Privacy and Cookie Policy
BACKGROUND:
Meridian Solutions (International) Limited (“We”) understand that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of everyone who visits this website, www.meridiansolutionsint.com (“Our Site”) and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.
Please read this Privacy and Cookie Policy carefully and ensure that you understand it. Your acceptance of this Privacy and Cookie Policy is deemed to occur upon your first use of Our Site. If you do not accept and agree with this Privacy and Cookie Policy, you must stop using Our Site immediately.
__1. Definitions and Interpretation __
In this Policy the following terms shall have the following meanings:
“Account” means an account required to access and/or use certain areas and features of Our Site;
“Cookie” means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in Part 14, below; and
“Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
2. Information About Us
Our Site is owned and operated by Meridian Solutions (International) Limited, a company registered in England and Wales under 11849241, whose registered address is 3 Old Street Yard, Featherstone Street, London, EC1Y 8AF. Meridian Solutions (International) Limited is registered with the Information Commissioners Office, with registration number: ZA840994
Data controller: Meridian Solutions (International) Limited, 3 Old Street Yard, Featherstone Street, London, EC1Y 8AF. Telephone: +44 (208) 610 9759 Email: contact@meridiansolutions.co.uk
Representative: Joseph Sim Email address: j.sim@meridiancurrency.com Telephone: +44 (208) 610 9759 Postal address: 3 Old Street Yard, Featherstone Street, London, EC1Y 8AF.
Meridian Solutions (International) Limited's Payment and Foreign Currency Exchange Services are provided by The Currency Cloud Limited (“Currencycloud”). The Currency Cloud Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution. Reference number: 900199. The “Register” and “Log in” links on Our Site direct you to sites owned by Currencycloud, so for these site please refer to their privacy policy here.
Meridian Solutions’ payment and foreign currency exchange services are also provided by Global Currency Exchange Network Ltd T/A GC Partners. Global Currency Exchange Network Ltd is authorised by the FCA under the Payment Services Regulations, 2017 (FRN: 504346). Registered as a Money Services Business, regulated by HM Revenue & Customs ("HMRC") under the Money Laundering Regulations 2017. (Registration number is 12137189). Registered in England and Wales. Company number 04675786. Registered Office 3rd Floor 100 New Bond Street, London, England, W1S 1SP.
3. What Does This Policy Cover?
This Privacy and Cookie Policy applies only to your use of Our Site. Our Site contains links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them. If you wish to see how else we may collect and handle personal information away from Our Site, then please request to see a copy of our Privacy Notice using the contact details in Part 15.
4. What Is Personal Data?
Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) and the Data Protection Act 2018 (collectively, “the Data Protection Legislation”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.
Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
5. What Are My Rights?
Under the Data Protection Legislation, you have the following rights, which we will always work to uphold:
a) The right to be informed about our collection and use of your personal data. This Privacy and Cookie Policy should tell you everything you need to know, but you can always contact us to find out more or to ask any questions using the details in Part 15.
b) The right to access the personal data we hold about you. Part 13 will tell you how to do this.
c) The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete. Please contact us using the details in Part 15 to find out more.
d) The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we hold. Please contact us using the details in Part 15 to find out more.
e) The right to restrict (i.e. prevent) the processing of your personal data.
f) The right to object to us using your personal data for a particular purpose or purposes.
g) The right to withdraw consent. This means that, if we are relying on your consent as the legal basis for using your personal data, you are free to withdraw that consent at any time.
h) The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.
i) Rights relating to automated decision-making and profiling. We do not use your personal data in this way.
For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 15.
It is important that your personal data is kept accurate and up to date. If any of the personal data we hold about you changes, please keep us informed as long as we have that data.
Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.
If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office. We would welcome the opportunity to resolve your concerns ourselves, however, so please contact us first, using the details in Part 15.
6. What Data Do You Collect and How?
Depending upon your use of Our Site, we may collect and hold some or all of the personal and non-personal data set out in the table below, using the methods also set out in the table. Please also see Part 14 for more information about our use of Cookies and similar technologies. We do not collect any ‘special category’ or ‘sensitive’ personal data or personal data relating to children or data relating to criminal convictions and/or offences.
Data Collected: Technical information including IP address, browser type and version, operating system, date and time of access, language settings, links clicked, pages visited, how long a user looks at a website and what they look at.
How We Collect the Data: Web analytics (Google Analytics) and cookies collected from online engagement processes on Our Site.
7. How Do You Use My Personal Data?
Under the Data Protection Legislation, we must always have a lawful basis for using personal data. The following describes how we may use your personal data, and our lawful bases for doing so:
What We Do: Personalising and tailoring your experience on Our Site. What Data We Use: Technical Information. Our Lawful Basis: Consent.
What We Do: Improving Our Site and service What Data We Use: Technical Information. Our Lawful Basis: Consent.
With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email or telephone or post with information, news, and offers on our services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the Data Protection Legislation and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out. We will always obtain your express opt-in consent before sharing your personal data with third parties for marketing purposes and you will be able to opt-out at any time.
We will only use your personal data for the purpose(s) for which it was originally collected unless we reasonably believe that another purpose is compatible with that or those original purpose(s) and need to use your personal data for that purpose. If we do use your personal data in this way and you wish us to explain how the new purpose is compatible with the original, please contact us using the details in Part 15.
If we need to use your personal data for a purpose that is unrelated to, or incompatible with, the purpose(s) for which it was originally collected, we will inform you and explain the legal basis which allows us to do so.
In some circumstances, where permitted or required by law, we may process your personal data without your knowledge or consent. This will only be done within the bounds of the Data Protection Legislation and your legal rights.
8. How Long Will You Keep My Personal Data?
We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Your personal data will therefore be kept for the following periods (or, where there is no fixed period, the following factors will be used to determine how long it is kept):
Type of Data: Technical information including IP address, browser type and version, operating system, date and time of access, language settings, links clicked, pages visited, how long a user looks at a website and what they look at.
How Long We Keep It: A period of up to 2-years.
9. How and Where Do You Store or Transfer My Personal Data?
We will only store or transfer your personal data within the European Economic Area (the “EEA”). The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein. This means that your personal data will be fully protected under the Data Protection Legislation, GDPR, and/or to equivalent standards by law.
The security of your personal data is essential to us, and to protect your data, we take a number of important measures, including the following:
• limiting access to your personal data to those employees, agents, contractors, and other third parties with a legitimate need to know and ensuring that they are subject to duties of confidentiality;
• procedures for dealing with data breaches (the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, your personal data) including notifying you and/or the Information Commissioner’s Office where we are legally required to do so;
10. Do You Share My Personal Data?
We may share your personal data with the below business partners for the following purposes: account registration, supplying our services to you, administering our business, managing payments for our services and compliance with legal obligations.
Recipient: The Currency Cloud Limited. Activity Carried Out: They provide foreign exchange, payments, and electronic money services to Our clients Sector: Regulated financial services Location: 1st Floor Stewardship Building, 12 Steward Street, London, E1 6FQ.
Recipient: Currencycloud BV Activity Carried Out: They provide foreign exchange, payments, and electronic money services to Our clients Sector: Regulated financial services Location: KINGSFORDWEG 151, Amsterdam, 1043 GR, Netherlands
Recipient: Payment Card Solutions UK Ltd. Activity Carried Out: They provide pre-paid Mastercard solutions to Our clients Sector: Authorised financial services Location 21-24 Millbank, London, UK, SW1P 4QP
If any of your personal data is shared with a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law, as described above in Part 8.
If we sell, transfer, or merge parts of our business or assets, your personal data may be transferred to a third party. Any new owner of our business may continue to use your personal data in the same way(s) that we have used it, as specified in this Privacy and Cookie Policy.
In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.
11. How Can I Control My Personal Data?
11.1 In addition to your rights under the Data Protection Legislation, set out in Part 5, when you submit personal data via Our Site, you may be given options to restrict our use of your personal data. In particular, we aim to give you strong controls on our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from us which you may do by unsubscribing using the links provided in our emails.
11.2 You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.
12. Can I Withhold Information?
You may access Our Site without providing any personal data at all. You may restrict our use of Cookies. For more information, see Part 14 for further information on our use of Cookies.
13. How Can I Access My Personal Data?
If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.
All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 15.
There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover our administrative costs in responding.
We will respond to your subject access request within one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.
14. How Do You Use Cookies?
Our Site may place and access certain first-party Cookies on your computer or device. First-party Cookies are those placed directly by us and are used only by us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
For more details, please refer to below. These Cookies are not integral to the functioning of Our Site and your use and experience of Our Site will not be impaired by refusing consent to them.
All Cookies used by and on Our Site are used in accordance with current Cookie Law.
The following first-party Cookies may be placed on your computer or device:
Name of Cookie: CookieConsentM Purpose: Agree to cookies being set Strictly Necessary: No
Name of Cookie: StopAnimations Purpose: Stop repetitively seeing the opening animation __Strictly Necessary:__No
Our Site uses analytics services provided by Google Analytics. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling us to better understand how Our Site is used. This, in turn, enables us to improve Our Site and the services offered through it.
The analytics service(s) used by Our Site use(s) Cookies to gather the required information. You do not have to allow us to use these Cookies, however whilst our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable us to continually improve Our Site, making it a better and more useful experience for you.
The analytics service(s) used by Our Site use(s) the following Cookies:
Name of Cookie: _ga First / Third Party: First Party Provider: Google Analytics Purpose: Website analytics
Name of Cookie: _gat First / Third Party: First Party Provider: Google Analytics Purpose: Website analytics
Name of Cookie: _gid First / Third Party: First Party Provider: Google Analytics Purpose: Website analytics
Consent and control
Before Cookies are placed on your computer or device, you will be shown a pop-up at the bottom of your browser requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended.
In addition to the controls that we provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies. By default, most internet browsers accept Cookies, but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings. The links below provide instructions on how to control Cookies in all mainstream browsers:
• Google Chrome: https://support.google.com/chrome/answer/95647?hl=en-GB • Microsoft Internet Explorer: https://support.microsoft.com/en-us/kb/278835 • Microsoft Edge: https://support.microsoft.com/en-gb/products/microsoft-edge (Please note that there are no specific instructions at this time, but Microsoft support will be able to assist) • Safari (macOS): https://support.apple.com/kb/PH21411?viewlocale=en_GB&locale=en_GB • Safari (iOS): https://support.apple.com/en-gb/HT201265 • Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-Cookies-website-preferences • Android: https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DAndroid&hl=en (Please refer to your device’s documentation for manufacturers’ own browsers)
15. How Do I Contact You?
To contact us about anything to do with your personal data and data protection, including to make a subject access request, please use the following details:
Email address: contact@meridiansolutions.co.uk.
Telephone number: +44 (208) 6109759.
Postal Address: 3 Old Street Yard, Featherstone Street, London, EC1Y 8AF.
16. Changes to this Privacy and Cookie Policy
We may change this Privacy and Cookie Policy from time to time. This may be necessary, for example, if the law changes, or if we change our business in a way that affects personal data protection.
Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy and Cookie Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up to date. This Privacy and Cookie Policy was last updated on 01/06/23.
