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Scope#
This Policy applies to personal data processed by BINK when you visit our sites, create an account, hold a balance, make a payment, or contact support. It covers personal and business accounts alike.
Where a partner institution is the data controller for a specific product, that partner's notice applies to the data it controls; we tell you at the point of sign-up.
Data we collect#
We collect data you give us, data generated by your use of the service, and data we receive from third parties such as identity providers and payment networks.
- Identity — name, date of birth, nationality, identification documents.
- Contact — email address, mobile number, postal address.
- Financial — balances, transactions, counterparties, card details.
- Technical — device, browser, IP address, session and security signals.
- Support — messages, call recordings and case notes.
We do not collect special-category data unless it appears in a document you submit for verification, in which case it is used only to confirm your identity.
How we use data#
Data is used to open and operate accounts, execute payments, detect fraud, meet legal obligations, provide support, and improve the reliability of the platform.
We use automated checks to screen payments and detect unusual activity. Where an automated decision materially affects you, you may request human review.
Legal bases#
| Purpose | Legal basis |
|---|---|
| Operating your account | Performance of a contract |
| Identity verification and screening | Legal obligation |
| Fraud prevention | Legitimate interests |
| Product analytics | Legitimate interests |
| Marketing messages | Consent |
You can withdraw consent for marketing at any time without affecting other processing.
Sharing#
We share personal data with payment networks and issuing partners, identity and fraud-prevention providers, cloud and communications processors, professional advisers, and regulators or law enforcement where legally required.
We do not sell personal data, and we do not share it with advertisers for their own purposes.
International transfers#
BINK operates globally, so data may be processed outside your country. Transfers rely on adequacy decisions or standard contractual clauses, supported by encryption in transit and at rest.
Retention#
Account and transaction records are retained for the period required by financial regulation, typically five to seven years after the relationship ends. Support records are kept for two years. Technical logs are kept for up to twelve months.
Your rights#
Depending on your jurisdiction you may request access to your data, correction of inaccuracies, deletion, restriction, portability, or object to processing based on legitimate interests.
- Submit a request from the application or by email.
- We verify your identity to protect your data.
- We respond within one month, or tell you why more time is needed.
Controller — the party that decides why and how personal data is processed. For most BINK services, that party is BINK.
Contact#
Write to our Data Protection Officer through the support channel in the application. If you are not satisfied with our response, you may complain to your local supervisory authority.
We publish a summary of material changes to this Policy, with at least 30 days’ notice before they take effect.