Privacy Policy

This privacy policy sets out how Prepay Technologies Ltd, which is the legal name of Edenred Payment Solutions, uses and protects your personal data (referred to as “Edenred Payments Solutions”, “Our” and “We herein). 

1. Important information and who we are

Privacy policy

Who we are

Prepay Technologies Ltd, which is the legal name of Edenred Payment Solutions, is a company registered in England and Wales with company number 04008083 and a registered office at Station Square 1 Gloucester Street, Swindon, Wiltshire, SN1 1GW, United Kingdom.

This privacy policy gives you information about how Edenred Payment Solutions collects and uses your personal data through your use of this website, including any data you may provide when you register with us or sign up to our newsletter.

This website is not intended for under 18 year olds and we do not knowingly collect data relating to children.

Controller 

This Privacy Policy is only applicable to Cards and/or Accounts (“Card”) issued by Edenred Payments Solutions. The Terms and Conditions relating to your Cards and/or Accounts will clearly state whether your

Cards and/or Accounts is regulated as E-Money or payment services. If you are not sure, please do ask for clarification by contacting PPT.DPO@edenred.com

Prepay Technologies Limited is the Data Controller in relation to your Cards and/or Accounts and all necessary activities relating to the operation of the Cards and/or Accounts: allowing you to receive, activate and use your Card (activating, managing and using your online account where applicable, making and receiving payment transactions, meeting legal requirements, answering requests, providing information to you). You may be the Customer, or you may be a person that has been provided with Cards and/or Accounts by the Customer. In addition, where relevant to our due diligence obligations, we may process information about owners of corporate customers and agents.

Programme Managers

If you provide any personal information to the Programme Manager relevant to your Card (this party is clearly identifiable by the branding on your card), the Programme Manager is a separate Data Controller, and you can view their Privacy Policy on their website. If you are not sure, please do ask for clarification by contacting PPT.DPO@edenred.com 

Retail Gift cards and other Cards which are not regulated as E-Money

If you have a product such as a gift card where Prepay Technologies Ltd is acting as a Data Processor and the product is not regulated as E-Money, please go to the website of the party that has issued the relevant gift card and details of how your personal data will be processed will be set out in this party’s own privacy policy. If you are not sure, please do ask for clarification by contacting PPT.DPO@edenred.com. Please note that we may still carry out sanctions screening in relation to certain non-regulated products where required by law even when we otherwise act as a Data Processor.

If you have any questions about this privacy policy, including any requests to exercise your legal rights (paragraph 9), please contact us using the information set out in the contact details section (paragraph 10).

2. The types of personal data we collect about you

Personal data 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 as follows: 

• Identity Data includes first name, last name, any previous names
• Contact Data email address
• Technical Data includes internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, device ID and other technology on the devices you use to access this website.
• Usage Data includes information about how you interact with and use our website, products and services
• Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect, use and share aggregated data such as statistical or demographic data which is not personal data as it does not directly (or indirectly) reveal your identity. For example, we may aggregate individuals' Usage Data to calculate the percentage of users accessing a specific website feature in order to analyse

general trends in how users are interacting with our website to help improve the website and our service offering.

3. How is your personal data collected?

We use different methods to collect data from and about you including through:

• Your interactions with us. You may give us your personal data by filling in online forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
  • subscribe to our service or publications;
  • request marketing to be sent to you;
  • enter a competition, promotion or survey; or
  • give us feedback or contact us.

• ·Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies. Please see our cookie policy https://eps.edenred.com/cookies-policy for further details.

• Third parties or publicly available sources. We will receive personal data about you from various third parties and public sources as set out below:
• Technical Data is collected from the following parties: 

• • analytics providers such as Hubspot based inside the EEA
  • social platforms such as LinkedIn based inside the EEA.
  • search information providers [such as [NAME] based [inside OR outside] the UK].

4. How we use your personal data

Legal basis

The law requires us to have a legal basis for collecting and using your personal data. We rely on one or more of the following legal bases: 

• Performance of a contract with you: Where we need to perform the contract we are about to enter into or have entered into with you.
• Legitimate interests: We may use your personal data where it is necessary to conduct our business and pursue our legitimate interests, for example to prevent fraud and enable us to give you the best and most secure customer experience. We make sure we consider and balance any potential impact on you and your rights (both positive and negative) before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).
• Legal obligation: We may use your personal data where it is necessary for compliance with a legal obligation that we are subject to. We will identify the relevant legal obligation when we rely on this legal basis.
• Consent: We rely on consent only where we have obtained your active agreement to use your personal data for a specified purpose, for example if you subscribe to an email newsletter.

The purposes for processing your personal information

Processing is necessary for the performance of your contract with Prepay Technologies Ltd and for the issue and operation of Cards and/or Accounts and is necessary for compliance with legal obligations applicable to Prepay Technologies Ltd such as financial crime prevention. Prepay Technologies Ltd does not use your personal information for marketing purposes and will not share your information with third parties for marketing purposes.

Financial crime prevention

Prepay Technologies Ltd will use your personal information to help decide if your accounts may be being used for fraud or money-laundering. We may detect that an account is being used in ways that fraudsters work, or we may notice that an account is being used in a way that is unusual. If we think there is a risk of fraud, we may stop activity on the accounts or refuse access to them. We also screen End Users against sanctions and PEP lists and adverse media.

We might also check and share your information with law enforcement and fraud prevention agencies, judicial bodies, government entities, tax authorities or regulatory bodies. If fraud is identified or suspected, these agencies may keep a record of that information and we may refuse to provide any services. We also use a third party screening service provider to conduct sanctions and PEP screening and adverse media checks. The screening service provider generally acts as an independent controller when compiling and maintaining its risk intelligence database, and acts as our processor for certain functions (such as ongoing screening and watchlists). Any positive matches are subject to manual review before we make a decision about your account. We do not make decisions solely by automated means.

Categories of personal information and collection

Personal information will only be collected directly and voluntarily from you as part of the application process or as a result of transactions relating from the use of your Cards and/or Accounts. Some personal information may be verified by Prepay Technologies Ltd with use of publicly accessible sources to fulfil customer due diligence.

We may also compare and match your information against sanctions/PEP lists and adverse media available via our third party screening service provider. Our screening service provider is LSEG World Check – pleasure refer to https://www.lseg.com/en/policies/privacy-statement for further details on how this information is used.

For TUI and UBT customers, Transunion (a credit reference agency) is used to help identify and verify individuals - please refer to https://www.transunion.co.uk/legal-information/bureau-privacy-notice for further details on how this information is used.

Lloyds Cardnet is used as a Payment Gateway that allows account holders to deposit funds to their accounts – please refer to www.lloydsbank.com/business/privacy.html for further details on how this information is used. 

Direct marketing

You will receive marketing communications from us if you have requested information from us from us and you have not opted out of receiving the marketing.

We may also analyse your Identity, Contact, Technical, Usage and Profile Data to form a view which products, services and offers may be of interest to you so that we can then send you relevant marketing communications.

Third-party marketing

We will get your express consent before we share your personal data with any third party for their own direct marketing purposes.

Opting out of marketing

You can ask to stop sending you marketing communications at any time by following the opt-out links within any marketing communication sent to you or by contacting us PPT.DPO@edenred.com .

If you opt out of receiving marketing communications, you will still receive service-related communications that are essential for administrative or customer service purposes for example relating to order confirmations for a product/service warranty registration, appointment reminders, updates to our Terms and Conditions, checking that your contact details are correct.

Cookies

For more information about the cookies we use and how to change your cookie preferences, please see https://eps.edenred.com/cookies-policy .

5. Disclosures of your personal data

We may share your personal data where necessary with the parties set out below for the purposes set out in the table Purposes for which we will use your personal data above.

• Internal Third Parties within our Group or the Edenred group of companies
• External Third Parties we use as processors to facilitate the service of our website, for instance, .Hubspot, a CRM platform for inbound marketing, content and sales management. The Hubspot Privacy Policy can be found at https://legal.hubspot.com/privacy-policy.
• We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

6. International transfers

Prepay Technologies Ltd will only send your personal information outside of the European Economic Area (EEA) to:

• Follow your instructions
• Comply with a legal duty
• Benefit from the conduct of screening services undertaken by our third party screening service provider

In relation to personal information processed by Mastercard certain processors are located outside of Europe. Personal information processed by Mastercard is subject to Mastercard Binding Corporate Rules which you have enforcement rights under as a third-party beneficiary.

We use specific standard contractual terms approved for use in the UK or the EEA which give the transferred personal data the same protection as it has in the UK or the EEA, namely the International Data Transfer Agreement or The International Data Transfer Addendum to the European Commission’s standard contractual clauses for international data transfers. To obtain a copy of these contractual safeguards, please contact us at PPT.DPO@edenred.com .

7. Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

8. Data retention

How long will you use my personal data for?

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

In some circumstances you can ask us to delete your data: see paragraph 9 below for further information.

In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

9. Your legal rights

• Request access to your personal data (commonly known as a "subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
• Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
• Request erasure of your personal data in certain circumstances. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request. 

• Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) as the legal basis for that particular use of your data (including carrying out profiling based on our legitimate interests). In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your right to object.

• You also have the absolute right to object any time to the processing of your personal data for direct marketing purposes (see OPTING OUT OF MARKETING in paragraph 4 for details of how to object to receiving direct marketing communications).
• Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
• Withdraw consent at any time where we are relying on consent to process your personal data (see the table in section 4 for details of when we rely on your consent as the legal basis for using your data). However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.
• Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in one of the following scenarios:

  • If you want us to establish the data's accuracy;

  • Where our use of the data is unlawful but you do not want us to erase it;

  •  

    Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or

  • You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
  If you wish to exercise any of the rights set out above, please contact us see Contact details (paragraph 10)
  

If you choose not to give personal information

If you choose not to give us your personal information, it may mean that we cannot perform services needed to run your Cards and/or Accounts. It could mean that we cancel your Card, Accounts or services you have with us.

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

10. Contact details

If you have any questions about this privacy policy or about the use of your personal data or you want to exercise your privacy rights, please register your request here or contact us in the following ways:

· Email address: PPT.DPO@edenred.com 

· Postal address: PO Box 3883, Swindon SN3 9EA

11. Complaints

If you wish to raise a complaint on how we have handled your personal information, you can contact our Data Protection Officer. We hope that we can address any concerns you may have, but if we fail to address your complaint you can contact either the:

• Information Commissioner’s Office (https://ico.org.uk/) if you are a United Kingdom resident; or
• Data Protection Authority (https://www.privacycommission.be) if you are an EEA resident.

12. Changes to the privacy policy and your duty to inform us of changes

We keep our privacy policy under regular review. This version was last updated on October 2025.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us, for example a new address or email address.

13. Third-party links

This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.