{"id":831,"date":"2023-09-22T07:10:26","date_gmt":"2023-09-21T21:10:26","guid":{"rendered":"https:\/\/chipkie.com\/?page_id=831"},"modified":"2026-09-10T07:01:44","modified_gmt":"2026-09-09T21:01:44","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/chipkie.com\/uk\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"831\" class=\"elementor elementor-831\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9c2a70 e-flex e-con-boxed e-con e-parent\" data-id=\"d9c2a70\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e0b60b elementor-widget elementor-widget-heading\" data-id=\"5e0b60b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Privacy Policy<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d86b09 e-flex e-con-boxed e-con e-parent\" data-id=\"4d86b09\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6069cae e-con-full e-flex e-con e-child\" data-id=\"6069cae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f74928 elementor-widget elementor-widget-image\" data-id=\"6f74928\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"727\" height=\"433\" src=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2023\/08\/car.png\" class=\"attachment-medium_large size-medium_large wp-image-400\" alt=\"\" srcset=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2023\/08\/car.png 727w, https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2023\/08\/car-300x179.png 300w\" sizes=\"(max-width: 727px) 100vw, 727px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b61404 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"2b61404\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-489f4a1 elementor-widget elementor-widget-image\" data-id=\"489f4a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"450\" height=\"431\" data-src=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2023\/08\/tree.png\" class=\"attachment-large size-large wp-image-399 lazyload\" alt=\"\" data-srcset=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2023\/08\/tree.png 450w, https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2023\/08\/tree-300x287.png 300w\" data-sizes=\"(max-width: 450px) 100vw, 450px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 450px; --smush-placeholder-aspect-ratio: 450\/431;\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34b258a e-flex e-con-boxed e-con e-parent\" data-id=\"34b258a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c56bd57 e-con-full e-flex e-con e-child\" data-id=\"c56bd57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76f9150 elementor-widget elementor-widget-text-editor\" data-id=\"76f9150\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1 class=\"text-text-100 mt-3 -mb-1 text-[1.375rem] font-bold\" data-sourcepos=\"1:1-1:44;0-43\">Chipkie \u2014 Privacy Policy (United Kingdom)<\/h1>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"3:1-3:30;45-74\"><em>Last updated: 9 September 2026<\/em><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"5:1-5:367;76-442\">Chipkie Pty Ltd (ABN 75 663 915 884) (<strong>we<\/strong>, <strong>us<\/strong>, or <strong>our<\/strong>) is committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and protect personal data when you interact with us through the United Kingdom section of our websites, applications, and services (the <strong>Platform<\/strong>), and your rights under UK data protection law.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"7:1-7:475;444-918\">We are the <strong>data controller<\/strong> of your personal data. We are a software company based in Australia. Our Platform is a record-keeping and document-generation tool that helps people who already know each other (such as friends and family) record a loan, track repayments, and optionally generate a simple loan agreement. <strong>We are not a lender, broker, payment service provider, debt collector, or credit reference agency, and we do not hold, transfer, or process loan funds.<\/strong><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"9:1-9:201;920-1120\">This Privacy Policy is governed by the <strong>UK General Data Protection Regulation (UK GDPR)<\/strong>, the <strong>Data Protection Act 2018<\/strong>, and the <strong>Privacy and Electronic Communications Regulations 2003 (PECR)<\/strong>.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"11:1-11:40;1122-1161\">1. Our Details and Data Protection Contact<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"13:1-14:35;1163-1267\"><strong>Data controller:<\/strong> Chipkie Pty Ltd (ABN 75 663 915 884), Australia. <strong>Contact:<\/strong> <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"mailto:contactus@chipkie.com\">contactus@chipkie.com<\/a><\/p>\n<p>For privacy requests, complaints or information about a UK representative or Data Protection Officer, contact <a href=\"mailto:hello@chipkie.com\">hello@chipkie.com<\/a>.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"24:1-24:35;1697-1731\">2. The Personal Data We Collect<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"26:1-26:61;1733-1793\">The types of personal data we may collect about you include:<\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\" data-sourcepos=\"28:1-37:102;1795-3324\">\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"28:1-28:50;1795-1844\"><strong>Identity Data<\/strong> \u2014 your name, age, and gender.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"29:1-29:64;1845-1908\"><strong>Contact Data<\/strong> \u2014 your telephone number, address, and email.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"30:1-30:235;1909-2143\"><strong>Financial Data<\/strong> \u2014 bank account and payment card details, collected and stored through our third-party payment processor (such as Stripe). The processor stores this; we do not have access to your full card or bank account numbers.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"31:1-31:197;2144-2340\"><strong>Identity Verification Data<\/strong> \u2014 government-issued identification details we may request to verify your identity and help prevent fraud, where reasonably necessary or required by applicable law.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"32:1-32:233;2341-2573\"><strong>Transaction Data<\/strong> \u2014 details about payments between you and us (such as subscription Fees). <em>(We do not collect, hold, or process the loan funds exchanged between users; we record only the loan information you choose to enter.)<\/em><\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"33:1-33:305;2574-2878\"><strong>Technical and Usage Data<\/strong> \u2014 your IP address, login data, browser session and approximate geolocation data, page-view and session statistics, device and network information, acquisition sources, search queries and browsing behaviour, and your use of our website (including via cookies and analytics).<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"34:1-34:119;2879-2997\"><strong>Profile Data<\/strong> \u2014 your username and password, profile picture, your activity on the Platform, and support requests.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"35:1-35:125;2998-3122\"><strong>Interaction Data<\/strong> \u2014 information you provide when you take part in surveys, contests, promotions, activities, or events.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"36:1-36:100;3123-3222\"><strong>Marketing and Communications Data<\/strong> \u2014 your marketing preferences and communication preferences.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"37:1-37:102;3223-3324\"><strong>Professional Data<\/strong> \u2014 if you are a worker of ours or apply for a role, your professional history.<\/li>\n<\/ul>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"39:1-39:307;3326-3632\"><strong>Special category data.<\/strong> We do not generally seek to collect &#8220;special category&#8221; data (such as data about health, race, religion, or biometrics). Please do not provide such data unless we specifically request it. If you do, we will only process it where a condition under Article 9 of the UK GDPR applies.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"41:1-41:35;3634-3668\">3. How We Collect Personal Data<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"43:1-43:442;3670-4111\">We collect personal data: when you provide it directly (in person, by phone, by email, or online); when you complete a form or register for events or newsletters or respond to surveys; when you use a website or application we operate (including via analytics, cookie, and marketing providers \u2014 see Section 6); from third parties such as our payment processor (Stripe) and identity-verification providers; and from publicly available sources.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"45:1-45:59;4113-4171\">4. How and Why We Use Your Personal Data (Lawful Bases)<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"47:1-47:108;4173-4280\">Under the UK GDPR, we must have a lawful basis for processing your personal data. We rely on the following:<\/p>\n<div class=\"overflow-x-auto w-full px-2 mb-6\" data-sourcepos=\"49:1-60:149;4282-5976\">\n<table style=\"width:100%;table-layout:fixed;overflow-wrap:anywhere;\" class=\"min-w-full border-collapse text-sm leading-[1.7] whitespace-normal\">\n<thead class=\"text-left\">\n<tr>\n<th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Purpose<\/th>\n<th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Data used<\/th>\n<th class=\"text-text-100 border-b-0.5 border-[hsl(var(--border-300)\/0.6)] py-2 pr-4 align-top font-bold\" scope=\"col\">Lawful basis<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Provide the Platform, set up your login, and deliver the services you sign up for<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Identity, Contact, Profile, Transaction<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Performance of a contract<\/strong> with you<\/td>\n<\/tr>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Take payment for your subscription and handle billing<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Contact, Financial, Transaction<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Performance of a contract<\/strong>; <strong>Legal obligation<\/strong> (keeping accounting records)<\/td>\n<\/tr>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Verify your identity and prevent, detect, and respond to fraud and misuse<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Identity, Identity Verification, Technical<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Legitimate interests<\/strong> (protecting our Platform and users from fraud); <strong>Legal obligation<\/strong> where applicable<\/td>\n<\/tr>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Respond to your support requests and communicate with you<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Identity, Contact, Profile<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Performance of a contract<\/strong>; <strong>Legitimate interests<\/strong> (running our service efficiently)<\/td>\n<\/tr>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Internal record-keeping and administration<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Most categories<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Legitimate interests<\/strong>; <strong>Legal obligation<\/strong><\/td>\n<\/tr>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Analytics, research, and improving our Platform and business<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Technical, Usage, Profile, Interaction<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Legitimate interests<\/strong> (to operate and improve our business)<\/td>\n<\/tr>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Send you marketing about our products and offers<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Contact, Marketing, Profile<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Consent<\/strong>, or <strong>Legitimate interests<\/strong> for existing customers (soft opt-in) \u2014 see Section 5<\/td>\n<\/tr>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Run promotions and competitions<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Identity, Contact, Interaction<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Consent<\/strong>; <strong>Performance of a contract<\/strong> (competition terms)<\/td>\n<\/tr>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Consider your job application<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Professional, Identity, Contact<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Legitimate interests<\/strong> \/ steps prior to entering a contract<\/td>\n<\/tr>\n<tr>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">Comply with our legal obligations and establish, exercise, or defend legal claims<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\">As relevant<\/td>\n<td class=\"border-b-0.5 border-[hsl(var(--border-300)\/0.3)] py-2 pr-4 align-top\"><strong>Legal obligation<\/strong>; <strong>Legitimate interests<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"62:1-62:279;5978-6256\">Where we rely on <strong>legitimate interests<\/strong>, we have balanced our interests against your rights, and you may object to that processing (see Section 12). Where we rely on <strong>consent<\/strong>, you may withdraw it at any time without affecting the lawfulness of processing before withdrawal.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"64:1-64:41;6258-6298\">5. Marketing and Your Right to Object<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"66:1-66:284;6300-6583\">We will only send you marketing communications where you have consented, or where we are permitted to do so under the &#8220;soft opt-in&#8221; rules in PECR (for example, where you are an existing customer and we market similar products, and you did not opt out when we collected your details).<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"68:1-68:254;6585-6838\"><strong>You can opt out of marketing at any time<\/strong> \u2014 by using the unsubscribe link in any marketing email, by adjusting your preferences in your Account, or by contacting us. You have an absolute right to object to direct marketing, and we will stop promptly.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"70:1-70:39;6840-6878\">6. Cookies and Similar Technologies<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"72:1-72:319;6880-7198\">We use cookies and similar technologies on our website. <strong>Strictly necessary cookies<\/strong> are used to operate the website. For all other cookies \u2014 including analytics and advertising cookies \u2014 <strong>we will ask for your consent<\/strong> through our cookie banner, and you can change your choices at any time via our cookie settings.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"74:1-74:368;7200-7567\"><strong>Google Analytics.<\/strong> We use Google Analytics, including Advertising Features, which may set first-party and third-party cookies that collect Technical and Usage Data and support retargeting. These are only set where you have consented. You can also opt out using the Google Analytics Opt-out Browser Add-on and control personalised ads through Google&#8217;s Ads Settings.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"76:1-76:146;7569-7714\">If you block cookies through your browser, some parts of our website may not work properly. This section explains our use of cookies. Contact us if you need more information about cookies or your choices.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"78:1-78:43;7716-7758\">7. Who We Share Your Personal Data With<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"80:1-80:119;7760-7878\">We share personal data only where necessary, and we require recipients to protect it. We may share personal data with:<\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\" data-sourcepos=\"82:1-90:58;7880-8601\">\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"82:1-82:50;7880-7929\">our employees, contractors, and group entities;<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"83:1-83:82;7930-8011\">IT, data-storage, web-hosting, and server providers (acting as our processors);<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"84:1-84:78;8012-8089\">our payment processor (such as Stripe) and identity-verification providers;<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"85:1-85:37;8090-8126\">analytics and marketing providers;<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"86:1-86:77;8127-8203\">professional advisers, bankers, auditors, insurers, and insurance brokers;<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"87:1-87:57;8204-8260\">our existing or potential agents or business partners;<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"88:1-88:131;8261-8391\">a buyer or successor if we sell, merge, or reorganise our business, in which case your data may be among the assets transferred;<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"89:1-89:152;8392-8543\">courts, tribunals, regulators, and law-enforcement bodies, where required or permitted by law, or to establish, exercise, or defend legal rights; and<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"90:1-90:58;8544-8601\">other third parties where required or permitted by law.<\/li>\n<\/ul>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"92:1-92:39;8603-8641\">We do <strong>not<\/strong> sell your personal data.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"94:1-94:30;8643-8672\">8. International Transfers<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"96:1-96:221;8674-8894\">We store and process your personal data in <strong>Australia<\/strong>, and some of our service providers may process it in other countries outside the UK. The UK Government has not made an &#8220;adequacy&#8221; decision in respect of Australia.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"98:1-98:385;8896-9280\">Where we transfer your personal data outside the UK, we put in place appropriate safeguards as required by the UK GDPR \u2014 in particular, the <strong>International Data Transfer Agreement (IDTA)<\/strong> or the <strong>UK Addendum to the EU Standard Contractual Clauses<\/strong>, together with any additional measures needed to protect your data. You can request a copy of the safeguards we use by contacting us.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"100:1-100:42;9282-9323\">9. How Long We Keep Your Personal Data<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"102:1-102:506;9325-9830\">We keep your personal data only for as long as necessary for the purposes set out in this Privacy Policy, including to provide the Platform, meet our legal, tax, and accounting obligations, resolve disputes, and enforce our agreements. To decide how long to keep data, we consider its nature and sensitivity, the potential risk of harm from unauthorised use, the purposes of processing, and applicable legal requirements. When we no longer need your personal data, we will securely delete or anonymise it.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"104:1-104:21;9832-9852\">10. Data Security<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"106:1-106:347;9854-10200\">We have put in place appropriate technical and organisational measures to protect your personal data against unauthorised or unlawful processing and against accidental loss, destruction, or damage, as required by Article 32 of the UK GDPR. However, no transmission over the internet is completely secure, and any transmission is at your own risk.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"108:1-108:212;10202-10413\">If a personal data breach is likely to result in a risk to your rights and freedoms, we will notify the Information Commissioner&#8217;s Office (ICO) and, where required, you, in accordance with our legal obligations.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"110:1-110:48;10415-10462\">11. Your Rights Under UK Data Protection Law<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"112:1-112:69;10464-10532\">Subject to certain conditions and exceptions, you have the right to:<\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\" data-sourcepos=\"114:1-121:76;10534-11386\">\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"114:1-114:70;10534-10603\"><strong>Access<\/strong> \u2014 request a copy of the personal data we hold about you.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"115:1-115:71;10604-10674\"><strong>Rectification<\/strong> \u2014 ask us to correct inaccurate or incomplete data.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"116:1-116:99;10675-10773\"><strong>Erasure<\/strong> \u2014 ask us to delete your data (the &#8220;right to be forgotten&#8221;) in certain circumstances.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"117:1-117:77;10774-10850\"><strong>Restriction<\/strong> \u2014 ask us to limit our processing in certain circumstances.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"118:1-118:149;10851-10999\"><strong>Data portability<\/strong> \u2014 receive certain data in a structured, commonly used, machine-readable format, or have it transferred to another controller.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"119:1-119:118;11000-11117\"><strong>Object<\/strong> \u2014 object to processing based on our legitimate interests, and to object to direct marketing at any time.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"120:1-120:193;11118-11310\"><strong>Rights relating to automated decision-making<\/strong> \u2014 not to be subject to a decision based solely on automated processing that produces legal or similarly significant effects (see Section 13).<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\" data-sourcepos=\"121:1-121:76;11311-11386\"><strong>Withdraw consent<\/strong> \u2014 where we rely on consent, withdraw it at any time.<\/li>\n<\/ul>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"123:1-123:35;11388-11422\">12. How to Exercise Your Rights<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"125:1-125:458;11424-11881\">To exercise any right, contact us at <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"mailto:contactus@chipkie.com\">contactus@chipkie.com<\/a> using the contact details in Section 1. We may need to verify your identity before responding. We will respond within <strong>one month<\/strong> (which may be extended by two further months for complex requests, in which case we will tell you). Exercising these rights is normally <strong>free<\/strong>, but we may charge a reasonable fee or refuse a request that is manifestly unfounded or excessive, as permitted by law.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"127:1-127:47;11883-11929\">13. Automated Decision-Making and Profiling<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"129:1-129:279;11931-12209\">We do not make decisions that produce legal or similarly significant effects about you based solely on automated processing. We may use limited profiling (for example, to understand usage and tailor content), but this does not have legal or similarly significant effects on you.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"131:1-131:18;12211-12228\">14. Complaints<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"133:1-133:401;12230-12630\">If you have a concern about how we handle your personal data, please contact us first so we can try to resolve it. You also have the right to lodge a complaint with the <strong>Information Commissioner&#8217;s Office (ICO)<\/strong>, the UK supervisory authority, at <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/ico.org.uk\" target=\"_blank\" rel=\"noopener\">https:\/\/ico.org.uk<\/a>, by calling 0303 123 1113, or by writing to Information Commissioner&#8217;s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"135:1-135:26;12632-12657\">15. Children&#8217;s Privacy<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"137:1-137:285;12659-12943\">The Platform is intended for users who are at least 18 years old, and it is not directed at children. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us, and we will take reasonable steps to delete it.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"139:1-139:31;12945-12975\">16. Single Sign-On Accounts<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"141:1-141:574;12977-13550\">If you connect your account using a single sign-on provider (for example, Google or Facebook), we will collect personal data from that provider in accordance with the privacy settings you have chosen with them. This may include your name, ID, username, handle, profile picture, gender, age, language, list of friends or follows, and other information you choose to share. We use this to create your profile and provide our services. Where we received data through your Facebook account, you may ask us to delete it by emailing us and specifying what you would like deleted.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"143:1-143:31;13552-13582\">17. Links to Other Websites<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"145:1-145:215;13584-13798\">Our website may contain links to third-party websites we do not control and are not responsible for. Those websites are not governed by this Privacy Policy, and we encourage you to review their own privacy notices.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"147:1-147:38;13800-13837\">18. Changes to This Privacy Policy<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"149:1-149:235;13839-14073\">We may update this Privacy Policy from time to time by publishing the updated version on our website, and the &#8220;Last updated&#8221; date shows when it was last revised. Where changes are material, we will take reasonable steps to notify you.<\/p>\n<h2 id=\"chipkie-app-data\">Chipkie app information and account deletion<\/h2>\n<p>Updated 9 September 2026. This section explains how Chipkie Pty Ltd (ABN 75 663 915 884) handles information in the Chipkie mobile app and the account service at my.chipkie.com.<\/p>\n<h3 id=\"chipkie-account-deletion\">Request account deletion<\/h3>\n<p>In the app or on the website, open My Account or Profile, choose Delete Account and follow the confirmation steps. If you cannot sign in or no longer have the app, email <a href=\"mailto:hello@chipkie.com?subject=Delete%20my%20Chipkie%20account\">hello@chipkie.com to request account deletion<\/a> from your account email address, using the subject &#8220;Delete my Chipkie account&#8221;. If you no longer have access to that email address, contact us for help verifying the account. Do not send your password, bank card details or identity documents in the initial email.<\/p>\n<p>Closing your account removes your profile contact details and closes your loans on Chipkie. The other party is notified. Closing your account does not cancel money owed between the parties or invalidate an agreement. Download any records you want to keep before closing your account.<\/p>\n<h3>Records that can remain after closure<\/h3>\n<p>Loan history, repayment records and signed agreements can remain available to the other party as evidence of the agreement. Account-linked records needed to maintain that evidence and limited security or operational records may also remain. Closing your account does not erase copies already held by the other party.<\/p>\n<p>Retention depends on the type of record, the need to preserve loan and dispute evidence, and applicable legal or security requirements. Information in backups or held by service providers is subject to their applicable retention and deletion processes. Contact us for information about records associated with your account or to request deletion of particular personal information.<\/p>\n<h3>Service providers and optional AI features<\/h3>\n<p>Chipkie uses service providers to operate its features, including Mailchimp Transactional (Mandrill) for account and loan emails, and Stripe for payments for paid features and connected repayment services where available. Relevant account, contact or transaction information is provided to the service when needed for that function.<\/p>\n<p>When you use Loan Assistant, the conversation you submit is sent through Chipkie to Anthropic to generate responses and help prepare loan details. When automatic receipt reading is available for your loan, the uploaded receipt image is sent to Anthropic to extract payment details such as the amount, date and reference. The image may contain personal or financial information. Check generated details against your information and the original receipt before using them.<\/p>\n<p>Chipkie also records service activity, steps in the loan setup process and technical error information to understand usage and resolve problems. These records can include page or feature activity, campaign attribution, device or browser context and diagnostic details. The other information in this policy about cookies, analytics, advertising and your choices continues to apply.<\/p>\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\" data-sourcepos=\"151:1-151:18;14075-14092\">19. Contact Us<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"153:1-153:60;14094-14153\">For any questions, requests, or complaints, please contact:<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\" data-sourcepos=\"155:1-156:29;14155-14220\">Chipkie Pty Ltd (ABN 75 663 915 884) Email: <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"mailto:contactus@chipkie.com\">contactus@chipkie.com<\/a><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Chipkie \u2014 Privacy Policy (United Kingdom) Last updated: 9 September 2026 Chipkie Pty Ltd (ABN 75 663 915 884) (we, us, or our) is committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and protect personal data when you interact with us through the United Kingdom section of our &#8230; <a title=\"Privacy Policy\" class=\"read-more\" href=\"https:\/\/chipkie.com\/uk\/privacy-policy\/\" aria-label=\"Read more about Privacy Policy\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":90,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-831","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/comments?post=831"}],"version-history":[{"count":21,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/831\/revisions"}],"predecessor-version":[{"id":3723,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/831\/revisions\/3723"}],"wp:attachment":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/media?parent=831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}