Bank Safe Online

Privacy Policy

For the purposes of this privacy statement, "APACS", "we" "us" or "our" means APACS (Association for Payment Clearing Services) and/or its trading company APACS (Administration) Limited (registered number 1935025), BACS Payment Schemes Limited (registered number 04961302), BACS Limited (registered number 1023742), CHAPS Clearing Company Limited (registered number 1962902), Cheque and Credit Clearing Company Limited (registered number 1962903) and their affiliates, successors and assigns. "you" and "your" means any natural or legal person who uses the website and each entity on whose behalf they act.

Your privacy is very important to us and we take our privacy commitments to our users very seriously. We are notified under the Data Protection Act 1998 ("Act") and all information provided by you to us is dealt with in accordance with the Act. This Website Privacy Policy describes how APACS uses the information which it may collect on the website apacs.org.uk ("Site"). Further information on the Act and your rights under it is available on the Internet at www.dataprotection.gov.uk.

This statement will be updated and amended from time to time so please check it on a regular basis.

Please refer to our Website Terms and Conditions for details on the basis on which you may use the Site and its contents and the extent of our responsibility for such content.

1. Personal Information

   You authorise us to store, use and otherwise process any personal information, including but not limited to your name, address, telephone number, company name and position and credit and debit card details, which personally identifies you ("Personal Information") to enable us to provide the services available through the Site in accordance with the terms of this Website Privacy Policy.

   If you provide us with any Personal Information, which is defined as Sensitive Data under the Act, then we will not disclose this to any third party for any reason without your consent.

   You must at all times ensure that the Personal Information you provide is accurate and complete and all registration details (where applicable) shall contain your real name, address and other requested details. You will notify us of any changes to these as soon as you are able so that we can update our records.

   You are solely responsible for your Personal Information and we may take any action with respect to your Personal Information we deem necessary or appropriate if we believe it may cause us to suffer any loss, liability or commercial damage.

   Any information provided by you in connection with any transaction regarding your credit or debit card numbers, expiry date and billing or delivery address will be used by us, or by others on our behalf, to process the transaction. These details will be stored either in a paper file or on a secure server and encrypted and may be used by us to facilitate and personalise future transactions with you.

   Whilst we will take all reasonable steps to protect your Personal Information, we cannot guarantee the security of any Personal Information you disclose online. You accept the inherent security implications of dealing on-line over the Internet and will not hold us responsible for any breach of security unless we have been negligent and then only to the limits set out in the Website Terms and Conditions.

2. Why we collect Personal Information

   You are not obliged to give us any Personal Information in order to use the majority of our Site. We may, however, require certain Personal Information in order to offer you some services through our Site such as where you want to purchase products from us or request information or advice.

   The Personal Information is valuable in helping us to improve the design and range of the products and services provided by APACS. The use of your information will be kept to the minimum required in order for us to continue to provide the Site and our products and services.

   APACS will not sell, share with or transfer to third parties any information you provide except as set out in this privacy statement.

3. What do we do with your Personal Information?

   You acknowledge and understand that APACS may use your Personal Information:
   • to identify you;
   • to administer, maintain and host the Site and related business;
   • to administer any services we provide to you;
   • to compile statistical analysis of the pages of the Site which you visit;
   • to help us develop our business, products, services and the Site;
   • to process, take payment for and deliver any orders you make with us for goods and services;
   • for internal administration and/or analysis;
   • to consider any applications or requests for information or advice made by you;
   • if applicable, to consider your application for employment; and
   • to comply with any legal or regulatory obligations.

4. IP Tracking

   We use IP addresses to analyse trends, administer the Site, track users' movements and gather broad demographic information for aggregate use, we also aggregate statistics, traffic patterns and related Site information. Such information is primarily used to provide you with an enhanced online experience. This information is generally not capable of personally identifying you. However where it does you have the right to require us to stop analysing it by contacting us at:

5. Third Parties

   Other than to those third parties listed below, we will not disclose your Personal Information to any third party unless either we have your permission to do so, or we are, or consider ourselves to be, under a legal or regulatory obligation to do so. Your Personal Information may be disclosed to the following recipients, though we will use our reasonable endeavours to control the use of your Personal Information:
   • Our third party service providers for the purposes of carrying out their services (including those used by us to complete your orders for products and/or services).
   • Any person to whom we propose to transfer any of our rights and obligations under any agreement we have with you.
   • Our professional advisers and external auditors.
   • Any of our agents.

6. Hyperlinks

   This Policy does not cover links within the Site to other third party websites. We are not responsible for the use of any Personal Information including without limitation cookies which you give directly to such third parties, or which third party websites may collect about you (using cookies or otherwise) while you visit pages hosted by them. Please refer to these third party websites' respective privacy policies for information about their use of your Personal Information and their use of cookies.

7. Data Export

   For the purposes outlined in this Policy, we may send your Personal Information (which includes transfers to other parts of the APACS) internationally, including to countries outside the EEA (including those where our member banks are located). Please be aware that such countries may not have laws to protect your Personal Information.

8. General Information

   If you wish to access or correct or delete any of your Personal Information as held by us, or if you have any questions or concerns about our Website Privacy Policy, Website Terms and Conditions or information we hold about you, contact us at: corpcommsapacs.org.uk.