Privacy Policy

Last updated: May 18, 2018

Bink is operated by Loyalty Angels Limited, a company registered in England under Company number 09181487, whose registered office is at 2 Queens Square, Ascot Business Park, Lyndhurst Road, Ascot, Berkshire, SL5 9FE (“we”, “our”, or “us”).

For the purpose of the Data Protection Act 1998 and the EU General Data Protection Regulation 2016/679 (including any legislation incorporating it into local law), we are the data controller. This means that we are responsible for and control the processing of the Personal Information that we collect about you.   “Personal Information” or “personal data” means information that can be used to identify or contact you.

This Privacy Policy (together with our User Terms and Conditions) applies to Personal Information we collect about you and to your use of www.bink.com (our “Site”); our Bink mobile / device application, which may be incorporated into an application operated by a third party such as a bank or retailer (our “App”); and any services accessible through our Site or App (“Services”).  It also covers how we use your Personal Information, who we disclose it to, where we might transfer it to, how we protect it and your rights in relation to it.

Please read the following information carefully. By visiting and using our Site and/or App, we will assume that you have read and understood this Privacy Policy.

If you have any questions about our privacy practices, please contact us here.

Personal information collection

Once you register for our Services via the Site or App, we may collect a variety of information about you, including the categories of information described below.

We may combine the information you provide to us directly with information we collect about you and information we receive about you from other sources, and use the combined information for the purposes set out below (depending on the types of information we receive).

We shall retain your Personal Information for as long as you have an account with us and for such additional period after that as is necessary to allow us to meet our legal and regulatory obligations.

1. Personal Information that you provide to us directly

You may provide Personal Information to us in various ways including:

  • when you register to use the Site or App, whether directly or through a social media channel;
  • when filling in forms on the Site or App;
  • using the Services (such as registering your payment card or loyalty card);
  • corresponding with us using messaging features of our App or Site or by phone, e-mail or other form of communication;
  • providing a review of the Site or App – for example, on an app store;
  • participating in discussion boards;
  • sharing, linking or using any other social media functions on our Site or App or contacting us through social media channels; or
  • if you enter a competition, promotion or survey or provide us feedback on our Services.

Personal Information you give us may include your full name, address, e-mail address, social media ‘handle’, age, gender, phone number, financial and payment card information such as card number and expiry date, loyalty card information which may include login details, personal description and photograph.  Where you register to use the App or Site using a social media profile, the information from that profile which is provided to us will be determined by your privacy settings in that social media platform.

Also, in the course of providing Services to you, we may collect special categories of Personal Information about you, to allow us to provide the Services. This type of Personal Information may include information about your membership of a political or professional association or information about your health, for example.  If we request such Personal Information from you, we will explain why we are requesting it and how we intend to use it. We may also receive this Personal Information as a result of how you use your payment or loyalty cards, for example if you use your registered payment card to pay for membership fees or to buy health related products or services, or from your social media profile, if your privacy settings in that social media platform allow this information to be shared with us.  We will only use this Personal Information to allow us to provide the Services to you.

2. Personal Information that we collect about you

Each time you visit our Site or use our App, we may automatically collect the following information:

  • technical information, including the Internet protocol (“IP”) address used to connect your computer to the Internet, the type of mobile device you use, mobile network information, browser type and version, time zone settings, operating systems and platforms; and
  • details of your use of our Site or App including, but not limited to, traffic data, location data, weblogs and other communication data, and the pages and other resources that you access.

3. Location Information

We may also use GPS technology to determine your current location. Some of our location-enabled services require your Personal Information for the feature to work. If you wish to use the particular feature, you will be asked to consent to your location information being used for this purpose. You can withdraw your consent at any time by updating your location services preferences in your device settings.

4. Personal Information we receive about you from other sources

We may receive information about you from third parties we work closely with (including, for example, payment network operators, payment card issuers, retailers, loyalty programme providers, other business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers and credit reference agencies). We receive this information so that we can provide the Services to you and as part of our legitimate interest to help us provide our Services to you in accordance with your requirements and to improve and personalise our Services.

Specifically, we receive transaction information from your payment network (e.g. MasterCard, Visa, and American Express) about purchases you make with your payment card (“Linked Card”), including purchase amount, purchase time and date and the relevant retailers and/or service providers who run loyalty programmes or membership programs (“Merchants”) for each transaction.  We may also receive some or all of this information from the Merchants or financial institutions who we partner with directly, such as where our application is incorporated into an application operated by a Merchant or a bank.  This information will be used, for example, to ask the Merchant to allocate rewards and other benefits to you, to provide you with an opportunity to join the Merchant’s loyalty programme or to add an existing loyalty membership to your wallet, and to provide the other aspects of the Services to you.

By connecting any Linked Card via the Service, you authorise your payment network to examine transactions on your Linked Card and to share the transaction data with us in order to facilitate your receipt of the Services and for reporting to the relevant Merchant or financial institution.  You give us the right to receive this transaction data from your Linked Card until you remove your Linked Card from the Services. You may remove your Linked Card to prevent future transactions associated with the Linked Card being shared with us. It may take a short period of time for the removal of your Linked Card to take effect.

We may retain the data associated with your Linked Cards for historical transactions which will be used to provide a historical transaction overview for you and Merchants and financial institutions and which will allow you to monitor, preserve and track your collection of loyalty points, rewards balances and other benefits on loyalty programmes to which you belong.

If you have any questions about the data we keep in this context, please contact us here.

If you have registered for the Services on our Site or App via Facebook, or other third party social media platforms, or if the email address which you use to register is the same as the email address which you used to register for social media platforms, we may obtain information you have provided to the social media platform(s) (such as your name, profile picture, email address, gender and other information you make publicly available via the applicable social media platform) from the account you have with such social media platform and will use that information to provide the Services to you including to create your Bink account or to contact you in relation to your account. The Personal Information we obtain will depend on your privacy settings on the social media platform.

Use of your personal information

We use your Personal Information on the following legal basis for the following purposes:

1. To perform our agreement to provide the Services to you including:

  • to verify your identity and manage and operate your account(s);
  • to provide you with the Services and carry out our obligations under our agreement(s) with you including, for example, to ask the Merchant to allocate rewards and other benefits to you and to provide the other aspects of the Services to you;
  • to provide you with information relating to the Services including loyalty programme balance updates;
  • to provide you with information about Merchants where you can use the Services, including information about new Merchants joining Bink, presenting you with opportunities to join Merchants’ loyalty programmes, or to register your existing loyalty card, when you use your registered payment card with the Merchant for the first time and to provide details of the rewards and other benefits available to you from the Merchants;
  • to provide you with information about our Bink partners including financial institutions and other organisations who join Bink;
  • to make automated decisions, known as “profiling”, using your Personal Information, such as decisions to make information about particular rewards, benefits and promotional offers to you based on your previous transactions;
  • to provide you with information about products or services that you request from us; and
  • to notify you about changes to our Site, App or Services.

2. For our legitimate interest including:

  • to improve our Services;
  • to personalise your visits to the Site or App and provide tailored content to you so that you have a more relevant and better experience;
  • to analyse and understand how our Site, App and Service are used including carrying out technical and statistical analysis to monitor our Services, the Site and App;
  • to offer you improved customer service and support;
  • to conduct market research; and
  • to ensure that content on our Site and App is presented in the most effective manner for you.

3. To comply with our legal obligations including:

  • preventing and prosecuting fraud; and
  • meeting legal, regulatory, insurance and security requirements.

4. Where you have consented including:

  • where you have consented, for example when you registered for the App or through the App settings, or have already received similar products or services from us and not indicated that you do not want to be contacted for such purposes, to provide you with information about products or services which we feel may interest you by post, email, SMS, or other electronic messaging methods;
  • where you have provided your express consent, to provide you with information about the products or services of members of the Loyalty Angels Group, and those of our Merchants, financial institutions and other Bink partners as notified to you at the time of obtaining your consent, which we feel may interest you by post, email, SMS, or other electronic messaging methods;
  • where you have provided express consent, and if you use our App, we may use push notifications to contact you for these purposes.

If you decide at any time that you no longer wish to receive marketing messages from us, you can opt out at any time. To do so, please follow the unsubscribe instructions provided in any of the marketing messages you receive from us or contact us (see “Changing or Deleting Information” below). If you no longer want to receive push notifications from us, you can update your preferences for the App via your device settings.

5. Anonymised information

We may also use anonymized Personal Information about you when we prepare aggregated data reports showing anonymized information for the purpose of advising ourselves, Merchants and our other business partners regarding past and potential future patterns of spending, fraud, and other insights that may be extracted from this data.

6. Cookies

Our Site and App uses cookies. A cookie is a small file of letters and numbers that we put on your computer or other device. These cookies allow us to distinguish you from other users of our Site or App, which helps us to provide you with a good experience when you use our Site or App and also allows us to improve our Services.

For more information on the cookies we use and the purposes for which we use them, please see our Cookie Policy.

Sharing your personal information

Where necessary to fulfil our obligations to you, we may pass your details to third parties where this is necessary for the operation of our Service. If you do not wish your Personal Information to be shared in this way, you must not register for the Service and you must not use our Site or our App.

This may include sharing Personal Information about you with Merchants, financial institutions and our business partners, suppliers and sub-contractors that join Bink or that we engage to help us provide the Services to you or to process your information including:

  • Sharing information about your payment cards with payment networks and service providers so that we can identify transactions you make using your payment cards – this information is protected by being “tokenized” for us by a service provider, which means the actual card number is replaced by a different number which cannot be linked to your actual card number;
  • Sharing information about how you use your payment card with Merchants so that you receive the benefit of the Services (for example, so that you receive your rewards or other benefits of the Merchants’ loyalty programme);
  • Sharing information about you with a Merchant so that they can enroll you in their loyalty programme, when you register for that scheme through our App or Site, and so that we can ensure that the information we and the Merchant hold is accurate and up-to-date and so that you receive the benefits of the Merchant’s loyalty programme and other services;
  • Sharing information with Merchants and financial institutions who incorporate the Bink application into their own mobile/device application; and
  • Sharing information about you with our other service providers so that we can provide customer service to you.

Further information about how we share your information with these parties can be found on the Site by clicking on “Support” or on the App by clicking on “Help” and then on “FAQ”.

We may share your Personal Information with any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries (“Loyalty Angels Group”).

As may be necessary for us to comply with our legal obligations, we may disclose your Personal Information to third parties (such as government or regulatory bodies, law enforcement agencies and professional services advisers) in order for us to comply with applicable laws and valid requests for information from government or regulatory bodies, or in order to enforce or apply our User Terms and Conditions and other agreements; or to protect our rights, our customers, or others. This may include exchanging Personal Information with other companies and organisations for the purposes of fraud protection and risk management.

In accordance with our legitimate interest, we may transfer, sell or assign any of the Personal Information described in this Privacy Policy to third parties in connection with a sale, merger, consolidation, change of control, transfer of assets or reorganisation of our business, but will take appropriate steps to ensure the confidentiality and protection of your Personal Information in accordance with this Privacy Policy.

your rights

You have the following rights in relation to how we process your Personal Information.  To exercise any of these, please see the “Contacting Us” section at the end of the Privacy Policy.

  1. Obtaining a copy of your Personal Information

At any point you can contact us to ask for a copy of the Personal Information about you which we hold and to request further information in relation to our processing of the Personal Information. If you do wish to receive copies of your Personal Information which we hold, please write to us (including full details of your request) here. Once we have received your request we will respond within one month.

In exceptional circumstances, requests that require disproportionate effort may be rejected or only responded to in part; however, we will always communicate our justification for this to you.

We will provide a copy of your Personal Information free of charge, however we may charge a small fee based on administrative costs (not exceeding the maximum permitted by law) for any further copies of this information that you may request.

  1. Changing, updating and erasing your Personal Information

We will strive to ensure that the Personal Information that we hold on you is up to date and accurate, based on the information we collect. If you believe that the Personal Information we hold on you is out of date, incomplete or incorrect, please contact us here and we will ensure that it is updated.

If you would like us to stop using your Personal Information, you can request that we erase the Personal Information we hold but, if you do, your account will be deactivated and we will no longer be able to provide the Services to you. Once we have processed your request, we will confirm whether all the Personal Information has been deleted or tell you the reason why any of it cannot be deleted. If you would like us to delete your Personal Information, please contact us here with a request that we delete your Personal Information from our database. We will use commercially reasonable efforts to honour your request. We may retain an archived copy of your records (which may include your Personal Information) to meet our legal obligations.

  1. Objecting to processing of your Personal Information

You have the right to request that we stop processing your Personal Information but, if you do, your account will be deactivated and we will no longer be able to provide the Services to you. Upon receiving the request, we will contact you to tell you if we are able to comply or if we have legitimate grounds to continue such processing (e.g. if you have also said that you want to continue to use our Services). If you would like to ask us to stop processing your Personal Information, please write to us (including full details of your request) here. If Personal Information is no longer processed in accordance with your request, please note that we may need to continue to hold your Personal Information to comply with your other rights (e.g. if you want to unsubscribe to marketing communications, we will place your details on our unsubscribe list to ensure we do not contact you as requested) or our legal obligations. We will notify you of this in our response to your request to object to the processing.

  1. Portability of your Personal Information

You also have the right to receive your Personal Information in such a way that it can be transferred to another controller. Once we have received your request, we will comply where it is feasible to do so. If you would like to exercise this right, please write to us (including full details of your request) here.

  1. Profiling

Where we use automated decision making based on your Personal Information (also known as “profiling”), you have the right to have a person intervene in that decision, to express your point of view, to an explanation of a decision reached and to challenge the decision. If you would like to exercise this right, please write to us (including full details of your request) here.

  1. Make a complaint

You can make a complaint about how we have used your Personal Information to us by writing to us here.  Alternatively, you can contact the relevant supervisory authority – for the UK this is the Information Commissioner’s Office, at https://ico.org.uk/.

information security

We take the security of your Personal Information very seriously and use strict procedures and security features to prevent unauthorised access to your Personal Information.

Although we will do our best to protect your Personal Information, the transmission of information via the internet is not completely secure and we cannot guarantee the security of your Personal Information transmitted to our Site or App. As such, any such transmission is at your own risk.

We have put into place additional procedures to protect the Personal Information we hold about you from misuse and loss, and from unauthorised access, modification or disclosure.  We work hard to maintain these procedures and keep them current and up to date.

International transfers

The information that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”), including the United States, such as where we use a service provider located outside the EEA. The service provider we currently use to tokenise your payment card number is based in the United States, for example.  It may also be processed by staff operating outside the EEA who work for us or for one of our service providers to allow us to continue to provide the Services to you. Any transfer of your Personal Information will be in accordance with our legal obligations to ensure the safeguarding of your Personal Information during such transfer. By submitting your Personal Information, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your Personal Information is treated securely and in accordance with this Privacy Policy.

Links to other sites

Our Site or App may contain links to and from other websites (“Third Party Sites”). If you choose to follow a link to a Third Party Site, please note that these websites have their own privacy policies and that we are not responsible for these policies. Please check these policies before submitting any information to a Third Party Site.

Enquiries

When contacted with an enquiry from someone who is not a registered user, we will hold the name and contact details only for the purposes of handling the enquiry.

The online forms used for enquiries are subject to the same cookies and tracking as the rest of the website (see the above section ‘Cookies” and our separate Cookies Policy for more information).

Calls made to us may be recorded to protect the interests of all parties. Any call records which are created will generally be deleted within 30 days unless we need to keep them longer to meet our obligations.

Changes to this policy

Our Privacy Policy may change from time to time.  If we change this Privacy Policy, we will post the revised Privacy Policy on our Site with the date from which it is effective. If we make significant changes to the Privacy Policy which affect the manner in which we use your Personal Information, we will notify you more explicitly by, for example, sending an email or displaying a notice on your device.

Contacting us

If you have any questions about this Privacy Policy, need further information, wish to exercise any of your rights or to lodge a complaint please contact our Data Protection team here.