Jamboo ("we," "our," or "us") is committed to safeguarding the privacy of your information. This Privacy Policy explains when and why we collect personal information about you, how we use it, the conditions under which we may disclose it to others, and how we keep it secure. By "your data," "your personal data," and "your information," we mean any personal data about you that you or third parties provide to us. We may change this Policy from time to time, so please check this page regularly to ensure that you’re happy with any changes.

This Privacy Policy should be read together with that of Transact Payments Limited which can be found directly below this one.

1. Who Are We?

Jamboo Limited is a financial technology institution registered as a private limited company in the United Kingdom (Company Registration Number 14541056). We are a co-brand of Payload Ltd, who act as a Programme Manager under Transact Payments Limited (TPL) (https://transactpay.com/), a company which is incorporated and registered in Gibraltar with company number 108217 and registered office is at 6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11 1AA. Transact Payments Limited is a licensed electronic money institution authorised and regulated by the Gibraltar Financial Services Commission to issue electronic money and provide payment services.

Payload Limited is the Data Controller only for the personal data which you give to us so that is not related to the Card and Wallet and Jamboo Limited is a Data Processor of Payload Limited. Our registered office address is 307 Euston Road, London, NW1 3AD.

2. How Do We Collect Your Personal Data?

We collect information from you in several ways:

- Directly: When you register on our website or mobile application, subscribe to our newsletter, or interact with our services.

- Automatically: When you use our website or mobile application, we collect data such as IP address, browser type, operating system, access times, and pages viewed.

- From Third Parties: We may receive information about you from third parties, such as fraud prevention agencies, partners, and service providers.

When we process your personal data we rely on legal bases in accordance with data protection law and this privacy policy.

3. On What Legal Basis Do We Process Your Personal Data?

- Contract: Processing your personal data is necessary to fulfill our contract with you or to take steps at your request before entering into a contract.

- Legal/Regulatory Compliance: We may process your personal data to comply with our legal or regulatory obligations.

- Legitimate Interests: We or a third party may have legitimate interests to process your personal data, such as improving the security of our services or anonymizing data for analytical purposes.

4. What Type of Personal Data Is Collected From You?

We collect the following information:

- Personal Identification Information: Name, physical address, email address, phone number, date of birth, gender, login details, and identity verification documents.

- Financial Information: Payment details, transaction history, and account balances.

- Usage Data: IP address, device details, and information on how you use our services.

5. How Is Your Personal Data Used?

We use your personal data to:

- Set up and manage your account, including processing your application, creating your account, and verifying your identity.

- Process transactions and provide customer support.

- Monitor your account for fraud and ensure a secure internet environment.

- Improve our services and create anonymized data for analytical purposes.

- Comply with legal and regulatory requirements, including anti-money laundering obligations.

6. Who Do We Share Your Information With?

We may share your information with:

- Service Providers: To perform services on our behalf, such as payment processing, identity verification, and fraud prevention, including technical platform providers whose services we, or Program Manager, use to provide the payment services to you.

- Regulatory Authorities: To comply with legal obligations, whether they are outside or inside the United Kingdom (UK) or European Economic Area (EEA), where the law requires us to do so.

- Business Transfers: In connection with any merger, sale of company assets, or acquisition.

- Third Parties: With your consent or to fulfill the purposes for which you provided the data.

- Information Security Services: Organizations, web application hosting providers, mail support providers, network backup service providers, and software/platform developers.

- Document Destruction Providers

- Payment Networks: Mastercard, Visa, digital payment service partners, or any third-party providers involved in processing the financial transactions that you make.

- Transferees: Anyone to whom we lawfully transfer or may transfer our rights and duties under this agreement.

When we use third-party service partners, we ensure there is a contract in place that requires them to keep your information secure and confidential.

7. Sending Personal Data Overseas

We may transfer your personal data to countries outside your jurisdiction for the purposes of delivering services to you. We will ensure the transfer complies with data protection law with an adequate level of data protection for all of your personal information. Where applicable, we use standard data protection clauses approved by regulatory authorities.

Where we send your data to a country where no adequacy decision has been made, our standard practice is to use standard data protection contract clauses that have been approved by the United Kingdom government and/or the European Commission.

8. How Long Do We Store Your Personal Data?

We will store your personal data for as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations. Typically, this is for a period of five years after the end of our business relationship unless otherwise required by law in order that we can comply with our obligations under applicable legislation such as anti-money laundering and anti-fraud regulations. If any applicable legislation or changes to this require us to retain your data for a longer or shorter period of time, we shall retain it for that period. We will not retain your data for longer than is necessary.

9. Your Rights Regarding Your Personal Data

You have the following rights regarding your personal data:

- Access: Request a copy of your personal data.

- Correction: Request correction of any inaccurate data.

- Deletion: Request deletion of your personal data where applicable.

- Restriction: Request restriction of processing your personal data.

- Objection: Object to the processing of your personal data where applicable.

- Data Portability: Request the transfer of your personal data to another party.

To exercise these rights, please contact us at support@jamboo.app

10. How Is Your Information Protected?

We use a variety of security measures to protect your personal data, including:

- Physical and Technical Measures: Secure storage of data, restricted access, and encryption. We use encryption to protect data at rest and anonymization where applicable. We also have adequate security controls to protect our IT infrastructure and staff computers, including but not limited to Identity and Access Management, Firewalls, VPN, Antivirus, Advanced Email Threat Protection, and more.

- Policies and Training: Staff training on data protection and information security policies. We have detailed information and security policies to ensure the confidentiality, integrity, and availability of information.

- Regular Audits: Conducting audits such as Payment Card Industry Data Security Standard (PCI-DSS) to ensure compliance with security controls.

While we take all reasonable steps to ensure the security of your personal data, we cannot guarantee the security of data transmitted over the internet. Once we receive your data, we use appropriate measures to secure it on our systems.

11. Opt-Out Options

You can opt out of certain data processing activities by:

- Adjusting your preferences in your account settings.

- Following the unsubscribe instructions in our marketing emails.

- Contacting us at support@jamboo.app.

Please note that opting out of certain processing activities may impact your ability to use some features of our services.

12. Dispute Resolution

If you have any concerns about our use of your personal information, please contact our support officer at support@jamboo.app.. We will attempt to resolve any complaints regarding the use of your personal data in accordance with this Privacy Policy. If you are not satisfied with our response, you have the right to lodge a complaint with a supervisory authority.

13. Other Websites

Our website may contain links to other websites. This privacy policy applies only to our website and services, so we encourage you to read the privacy policies of other websites you visit. We cannot be responsible for the privacy practices of other sites.

14. Changes to Our Privacy Policy

We keep our Privacy Policy under regular review and will update it to reflect changes in our practices or legal requirements. We will notify you of any significant changes. This Privacy Policy was last updated on 03 June 2024.

15. Administrative Information

Contact Information: support@jamboo.app.

Company Registration Number: 14541056

Registered Office Address: 307 Euston Road, London, NW1 3AD.

16. How to Contact Us

If you have any questions about this Privacy Policy or the personal information we hold about you, please contact us at support@jamboo.app.

By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to our collection, use, and disclosure practices as described herein.

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TransactPay Privacy Policy

This policy explains when and why we collect personal information about you, how we use it, the conditions under which we may disclose it to others and how we keep it secure.

TransactPay is committed to safeguarding the privacy of your information. By “your data”, "your personal data”, and “your information” we mean any personal data about you which you or third parties provide to us.

We may change this Policy from time to time so please check this page regularly to ensure that you’re happy with any changes.

Who are we?

Transact Payments Limited (“TransactPay”, “we”, “our” or “us”) is the issuer of the payment card (“Card”) and provider of the electronic money account (“Wallet”). TransactPay is the Data Controller only for the personal data which you give to us so that we can provide you with the Card and Wallet. TransactPay is an e-money institution, authorised and regulated by the Gibraltar Financial Services Commission. Our registered office address is 6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11 1AA and our registered company number is 108217.

Jamboo Limited (“Jamboo”) administers and provides the Wallet and Card associated with the program. Jamboo is incorporated in England and Wales with registration number 14541056 and registered office address at 307 Euston Road, London, England, NW1 3AD.

Payload Ltd (“Payload”) is the program manager for your Wallet and Card program and is the Data Controller for any personal data which you provide which is not related to the provision of the Wallet. Payload is incorporated and registered in England and Wales with registered office at Epworth House, 25 City Road, London, England, EC1Y 1AA and company registration number 14606631.

How do we collect your personal data?

We collect information from you when you apply online or via a mobile application for a Card or Wallet which is issued by us. We also collect information when you use your Card or Wallet to make transactions. We may also process information from Payload, other third-party payment partners and service providers. We also obtain information from third parties (such as fraud prevention agencies) who may check your personal data against any information listed on an Electoral Register and/or other databases. When we process your personal data we rely on legal bases in accordance with data protection law and this privacy policy. For more information see: On what legal basis do we process your personal data?

On what legal basis do we process your personal data?

Contract

Your provision of your personal data and our processing of that data is necessary for each of us to carry out our obligations under the contract (known as the Wallet Terms & Conditions and Cardholder Terms & Conditions or similar) which we enter into when you sign up for our payment services. At times, the processing may be necessary so that we can take certain steps, or at your request, prior to entering into that contract, such as verifying your details or eligibility for the payment services. If you fail to provide the personal data which we request, we cannot enter into a contract to provide payment services to you or will take steps to terminate any contract which we have entered into with you.

Legal/Regulatory

We may also process your personal data to comply with our legal or regulatory obligations.

Legitimate Interests

We, or a third party, may have a legitimate interest to process your personal data, for example:

• To analyse and improve the security of our business;
• To anonymise personal data and subsequently use anonymized information.

What type of personal data is collected from you?

When you apply for a Card or a Wallet, we, or our partners or service providers, collect the following information from you: full name, physical address, email address, mobile phone number, phone number, date of birth, gender, login details, the source of your funds, IP address and device details, identity and address verification documents.

When you use your Card or Wallet to make transactions, we store that transactional and financial information. This includes the date, amount, currency, Card number, Card name, account balances and name of the merchant, creditor or supplier (for example a supermarket or retailer). We also collect information relating to the payments which are made to/from your Wallet, including the name and account details/card of any person or account or card you receive funds from or send funds to, including any messages or references sent with the payment.

How is your personal data used?

We use your personal data to:

- set up your account, including processing your application for a Card or Wallet, creating your account, verifying your identity and printing your Card.

- maintain and administer your account, including processing your financial payments, processing the correspondence between us, monitoring your account for fraud and providing a secure internet environment for the transmission of our services.

- comply with our regulatory requirements, including anti-money laundering obligations.

- improve our services, including creating anonymous data from your personal data for analytical use, including for the purposes of training, testing and system development.

Who do we share your information with?

When we use third party service partners, we have a contract in place that requires them to keep your information secure and confidential.

We may receive and pass your information to the following categories of entity:

• identity verification and transaction monitoring agencies to undertake required verification, regulatory and fraud prevention checks;
• information security services organisations, web application hosting providers, mail support providers, network backup service providers and software/platform developers;
• document destruction providers;
• third-party providers (such as Account Information Service Providers or Payment Initiation Service Providers or any intermediary companies which connect these providers to the Wallet) when you give them your permission to provide account information from your Wallet or to make payments from your Wallet via Open Banking;
• Mastercard, Visa, digital payment service partners or any third-party providers involved in processing the financial transactions that you make;
• anyone to whom we lawfully transfer or may transfer our rights and duties under this agreement;
• Program Managers;
• technical platform providers whose services we, or Program Manager, use to provide the payment services to you;
• any third party as a result of any restructure, sale or acquisition of TransactPay or any associated entity, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us.
• regulatory and law enforcement authorities, whether they are outside or inside of the United Kingdom (UK) or European Economic Area (EEA), where the law requires us to do so.

Sending personal data overseas

To deliver services to you, it is sometimes necessary for us to share your personal information outside the UK/Gibraltar e.g.:

• with service providers located outside these areas;
• if you are based outside these areas;
• where there is an international dimension to the services we are providing to you.

These transfers are subject to special rules under Gibraltar data protection law.

These countries do not have the same data protection laws as Gibraltar. We will, however, ensure the transfer complies with data protection law and all personal information will be secure. We will send your data to countries where the Gibraltar Government has made a ruling of adequacy, meaning that they have ruled that the legislative framework in the country provides an adequate level of data protection for your personal information. You can find out more about adequacy regulations here and here.

Where we send your data to a country where no adequacy decision has been made, our standard practice is to use standard data protection contract clauses that have been approved by the United Kingdom government and/or the European Commission. You can obtain a copy of the European Commission’s document here and the UK’s document here.

If you would like further information, please contact our Data Protection Officer on the details below.

How long do we store your personal data?

We will store your information for a period of five years after our business relationship ends in order that we can comply with our obligations under applicable legislation such as anti-money laundering and anti-fraud regulations. If any applicable legislation or changes to this require us to retain your data for a longer or shorter period of time, we shall retain it for that period. We will not retain your data for longer than is necessary.

Your rights regarding your personal data?

You have certain rights regarding the personal data which we process:

• You may request a copy of some or all of it.
• You may ask us to rectify any data which we hold which you believe to be inaccurate.
• You may ask us to erase your personal data (where applicable).
• You may ask us to restrict the processing of your personal data.
• You may object to the processing of your personal data (where applicable).
• You may ask for the right to data portability.
• If you would like us to carry out any of the above, please email your request to the Data Protection Officer at dpo@transactpay.com.

How is your information protected?

We recognise the importance of protecting and managing your personal data. Any personal data we process will be treated with appropriate care and security.

These are some of the security measures we have in place:

• We use a variety of physical and technical measures to keep your personal data safe.
• We have detailed information and security policies to ensure the confidentiality, integrity, and availability of information.
• Your data is stored securely on computer systems with control over access on a limited basis.
• Our staff receives data protection and information security training on a regular basis.
• We use encryption to protect data at rest and anonymization where applicable.
• We have adequate security controls to protect our IT infrastructure and staff computers including but not limited to Identity and Access Management, Firewalls, VPN, Antivirus, Advanced Email Threat Protection and more.
• We conduct regular audits such as PCI-DSS to ensure we are following adequate security controls to protect your data.

While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during transmission by you to the applicable mobile app, website or other services over the internet. However, once we receive your information, we make appropriate efforts to ensure its security on our systems.

Complaints

We hope that our Data Protection Officer can resolve any query or concern you may raise about our use of your personal information.

The General Data Protection Regulation also gives you right to lodge a complaint with a supervisory authority, in particular in the European Union (or European Economic Area) state where you work, normally live or where any alleged infringement of data protection laws occurred. The supervisory authority in Gibraltar is the Gibraltar Regulatory Authority. Their contact details are as follows:

Gibraltar Regulatory Authority,

2nd floor, Eurotowers 4, 1 Europort Road, Gibraltar.

(+350) 20074636/(+350) 20072166 info@gra.gi

Other websites

Our website may contain links to other websites. This privacy policy applies only to our website‚ so we encourage you to read the privacy statements on the other websites you visit. We cannot be responsible for the privacy policies and practices of other sites even if you access them using links from our website.

Changes to our Privacy Policy

We keep our Privacy Policy under review and we regularly update it to keep up with business demands and privacy regulation. We will inform you about any such changes. This Privacy Policy was last updated on 16^th July 2024.

How to contact us

If you have any questions about our Privacy Policy or the personal information which we hold about you or, please send an email to our Data Protection Officer at dpo@transactpay.com.

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