Important Information and Who We Are
Your personal information will be collected and processed by Insignia Cards Limited, registration number C 54426, with address at Level 4, Palazzo Spinola, 46, St Christopher Street, Valletta VLT1464.
We are part of a family of companies known as The Insignia Group of Companies as defined in our full Privacy Notice, which can be found at https://www.insigniacards.com/privacy-policy/. More information on us and the Group can be found at https://www.insignia-cards.com/
The Data We Collect About You
Personal data, or personal information, means any information about an individual from which that person can be identified. We may collect, use, store and transfer different kinds of personal data about you which we have grouped together in categories such as identity, financial and contact data.
You can find further details about these categories in our full Privacy Notice.
How Is Your Personal Data Collected?
We will collect personal information about you from a number of sources including:
• information given to us on application forms, in letters and emails, over the phone or through the device you use.
• from analysis of how you operate our products and services, including the frequency,nature, location, origin and recipients of any payments.
• from, or through, other organisations (for example other entities within the Insignia Group of Companies, card associations, insurance companies, retailers, social media, credit reference agencies, fraud prevention agencies and public information sources).
• in certain circumstances we may also use special categories of your data (criminal convictions) but we will only do this where allowed by law or if you give your consent.
For more information about how your personal information is collected, see our full Privacy Notice.
How We Use Your Personal Information
We will use your personal information:
• to provide products and services, manage your relationship with us and comply with any laws or regulations we are subject to (for example the laws that prevent financial crime or the regulatory requirements governing the products we offer).
• for other purposes including improving our services, exercising our rights in relation to agreements and contracts and identifying products and services that may be of interest.
To support us with the above we analyse information we know about you and how you use our products and services. We do not use your data to make any automated decisions about you. You can find out more about how we use your information, and in what circumstances you can ask us to stop, in our full Privacy Notice.
Who We Share Your Personal Information With
Your personal information will be shared within the Insignia Group of Companies and other companies that provide services to you or us, so that we and any other companies in the Group can look after your relationship with us. By sharing this information it enables us to run accounts and policies, and provide products and services efficiently. This processing may include activities which take place outside of the European Economic Area, whose laws may not provide the same level of data protection. If this is the case we will ensure appropriate safeguards are in place by means of a data transfer agreement approved by the Information and Data Protection Commissioner in Malta or based on standard contractual clauses approved by the European Commission for transfers of personal data to third countries. You can find out more about how we share your information in our full Privacy Notice.
Why We Need This Personal Information
If you want to enter into a contractual relationship with us, we will need to collect certain personal information from you such as name and surname, home address, contact address, e-mail, a copy of your ID (as well as information contained in it), taxpayer identification code, telephone number, employment details, financial information, source of wealth and source of funds . We may also need to collect certain information from you to comply with legal obligations (such as, in particular, obligations arising from applicable tax regulations). If you fail to provide this information to us it may prevent or delay us fulfilling these obligations or performing services which may prevent us operating accounts or policies.
We may also collect certain personal information from you or publicly available sources such as financial, contractual, transaction, location, profile and usage data based on our legitimate interest in preventing fraud, protecting our customers, improving and promoting our services. If the processing of your personal information is based on our legitimate interests, you may object to such processing at any time.
We may also ask your consent for the purposes of Article 94(2) of PSD2 for the processing of certain personal information from you such as marketing information, personal data of your minor children, special categories of personal data (eg. biometric data, data on criminal convictions and offences). If you decide to give your consent for a certain processing operation, you may withdraw your consent at any time.
What Rights You Have Over Your Personal Information
The law gives you a number of rights in relation to your personal information including:
• To request access to your personal data
• To request correction of your personal data
• To request erasure of your personal data
• To object to processing of your personal data
• To request restriction of processing your personal data
• To request transfer of your personal data
• To withdraw consent
You can find out more about these rights and the limits thereto in our full Privacy Notice (see also below on how to exercise your rights).
How Long We Keep Your Information For
We will keep your information for as long as you are a customer of Insignia Cards Limited. In accordance with the GDPR, your information cannot be kept for longer than is necessary for the purposes for which the personal data are processed. After you stop being a customer, we may keep your data for a reasonable period of time (not exceeding 10 years) for screening and KYC purposes. You can find out more about our retention policy in our full Privacy Notice.
Our Full Data Privacy Notice
It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our full Privacy Notice.
If You Would Like To Contact Us Or Exercise Any Of Your Rights
If you have any questions, require more information about how we use your personal information, or wish to exercise any of your rights or lodge a data protection complaint, please contact our Data Protection Officer on dpo@insignia-cards.com. You also have the right to make a complaint at any time to the Office of the Information and Data Protection Commissioner, which you can do so on their website (www.idpc.org.mt).
