Information We Collect and How We Collect It
Information You Provide Us
In general, you can visit https://www.piggyvest.com without telling us who you are or revealing any information about yourself.
As a User, we will also ask you to create login information for your PiggyVest account, such as a username and password. When you provide your mobile phone number, we may ask for your consent to receive text messages relating to our Services on that number.
In general, we collect Personal Information you give us by filling in forms or by corresponding with us by phone, email, social media posts & messages, or otherwise.
We may receive, use, store and transfer different kinds of Personal Information about you, including but not limited to the following:
Identity Information: which includes your first name, last name, maiden name (where applicable), username or similar identifier, marital status, title, date of birth and gender.
Contact Information: which includes your billing address, delivery address, email address and telephone numbers.
Transaction Information: which includes details about your transactions.
Device Information: which includes information on the devices with which you access the Website.
Profile Information: which includes your username and password, picture, transaction history, your interests, preferences, feedback and survey responses.
Usage Information: which includes details of your use of our Services. We may aggregate your usage information to calculate the percentage of Users accessing a specific Website feature.
Marketing and Communications Information: which includes your preferences in receiving marketing from us and our third parties and your communication preferences.
Location Information: which includes your current location disclosed by GPS technology or any other location territory.
We may also collect, use and share aggregated data such as statistical or demographic data for any purpose.
Information About Your Transactions
We collect Personal Information about your transactions with us and others.
Information From Third Parties
We also collect Personal Information about you from other companies. For instance, we may receive Personal Information about you from a consumer reporting agency or we may collect Personal Information from your employer where your employer is providing a service to PiggyVest.
We may collect your Personal Information from a User where your Personal Information is filled in a Next-of-Kin form.
Information Automatically Collected
Information that we automatically collect in connection with your access or use of our Services may include:
Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your PiggyVest account.
Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:
- The Device's Internet Protocol ("IP") address
- Identification numbers associated with your Devices
- Device event information, such as crashes, system activity, and hardware settings
- Location preferences
- Date and time stamps of transactions
- System configuration information
- Other interactions with our Services
Information Collected Through Cookies and Similar Technologies
The cookies we use in connection with our Services include:
Session cookies: Session cookies are temporary cookies that expire and are automatically erased whenever you close your browser window. We use session cookies to grant users access to content and to enable actions they must be logged into their PiggyVest account to perform.
Persistent cookies: Persistent cookies usually have an expiration date in the distant future and remain in your browser until they expire or you manually delete them. We use persistent cookies to better understand usage patterns so we can improve our Services. For example, we may use a persistent cookie to associate you with your PiggyVest account or to remember your choices for our Services.
Do Not Track ("DNT") is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not use technology that recognizes DNT signals from your web browser.
How We Use Information
How We Share Information
You agree that we have the right to share your Personal Information, and other information that you share with us:
if you request or authorise it;
if the information is provided to help complete a transaction for you;
with any of our affiliated companies and service providers;
with financial service providers, including the financial institutions identified in your cardholder bank agreement that provide banking services in connection with your PiggyVest account;
with another user, when you sign up for our services via a referral link. The user that referred you may receive information indicating that you have enrolled with us;
with non-financial companies, such as email service providers that perform marketing services on our behalf, and fraud prevention service providers that use the information to provide services to us;
with selected third parties including business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you;
with third parties to whom we may choose to sell, transfer or merge parts of our business or our assets or alternatively, acquire all or parts of their businesses;
in response to a request for information, if we are required by, or we believe disclosure is in accordance with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas or legal process;
for our everyday business purposes;
for publication of our events and competitions on digital and print media
protect our rights, property, or safety or the rights, property, or safety of our users or others; or
with relevant law enforcement officials or other third parties, such as investigators or auditors, if we believe it is appropriate to investigate fraud.
We do not share your Personal Information with: (1) other companies for joint marketing purposes without your consent; or (2) any other third parties so they can market to you.
If you provide us with bank account or debit card information, or any other payment information, through our Services, we may share that information with third-party payment processors and other third-party service providers, solely to the extent necessary to provide you with the relevant Services.
Other Rights to Your Personal Information with Us
Beyond your right to opt out of our processing Personal Information, you also have the option of exercising any of the below rights with respect to your Personal Information:
- Request Correction to your Personal Information
- Request Access to your Personal Information
You can ask us whether we are storing your Personal Information and you can ask to receive a copy of that Personal Information. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information, we hold about you.
- Request us to refrain from doing certain things with your data or restrict the extent of our collection or processing of your data
You may object to the processing of your personal data where you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
- Request partial or complete erasure of your Personal Information
You may request for us to delete or remove personal data where there is no good reason for us to continue to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing, where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note however that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
- Request the transfer of your Personal Information to another party
We will provide to you, or a third party you have chosen, your Personal Information in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
- Withdraw consent
Where we are relying on consent to process your Personal Information, you may withdraw your consent to the processing of Personal Information. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain Services to you. We may advise you if this is the case at the time you withdraw your consent.
- Object to decisions being taken by automated means which produce legal effects concerning you or similarly significantly affect you
This right is subject to applicable law.
Information You Share Socially
Our Services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends.
Our Services may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others, as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.
Security and Storage of your Personal Information
We have suitable security measures in place to prevent your Personal Information from being accidentally lost or used or accessed in an unauthorised way by a third party. When your bank account information is transmitted via our Services, it will be protected by encryption technology, such as Secure Sockets Layer (SSL). In addition, we limit access to your personal data to those employees, employers, agents, contractors and other third parties who have a business need to know. They will only process your Personal Information on our instructions. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
We have, and require our third-party service providers that receive Personal Information from us to have, a comprehensive written information security program that contains administrative, technical, and physical safeguards for our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect information contained within such systems from loss, misuse, or alteration.
No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your email address, username and password for your PiggyVest account and do not share them with others.
If we receive instructions using your PiggyVest account login information or other PiggyVest account security information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your PiggyVest account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate PiggyVest accounts, and to remove or edit content.
Subject to applicable law, which might, from time to time, oblige us to store your Personal Information for a certain period of time, we will retain your Personal Information for as long as necessary to fulfil the purposes we collected it for, including the purposes of satisfying any legal, accounting, or reporting requirements.
Protecting Children's Privacy
Our Services are not directed or intended to be attractive, to children under the age of 18. We do not knowingly collect Personal Information from children under the age of 18. If you are under the age of 18, do not use our Services or submit any information to us.
Links to Third-Party Websites
Data security and retention
We deploy strict physical, electronic, and administrative security measures to protect your information from access by unauthorised persons, against unlawful processing and foreseeable hazards and breaches when online.
We will retain your data for as long as necessary for the said purpose of the processing, and after that, we will keep your data as long as the law requires.
How can I contact PiggyVest?
If you have any questions, comments, or concerns regarding these Terms or the Services, please contact us at [email protected], 0700 933 933 933