This Privacy Policy explains how Discover Bank Global Management plc collects, uses, stores, and protects your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
1. Who We Are
Discover Bank Global Management plc is the data controller responsible for your personal data.
2. What Information We Collect
We may collect the following types of personal information:
- Full name and date of birth
- Contact details including email address, phone number, and postal address
- Government-issued identification documents
- Financial information including bank account details and transaction history
- Login credentials for online and mobile banking
- IP address and browser information when you visit our website
- Cookie data and website usage information
- Communication records including emails and phone calls
3. How We Use Your Information
We use your personal data for the following purposes:
- To open and manage your bank account
- To process transactions and payments
- To verify your identity in compliance with UK regulations
- To provide customer support and respond to enquiries
- To detect and prevent fraud and financial crime
- To comply with legal and regulatory obligations
- To send you important account notifications and updates
- To improve our website and banking services
4. Legal Basis for Processing
We process your personal data under the following legal bases as defined by UK GDPR:
- Contract: Processing necessary to provide our banking services
- Legal Obligation: To comply with UK financial regulations and laws
- Legitimate Interests: To prevent fraud and improve our services
- Consent: Where you have given us specific permission to process your data
5. Cookies
Our website uses cookies to improve your browsing experience. Cookies are small text files stored on your device. We use:
- Essential Cookies: Required for the website to function properly
- Analytics Cookies: To understand how visitors use our website
- Translation Cookies: Used by Google Translate to remember your language preference
You can control cookies through your browser settings at any time.
6. How We Share Your Information
We do not sell your personal data. We may share your information with:
- Regulatory authorities such as the Financial Conduct Authority (FCA)
- Law enforcement agencies when required by law
- Trusted third-party service providers who assist in delivering our services
- Credit reference agencies for identity verification purposes
All third parties are required to handle your data securely and in accordance with UK GDPR.
7. How Long We Keep Your Data
We retain your personal data for as long as necessary to provide our services and comply with legal obligations:
- Account data: For the duration of your account plus 7 years after closure
- Transaction records: 7 years as required by UK financial regulations
- Website data and cookies: Up to 2 years
- Communication records: Up to 3 years
8. Your Rights Under UK GDPR
You have the following rights regarding your personal data:
- Right to Access: Request a copy of your personal data
- Right to Rectification: Correct inaccurate or incomplete data
- Right to Erasure: Request deletion of your data in certain circumstances
- Right to Restrict Processing: Limit how we use your data
- Right to Data Portability: Receive your data in a portable format
- Right to Object: Object to processing based on legitimate interests
- Right to Withdraw Consent: Withdraw consent at any time
To exercise any of these rights, please contact us at officesupport.mlaj@gmail.com
9. Data Security
We take the security of your personal data seriously. We implement appropriate technical and organisational measures including:
- 256-bit AES encryption for all data transmission
- Secure Socket Layer (SSL/TLS) technology
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Staff training on data protection and security
- Physical security measures at our London offices
10. Complaints
If you are unhappy with how we handle your personal data, you have the right to lodge a complaint with the UK Information Commissioner's Office (ICO):
- Website: ico.org.uk
- Phone: 0303 123 1113
- Address: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the updated policy on our website with a new effective date.
We encourage you to review this policy periodically to stay informed about how we protect your information.
12. Contact Us
If you have any questions about this Privacy Policy or how we handle your personal data, please contact us: