Certain spending limits apply to your card which are highlighted below.
Max load value allowed per year
Max load value allowed per month
Max number of loads per month
Max balance allowed at any given time
Min load value allowed per individual load
Max value allowed per load
Max number of loads allowed per day
Max load value per day
Max daily ATM withdrawal in the UK for UK customers
Max ATM withdrawal allowed in a year
Max ATM withdrawal allowed per month
Max number of ATM transactions allowed per month
Max ATM withdrawal value allowed per day
Max ATM withdrawal value allowed in a single transaction
Min ATM withdrawal value allowed per single transaction
Max number of ATM transactions allowed per day
POS / Online
Max purchase value allowed per year
Max purchase value allowed per month
Max number of purchases allowed per month
Min purchase value allowed per individual transaction
Max purchase value allowed per individual transaction
Max number of purchases allowed per day
Max purchase value per day
Are there any fees for using my card?
There are no application or monthly fees for using your card, and spending abroad on your card is free for certain transactions and subject to our fair usage policy. However, some fees apply for certain transactions which are illustrated below.
Domestic ATM withdrawal
International ATM withdrawal
ATM enquiry (free with app)
Dynamic SWAP at ATM or POS from GBP or EURO to other currencies
Decline at ATM
Decline at POS
Bank account loading
Cost to load from a debit card
Cost to load from a credit card
Domestic POS transaction usage
International POS transaction usage
Monthly maintenance fee
Card replacement fee
Cost to reverse a transaction
Card to card transfer
We are committed to protecting and respecting your privacy.
This policy sets out:
How we collect and use the personal data you submit to www.swapx.co.uk. 2. Your options with respect to our use of your personal data and how you can access and update this information (see "Your rights" section for more details).
INFORMATION WE MAY COLLECT FROM YOU
We may collect and process the following data about you provided at the time of requesting goods, services or information from us:
Information that you provide to us by completing forms on our site www.swapx.co.uk and mobile applications ("Our Site"). This includes contact information such as name, home address, email address, mailing address, phone number, date of birth; unique identifiers such as user ID and password; and preferences information.
Information that you provide to us when you write to us (including by email). • Information that you provide to us when we speak to you by telephone. We may make and keep a record of the information you share with us. • Information that you provide to us by completing surveys. • Details of transactions you carry out through Our Site and of the fulfilment of your orders.
As is true of most web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, to analyse trends, to administer Our Site, to track users’ movements around Our Site and to gather demographic information about our user base as a whole.
HOW WE USE YOUR INFORMATION
We may use your information as follows:
To carry out our obligations arising from (i) legal obligations and/or (ii) any contracts entered into between you and us to provide information, products or services that you have requested and notify you about changes to our goods and services. • To send you information, products or services that may be of interest to you. • To present content from Our Site in the most suitable way for you and your device.
Please contact us on email@example.com if you do not want your data used in one or more of the ways described above. There is further guidance on this in the ‘Your Rights’ section of this policy.
Full details of these purposes are set out in our notification to the Information Commissioner's Office under the UK Data Protection Act 1998.
DISCLOSURE OF YOUR INFORMATION
We may also disclose your personal data to third parties in the following situations:
If we sell or buy any business or assets, we may disclose your personal data to the prospective seller or buyer of such business or assets. We will notify you of any change in ownership or uses of your personal data, as well as any new choices regarding your personal data, by email or prominent notice on Our Site. • If SWAPX Ltd or substantially all of its assets are acquired by a third party, the personal data held by it about its customers will be one of the transferred assets. • If we are, or believe that we are, under a duty to disclose or share your personal data to comply with any legal obligation; or permitted by law to enforce or apply our Terms and Conditions of Website Use and other agreements; or to protect the rights, property, or safety of us, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction. •
We may provide your personal data to companies that provide services to help us with our business activities such as processing payments.
You have the right to access information that is held about you. We will take reasonable steps to verify your identity before providing copies of any relevant materials in order to protect your privacy and security.
You may be entitled to ask us:
to amend or delete your information; • for a copy of your information; • to transfer some of this information to other organisations; • to restrict or stop the processing of information; • to withdraw consent (where we have previously asked for your consent to process your data)
In some situations – for example, where we can prove a legal right to process your data – your rights may be limited. In some cases, we may be able to retain your data even if you withdraw your consent. Where we require information to comply with legal or contractual obligations, then provision of such data is mandatory: if such information is not provided, then we will not be able to meet obligations placed on us or manage your transactions on Our Site. In all other cases, provision of requested information is optional.
In the interests of transparency, we are happy to answer any queries relating to how we process your information and resolves any complaints you may have. You are entitled to raise any matter with the relevant data protection authority, but we encourage you to approach us first.
How to exercise your rights
You can correct, change or delete your information in your ‘Account Settings’ page. You can stop receiving our emails by following the unsubscribe instructions included in these emails or accessing the email preferences in your ‘Account Settings’ page. Or to access any of the other above rights, email firstname.lastname@example.org
HOW LONG WE RETAIN YOUR INFORMATION
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements, which in some cases involving the collection and processing of financial data may require a retention period of 7 years (or longer if required by law).
COOKIES and Other Tracking Technologies
HOW WE STORE, PROCESS AND SECURE YOUR INFORMATION
The data that we collect from you may be transferred to, and stored at, a destination inside or outside the European Economic Area ("EEA"). It may also be processed by staff operating inside or outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your orders, the processing of your payment details and the provision of support services. Access to your information is limited to those who have a need to manage it. Where your information is transferred from the EEA to a country that is not subject to an adequacy decision by the EU Commission, we will seek to ensure that it is adequately protected by (i) ensuring that EU Commission approved standard contractual clauses, an appropriate Privacy Shield certification or a vendor's Processor Binding Corporate Rules are in place or (ii) relying on derogations (e.g. contractual necessity). A copy of the relevant mechanism can be provided for your review on request, using the contact details provided below.
We use secure servers to store all information you provide to us via email or Our Site. The password you choose upon registration will grant your access to certain parts of Our Site and mobile application. You are responsible for keeping this password confidential. We ask you not to share your password with anyone. The security of your personal data is important to us. When you enter sensitive on Our Site, we encrypt the transmission of that information using secure socket layer technology (SSL).
We follow generally accepted standards to protect the personal data submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on Our Site, you can contact us on email@example.com
ADDITIONAL PRIVACY INFORMATION
Blog / Discussions
Our Site offers a publicly accessible blog and community discussions. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal data from our blog or community discussions, contact us at firstname.lastname@example.org. In some cases, we may not be able to remove your personal data, in which case we will let you know if we are unable to do so and why.
If you choose to use our referral service to tell a contact about Our Site, we will ask you for your contact’s name and email address. You must have consent from your contact to provide this information to us. We will automatically send your contact a one-time email inviting him or her to visit the site. Our Site stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. Your contact may contact us at email@example.com to request that we remove this information from our database.
Links to 3rd Party Sites
Our Site may, from time to time, contain links to and from the websites of our suppliers, partner networks, advertisers, affiliates and other third parties. If you follow a link to any of these websites, please note that these websites should have their own privacy policies and we do not accept any responsibility or liability for these policies or the content or operation of these websites. Please check these policies and the terms of the websites before you submit any personal data to these websites.
You can log in to Our Site using the sign-in service such as LinkedIn, Facebook and Google. These services will authenticate your identity and provide you the option to share certain personal data with us such as your name and email address to pre-populate our sign-up form. Services like LinkedIn, Facebook and Google may give you the option to post information about your activities on Our Site to your profile page to share with others within your network.
In the event that you wish to see a copy of all of your Personal Data held by us, please write to:
The Data Protection Officer - firstname.lastname@example.org
The competitions that we run are subject to the following rules (unless otherwise specified):
Prizes are subject to availability
No purchase is necessary.
Only one entry is permitted per registered user via online route of entry, and no bulk or third party entries are permitted. We shall disqualify any entries which, in our reasonable opinion, appear to have used any of these entry methods including multiple entries from the same IP address or telephone number, unless the Specific Rules state that multiple entries are permitted. Competitions are open to all UK residents (over the age of 18 in alcohol, tobacco or travel-related competitions, and in other cases as stated) except our employees, the companies or organisations with whom the competition or offer is being run, their agents, or anyone directly connected with the promotion.
Proof of entry will not be accepted as proof of receipt of entry. SWAPX Ltd and any associated promoters, bear no responsibility for any entry which is incorrectly submitted, lost, damaged, incomplete or received after the closing date.
We reserve in all cases the right to replace the stated prizes with other prizes that we consider to be of broadly equivalent value. We offer no cash alternative for non-cash prizes, and prize winners must accept prizes in the form offered. Prizes are not refundable or transferable.
The winner may be required to sign a statement proving their eligibility/liability.
The closing date for receipt of entries is as stated for each individual competition. The winner(s) will be drawn at random from all valid entries, and will be notified by email or phone within two weeks of the closing date.
Should the Promoter be unable to contact a winner within 14 days or otherwise specified of the closing date, or if a winner is unable to accept the prize, the Promoter reserves the right to award the prize to an alternative winner, drawn in accordance with these terms and conditions.
All entrants to competitions and offers are deemed to have accepted these rules and agree to be bound by them, and agree to co-operate in any publicity that may arise which may include their name or image being used on websites, magazines or mobile services at any time as a result of the competition.
We reserve the right to disqualify or not award a prize to an entrant who in our opinion has not entered in to the spirit of these terms and conditions or the intention of the competition.
Suppliers cannot be held responsible for the breakdown in communication systems that may result in a entry not being registered.
The decision of the judges is final and no correspondence will be entered into.
Winners will be selected at random from all correct entries.
Prizes cannot be exchanged or refunded and there is no cash alternative. The prize is non-transferrable.
The promoter of any of our competitions reserves the right to exchange all of part of the prize to that of equal or greater value.
If you do not wish to receive details of future related offers from SWAPX and selected third parties please inform us along with your name and address in writing to: SWAPX Ltd, 91 Brick Lane, London E1 6QL or contact email@example.com.