You may have concerns about the security of your money on the internet or how your personal information is protected from misuse. This section explains our web security for our website, the measures we take to protect your data and what you can do to protect yourself from online fraud.
What we do
Our systems operate on 256-bit secure encryption. Look for the yellow padlock symbol in your browser status bar.
A team of independent security experts regularly tests our website.
Your session will time out after 15 minutes of keyboard inactivity.
Your log-in ChoiceCard account will be locked out after three failed access attempts. You will need to call us to reset your ChoiceCard account.
We will verify your identity before disclosing confidential information over the telephone or re-setting your password.
We do not guarantee our website will be fault free and do not accept liability for any errors or omissions that occur.
Your Username and Password
On registering your ChoiceCard account with us, you will have a username and password which must be used in order to access certain restricted parts of the Site. Your username and password are used by us to identify you and so are very important. You are responsible for all information posted on the Site by anyone using your username and password. As soon as you become aware or suspect someone else is using your username and password you should notify us immediately.
What you should do
Never reveal your password to anyone or write it down.
Do not use a password that could be easily guessed by someone else.
Change your password immediately if you suspect someone else could know it.
Log off when you have completed your transaction.
Keep your PC updated with current anti-virus software and the latest browser versions.
Do not send us any confidential ChoiceCard account information via email.
Treat emails you receive with caution. Remember we will never ask you to disclose your personal or ChoiceCard account information to us by email.
We recommend that you regularly visit the www.banksafeonline.org.uk website to keep up to date with tips to protect yourself from the latest scams.
All forms and online ChoiceCard account pages, i.e. those pages that show your information, use 256-bit encryption. Encryption makes your information unreadable to anyone who might intercept it. In addition, a Secure Sockets Layer (SSL) is used to connect your browser to our secure servers.
All available browsers (e.g. Chrome 33, Firefox, Internet Explorer 11) support 256-bit encryption. Some browsers older than this support lower levels of encryption (128-bit) but they still remain extremely secure. You should note that ordinary email is not secure.
Please do not send us any confidential information via email. We will only use email to send you ChoiceCard account information such as your ChoiceCard account balance and transaction information or special offers if you have given your consent for us to do so. We will not use email to send other confidential personal information to you. We cannot accept any responsibility for the unauthorised access by a third party and/or the corruption of data being sent by individuals to us.
It is our policy that if any of our customers are victims of unauthorised access to their ChoiceCard accounts, and provided that you have not breached our security procedures, acted fraudulently or without reasonable care, we will cover any direct financial loss which you may have suffered.
Secure Socket Layer (SSL)
A Secure Socket Layer is a commonly used method of managing the security of messages transmitted across the Internet and is used by us to connect your computer to our secure server. You can tell that SSL is in use when a small padlock icon appears on your browser address bar. If you have problems getting to secure mode, install one of the latest browsers and try the site again.
Which browser do I need to view this site?
Our site has been designed to work with a variety of browsers on either Apple Macintosh computers or Windows based PCs. It will run on versions 9 and later of Microsoft Internet Explorer, as well as Chrome 30 and Firefox 27. If you are using an older browser such as Internet Explorer 8, Chrome 17 or Firefox 10, you will be able to view the information pages but you may not be able to apply for a Card or access your ChoiceCard account information. To make an application online we recommend you upgrade to the latest versions.
How do I change my screen resolution?
We recommend viewing this site with a screen resolution of 1280×768 or above. To change the screen resolution depends on the operating system you use. Please consult your operating system manual for instructions.
Do I need plug-ins?
Plug-ins are additional software programs required by some sites to make them work properly. An example is Flash Player from Macromedia. Our site does not need any plug-ins to work effectively.
Internet cookies are common and do not harm your system – they are small text files placed on your computer by a web browser, which has been sent to you by a web server, and they just store or gather site information. It is essentially an identification card relating to you. They help you do things online, like remembering your log-in details so you don’t have to re-enter them when revisiting a site.
Gather customer journey information across our site;
Ensure your privacy in our secure sites;
Store log-in details for our secure sites;
Temporarily store details input into our calculators, tools, illustrations and demonstrations;
Store details of your marketing, product and business unit preferences to improve our targeting and enhance your journey through our sites;
You can disable cookies from your computer system by following the instructions at www.allaboutcookies.org but if you do not accept incoming cookies then the performance of our Site on your system may not be to the full standard or our Site may not serve you at all.
You may receive an email claiming to be from us or IDT Financial Services Limited (who is the issuing bank and e-money licence holder) with a link to what appears to be our or IDT’s website, where you are prompted to enter your personal and ChoiceCard account details. We are in no way involved with this email and the website does not belong to us or IDT Financial Services Limited.
We will never send emails to customers requesting security or any other confidential information. Do not reply to any such emails or disclose any personal information in these websites. If you think you have received a fraudulent email that looks like it is from us or IDT Financial Services Limited, forward the entire email including the header and footer to email@example.com and then delete it from your email account.
When you apply for a product or service from us (or one of our partners), you will be asked for personal information that is needed to process your application. The information that you provide will only be used for the purposes described at the time of your application and as outlined in our Terms and Conditions that apply to the relevant Card product or service. We will also collect, store and process your personal information on our computers to;(a) personalise aspects of our overall service to you; or (b) communicate with you; or (c) learn from the way you use and manage your ChoiceCard account (s), for example from the transactions you make and from the payments which are made to your ChoiceCard account.
We will use your personal information to manage your ChoiceCard account (s), and provide our services, for assessment and analysis and to develop and improve our services to you. If you do not want to receive information about our products and services, please call Customer Care at +44 (0) 3300 55 55 90, or by email at firstname.lastname@example.org
We will not disclose any such information outside of Tuxedo except:
to fraud prevention agencies and other organisations who may use the information to prevent fraud and money laundering;
to persons acting as our agents under a strict code of confidentiality;
to anyone to whom we transfer or may transfer our rights and duties under our Card terms and conditions with you;
as required by law or regulation;
for such purposes that you have given us consent to do so, e.g. marketing third party products and/or services.
If we transfer your information to a service provider or agent in another country outside the European Union, we will make sure that the service provider or agent agrees to apply the same levels of protection as we are required to apply to personal information held and processed in the UK and to use your information only for the purpose of providing the service to us.
Data Protection Principles
Tuxedo MoneyPlus Limited complies with the principles of the Data Protection Act 1998 and the Privacy and Electronic Communications (EC Directive) Regulations 2003. The eight principles relating to the processing of personal information are:
Fairly and lawfully processed.
Processed for a limited time.
Not kept longer than necessary.
Processed in accordance with your rights.
Not transferred to countries without adequate protection.
Your privacy and security is of utmost importance to us. We will always follow these principles and ask you how you would like us (or our partners) to communicate with you. The Information Commissioner regulates compliance with the Data Protection Act. See details at end of contact page.
Why we collect your data?
By collecting your data, it allows us to understand what your needs and wants are, provide personalised content and match the most relevant adverts and services for you. It also allows us to provide many great, targeted reader offers and services that we know you may be interested to hear about.
Who is the data controller?
When you provide personal information in your Card application, IDT Financial Services Limited and Tuxedo Money Plus Limited are the data controllers. If another company is the data controller, this will be made clear when you provide your personal information.
How do we use personal data
The data controller will use your information together with other information to run your ChoiceCard account administration (including providing any goods, services or information you have requested), marketing, customer services and profiling your purchasing preferences. We will disclose your information to our service providers and agents for these purposes.
By submitting your Card Activation Form with your personal information to us, you consent to our transferring your information to countries, which do not provide the same level of data protection as the UK if necessary for the above purposes. If we do make such a transfer, we will put a contract in place to ensure your information is protected.
When you give us your personal information, we will give you the opportunity to opt out of receiving communications by post or telephone from us but remember that this will stop you from receiving any of our special offers or promotions in future. We will also give you the opportunity to opt in to receive such information by email or SMS and will only send it to you if you do opt in or if you are an existing customer and the information relates to similar goods or services to those, which you have previously purchased from us.
You may also exercise your right to opt out of the use of your information for marketing purposes at any time by contacting us by the methods explained at the end of this notice. Your personal information will be disclosed where we are obliged or permitted by law to do so. If you post or send offensive or objectionable content anywhere on or to any of our websites or otherwise engage in any disruptive behaviour on any of our websites, we can use whatever information that is available to us about you to stop such behaviour. This may involve informing relevant third parties and law enforcement agencies about the content and your behaviour.
We will never supply your information to a third party unless you tell us to. If we share your information with organisations who are our business partners, they may contact you by mail or telephone to let you know about any goods, services or promotions, which may be of interest to you. In order for us to do this you will have to ‘opt-in’ at the point where you give us your details. We will never supply your information to a third party for marketing purposes if you tell us not to.
You can exercise your right to stop any marketing offers and the use of your information being supplied to a third party, for marketing purposes at any time, by contacting us by the methods explained at the end of this notice.
When you register online you can see, review and change your personal information by logging onto the Site and going to “My Profile or equivalent”. Please ensure you update your personal information if it changes or is inaccurate. Should you request that your ChoiceCard
When you request to be removed from further marketing offers, you will be added to a suppression list to ensure your request is complied with. All personal data is processed in line with the requirements of the Data Protection Act 1998 and The Privacy and Electronic Communications (EC Directive) Regulations 2003.
You have a right to ask for a copy of your information (for which we charge a small fee) and to ask us to correct any inaccuracies in your personal information (which is free). To make sure we follow your instructions correctly and to improve our service to you through training of our staff, we may monitor or record telephone calls.
When you give us information about another person, you confirm that they have appointed you to act for them, to consent to the processing of their personal data, including sensitive personal data and to the transfer of their information abroad and to receive on their behalf any data protection notices.
Notifications of changes
How to contact us
By email: email@example.com
By telephone: +44 (0)3300 55 55 90
By mail: Data Protection Enquiries, Data Protection & Compliance Officer, PO Box 3753, Chester, CH1 9UH
General information about data protection may be found at:
Information Commissioner’s website: http://www.ico.gov.uk/
Direct Marketing Association: www.dma.org.uk
The ChoiceCard is issued by IDT Financial Services Limited pursuant to licence from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. IDT Financial Services Limited is a regulated bank, licensed by the Financial Services Commission, Gibraltar under the Financial Services (Banking) Act 1992. Registered Office: 57-63 Line Wall Road, Gibraltar. Registered No. 95716. All communications should be sent to ChoiceCard, PO Box 3753, Chester, CH1 9UH
©2015 UBT (EU) Ltd
ChoiceCard, PO Box 3753, Chester, CH1 9UH