Privacy policy

  1. INTRODUCTION
    1. In this policy, "we", "us" and "our" refer to MyBucks S.A, including our subsidiaries, our ultimate holding company and all its subsidiaries (the “MyBucks Group”). For more information about us, see Section 17.
    2. We are committed to protecting your privacy.
    3. This policy applies where we are acting as a data controller with respect to the personal data of our website visitors and service users. A data controller determines the purposes and means of the processing of the personal data it receives.
    4. We use cookies on our website. Insofar as those cookies are not strictly necessary for the provision of our website and services, we will ask you to consent to our use of cookies when you first visit our website. For more information in relation to cookies, see Section 11.
  2. SITES COVERED BY THIS PRIVACY POLICY
    1. This policy applies to our Site and all our websites.
    2. Our websites may provide links to third-party websites for your convenience and information.
    3. If you access those links, you will leave our websites. We do not control those sites or their privacy practices, which may differ from our own privacy practices.
    4. This policy does not cover any personal data that you choose to give to unrelated third parties.
    5. We do not monitor or control the information collected by such sites or the privacy practices of any third parties, and we are not responsible for their practices or the content of their sites.
  3. HOW WE USE YOUR PERSONAL DATA
    1. In this Section 3 we have set out:
      1. the general categories of personal data that we may process;
      2. in the case of personal data that we did not obtain directly from you, the source and specific categories of that data;
      3. the purposes for which we may process personal data; and
      4. the legal bases of the processing.
    2. We may process data about your use of our website and services ("usage data"). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use. The source of the usage data is our analytics tracking system. This usage data may be processed for the purposes of analysing the use of the website and services. The legal basis for this processing is consent or our legitimate interests, namely monitoring and improving our website and services.
    3. We may process your account data ("account data"). The account data may include your name and email address. The source of the account data is generally you or a third party you have authorized to provide us with your personal information. The account data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you. The legal basis for this processing is consent or our legitimate interests, namely the proper administration of our website and business, or the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.
    4. We may process your information included in your personal profile on our website ("profile data"). The profile data may include your name, address, telephone number, email address, profile pictures, gender, date of birth, relationship status, interests and hobbies, educational details and employment details. The profile data may be processed for the purposes of enabling and monitoring your use of our website and services. The legal basis for this processing is consent, or our legitimate interests, namely the proper administration of our website and business or the performance of a contract between you and us and/or taking steps, at you request, to enter into such a contract.
    5. We may process your information included in your employment application on our website ("employment application data"). The employment application data may include your name, address, telephone number, email address, profile pictures, gender, date of birth, relationship status, interests and hobbies, employment history, education, qualifications, experience, demographic information, geographic location and salary information. The employment application data may be processed for the purposes of enabling and monitoring your use of our website and services and to evaluate your applications for employment. The legal basis for this processing is consent, or our legitimate interests, namely the proper administration of our website and business or the performance of a contract between you and us and/or taking steps, at you request, to enter into such a contract.
    6. We may process your personal data provided during the use of our services ("service data"). The service data may include the way you utilise our services. The source of the service data is you. The service data may be processed for the purposes of operating our website, providing our services, ensuring the security of our website and services, maintaining back-ups of our databases and communicating with you. The legal basis for this processing is consent or our legitimate interests, namely the proper administration of our website and business, or the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.
    7. We may process information that you post for publication on our website or through our services ("publication data"). The publication data may be processed for the purposes of enabling such publication and administering our website and services. The legal basis for this processing is consent or our legitimate interests, namely the proper administration of our website and business, or the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract
    8. We may process information contained in any enquiry you submit to us regarding products, services and/or employment enquiries ("enquiry data"). The enquiry data may be processed for the purposes of offering, marketing and selling relevant products, services and/or employment opportunities to you. The legal basis for this processing is consent.
    9. We may process information relating to our customer relationships, including customer contact information ("customer relationship data"). The customer relationship data may include your name, your employer, your job title or role, your contact details, and information contained in communications between us and you or your employer. The source of the customer relationship data is you and/or your employer. The customer relationship data may be processed for the purposes of managing our relationships with customers, communicating with customers, keeping records of those communications and promoting our products and services to customers. The legal basis for this processing is consent or our legitimate interests, namely the proper management of our customer relationships.
    10. We may process information relating to transactions, including obtaining of products and/or services, that you enter into with us and/or through our website ("transaction data"). The transaction data may include your contact details, your card details and the transaction details. The transaction data may be processed for supplying the relevant products and services and keeping proper records of those transactions. The legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract and our legitimate interests, namely the proper administration of our website and business.
    11. We may process information that you provide to us for subscribing to our email notifications and/or newsletters("notification data"). The notification data may be processed for the purposes of sending you the relevant notifications and/or newsletters. The legal basis for this processing is consent or the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.
    12. We may process information contained in or relating to any communication that you send to us ("correspondence data"). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business and communications with users.
    13. We may process the following:
      1. general personal information such as your name, gender, date of birth, residential address (and address history) and contact details such as your email address and telephone number (and any other telephone numbers you call from);
      2. employment related personal information such as your employment history, education, qualifications, experience, demographic information, geographic location and salary information;
      3. information obtained through our use of cookies;
      4. telephone recordings (if any);
      5. your marketing preferences; and
      6. identifiers assigned to your device such as your Internet Protocol (IP) address.
    14. The source of this data is:
      1. From you (or someone on your behalf) when:
        1. viewing our website (via cookies);
        2. using our website to open an account or apply for a product and/or service;
        3. contacting us by email, social media, Live Chat or telephone (calls are recorded);
        4. completing customer surveys;
      2. From third parties such as:
        1. service providers who:
          1. help us monitor the ease of use of our website and online account opening process, so we can improve the user experience;
          2. help us carry out market research, surveys and business and statistical analysis;
    15. This data may be processed to provide you with products and/or services.
    16. The legal basis for this processing is consent or our legitimate interests, which could include running our company and internal operations, complying with our legal and regulatory obligations, evaluating your ability to repay, providing sustainable services, providing high quality and appropriate services, protecting our business by ensuring we have the correct information about you and preventing crimes (including fraud), administering repayments, recovering outstanding debts, maintaining our business records, developing, improving and marketing our products and services, improving the quality and security of our services, understanding and improving our business and services, ensuring our systems work as efficiently as possible, protecting the security of our systems, resolving complaints, maintaining customer satisfaction, complying with any redress programme and receiving professional advice.
    17. We may process any of your personal data identified in this policy where necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. The legal basis for this processing is our legitimate interests, namely the protection and assertion of our legal rights, your legal rights and the legal rights of others.
    18. We may process any of your personal data identified in this policy where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice. The legal basis for this processing is our legitimate interests, namely the proper protection of our business against risks.
    19. In addition to the specific purposes for which we may process your personal data set out in this Section 3, we may also process any of your personal data where such processing is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.
    20. Please do not supply any other person's personal data to us, unless we prompt you to do so.
  4. PROVIDING YOUR PERSONAL DATA TO OTHERS
    1. We may disclose your personal data to any member of the MyBucks Group insofar as reasonably necessary for the purposes, and on the legal bases, set out in this policy.
    2. We may disclose your personal data to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
    3. We may disclose your information to the following third parties:
      1. Any firm, organisation or person we use to help us operate our business or to provide a service on our behalf, including providers of our payment systems, debt collection agencies we use to collect payments and recover debts, tracing agents or investigators, and suppliers who monitor use of social media to help us improve our decisions;
      2. Any firm, organisation or person who provides us with products or services or who we provide products and services to, including IT suppliers, auditors, marketing agencies, document management providers, tax advisers, post management and print providers, and suppliers who monitor the use of our website and online account opening and application process to help us improve the user experience;
      3. Any person who we reasonably believe to be your parent, carer or helper in circumstances where you are unable to handle your own affairs because of mental capacity or other similar issues;
      4. Banks or similar financial institutions;
      5. Law enforcement agencies to investigate and prevent crime;
      6. Law firms or any other organisations we instruct to provide legal advice or assist with legal proceedings;
      7. Survey providers and third parties we appoint to carry out market research or business analysis;
      8. Selected third parties regarding the sale, transfer or disposal of our business;
      9. Our regulators and governmental authorities, ombudsmen, or other authorities, including tax authorities;
      10. We may also disclose your personal data to other third parties where:
        1. you have provided your consent to the third party, for example insolvency practitioners, debt management companies and claims management companies; or
        2. the disclosure is required by law or by a regulator with authority over us or you, for example where there is a statutory obligation or court order.
    4. Financial transactions relating to our website and services may be handled by our payment services providers. We will share transaction data with our payment services providers only to the extent necessary for the purposes of processing your payments, refunding such payments and dealing with complaints and queries relating to such payments and refunds.
    5. In addition to the specific disclosures of personal data set out in this Section 4, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may also disclose your personal data where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.
  5. INTERNATIONAL TRANSFERS OF YOUR PERSONAL DATA
    1. In this Section 5, we provide information about the circumstances in which your personal data may be transferred to countries outside the European Economic Area (EEA).
    2. The MyBucks Group has offices and facilities in Luxembourg, South Africa, Poland, Mozambique, Uganda, Malawi, Zimbabwe, Swaziland, Australia, Kenya, Botswana, Namibia, Zambia and Tanzania. The hosting facilities for our website are situated in South Africa. When we transfer your personal data outside of the EEA we take the required steps to ensure that your personal data is protected by placing the party we are transferring information to under contractual obligations to protect it to adequate standards and, where relevant, by ensuring that such party is a member of a scheme that has been approved by the European authorities as providing a suitable level of protection. If you have a question about the steps we take to safeguard your personal data, please contact us using the details set out in section 17 of this Privacy Policy.
    3. You acknowledge that personal data that you submit for publication through our website or services may be available, via the internet, around the world. We cannot prevent the use (or misuse) of such personal data by others.
  6. RETAINING AND DELETING PERSONAL DATA
    1. This Section 6 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal data.
    2. Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.
    3. We will retain your personal data, if you opted in to receive marketing, we will hold your contact details (name, address, email address and telephone number) for 3 years.
    4. Notwithstanding the other provisions of this Section 6, we may retain your personal data where such retention is necessary for compliance with a legal obligation to which we are subject, or to protect your vital interests or the vital interests of another natural person.
  7. CHILDREN’S PRIVACY The MyBucks Group is committed to protecting the privacy needs of children and we encourage parents and guardians to take an active role in their children’s online activities and interests. The MyBucks Group does not knowingly collect information from children under the age of 13 and we do not target our websites to children under 13.
  8. BUSINESS TRANSITIONS If we go through a business transition, such as a merger, acquisition by another company or sale of all or a portion of its assets, your personal information will likely be among the assets transferred.
  9. AMENDMENTS
    1. We may update this policy from time to time by publishing a new version on our website.
    2. You should check this page occasionally to ensure you are happy with any changes to this policy.
    3. We may notify you of significant changes to this policy by email.
  10. YOUR RIGHTS
    1. In this Section 10, we have summarised the rights that you have under data protection law. Some of the rights are complex, and not all the details have been included in our summaries. Accordingly, you should read the relevant laws and guidance from the regulatory authorities for a full explanation of these rights.
    2. Your principal rights under data protection law are:
      1. the right to access;
      2. the right to rectification;
      3. the right to erasure;
      4. the right to restrict processing;
      5. the right to object to processing;
      6. the right to data portability;
      7. the right to complain to a supervisory authority; and
      8. the right to withdraw consent.
    3. You have the right to confirmation as to whether we process your personal data and, where we do, access to the personal data, together with certain additional information. That additional information includes details of the purposes of the processing, the categories of personal data concerned and the recipients of the personal data. Providing the rights and freedoms of others are not affected, we will supply to you a copy of your personal data. The first copy will be provided free of charge, but additional copies may be subject to a reasonable fee.
    4. You have the right to have any inaccurate personal data about you rectified and, considering the purposes of the processing, to have any incomplete personal data about you completed.
    5. In some circumstances you have the right to the erasure of your personal data without undue delay. Those circumstances include:
      1. the personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed;
      2. you withdraw consent to consent-based processing; you object to the processing under certain rules of applicable data protection law;
      3. the processing is for direct marketing purposes; and the personal data have been unlawfully processed.
    6. However, there are exclusions of the right to erasure. The general exclusions include where processing is necessary:
      1. for exercising the right of freedom of expression and information;
      2. for compliance with a legal obligation; or
      3. for the establishment, exercise or defence of legal claims.
    7. In some circumstances you have the right to restrict the processing of your personal data. Those circumstances are:
      1. you contest the accuracy of the personal data;
      2. processing is unlawful, but you oppose erasure;
      3. we no longer need the personal data for the purposes of our processing, but you require personal data for the establishment, exercise or defence of legal claims; and
      4. you have objected to processing, pending the verification of that objection. Where processing has been restricted on this basis, we may continue to store your personal data.
    8. However, we will only otherwise process it:
      1. with your consent;
      2. for the establishment, exercise or defence of legal claims;
      3. for the establishment, exercise or defence of legal claims;
      4. for reasons of important public interest.
    9. You have the right to object to our processing of your personal data on grounds relating to your situation, but only to the extent that the legal basis for the processing is that the processing is necessary for: the performance of a task carried out in the public interest or in the exercise of any official authority vested in us; or the purposes of the legitimate interests pursued by us or by a third party. If you make such an objection, we will cease to process the personal information unless we can demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms, or the processing is for the establishment, exercise or defence of legal claims.
    10. You have the right to object to our processing of your personal data for direct marketing purposes (including profiling for direct marketing purposes). If you make such an objection, we will cease to process your personal data for this purpose.
    11. You have the right to object to our processing of your personal data for scientific or historical research purposes or statistical purposes on grounds relating to your situation, unless the processing is necessary for the performance of a task carried out for reasons of public interest.
    12. To the extent that the legal basis for our processing of your personal data is:
      1. consent; or
      2. that the processing is necessary for the performance of a contract to which you are party or to take steps at your request prior to entering into a contract, and such processing is carried out by automated means, you have the right to receive your personal data from us in a structured, commonly used and machine-readable format. However, this right does not apply where it would adversely affect the rights and freedoms of others.
    13. If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your habitual residence, your place of work or the place of the alleged infringement.
    14. To the extent that the legal basis for our processing of your personal information is consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing before the withdrawal.
    15. You may exercise any of your rights in relation to your personal data by written notice to us.
  11. COOKIES
    1. About cookies
      1. A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.
      2. Cookies may be either "persistent" cookies or "session" cookies. A persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date. A session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
      3. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.
    2. Cookies that we use
      1. We may use cookies for the following purposes:
        1. authentication - we may use cookies to identify you when you visit our website and as you navigate our website;
        2. status - we may use cookies to help us to determine if you are logged into our website;
        3. personalisation - we may use cookies to store information about your preferences and to personalise the website for you;
        4. security - we may use cookies as an element of the security measures used to protect user accounts, including preventing fraudulent use of login credentials, and to protect our website and services generally;
        5. advertising - we may use cookies to help us to display advertisements that will be relevant to you;
        6. analysis - we use may cookies to help us to analyse the use and performance of our website and services; and
        7. cookie consent - we may use cookies to store your preferences in relation to the use of cookies more generally.
    3. Cookies used by our service providers
      1. Our service providers use cookies and those cookies may be stored on your computer when you visit our website.
      2. We use Google Analytics to analyse the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google's privacy policy is available at: https://www.google.com/policies/privacy/.
  12. MANAGING COOKIES
    1. Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:
      1. https://support.google.com/chrome/answer/95647?hl=en (Chrome);
      2. https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);
      3. http://www.opera.com/help/tutorials/security/cookies/ (Opera);
      4. https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
      5. https://support.apple.com/kb/PH21411 (Safari); and
      6. https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).
    2. Blocking all cookies will have a negative impact upon the usability of many websites.
    3. If you block cookies, you will not be able to use all the features on our website.
  13. MARKETING
    1. We may share information within the GetBucks Group to inform you of other products and services that might be of interest to you, but we will only do this where you have provided your consent.
    2. We are committed to only sending you marketing communications that you would like to receive. If you wish to unsubscribe from emails sent by us, you may do so at any time by clicking on the 'unsubscribe' link that appears in all emails. Otherwise you can contact us using the details set out in section 17 of this Privacy Policy.
    3. However, please note, if you opt out of receiving marketing emails we will continue to send you service related (non-marketing) communications, such as payment reminders.
  14. SECURITY
    1. We recognise how important it is to protect and manage the information you share with us and we are committed to keeping your personal data secure.
    2. We use a range of organisational and technical security measures to protect your information including safeguards such as firewalls and data encryption.
    3. We enforce appropriate physical access controls to our buildings, and we only authorise access to our buildings and files to those employees who require it to fulfil their job responsibilities.
    4. When you share personal data with us through our website, that information is protected, and our security systems meet or exceed industry standards.
  15. THIRD PARTY LINKS
    1. Our website may contain links to third party websites. If you follow a link to any of these websites, please note that these websites have their own terms and conditions and privacy policies, and we do not accept any responsibility or liability for their policies or processing of your personal data.
    2. Please check these policies before you submit any personal data to such third-party websites.
  16. SOCIAL MEDIA FEATURES
    1. Our websites may include social media features. These features may collect your IP address, which pages you are visiting on our site and may set a cookie to enable the feature to function properly.
    2. Social media features and widgets are either hosted by a third party or hosted on our site. your interactions with these social media features are governed by the privacy policy of the company providing it.
  17. TERMS AND CONDITIONS
    1. If you choose to visit our websites, your visit and any dispute over privacy is subject to this policy and our Terms and Conditions, including, but not limited to, disclaimers of warranty, limitations of liability, and arbitration of disputes. If you have any questions regarding our use of your personal information, please contact us.
  18. OUR DETAILS
    1. This website is owned and operated by MyBucks S.A.
    2. We are registered in Luxembourg under registration number B 199.543, and our registered office is at 40, avenue Monterey, L-2163 Luxembourg.
    3. Our principal place of business is at 9, Rue du Laboratoire, L-1911 Luxembourg.
    4. You can contact us:
      1. by post, to the postal address given above;
      2. using our website contact form;
      3. by telephone, on the contact number published on our website from time to time; or
      4. by email, using the email address published on our website from time to time.
  19. SEQ LEGAL
    1. This document was created by modifying a template from SEQ Legal (https://seqlegal.com).
Hi, I'm Tess, the MyBucks AI Chatbot.
I am here to answer your questions and help you navigate our website.