We’re Gould Wallet Limited (‘we’, ‘our’, ‘us’) and operate under the name Gould Wallet.

This notice explains how and why we use your personal information when you open an account and use our App, or services for account holders on gouldwallet.app

For information about what cookies are and how we use them, please read our Cookie Notice.

 How you contact us

If you have any questions about these Terms and Conditions, reach us on any of this channels:

Talk to a Consultant: Talk to us in our Application, we are always available to help.

Email us: info@gouldwallet.com

Send us a Mail: Office 15, Woodfield Business Centre Carr Hill, Doncaster, DN4 8D, United Kingdom.

 How we contact you

We primarily like to contact you in our Gould Wallet  App, we also contact you via  Email, phone or  mail to your home address.

 Your Rights

Your have the right to:

• Access the personal data we hold about you, or to get a copy of it
• Ask for a copy of your personal data in a portable (machine-readable) format or make us send it to someone else;
• Make us correct inaccurate data;
• Withdraw any consent you’ve given us;
• Ask a member of staff to review an automated decision

To do any of these things, please get in touch using the details above

 Where we store or send your data

We may store the data we collect from you outside the UK, or transfer it to organisations outside the UK. When we do this, we make sure that your data is protected and that:

• The Information Commissioner (ICO) has deemed the country or organisation to provide an adequate level of protection for personal data; or
• We’ve agreed specific contracts approved for use in the UK which give personal data the same protection it has in the UK

If you’d like more information on how we transfer your personal data out of the UK, please get in touch by email info@gouldwallet.com

 Who we share your data with

We use your data in line with our terms and conditions, which includes the potential consequences of third parties using your data. Please refer to “The information we hold about you, and how we use it” section for further information.

 How to make a complaint

If you have a complaint about how we use your personal information, please contact us through the App or send an email to info@gouldwallet.com and we’ll do our best to fix the problem.

You can also reach our DPO at info@gouldwallet.com. Simply refer the email to DPO.

If you’re still not happy, you can refer your complaint to the ICO’s Office, the UK regulator for data protection issues. For more details, visit their website www.ico.org.uk.

 Changes to this notice

We’ll post any changes to our privacy notice on this page and if they’re significant changes we’ll let you know by email or in the App.

 Customer Accounts

The information we hold about you, and how we use it. The Information you give us through the Gould Wallet App when you sign up for a Gould Wallet account

• Details you give us when you sign up to use gould Wallet services
• Details you give us which we pass to our partners who offer their serivces through us
• Information you give us through in-app chat and emails; and
• Answers you give to surveys about Gould Wallet and our services

 When you sign up for, or use, our services

• Details you give us when you sign up for a specific service, like your National Identification Number if you are apply for a Nigerian passport or Bank Verification Number
• Details you give us which we pass to our partners when you let us know you’re interested in their services express passport or visa, visa on arrival or international driver’s license
• Information you give us through in-App chat and emails; and
• Answers you give to surveys about Gould Wallet and our services

 Information we collect or generate if you get in touch

• If you contact us another way (not using in-App chat), we collect the following information so we can help:
• Your location, I.P address and device information,and information you give us during the call
• The email address you use and the contents of your email (and any attachments); and
• Public details from your social media profile (like Facebook, Instagram or Twitter) if you reach out to us via these platforms, and the contents of your messages or posts to us

 Information we collect or generate when you use the App and our services

We collect information about how you use the App to help improve features. This includes:

• Details about services from us and our partners that you show interest in;
• Details about how you use our App; and and device you use to access our App

 Information we collect from your phone

We collect this information to keep your data safe and to improve features for you. This includes your:

Mobile network and operating system, so we can analyse how our App works and fix any problems;

• IP address and device ID (we’ll link your mobile number with your device);

 Information we get from external sources

If you provide your information for a service, the information will be shared with the partner that offers the service, this can be a company or a government agency that Gould Wallet partners with, they will provide your information to us so that we can identify if your data already exists. The details of which will get back and forth through a single channel. If you sign up to a service from one of our partners through the Gould Wallet App, they may share details with us about your past data.

 Our reasons for using your information

Data protection laws say we need to have a lawful basis for using your personal data. At least one of the following must apply:

• Contractual or legal duty
• Legitimate interest
• Public interest
• Vital individual interest

Consent

In this section we explain which one we rely on to use your data in a certain way.

 We need to use your data for a contract we have with you, or to enter into a contract with you

We use details about you to:

• Consider your Application;
• Give you the services we agreed to in line with our terms and conditions;
• Send you messages about your account and other services you use if you get in touch, or we need to tell you about something;
• Investigate and fix complaints and other problems

 We use your data to comply with the law, by:

• Confirming your identity when you sign up or get in touch;
• Keeping records of information we hold about you in line with legal requirements;
• Adhering to local and international laws and regulations (these mean we sometimes need to share customer details with regulators, law enforcement or other third parties);

 When it’s in our ‘legitimate interest’

We need to use your data for our legitimate interests, or those of a third party. This means using data in a way that you might expect us to, for a reason which is in your and/or our (or a third party’s) interest and which doesn’t involve overriding your privacy rights.

 Product development and marketing

We don’t sell any of your information. We:

• Tell you about products and services through the App or other channels, like social media companies, based on how you use our products and services and other information we hold about you;
• Track, analyse and improve the services we give you and other customers and how you respond to ads we show;
• Ask for feedback if you’ve shown interest in a service. We do this so that we can make our products better and understand how to market them;
• Use the personal information you share with us and data you create from using the App to suggest Gould Wallet features or products you’d find useful. If you don’t want us to do this, you can opt-out in the App;

 Special features

We:

• Check your record to notify you that your passport, driver’s license, gas license, oil license, business license, or CAC may be due for renewal (upcoming).

 Security and business management

We:

• Protect the rights, property or safety of our business, our customers or others;
• Carry out security and maintenance checks to make sure our App, website and other services run smoothly for you;
• Manage Gould Wallet’s business risk and finances, and protect our customers and staff;

 Companies that give services to us

We share your information with companies so they can help us provide our services, we link our partners information to each services they provide for you in order for you to learn about them before, during or after using the service.

 When we ask for your consent

We’ll ask for your consent to:

• Record any issues you want us to know about so we understand how to best support you
• Tell you about our, or our partners, products and services by email or push notification if we think they’re of interest to you. You can unsubscribe from these by email or in the app.
• Show your profile picture in the app if you add one;
• Share information about you with companies we work with when we need your permission (see ‘Who we share your data with’)

You don’t have to share information about yourself. But if you don’t, you may not be able to use some, or any, of our services.

 Our reasons for using special category information

We may need to process sensitive information about customers that data protection laws call ‘special category’ data. This is information that can reveal a person’s:

• Racial or ethnic origin
• Political opinions
• Trade union membership
• Genetic or biometric data (if used for identification purposes)

Data protection laws say we need a second lawful basis to use special category data. This can be: explicit consent, exercising legal rights in connection with an employment relationship, protecting vital interests, establishing, defending or exercising legal claims or reasons of substantial public interest. In this section we explain which lawful basis we rely on to use your special category data in a certain way.

 It’s necessary to protect your, or another person’s, vital interests

We may share information about you externally (generally with law enforcement in an emergency), if it’s necessary to protect your or another person’s life and you cannot consent.

 We have your explicit consent

We record any issues you want us to know about relating to your health, so we understand how to best support you.

 Who we share your data witht

Companies that give services to us

Here we mean companies that help us provide services you use, and need to process details about you for this reason. We share as little information as we can and encrypt and/or make it impossible for the recipient to identify you where possible (for example, by using a User ID rather than your name). These are:

• Card producers and networks, like MasterCard;
• Card processing partners;
• Cloud computing power, storage and software providers;
• Our business intelligence and analytics platform provider;
• Companies that help us with functional analytics (to help us solve technical problems with the App, for example);
• Companies that help us with marketing (we won’t share identifiable personal data with third parties for their own direct marketing unless you give us permission, and you can opt out any time);
• Software companies that we use to email you, or for processing and storing emails with you;
• Companies that help us with customer support;
• Companies that help us with fraud prevention;
• Companies that print written statements and notices; and
• Companies that manage our CCTV and security if you visit our offices

 Anyone you give us permission to share it with

We tell you in the App when we need your consent to share your data with:

• Companies that introduce their own services via the Gould Wallet App
• Other customers you want to set up joint Gould Wallet accounts with like family accunt;
• Other Apps;
• People you’ve asked to represent you, like solicitors

 Law enforcement and other external parties

We may share information about you with:

• Authorities that spot and stop financial crime, money laundering, terrorism and tax evasion if the law says we have to, or if it’s necessary for other reasons;
• The police, courts or dispute resolution bodies if we have to;
• Local health authorities, such as Adult Social Services, to safeguard your wellbeing;
• Other banks to help trace money if you’re a victim of fraud or other crimes, or if there’s a dispute about a payment; and
• Any other third parties where necessary to meet our legal obligations

 Databases we share your data with

We need to share your details with our cloud computing provider, storage and software providers so that they can help us in providing our services.