answer/181881?hl=en&ref_topic=2919631.

How and why we use the information we collect

We use the information that you have given us in the manner described in this Privacy Policy, and primarily in order to;
a. provide you with the Services and fulfill our contractual obligation to you
b. comply with obligations by which we’re bound; both in provision of our service to you (our regulatory obligations) and our compliance with for example Anti Money Laundering and Countering the Financing of Terrorism legislation (our legal obligations).

Specifically, the information we collect, which may include your Personal Information, is used for the following purposes:

  • To set up your Account and to provide our Services (e.g. process your payments; etc.)
  • To identify and authenticate your access to certain features of the Services;
  • To communicate with you and to keep you informed of our latest updates;
  • To serve you advertisements when you use our Services;
  • To perform research or to conduct anonymous analytics in order to improve and customize our Services to your needs and interests;
  • To support and troubleshoot our Services and to respond to your queries; and
  • To investigate violations and enforce our policies, and as required by law, regulation or other governmental authority; or to comply with a subpoena or similar legal process; or respond to a government request;
  • We may use the information obtained about you from credit reference agencies and fraud prevention agencies to check you (and / or your business’s) credit status/profile and identity on a periodic basis. The agencies may record our enquiries and may in turn share it with other third parties and fraud prevention agencies. Information regarding how you manage your account, and/or any debt may be supplied to other organisations by credit reference and fraud prevention agencies to perform similar checks and to trace your whereabouts and recover any debts that you owe. Records remain on file at such agencies for 6 years after they are closed, whether settled by you or defaulted. If you would like further information on our use of credit reference agencies, please contact us;
  • To monitor Transactions for the purposes of preventing fraud, money laundering and Terrorist financing; this may involve utilising products and services from third parties (including the sharing of information with such third parties) to monitor transactions, detect patterns requiring investigation or otherwise profile and assess the likelihood of fraud occurring;
  • Manage complaints or disputes.

Third party collection of information

Our Privacy Policy only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other parties via our Services (e.g. by clicking on a link to any other website or location) or via other sites throughout the internet, different rules may apply to their use or disclosure of the information you disclose to them.

It is important to note that such third party services may have their own privacy policies and we advise you to read them carefully. Inclusion of a link to third party website or service is not a recommendation of such a website or service. Third party sites may contain information or service that is illegal, unreasonable or that some people may find inappropriate or offensive. Before using third party sites and services or before making a purchase, we recommend you to read and understand those sites’, service’ or product’s terms and conditions, warranty, and privacy policies and to ensure you agree to their terms. You acknowledge that we are not responsible for the products, services, or descriptions of those products or services that you receive from third party sites or to the content or privacy practices of those sites, and that this Privacy Policy does not apply to any such third party products and services. You are knowingly and voluntarily assuming all risks of using third party sites to purchase products and services. You agree that we shall have no liability whatsoever with respect to such third party sites and your usage of them.

3. How we store and safeguard your personal information

We take great care in implementing and maintaining the security of the Services and your information. We employ industry standard procedures and policies to ensure the safety of our users’ information, and prevent unauthorized use of any such information, and we require any third party to comply with similar security requirements, in accordance with this Privacy Policy. Although we take reasonable steps to safeguard information, we cannot be responsible for the acts of those who gain unauthorized access or abuse our Services, and we make no warranty, express, implied or otherwise, that we will prevent such access.

4. With whom we share your personal information (“Recipients”)

We do not rent, sell, or share your Personal Information with third parties except as described in this Privacy Policy. The Personal Information will be disclosed to a third party only to the extent required for the specific purpose, as stipulated in this Privacy Policy, and in such case, we require the relevant third party to agree to process and secure such information in compliance with our Privacy Policy and applicable law.

In addition to the purposes listed in this Privacy Policy, we may share Personal Information with our Recipients, who may be located in different jurisdictions across the world, for any of the following purposes:

  • Providing you with our Services;
  • Storing such information on your behalf;
  • Processing such information to assist us with our business operations (e.g. to process payments and your deposits; authenticate your access; auditing our operations, provide customer support, customer retention services, etc.);
  • Performing research, technical diagnostics or analytics.
  • Since we operate globally, it may be necessary to transfer your Personal Information to countries outside the European Union. The data protection and other laws of these countries may not be as comprehensive as those in the European Union − in these instances we will take steps to ensure that a similar level of protection is given to your Personal Information. In accepting this Privacy & Cookie Policy which forms part of your registration and account information, you consent to transfer of your Personal Information to countries outside the European Union, within the assurances made herein
  • We may transfer or disclose Personal Information to our subsidiaries, affiliated companies and subcontractors for the purposes listed in this Privacy Policy.
  • We may also disclose Personal Information, or any information you submitted via the Services if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to: (i) comply with any applicable law, regulation, legal process or governmental request; (ii) enforce our policies (including our Agreement), including investigations of potential violations thereof; (iii) investigate, detect, prevent, or take action regarding illegal activities or other wrongdoing, suspected fraud or security issues; (iv) to establish or exercise our rights to defend against legal claims; (v) prevent harm to the rights, property or safety of us, our users, yourself or any third party; or (vi) for the purpose of collaborating with law enforcement agencies or in case we find it necessary in order to enforce intellectual property or other legal rights.
  • Some information may be shared with our trusted financial service provider – Railsbank Technology Limited PayerNet Limited and PayerNet UAB for the purpose to provide you card services. For information on Railsbank’s collection and use of data in accordance with the GDPR, please follow this link: https://www.railsbank.com/payrnet
  • Corporate transactions : We may share Information, including Personal Information, in the event of a corporate transaction (e.g. sale of a substantial part of our business, merger, consolidation or asset sale of an asset or transfer in the operation thereof) of the Company or of any other company within the Group. In the event of the above, the acquiring company or transferee will assume the rights and obligations as described in this Privacy Policy
  • Merchants: We may transfer or disclose Personal Information to our merchants for the purposes listed in this privacy policy. Additionally, with your prior authorisation, we may share personal data such as identification information or additional verification documentation with merchants with whom you already have engaged with through our product and we may, on your authorisation via the merchant, receive similar information and documentation which allows both us and our merchants to meet regulatory obligations while minimising the burden and impact on you to provide this information twice. If you have reason to believe that your privacy has not been treated by a third party in accordance with our policy, or processed not in accordance with the statements made in this Policy, please contact us directly at dpo@muchbetter.com

5. For how long we retain the information we collect

We will retain your personal data for eight years after our business relationship with you ends.

6. Your Data Protection Rights

Under data protection law you have rights including

  • Your right of access – You have the right to ask us for copies of your personal information.
  • Your right to rectification – You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
  • Your right to erasure – You have the right to ask us to erase your personal information in certain circumstances.
  • Your right to restriction of processing – You have the right to ask us to restrict the processing of your personal information in certain circumstances.
  • Your right to object to processing– You have the the right to object to the processing of your personal information in certain circumstances.
  • Your right to data portability – You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.
  • You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.
  • Please contact us at dpo@muchbetter.com, +441624698755 and or 1st Floor Champion House Tromode Business Park Cronkbourne Isle of Man IM4 4RL if you wish to make a request. However, please note that these rights are not absolute, and may be subject to our own legitimate interests and regulatory requirements. If you wish to exercise any of the aforementioned rights, or receive more information, please contact us at dpo@muchbetter.com

Minors

The Services are not designated to users under the age of 18. If you are under 18, you should not download or use the Services nor provide any Personal Information to us. We reserve the right to access and verify any Personal Information collected from you. In the event that we become aware that a user under the age of 18 has shared any information, we will discard such information. If you have any reason to believe that a minor has shared any information with us, please contact us at dpo@muchbetter.com.

7. How to Complain

If you have any concerns about our use of your personal information, you can make a complaint to us at complaints@muchbetter.com. You can also complain to The State Data Protection Inspectorate (SDPI) if you are unhappy with how we have used your personal data. SDPI L.Sapiegos str.17 LT-10312 Vilnius Telephone +37052712804/+37052791445 Email: ada@ada.lt Website: https://vdai.lrv.lt/

Updates or amendments to the Privacy 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 (as reflected in the “Last Revised” heading). 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. Your continued use of the Services, following the notification of such amendments on our website, constitutes your acknowledgement and consent of such amendments to the Privacy Policy and your agreement to be bound by the terms of such amendments.

How to contact us

If you have any general questions about the Services or the information that we collect about you and how we use it, please visit Help

Version 22.09.2022

Introduction

MIR Limited UK Ltd (“MIR”, “MuchBetter”, “we”, “our”, “us”) is an app based payment wallet (“the App”) allowing customers and merchants to process and manage e-payments in a secure, fair and economical way (the “MuchBetter Service”).

MIR Limited UK Ltd is a company of the RTEKK Holding Limited and the ‘Controller’ of personal information collected in provision of the MuchBetter Service. We are registered with the United Kingdom Information Commissioner and fully commit to the requirements of the European Unions General Data Protection Regulation (GDPR).

This Privacy Policy outlines our practices with respect to your personal data, which we collect as a result of your use of the MuchBetter Services (collectively “the Services”)

We recognise that a core to Data Privacy is your right to be informed about how we collect and use your data; therefore we encourage you to read this Privacy Policy carefully.

The Privacy Policy is a part of our User Terms and is incorporated therein by references.

By using the Services you agree to the terms of this Privacy Policy as may be amended by us from time to time.

In this Privacy Policy you will read about:

  1. What type of personal informationwe collect
  2. How we collect your personal information and why
  3. How we store and safeguard your personal information
  4. With whom we share your personal information
  5. For how long we retainthe information we collect
  6. Your data protection rights
  7. How to complain.

1. What type of personal information we collect

The Personal information we collect through our Services which is submitted directly by you;

  • date of birth
  • first name
  • last name
  • phone number
  • e-mail address
  • home address
  • card number; bank account and other financial information that we may need in order to provide our Services. AND “Identifiers” – information which we treat as your Personal Information as it relates to you and your use of our Services but is not directly provided by you;
  • from your device (e.g. geolocation data & IP address)
  • photographic ID
  • transaction and activity information on the Services

2. How we collect your personal information and why

There are two main methods we use to collect information:
i. We collect information with the purpose of providing our services in an efficient manner. We are also required to collect the information as per regulatory requirements
ii. We collect information which you provide us directly. For example, we collect Personal Information which you provide when you: (i) respond to communications from us; (ii) open an Account and use the Services; and
iii. communicate with us via email or other means. iii. We collect information through your use of the Services. In other words, when you are using our Services, we are aware of it and may gather the information relating to such usage, either independently or through the help of third-party services as detailed below;

Cookies

We use cookies and other technologies in our related services, including when you visit our site or access our Services. A “cookie” is a small piece of information that a website assigns to your device while you are viewing a website. Cookies are very helpful and can be used for various different purposes. These purposes include allowing you to navigate between pages efficiently, enable automatic activation of certain features, remembering your preferences and making the interaction between you and our Services quicker and easier. Cookies are also used to help ensure that the advertisements you see are relevant to you and your interests and to compile statistical data on your use of our Services.

Our website uses cookies in order to provide you with Services, identify you for repeat visits, (for example to allow us to store your preferences for the next sign-in), and monitor and analyse our web access. We use the following cookies and analytics on our Services:

CookieNamePurpose
LinkedIn AdsLinkedIn Ads

Enables us to track users from LinkedIn who have clicked on our adverts

Facebook Custom AudiencesFacebook Custom Audiences

Enables more targeted advertising through Facebook to our Facebook audience #

Google AnalyticsGoogle Analytics

Provides data on the usage of the MuchBetter website by visitors

LinkedIn AnalyticsLinkedIn Analytics

Provides information on visitors to our website from LinkedIn

Facebook Connect / PixelFacebook Connect / Pixel

Provides information on visitors to our website and app from Facebook

AddToAnyAddToAny

Enables website users to share content with a number of different social networks

You may remove the cookies by following the instructions of your device preferences; you can find more information about cookies at www.allaboutcookies.org. Please note that, some features of our Service may not operate properly where you choose to disable all cookies.

Facebook – Custom Audience

We may participate in Facebook.com’s Custom Audience program which enables us to display personalised ads to persons on our email lists when they visit Facebook.com. We provide Personal Information suchas your email address and phone number to Facebook to enable Facebook to determine if you are a registered account holder with Facebook. You may opt-out of participation in our Facebook Custom Audience by sending an email, from the email address you are opting out of, by visiting Help For your opt-out to be effective, you must: (i) place the following text in the subject line of the email – “Opting Out of Facebook.com Website Custom Audience Ads”, and (ii) in the body of the email, include your name and email address. We will forward your name and email address to Facebook.com with a request to delete you from all of our Facebook Custom Audience A.

You may remove the cookies by following the instructions of your device preferences; You can find more information about cookies at www.allaboutcookies.org; however, if you choose to disable cookies, some features of our Service may not operate properly and your online experience may be limited.

Google Analytics

We use a tool called “Google Analytics” to collect information about your use of our Service(s). Google Analytics collects information such as how often users access the Service, what pages they visit when they do so, etc. We use the information we get from Google Analytics only to improve our Service. Google Analytics collects the IP address assigned to you on the date you visit sites, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits by disabling cookies on your browser.

For more information on Google Analytics see:

https://www.google.com/analytics/standard/features/. 

For more information on opting-out of Google Analytics see:

https://support.google.com/analytics/answer/181881?hl=en&ref_topic=2919631.

How and why we use the information we collect

We use the information that you have given us in the manner described in this Privacy Policy, and primarily in order to; a. provide you with the Services and fulfill our contractual obligation to you b. comply with obligations by which we’re bound; both in provision of our service to you (our regulatory obligations) and our compliance with for example Anti Money Laundering and Countering the Financing of Terrorism legislation (our legal obligations). Specifically, the information we collect, which may include your Personal Information, is used for the following purposes:

  • To set up your Account and to provide our Services (e.g. process your payments; etc.)
  • To identify and authenticate your access to certain features of the Services;
  • To communicate with you and to keep you informed of our latest updates;
  • To serve you advertisements when you use our Services;
  • To perform research or to conduct anonymous analytics in order to improve and customize our Services to your needs and interests;
  • To support and troubleshoot our Services and to respond to your queries; and
  • To investigate violations and enforce our policies, and as required by law, regulation or other governmental authority; or to comply with a subpoena or similar legal process; or respond to a government request;
  • We may use the information obtained about you from credit reference agencies and fraud prevention agencies to check you (and / or your business’s) credit status/profile and identity on a periodic basis. The agencies may record our enquiries and may in turn share it with other third parties and fraud prevention agencies. Information regarding how you manage your account, and/or any debt may be supplied to other organisations by credit reference and fraud prevention agencies to perform similar checks and to trace your whereabouts and recover any debts that you owe. Records remain on file at such agencies for 6 years after they are closed, whether settled by you or defaulted. If you would like further information on our use of credit reference agencies, please contact us;
  • To monitor Transactions for the purposes of preventing fraud, money laundering and Terrorist financing; this may involve utilising products and services from third parties (including the sharing of information with such third parties) to monitor transactions, detect patterns requiring investigation or otherwise profile and assess the likelihood of fraud occurring;
  • Manage complaints or disputes.

Third party collection of information

Our Privacy Policy only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other parties via our Services (e.g. by clicking on a link to any other website or location) or via other sites throughout the internet, different rules may apply to their use or disclosure of the information you disclose to them.
It is important to note that such third party services may have their own privacy policies and we advise you to read them carefully. Inclusion of a link to third party website or service is not a recommendation of such a website or service. Third party sites may contain information or service that is illegal, unreasonable or that some people may find inappropriate or offensive. Before using third party sites and services or before making a purchase, we recommend you to read and understand those sites’, service’ or product’s terms and conditions, warranty, and privacy policies and to ensure you agree to their terms. You acknowledge that we are not responsible for the products, services, or descriptions of those products or services that you receive from third party sites or to the content or privacy practices of those sites, and that this Privacy Policy does not apply to any such third party products and services. You are knowingly and voluntarily assuming all risks of using third party sites to purchase products and services. You agree that we shall have no liability whatsoever with respect to such third party sites and your usage of them.

3. How we store and safeguard your personal information We take great care in implementing and maintaining the security of the Services and your information. We employ industry standard procedures and policies to ensure the safety of our users’ information, and prevent unauthorized use of any such information, and we require any third party to comply with similar security requirements, in accordance with this Privacy Policy. Although we take reasonable steps to safeguard information, we cannot be responsible for the acts of those who gain unauthorized access or abuse our Services, and we make no warranty, express, implied or otherwise, that we will prevent such access.

4. With whom we share your personal information (“Recipients”)

We do not rent, sell, or share your Personal Information with third parties except as described in this Privacy Policy. The Personal Information will be disclosed to a third party only to the extent required for the specific purpose, as stipulated in this Privacy Policy, and in such case, we require the relevant third party to agree to process and secure such information in compliance with our Privacy Policy and applicable law. In addition to the purposes listed in this Privacy Policy, we may share Personal Information with our Recipients, who may be located in different jurisdictions across the world, for any of the following purposes:

  • Providing you with our Services;
  • Storing such information on your behalf;
  • Processing such information to assist us with our business operations (e.g. to process payments and your deposits; authenticate your access; auditing our operations, provide customer support, customer retention services, etc.);
  • Performing research, technical diagnostics or analytics.
  • Since we operate globally, it may be necessary to transfer your Personal Information to countries outside the European Union. The data protection and other laws of these countries may not be as comprehensive as those in the European Union − in these instances we will take steps to ensure that a similar level of protection is given to your Personal Information. In accepting this Privacy & Cookie Policy which forms part of your registration and account information, you consent to transfer of your Personal Information to countries outside the European Union, within the assurances made herein
  • We may transfer or disclose Personal Information to our subsidiaries, affiliated companies and subcontractors for the purposes listed in this Privacy Policy.
  • We may also disclose Personal Information, or any information you submitted via the Services if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to: (i) comply with any applicable law, regulation, legal process or governmental request; (ii) enforce our policies (including our Agreement), including investigations of potential violations thereof; (iii) investigate, detect, prevent, or take action regarding illegal activities or other wrongdoing, suspected fraud or security issues; (iv) to establish or exercise our rights to defend against legal claims; (v) prevent harm to the rights, property or safety of us, our users, yourself or any third party; or (vi) for the purpose of collaborating with law enforcement agencies or in case we find it necessary in order to enforce intellectual property or other legal rights.
  • Some information may be shared with our trusted financial service provider – Railsbank Technology Limited PayerNet Limited and PayerNet UAB for the purpose to provide you card services. For information on Railsbank’s collection and use of data in accordance with the GDPR, please follow this link: https://www.railsbank.com/payrnet
  • Corporate transactions : We may share Information, including Personal Information, in the event of a corporate transaction (e.g. sale of a substantial part of our business, merger, consolidation or asset sale of an asset or transfer in the operation thereof) of the Company or of any other company within the Group. In the event of the above, the acquiring company or transferee will assume the rights and obligations as described in this Privacy Policy
  • Merchants: We may transfer or disclose Personal Information to our merchants for the purposes listed in this privacy policy. Additionally, with your prior authorisation, we may share personal data such as identification information or additional verification documentation with merchants with whom you already have engaged with through our product and we may, on your authorisation via the merchant, receive similar information and documentation which allows both us and our merchants to meet regulatory obligations while minimising the burden and impact on you to provide this information twice. If you have reason to believe that your privacy has not been treated by a third party in accordance with our policy, or processed not in accordance with the statements made in this Policy, please contact us directly at dpo@muchbetter.com

5. For how long we retain the information we collect

We will retain your personal data for five years after our business relationship with you ends.

6. Your Data Protection Rights

Under data protection law you have rights including

  • Your right of access – You have the right to ask us for copies of your personal information.
  • Your right to rectification – You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
  • Your right to erasure – You have the right to ask us to erase your personal information in certain circumstances.
  • Your right to restriction of processing – You have the right to ask us to restrict the processing of your personal information in certain circumstances.
  • Your right to object to processing– You have the the right to object to the processing of your personal information in certain circumstances.
  • Your right to data portability – You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.
  • You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you. • Please contact us at dpo@muchbetter.com, +441624698755 and or 1st Floor Champion House Tromode Business Park Cronkbourne Isle of Man IM4 4RL if you wish to make a request. However, please note that these rights are not absolute, and may be subject to our own legitimate interests and regulatory requirements. If you wish to exercise any of the aforementioned rights, or receive more information, please contact us at dpo@muchbetter.com

Minors

The Services are not designated to users under the age of 18. If you are under 18, you should not download or use the Services nor provide any Personal Information to us. We reserve the right to access and verify any Personal Information collected from you. In the event that we become aware that a user under the age of 18 has shared any information, we will discard such information. If you have any reason to believe that a minor has shared any information with us, please contact us at dpo@muchbetter.com.

7. How to Complain

If you have any concerns about our use of your personal information, you can make a complaint to us at complaints@muchbetter.com.  You also have the right to lodge a complaint with the supervisory authority regarding the processing of personal information or dissatisfaction with our handling of any request in relation to any data protection rights.  Please refer to the Information Commissioner “ICO” webpage for more information (https://ico.org.uk/make-a-complaint/

Updates or amendments to the Privacy 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 (as reflected in the “Last Revised” heading). 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.

Your continued use of the Services, following the notification of such amendments on our website, constitutes your acknowledgement and consent of such amendments to the Privacy Policy and your agreement to be bound by the terms of such amendments.

How to contact us

If you have any general questions about the Services or the information that we collect about you and how we use it, please contact us by visiting Help