Privacy Policy
Paneleven Limited (trading as Pannovate) is committed to protecting customer privacy and using technology that gives customers the safest online experience. This Privacy Policy applies to our website and subsequent websites and governs data collection and usage. It should be read in conjunction with our Cookie Policy and Terms of Use.
This Privacy Policy is to ensure compliance with your rights under the General Data Protection Regulation and the rights detailed in the UK Data Protection Act 2018. By using this website and subsequent websites, you consent to the data practices described in this Policy.
About Us
Paneleven Limited (trading as Pannovate) is a company registered in the United Kingdom registered company number 02945465 and a registered office at 22 Manor Drive, London, NW7 3NE.
Contacting Us
Attn: Data Protection Officer
Paneleven Limited (Pannovate)
22 Manor Drive, London, NW7 3NE.
You can also get in touch via our Contact Us page or email info@pannovate.com.
The Information We Collect
| Type of personal information | Description |
|---|---|
| Personal Details | Full name and date of birth |
| Contact Details | Where you live and how to contact you including phone numbers and e-mail addresses |
| Transactional Data | Details about use of your Card and payments to and from your accounts with us |
| Contractual information | Details about the products or services we provide to you |
| Locational Data | Data we get about where you are, such as may come from your mobile phone, the address where you connect a computer to the internet, or a shop where you buy something with your Card |
| Behavioural Data | Details about how you use our products and services |
| Technical Data | Details on the devices and technology you use |
| Communications | What we learn about you from letters, emails and conversations between us |
| Documentary Data | Details about you that are stored in documents in various formats, or copies of them. This could include things like your passport, drivers licence or birth certificate collected to fulfil customer due diligence requirements |
All information is collected directly from you as part of the application process and ongoing maintenance of your account and use of this website.
If you choose not to give us your personal information, it may mean that we cannot carry out the services needed to run and maintain your account or card. This could result in us cancelling your account services or card.
How We Use Your Information
We use the information you provide to us to:
- to provide our services to you.
- to help us develop new and improved products and services to meet our customers' needs.
- for training.
- to communicate with you.
- to meet the obligations we have by law and any regulations that apply;
- where we have a legitimate interest in using your information, for example to protect our commercial interests or to prevent fraud.
- to keep you informed about products and services you have with us and to send you information about products or services (including those of other companies where you have consented for us to do so) which may be of interest to you.
- to analyse website usage and improve site content, performance and navigation using consent-based analytics tools.
Additionally, we use your information to monitor if your accounts or cards are being used for fraud or money-laundering purposes. If we detect that your account or card is being in a way that is unusual or if we think there is a risk of fraud or money-laundering, we may stop activity on the account or card or refuse access to them. We may share your information with fraud protection organisations or law enforcement agencies that may request such information.
If any changes we make to our services affect you, we'll normally contact you using the email address you gave us when you signed up, or through our cardholder portal, to tell you about the changes.
Under data protection laws, whenever we process your personal data, we must meet at least one condition for processing. These conditions are set out in data protection laws and we rely on a number of different conditions for the activities we carry out.
Website Analytics and Cookies
Where you give consent, we use Google Analytics 4 (GA4) to understand how visitors use our website. This may include data such as pages viewed, interaction events, approximate location, browser/device details and technical identifiers.
We only enable analytics tracking when you explicitly accept analytics cookies through our cookie banner. If you reject analytics cookies, GA4 tracking will not be enabled and core website functionality remains available.
You can change your preference at any time using the Cookie settings control displayed on the website. This section should be read together with our Cookie Policy.
Who We Share Your Information With
Pannovate is committed to ensuring that your information is secure with us and with third parties who act on our behalf. These third parties include the card scheme, issuer, processor, card manufacturers, suppliers of identity validation services, IVR, call recording, customer service suppliers, open banking supplier, analytics providers (including Google Analytics where consent has been provided), regulators, HMRC, and so on.
How We Store Your Information
We use strict procedures and security features and processes to try to prevent unauthorised access to your information.
All information you provide to us is stored on secure servers. If we have given you, or you have chosen a password or other logon information you are responsible for keeping this information confidential. Please do not share this information with anyone.
We will only send your information outside of the EEA in order to comply with a legal requirement or on your instructions.
How long do we keep your information for?
We keep your information for as long as you are a customer and up to 5 years after you stop being a customer.
We may keep your data for longer than 5 years if we are required to do so for legal or regulatory reasons.
Marketing
Provided you have given us your explicit consent to do so, we shall communicate with you about our products and services that we think may be of interest. We may do this by email or post. If you don't want us to send you any marketing materials, you can tell us in one of the following ways:
- By visiting your online profile page on the Cardholder website and changing your contact preferences;
- by clicking once on the unsubscribe link contained in newsletters and non-essential email communications we may send you from time to time.;
- by contacting us at info@pannovate.com by writing to us at Paneleven Limited (Pannovate) 22 Manor Drive, London, NW7 3NE.
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy notices and that we do not accept any responsibility or liability for these notices. Please check these notices before you submit any personal information to these websites.
Your Rights
You have legal rights to control what we do with your information. These include:
| Right | Description |
|---|---|
| Access | You have a right to access the personal information we hold about you. We may have to contact you to verify the request is authentic and from you |
| Rectification | You have a right to rectification of inaccurate personal information and to update incomplete personal information. We will take all reasonable steps to do so |
| Erasure | You have a right to request that we delete your personal information. There may be legal or regulatory reasons why we need to keep your data. |
| Restriction on processing | You have a right to request us to restrict a processing of your personal information |
| Objection to processing | You have a right to object to the processing of your personal information |
| Portability | You have a right to personal information portability. You can also ask us to pass your personal information to other organisations. |
If you wish to exercise any of your legal rights please e-mail us at info@pannovate.com or write to us at Paneleven Limited (Pannovate) 22 Manor Drive, London, NW7 3NE.
Changes to our Privacy Policy
Any changes we make to our Privacy Policy will appear on this page. If appropriate you may be notified by e-mail or through our cardholder portal. It is recommended that you review this Policy periodically to ensure you have the most up to date version.
Contacting Us
If you have any questions, comments or request pertaining to this Privacy Policy you can contact us as follows:
Email: info@pannovate.com
If you have a complaint that we are not able to address you can contact:
UK: Information Commissioners Office https://ico.org.uk
