Types of personal information collected
Purposes for handling personal information
We handle your personal information in connection with providing, administering, improving and personalizing our products and services. This can include processing payments, delivering orders, managing promotions, providing refunds and discounts, verifying your identity, communicating with you (including direct marketing), conducting product and market research, maintaining and updating our records, dealing with enquiries from you, and working with our service providers and other Access-Card® Holding ApS. companies. Using personal information, we endeavor to improve our understanding of your interests, suitability and behavior in relation to products, services and offers, including conducting risk assessments for financial products (including credit and insurance). We may also handle your personal information to protect our lawful interests and facilitate purchases and potential purchases of our businesses. We may provide marketing communications and targeted advertising to you on an ongoing basis by telephone, electronic messages (eg. email), our digital services and other means. These communications may relate to the products and services we, and other Access-Card® Holding ApS. companies provide, and other products which may be of interest to you. You can send us an email: firstname.lastname@example.org
Sharing of personal information
To make it easy for you to deal with other Access-Card® Holding ApS. companies (including Access-Card® International) and provide you with a more personal and consistent experience, we may exchange and combine personal information with them for the purposes described in our respective privacy policies. We and Access-Card® Holding ApS. may exchange your personal information with service providers engaged to assist with services including data processing, data analysis, information broking, credit reporting, online computing, printing, contact management, legal, accounting, business consulting, marketing, research, auditing, archival, delivery, security, investigation and mailing services, and in the provision of Access-Card®, -branded products and services such as payment cards and insurance. The third parties to whom we disclose personal information may be located in outside Europe. We take steps to ensure that our service providers are obliged to protect the privacy and security of your personal information and use it only for the purpose for which it is disclosed.
Procedures for access, correction and feedback
If you wish to access or correct any personal information we hold about you or have any feedback or concerns about privacy, please contact us as set out below. Where you seek a response from us, we will let you know who will be handling your matter and when you can expect a full response. In the case of access and correction requests, please provide as much detail as you can about the particular information you seek, in order to help us retrieve it. Under the Privacy Act and other relevant laws, we are required to provide our reasons if we refuse your request. Where we decide not to make a requested correction and you disagree, you may ask us to make a note of your requested correction with the information.
Additional privacy information
Any complaints will be handled by our Customer Service team in accordance with the relevant national legislation. In the unlikely event that we cannot resolve the matter, please refer to http://ec.europa.eu/consumers/odr/ for additional assistance and information on online dispute resolution.
Queries regarding privacy should be directed to the Coles Privacy Officer:
Access-Card® International SIA. Email: info (at) access-card.com Post: Baznicas Street 20/22-40, Riga, LV-1010, Latvia Last updated: February 2016
Access-Card® International SIA companies is a part of Access-Card® Holding ApS. Registered in Copenhagen Denmark, company number cvr: 36 93 45 81, Address: Strandvejen 102E, DK-2900 Hellerup, Denmark.
The Anti-Money-Laundering (AML) Policy of Access-Card International
It is the policy of Access-Card International and its affiliates, (hereinafter “Access-Card”) to prohibit and actively pursue the prevention of money laundering and any activity that facilitates money laundering or the funding of terrorist or criminal activities, and as such to follow the standards of the Anti-Money-Laundering and Combating of Terrorism Financing (hereinafter referred to as AML) procedures according to EU directive.
To ensure that this general policy is carried out, management of Access-Card has established and maintains an ongoing program for the purpose of assuring compliance with the relevant laws and regulations and the prevention of money laundering.
Access-Card International SIA is an online European Union based Mastercard Prepaid program manager, with physical address in Riga, Latvia, and registered at the national registrar of commerce in Riga, Registration Number 40103954527, and although Access-Card is not considered a financial company under the Law, we work under our card issuer WaveCrest LLC Financial license, WaveCrest LLC is registered in Gibraltar. Access-Card does however accept to abide by AML rules and practices found in the financial industry and according to EU directives like 2005/60/EC, including but not limited to the Due Diligence and KYC (Know Your Customer) policies.
Access-Card is obliged to perform customer’s due diligence whenever it is required to identify the customer and throughout the duration of the business relationship with the customer. The due diligence includes the following:
– Collection of information to establish purpose and intent for the business relationship
– Identification of the ultimate beneficial owner
– Collection of information necessary for ongoing monitoring of business relationship, including scrutiny of transactions undertaken, throughout the course of the relationship, to ensure that the transactions being conducted are consistent with knowledge of the customer and his/her business and risk profile.
– Examination of the sources of funds in the transaction.
Money Laundering, can be defined as the kind of process in which lawbreakers attempt to disguise the true origin of proceeds generated through criminal conduct, with the intent to avoid prosecution and conviction as well as the risk of confiscating of money or other wrongfully obtained funds. At Access-Card, we are determined to prevent our services from being used by any forms of illegal activities, and will report any suspicious activity accordingly, and to the relevant section of authorities.
As with money laundering, Access-Card will report to the relevant authorities any activities suspected to be connected to the funding of terrorism.