Niyah Privacy Policy

Last Updated: 04 December 2020

When you use Niyah services, you trust us with your information. This Privacy Policy is designed to help you understand what data we collect, why we collect it and what we do with it. This is important so we hope you will take the time to read it carefully.

As you use our services, we want you to be clear how we’re using information and the ways in which you can protect your privacy. Our Privacy Policy explains:

  • What information we collect and why.
  • How we use that information.

The choices we offer, including how to access and update information.

We’ve tried to keep it as simple as possible, but if you’re not familiar with any terms or if you have any questions, please contact us at info@getniyah.com

Information we collect

We will only collect the information we require to help us provide the service to you.  We will collect and hold the following:

  • Information you give us. This information will be obtained directly from you.
  • Information we get from your use of our services. Please refer to our Cookie Policy for details.
  • Details about the transactions you complete including any cards and accounts you use
  • Information about your device such as IP address, operating system, models. 
  • Information from any social media accounts you share with us

How we use information that we collect

We use the information we collect to allow us to offer you the service you are signing up to. We will use your information for various reasons including (but not limited to):

  • Storing your up-to-date details on our database so that we can maintain your account
  • To meet our legal obligations such as (1) Immigration or fraud prevention agencies, (2) prevent illegal activities like money laundering, tax evasion and fraud’ (3) make responsible lending decisions, like offering you an arranged overdraft
  • To exercise our legitimate interests. 
  • Providing you with our services and facilitating the process
  • Carrying out our obligations from any contracts we have entered between us
  • Carrying out satisfaction surveys

In unusual circumstances, we may use your personal data to help us to establish, exercise or defend legal claims. We will ask for your consent before using information for a purpose other than those set out in this Privacy Policy. Note: All data collected is stored within the EU/EEA.

Information that we share

We may share your information with 

  • Anyone who works for us to allow them to complete their job, e.g. our support team to resolve any technical issues
  • Card producers and networks
  • Credit reference agencies 

We will not share your information with any other third party unless we receive your consent.

For legal reasons

  • To meet any applicable law, regulation, legal process or enforceable request
  • To detect, prevent or otherwise address fraud, security or technical issues
  • To protect against harm to the rights, property or safety of Niyah, our users or the public, as required or permitted by law.

Information Security

We work hard to protect your information from unauthorised access to or unauthorised alteration, disclosure or destruction of information that we hold. We do this by implementing appropriate technical and organisational measures including but not limited to encryption, secure transfers, and privacy by default and design.

If you suspect any misuse, loss of or unauthorised access to your personal information please let us know immediately.

Retention Periods

We keep your data as long as you’re using Niyah, and for 6 years after that to comply with the law. In some circumstances, like cases of anti-money laundering or fraud, we may keep data longer if we need to and/or the law says we have to. 

Managing your personal data

You are welcome to update or delete any information we have on you unless there is a legitimate reason to keep it. Your rights with regards to your personal information are listed below.

  • The right to be informed
  • The right of access
  • The right to rectification
  • The right to erasure
  • The right to restrict processing
  • The right to data portability
  • The right to object
  • Rights in relation to automated decision making and profiling.

To discuss your rights, and the managing of your personal data, please contact us at info@niyahbank.com. We aim to respond to any queries promptly and within one month of receipt of your request.

You can find out more about your rights on the Information Commissioner’s Office website.

Contacting Us

If you would like to get in touch to discuss your personal data or anything else regarding this privacy policy then you can email us at info@niyahbank.com.

Niyah is a UK based company and our local Supervisory Authority (SA) is the Information Commissioner’s Office (ICO). Should you need to, you can find details about contacting them here.

We may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.