Nedan hittar du Veritas Cards integritetspolicy. Officiellt dokument återgivet i sin helhet.
Klopercom « We » owner of trademark Card Veritas and related Veritas websites. We present you below our privacy policy.
This document sets out Privacy Statement ('P. Terms') of all Veritas website (i.e: cardveritas.com, veritascard.com, veritastravel.com... ) and any sub-domain e.g. onboarding.cardveritas.com (the 'Site'). By accessing this Site, you agree to be bound by the Terms and P.Terms. Before using this Site, you should read the Terms carefully, as well as our Cookie Policy ('Cookie Policy').
In these provisions:
'Content' means all pages, screens, information and materials included in or accessible through this Site (including any content available on any email or SMS services)
'you', 'your' and 'yours' means you, the person(s) accessing this Site and the party on whose behalf you are doing so
'we', 'us', 'our', ‘Veritas’ means Klopercom
'VERITAS Group' means Klopercom, its subsidiaries and associated companies from time to time
These P.Terms cover your use of this Site. All products and services provided by members of the VERITAS Group have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these P. Terms. To the extent that the Product Terms conflict with these P. Terms then the Product Terms will prevail.
Visitors and Clients accept and consent that we may, from time to time, contractually engage companies for statistical purposes in order to improve the Company’s marketing; as a result, personal non-identifiable data may be disclosed on an anonymous and aggregated basis only.
This privacy statement sets out our current policies and demonstrates our commitment to your financial privacy. We may change the content or services found on our Site at any time without notice, and consequently our privacy statement and the Terms may change at any time in the future. You should also read our Cookie Policy to find out more about how VERITAS and our trusted partners use cookies, which is relevant to your online security: we use cookies to make our website more secure and easier to use.
VERITAS provides financial (and not only) products and services through its affiliated companies and branches located worldwide. Privacy and personal data protection principles vary from one country to another. When you access or link to any other website, please read the privacy and data protection statements or agreements issued by such other website to determine the policies that apply to information or data maintained by that website.
Veritas and its affiliates may share the information we receive with card issuer and other service provider for keeping you inform and being sure our products and services are working efficiently.
We collect personal details when filling an account form, registering to a webinar or seminar, subscribing to a free newsletter, requesting to be contacted by phone
Information collected will allow us to process your requests and registrations but will additionally make it possible to contact you regarding services and products which may be of interest to you. This information will additionally allow us to verify whether you have received the information or track the quality of the services which you requested in order to provide you with the best possible level of service.We may also associate any category of information with any other category of information and will treat the combined information as personal data.
This is information you give us about you by filling in forms on one of our App and/or the Site, or by corresponding with us (for example, by e-mail or via the chat functions on of our App and/or the Site). It includes information you provide when you register to use one of our App, download or register one of our App, subscribe to any of our services, enter into any transaction on one of our App or the Site (such as and not only a top up, card2card transfer), participate in instant discussion board or other social media functions on one of our App or the Site, enter a competition or promotion or survey and when you report a problem. If you contact us, we will keep a record of that correspondence. The information you give us may include your name, address, date of birth, e-mail address, phone number, phone number, username, password and other registration information, financial, details of your bank account including the bank account number, bank sort code, IBAN, identification document numbers, copies of identification documents (for example, passport, driving license and utility bill) personal description and photograph and any other information you provide us in order to prove your eligibility to use our services.
These details will allow us to
Our identity-verification process (eKYC) involves automated decision-making: your application may be automatically approved or declined based on the verification outcome. You may contact our customer support to request human intervention, express your point of view or contest such a decision.
Each time you visit us (site or one of our App, if any) we or card issuer may automatically collect the following information
Technical information, including the internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, device information and the type of mobile device you use, a unique device identifier (for example, your Device's IMEI number, the MAC address of the Device's wireless network interface, or the mobile phone number used by the Device), mobile network information, your mobile operating system, the type of mobile browser you use, time zone setting (Device Information);
Information about your visit, including the full uniform resource locators (URL), clickstream to, through and from our site (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, device information and any phone number used to call our customer service number;
Campaign and click identifiers: where you arrive on our Site or subscription funnel through an advertising campaign, we may collect campaign parameters and click identifiers (such as the Google Click ID "gclid" or an affiliate code). These are personal data. Subject to your cookie consent, they are used to measure advertising effectiveness and may be shared with our advertising partners (Google, Microsoft, Meta, Outbrain) for that purpose. If you refuse marketing cookies, these identifiers are not linked to your customer record.
Transaction information including date, time, amount, currencies used, exchange rate, beneficiary details, details and location of the merchant or ATMs associated with the transaction, IP address of sender and receiver, sender's and receiver's name and registration information, messages sent or received with the payment, device information used to facilitate the payment and the payment instrument used. Transaction details relating to your use of our services, including who you have sent money or electronic money to, foreign exchange transactions you have entered into, the time, date and location of the place the transaction was entered into.
If any App is used: information stored on your Device, including if you allow us access contact information from your address book, login information, photos, videos or other digital content, check ins (Content Information). Any App may periodically recollect this information in order to stay up-to-date;
These details will allow us to
We may use IP and GPS technology to increase your card protection and fraud-prevention measures. If we detect abnormal activity we may not allow transaction to be processed. You may invite to contact us for confirming transactions or indicate your location.
These details will allow us to
We are working closely with third parties (including and not only, business partners, sub-contractors in technical, payment and delivery services, card issuer, voucher issuer, advertising networks, analytics providers, search information providers, credit reference agencies, fraud prevention agencies, customer service providers, developers, social media organizations such as Facebook, Twitter and/or Google). The use of credit reference agencies and fraud prevention agencies is not limited to such agencies based in the United Kingdom and includes such agencies overseas. Any such search under this section may leave a footprint on your credit file. By agreeing to the terms of this privacy policy, you agree that we may carry out such credit search in the knowledge that it may leave a footprint on your credit history. We do not allow joint account holders, however in certain circumstances credit reference agencies may link your record with your spouse, partner or other financial associate. We will also receive information about you from third parties we use to verify your identity.
These details will allow us to
About your personal data: you have the right to be informed, the right of access, the right to rectification, the right to erasure (subject to the legal retention obligations described in Section 5-C), the right to restriction of processing, the right to data portability, the right to object at any time — including to direct marketing — and, where processing is based on consent, the right to withdraw that consent at any time. You also have the right to lodge a complaint with a supervisory authority, in particular the Office of the Commissioner for Personal Data Protection of the Republic of Cyprus.
Legal bases of processing. We process your personal data on the following bases: performance of the contract or pre-contractual steps at your request (account opening, subscription, transactions, resuming an interrupted subscription); compliance with legal obligations (identity verification, anti-money-laundering, record-keeping); our legitimate interests (fraud prevention, security of the Site, service improvement, contacting you about a subscription you started); and your consent (marketing cookies and advertising identifiers, direct marketing where required) which you may withdraw at any time.
VERITAS's business has been built on trust between us and our customers. To preserve the confidentiality of all information you provide to us:
By maintaining our commitment to these principles, we will ensure that we respect the inherent trust that you place in VERITAS.
Information or opinions contained on this Site do not constitute an offer to sell or a solicitation, or offer to buy, any securities or financial instruments or investment advice or any advice or recommendation in respect of such securities or other financial instruments.
Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk.
Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser(s) to obtain appropriate financial, legal, accounting, tax and other advice.
The Site is intended for customers residing in the countries we serve within the European Economic Area and other jurisdictions listed in our acceptance policy. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation, or is appropriate for use, in other places.
You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.
Products or services on this Site do not constitute an offer or recommendation of any products or services provided by any of the VERITAS Group members, members or affiliates. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside Authorized Countries which are any jurisdictions where VERITAS is authorized to perform such activities.
Not all the products and services that you may be able to view via this Site may be available in all geographical locations served by VERITAS. You should access only the local site(s) associated with your country of residence (“Your Local Site”). If you own products that are not discussed on Your Local Site, information about such products may be accessible on another VERITAS website. Products and services discussed outside Your Local Site may not be available in your jurisdiction of residence or in the Authorized Countries and may not be appropriate for you. Your use of this Site is subject to the applicable laws and regulations of any relevant jurisdiction. VERITAS Group members may decline to provide you with products and services subject to status.
Products discussed on this Site may not have been registered or authorized by any central bank, governmental or regulatory authority in the authorized Countries or in the country of your residence.
The following clauses exclude or limit our legal liability for the Site. You should read them carefully.
While we have taken reasonable steps to ensure the accuracy, currency, availability correctness and completeness of the information contained on the Site, information is provided on an "as is", "as available" basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.
We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.
Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked from or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in other way in connection with linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site. We will not be liable for any unlawful or unauthorized use of your personal information resulting from cookies on our website that we do not have access to or control over
1/If your data are not associated or not linked to financial transactions or payment services (accounts or cards)
2/If your data are associated or linked to financial transactions or payment services (accounts or cards)
Copyright in the page’s screens, information and material in their arrangement included in this Site is owned by or licensed to VERITAS unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.
VERITAS operates directly or indirectly via ads agency channels, pages and accounts on some social media sites to inform, assist and engage with customers. Unless stated otherwise, these are intended for European customers. We monitor and record comments and posts made on these channels about VERITAS so that we can improve our services.
VERITAS is not responsible for any information posted on those sites other than information we have posted ourselves. We do not endorse the social media sites themselves, or any information posted on them by third parties or other users.
VERITAS doesn't give investment, tax or other professional advice via social media sites. You should always seek independent advice before making such decisions.
When you engage with VERITAS via social media your personal data may be stored on that social media site’s server, which are outside the control of VERITAS and may be in the US or elsewhere outside the EU. Any information posted to such sites may be accessed and read by the general public. It is not an appropriate forum to discuss customers' products or financial arrangements. VERITAS will not ask you to share personal, account or security information via social media sites, and you should not post such information on those channels.
VERITAS regularly updates and monitors our social media accounts and welcomes feedback and ideas submitted via these channels. VERITAS endeavours to join the conversation whenever possible, however cannot guarantee to read or reply to all messages sent to official VERITAS social media accounts.
Emerging themes and helpful suggestions are passed to the relevant people within VERITAS for consideration, but no guarantee is made that any proposals will be acted upon.
If any of the VERITAS streams above follow another user on any social network then this does not imply endorsement of any kind.
The privacy policy is governed by and interpreted in accordance with the laws of Cyprus and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.
You can access some of the information we hold about you on the Site or one of our App (if any) by visiting the relative page. On these pages, you may edit the information we hold about you. For security reasons, you will not be able to change all the information we hold about you. If you wish to change or delete information, we hold about you which you cannot edit or delete, please contact our customer support. The right to erasure does not apply to the extent that retention is required by law: personal data linked to financial transactions or payment services (accounts or cards) must be retained for 6 years from the end of the business relationship to personal data associated or linked to financial transactions or payment services (accounts or cards) as there must be retained for 6 years from the end of the business relationship for AML and CTF requirements in accordance with applicable EU and Cypriot anti-money-laundering and counter-terrorist-financing legislation.
We hope you'll find these updates improve your customer experience and reinforce our commitment to your data privacy and security. If you have any questions, comments, modify your personal details or believe there was a breach of our privacy policy or that we, in one way or another, have violated your privacy, you will always be able to direct that complaint to us. This will be dealt with as soon as possible. For this you can contact us via privacy@cardveritas.com
You can change or withdraw your cookie consent at any time via the "Cookie settings" link available on every page of the Site, which reopens the consent banner.
We are continuously making efforts to guarantee the level of security, conforming to the industry norms. We make use of firewalls, authentication systems and various control mechanisms concerning security when accessing our systems and data. We may update this privacy statement from time to time. In case of material changes, we will inform you through the Site or by the contact details you provided before the changes take effect.
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To protect our website and onboarding forms against automated abuse, bots and fraudulent submissions, we use Cloudflare Turnstile, a privacy-preserving verification service provided by Cloudflare, Inc. (101 Townsend St, San Francisco, CA 94107, USA). Turnstile runs invisibly when you submit a form: it analyses limited technical signals from your browser and device (such as browser characteristics and interaction patterns) to distinguish human visitors from automated traffic. Turnstile does not use this data for advertising, does not build user profiles, and the data is not sold. Cloudflare processes this data as our processor, in accordance with the Cloudflare Turnstile Privacy Addendum, available at: https://www.cloudflare.com/turnstile-privacy-policy/. The legal basis for this processing is our legitimate interest (Article 6(1)(f) GDPR) in securing our services and preventing fraud.
As Cloudflare, Inc. is established in the United States, personal data processed through Turnstile may be transferred outside the European Economic Area. Such transfers are safeguarded by appropriate measures within the meaning of Chapter V GDPR, including the European Commission's Standard Contractual Clauses incorporated into Cloudflare's Data Processing Addendum, and Cloudflare's certification under the EU-U.S. Data Privacy Framework. For more information on how Cloudflare processes personal data, please see Cloudflare's Privacy Policy at: https://www.cloudflare.com/privacypolicy/.
Kundtjänst på ditt språk via ärende dygnet runt, och per telefon måndag till lördag kl. 9–18.30.
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