Ikano Bank (‘Ikano’) takes the handling and protection of personal information very seriously. This privacy notice provides you with important information about what personal information we process when you visit our website and participate in Ikano Rewards, as well as other important information such as the purposes for which we will process your personal information, as well as giving you information about your rights in relation to your personal information.
If you are not able to read this privacy notice now, we recommend that you do take the time to read it, or at least those sections of it which are most important to you so that you are aware of how we will process your personal information.
In order to assist you quickly and easily identify what information is relevant to you, we’ve provided a list of headings below which will take you quickly to the areas that you are interested in.
Ikano Bank AB (publ) is a data controller of your personal information and can be contacted at Ikano Bank AB (publ), PO Box 7221, Willenhall WV1 9DR or at dpo@ikano.se
Personal information means information that is about you or from which we can identify you. This privacy notice describes how we deal with your personal information. We are the data controller of this information under relevant data protection laws because in the context of our business relationship with you we decide how and why it is processed in the ways explained in this privacy notice. When we use terms such as we, us and our in this notice, we mean Ikano Bank AB (publ).
Our Data Protection Officer can be contacted if you have queries about this privacy notice or wish to exercise any of the rights mentioned in it.
This privacy notice may be updated from time to time. We may send you an updated copy (depending on whether we are required to do that or not) but you can also find the current version at Privacy policy
Ikano Rewards is an online platform through which you can access links to buy products direct from third party suppliers online and receive cashback on your spend. We use a third party, VAC Media Limited, to provide Ikano Rewards and the website to you and to operate, administer and manage Ikano Rewards and the website on our behalf.
You should tell us without delay so that we can update our records. The contact details for this purpose are:
By logging into your online account and updating your information within the ‘My Account’ section
By logging into your online account and raising a support ticket from the online helpdesk
By contacting us at support@ikanorewards.co.uk
We have set out below a description of the types of personal information which we hold about you and which we will process to administer this website and operate Ikano Rewards.
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
We use different methods to collect data from and about you including through:
Data protection laws require us to explain what legal grounds justify our processing of your personal information (this includes sharing it with other organisations). For some processing more than one legal ground will be relevant (even where we rely on a consent for non-marketing purposes).
Here are the legal grounds that are relevant to us:
1. Processing necessary to perform our contract with you
This purpose includes such processing as is necessary for us to provide Ikano Rewards to you. The processing will include administering and managing Ikano Rewards and provide you with rewards under Ikano Rewards.
2. Where processing is necessary for our legitimate interests
This will include processing which, on balance, we consider is in our legitimate interests and which do not cause you undue prejudice. Our legitimate interests are:
3. Processing necessary to comply with our legal obligations
4. Processing with your consent
Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you. In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.
We may share your personal data with the parties set out below for the purposes set out above:
This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.
Much of what we do with your personal information is not based on your consent, instead it is based on other legal grounds (as described above). For processing that is based on your consent, you have the right to withdraw that consent for future processing at any time. You can do this by contacting us using the details below.
By logging into your online account and updating your information within the ‘My Account’ section
By logging into your online account and raising a support ticket from the online helpdesk
By contacting us at support@ikanorewards.co.uk
We operate in the UK but sometimes your personal information may be transferred outside the UK or the European Economic Area. If it is processed within Europe or other parts of the European Economic Area (EEA) then it is protected by European data protection standards which are equivalent to UK standards and have been deemed adequate.
Some countries outside the EEA do have adequate protection for personal information under laws that apply to us. We will make sure that suitable safeguards are in place before we transfer your personal information to countries outside the EEA which do not have adequate protection under laws that apply to us. Generally these will be using approved standard contractual clauses. Details of these can be found here. Please contact us if you would like more information on overseas transfers of your personal data.
By monitoring, we mean any listening to, recording of, viewing of, intercepting of, or taking and keeping records (as the case may be) of calls, emails, text messages, social media messages and other communications We may monitor where permitted by law and we will do this where the law requires it. In particular, where we are required by the Financial Conduct Authority’s regulatory regime to record certain telephone calls (as relevant) we will do so.
Some of our monitoring may be to comply with regulatory rules, self-regulatory practices or procedures relevant to our business, to prevent or detect crime, in the interests of protecting the security of our communications systems and procedures, to have a record of what we have discussed with you and actions agreed with you, to protect you and to provide security for you (such as in relation to fraud risks on your account) and for quality control and staff training purposes.
Unless you are notified by us of any variation, we will hold your personal information for the following periods:
Here is a list of the rights that all individuals have under data protection laws. They do not apply in all circumstances. If you wish to exercise any of them we will explain at that time if they apply or not.
You have the right to complain to the Information Commissioner’s Office which enforces data protection laws: https://ico.org.uk
If you wish to exercise any of these rights against the Credit Reference Agencies or the Fraud Prevention Agencies who are data controllers in their own right, you should contact them directly.
Your personal information may be converted into statistical or aggregated data which cannot be used to re-identify you. It may then be used to produce statistical research and reports. This aggregated data may be shared and used in all the ways described in this privacy notice.
We may use your home address, phone numbers, email address and social media (e.g. Facebook, Google and message facilities in other platforms) to contact you according to your marketing preferences. This means we do this only if we have a legal ground which allows it under data protection laws - see above for what is our legal ground for marketing. You can stop our marketing at any time by calling us, writing to us, or by following the instructions on how to do that in the marketing email or other communication.