Privacy Policy & Notice
How Filter Group Limited collects, uses, and safeguards your personal data when you visit our website, join our waiting list, or use our mobile application.
Data Protection by Design
We prioritize security and privacy across all our financial products, strictly adhering to UK GDPR and the Data Protection Act 2018.
End-to-End Encryption
Your sensitive information and credentials are encrypted using industry-standard protocols both in transit and at rest.
Full Transparency
We never sell your personal data. We only process information required to deliver, improve, and secure our banking services.
1. Who We Are
Filter Pay is operated by Filter Group Limited ("Filter", "we", "us", or "our"), a company incorporated in England and Wales under company number 17280022, with its registered office located at:
Office 8, Post And Packing, 17 Windmill Street
Gravesend, United Kingdom, DA12 1AS
Under the UK General Data Protection Regulation ("UK GDPR") and the Data Protection Act 2018, Filter Group Limited acts as the Data Controller responsible for your personal information.
2. Personal Data We Collect
Depending on how you interact with our services, we may collect, use, store, and transfer different kinds of personal data:
- Identity & Contact:
Full name, email address, phone number, and postal address.
- Device & Technical Data:
Operating system (iOS/Android), IP address, browser type, and device identifiers.
- Preferences & Interests:
Interests in cards, rewards, international transfers, and early testing choices.
- Marketing & Communications:
Consent records for launch notifications, newsletters, and product updates.
3. Legal Bases for Processing
We process your personal information only when lawful grounds exist under Article 6 of the UK GDPR:
Consent
Where you have granted explicit consent, such as registering for our early access waiting list or opting into optional marketing updates. You may withdraw consent at any time.
Performance of a Contract
Processing necessary to deliver our card, cashback, payment, or banking services agreed upon in our Terms of Service.
Legal & Regulatory Compliance
Obligations under UK banking, anti-money laundering (AML), know-your-customer (KYC), and tax compliance legislation.
Legitimate Interests
To prevent fraud, protect cybersecurity, enhance network resilience, and improve our services without overriding your fundamental rights.
4. How We Share Your Information
We do not sell, rent, or trade your personal data. We may share your information strictly with trusted third parties under binding data processing agreements:
- Payment partners & schemes: Licensed payment network partners and issuing banks to enable card transactions.
- Cloud infrastructure: Secure cloud hosting, database, and telemetry providers located in the UK and EEA.
- Identity & fraud prevention agencies: To verify your identity and protect against financial crime.
- Regulatory authorities: Law enforcement, the Financial Conduct Authority (FCA), or HM Revenue & Customs (HMRC) where required by statute.
5. Your Legal Rights Under UK GDPR
Under UK data protection laws, you possess statutory rights regarding your personal information:
Right of Access
Request a copy of the personal data we hold about you.
Right to Rectification
Request correction of incomplete or inaccurate data.
Right to Erasure
Request deletion of personal data where no legal override applies.
Right to Object
Object to processing based on legitimate interests or direct marketing.
To exercise any of these rights, please email us directly at privacy@filterpay.co. We aim to respond to all valid requests within one calendar month.
6. Data Retention & Security
We retain your personal data only for as long as necessary to fulfil the purposes for which it was gathered, including satisfying statutory legal, regulatory, tax, accounting, or reporting requirements (typically up to 6 years following account closure for regulated financial records). We apply strict technical and organisational measures to safeguard against unauthorized access, loss, alteration, or disclosure.
Questions or Data Requests?
Our Data Protection Officer and Privacy Team are ready to assist you.