Privacy policy

Introduction

John Lewis Foreign Currency is committed to protecting your privacy.

This Privacy Policy explains our data processing practices and your options about the ways your personal data is used. We reserve the right to change our Privacy Policy from time to time and would encourage you to check regularly for any changes that may have taken place.

If you have any requests concerning your personal information or any queries about our processing please contact us by emailing us or by telephoning 0330 123 3396.

Data protection

John Lewis plc is a registered data user under the Data Protection Act. We treat your personal information as confidential and make sure it is kept on a secure server to ensure that all personal and transactional information is protected to the highest standards.

Other websites

Our website contains links to other websites which are outside our control and are not covered by this Privacy Policy. If you access other sites using the links provided, the operators of these sites may collect information from you which will be used by them in accordance with their privacy policy, which may differ from ours.

Cookies

When you visit the John Lewis Foreign Currency website, we collect information about your computer and assign you a "cookie" (a small, unique identifier text file). You don’t provide this information, it’s collected automatically as a way of supporting your visit to this website.

John Lewis Foreign Currency uses cookies for a number of purposes e.g., to provide the mechanisms for online shopping and to monitor traffic on the site.

See our Cookie policy page for more information.

Access rights

You have the right to access the personal data that’s held about you. To obtain a copy of the personal information John Lewis Insurance holds about you, please write to us at the following address: Company Secretary, John Lewis Partnership, Partnership House, Carlisle Place, London SW1P 1BX - there is a fee for this service.

The John Lewis Partnership customer contact promise

The John Lewis Partnership includes John Lewis, Waitrose and John Lewis Financial Services. We’d love you to be among the first to receive exciting offers and news about our products and services. We do this in various ways including email, post, SMS and phone, but only if you would like us to. Don’t forget to visit us online, in-store and via social media for other special offers.

Your privacy is very important to us which is why we make sure you’re always in control of what we do with your personal information.

This is our simple customer contact promise:

  • We’ll never pass your personal details to anyone outside the John Lewis Partnership for them to use for their own marketing purposes.
  • We’ll only ever use your details to help you make the most of what we have to offer. That means things like:
    1. Tips and guidance to help you get the best out of your products
    2. News to help you make informed choices in the things you buy
    3. Details of new products and services
    4. Special offers
    5. Or simply, to get your feedback
  • We will make sure our contact with you is relevant based on the information you give us.
  • You can opt out at any time. All you need to do is call us on 020 7592 6677. But remember, if you do ‘opt out’ of receiving this information you could miss out on offers and news.
  • We’ll always comply with the Data Protection Act 1998 and all other relevant legislation. You can see how we’re doing this by reading this Privacy policy.

Please do let us know if your details change so that we can continue to stay in touch.

Foreign currency service provided by First Rate Exchange Services Limited

This online service for the provision of foreign currency and/or traveller’s cheques is provided by First Rate Exchange Services Limited for John Lewis customers (“this service”). You will access this service via a link from one or more website(s) (“the Website(s)”) operated by John Lewis Foreign Currency.

First Rate is committed to protecting the information you provide about yourself when using this service. This Privacy policy explains First Rate’s data processing practices and your options regarding the ways in which your personal data is used. If you have any requests concerning your personal information or any queries with regard to the data processing practices, please contact us.

Information collected

First Rate collects the details provided by you when you place an order using this service.

First Rate may also collect additional information if you provide First Rate with feedback on this service. First Rate also monitors customer traffic patterns and site use so as to improve the service provided.

If you believe that any information which First Rate holds about you is incorrect or incomplete, please contact us

Use of your information and your preferences

First Rate uses the information you have submitted to process your order on behalf of John Lewis Foreign Currency.

There may be times where we need to communicate with you for administrative or operational reasons relating to our products and services. First Rate will not use your information for direct marketing purposes.

Disclosures of your information

Your information may be passed to and used by all companies within the John Lewis Partnership Group. First Rate will not pass your personal data to any other third party except for any successors in title to our business, suppliers that process data on our behalf and companies within the First Rate group of companies. First Rate may also use and disclose information in aggregate (so that no individual customers are identified) for strategic development purposes.

First Rate will also disclose your personal data if it is requested by the police or a regulatory or government authority investigating illegal activities to provide information concerning your activities while using this service or otherwise is compelled to do so by law.

Privacy policy of John Lewis or Waitrose

First Rate has no control over the John Lewis or Waitrose websites through which you may have accessed this service and such websites are not covered by this Privacy policy. John Lewis and/or Waitrose may collect information from you which will be used by them in accordance with their own privacy policies which may differ from this Privacy policy. First Rate will not be responsible for the privacy practices of John Lewis or Waitrose and it is your responsibility to acquaint yourself with any relevant Privacy policy which may apply. First Rate will not be responsible for any contact made with you or any material supplied to you by John Lewis or Waitrose.

Cookies

This website, along with most other major websites, uses cookies. Cookies are pieces of information that a website transfers to the cookie file on your computer's hard disk. Cookies enable users to navigate around websites and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the site and help us improve the user experience.

None of the cookies used on our websites collect personally identifiable information about you.

Without cookies enabled, you will not be able to use this service.

HiFX Privacy policy summary

HiFX Europe Limited is the data controller for the International Payment Service.

This Privacy Policy explains how we use personal information that we collect about you (such as your home address, email address, telephone number and financial information) (“your information”), how we share your information and the steps we take to protect your information.

Specifically, this policy covers:

Before you provide us with any personal information (such as your name, address or date of birth) and / or when you register with us you should read this Privacy Policy. When you provide us with any personal information and when you register with us or ask us to provide you with any of our products or services, you agree that we may handle your information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy then you should not provide us with any of your information or continue to use this website.

Please note that we may update this Privacy Policy from time to time by posting a new version on our website and/or providing you with express notice of specific changes. You should check our website periodically for any changes which may affect you.

How we collect your information

We may collect your information when you indicate that you would like to receive any of our products and services, when you register with us, when you complete forms online, when you speak with us over the telephone, when you write to us and when you visit our website. We will collect details of transactions you carry out through our site and of the fulfilment of such transactions.

Where you permit the use of cookies (see the ‘Cookie’ section below), we use them to help personalise your web experience, ensure you can navigate our website efficiently and perform certain functions. Due to their core role of enhancing or enabling usability or site processes, disabling cookies may prevent you from using certain parts of this website. It will also mean that some features on this website will not function if you do not allow cookies.

How we use your information

Requesting access to tools and information

You may wish to have access to certain tools and information made available on our site before you decide that you would like to register to use our services, including our foreign exchange and payment service. We may collect your information as part of this access and use your information so that we can supply you with information about our services, our products and relevant market information.

Registration and administration

We use your information to enable you to register with us and, once your registration with us is complete, for the administration of your account, to contact you, to update our records about you, and to respond to and process your queries and requests.

Our products and services

We use your information so that we can supply you with our products and services which you use or have requested and to meet our contractual obligations to you. We also use your information to notify you about changes or developments relating to our products and services which you use or have requested.

Prevention and detection of crime

HiFX Europe Limited and the provision of our products and services are subject to the Money Laundering Regulations 2007 and regulation by HM Revenue and Customs. Some of our products and services are also subject to regulation by the Financial Conduct Authority (“FCA”).

This means that we must verify the information you give us as part of our customer due diligence obligations. In many cases this verification will happen automatically through the use of an electronic identification tool. Sometimes we may ask you to provide us with copies of personal identification documents (such as your passport or driving licence) and a proof of address (such as a bank statement or utility bill).

We may be required by the Money Laundering Regulations 2007, by HM Revenue & Customs, by the FCA or other regulatory bodies, by the police or other law enforcement agencies, by a court or otherwise by law to use your information in the detection, prevention or prosecution of crime, tax evasion or fraud.

Monitoring

We monitor and record our telephone calls with you and use any transcripts of them:

  • so we can be sure we fully understand the instructions you give us and our obligations to you
  • so we have a clear record of the products and services you have requested
  • for the purposes of the prevention or detection of money laundering or crime, including fraud
  • for the purposes of training and quality control.

Information sharing

We may share your information with the John Lewis Partnership. The John Lewis Partnership includes John Lewis Financial Services, John Lewis and Waitrose. Further information about John Lewis Partnership, together with contact information and details of its products and services, can be found at http://www.johnlewispartnership.co.uk.

John Lewis Partnership may use your personal data to enable it to review, develop and improve its products and services; for statistical research and analysis; and, unless you have indicated an objection when prompted, to help identify products and services that may be of interest to you and for direct marketing purposes.

Marketing

You will be given the opportunity to indicate your consent to receiving marketing communications, which includes information concerning special offers and promotions, from the John Lewis Partnership by post, phone, email, text and other electronic means unless you have indicated an objection to receiving such communications by ticking the relevant box(es) when prompted.

To change your John Lewis Partnership marketing preferences, please write to FREEPOST RRXE-JHJG-ZYSZ, 35 Harrison Road, Halifax, HX1 2AF.

EWI Group

HiFX is part of the Euronet Worldwide Inc. (EWI) group of companies. We may share your information with other members of the EWI Group of companies where we need to do so to provide you with any of the products or services you have requested for example, this may be to provide services outside of normal UK business hours.

Your instructions

We may share your information with anyone (for example, an agent) who you have asked us to contact.

Legal requirements

We may have to share your information with a government body or regulatory authority (such as HM Revenue and Customs or the FCA), with the police or other law enforcement agencies (for example, in connection with criminal prosecutions, money laundering or fraud investigations), or with other persons or bodies by order of a court or to meet a legal or regulatory requirement or for other lawful reasons, such as for taxation or audit purposes.

Credit controls or debt collection agencies

We may share your information with credit control or debt collection agencies, for example, if you owe us money and we engage their services to recover it from you.

On a business sale or purchase

If we decide we want to sell our business or receive an offer to buy our business we may have to share your information with a prospective purchaser and their legal, financial or other advisers. In these circumstances, we will take appropriate steps to ensure that your information is properly protected.

Others

Other than the John Lewis Partnership (and only where you have indicated your consent), we will not normally share your information with anyone else unless we need to do so to provide you with our products or services which you use or unless you have asked us to do so.

Please note that we are not responsible for and cannot be liable to you for any products or services available from or provided to you by anyone other than HiFX Europe Limited or any acts or omissions of anyone other than HiFX Europe Limited or its officers, employees, agents or sub-contractors.

Information sharing outside the UK

The nature of our products and services means that we may need to share your information with people or businesses based in countries outside of the United Kingdom, including in the EEA and outside the EEA. The EEA (or “European Economic Area”) comprises the EU member states, Iceland, Lichtenstein and Norway.

The countries to which we may need to send your information would normally be obvious to you. For example, if you have instructed us in connection with a purchase of a property in France then we will usually be dealing with people or businesses based in France (which may include banks, lawyers and estate agents) that are connected with the purchase, in order to fulfil our contractual obligations to you.

In many instances we will be dealing with people or businesses which you have asked us to deal with or who you already know or who already know you.

We may share your information with EWI group companies based outside of the EEA in order to provide you with the products and services you have requested.

Information security

General

We use your information only in accordance with this Privacy Policy and take all steps reasonably necessary to ensure we keep your information secure, for example by:

  • encrypting our online service via a secure 128-bit Verisign service
  • providing you with password protection and a log-in process designed to protect against certain well known viruses
  • making our online service automatically log you out after several minutes of non-use
  • disabling your access after multiple failed log-in attempts
  • maintaining our servers in multiple secure locations and having our online service penetration tested regularly by external experts.

Information security outside of the UK

All countries in the EEA have similar standards of legal protection for personal information. For this reason, we will not normally take further steps to ensure your information is protected when we share it with other people or businesses based in the EEA.

Where we share your information with people or businesses based outside of the EEA, if they are an EWI group company or, based in a country approved by the Information Commissioner, or are a signatory to what is known as the “Safe Harbour” regime (which applies to certain companies in the USA), then we will not normally take further steps to ensure your information is protected.

Where we share your information with people or businesses based outside of the EEA and they are neither a EWI group company nor based in an Information Commissioner approved country nor a signatory to the Safe Harbour regime, we will normally take appropriate steps to ensure that your information is suitably protected.

Your instructions

Where we share your information with people or businesses which you ask us to deal with or who you already know or who are already known you, wherever they are based, we will not normally make any further enquiry concerning them or take any further steps to ensure your information is protected.

Worldwide web

The Internet is not a secure environment.

While we take reasonable measures to keep your information secure, we cannot guarantee your online data security. We are not liable to you for any loss of data, injury or harm which occurs to you as a result of the transmission of your information over the Internet, unless this occurs as a result of our negligence or wilful misconduct.

Cookies

Cookies are small, often encrypted text files, located in your internet browser and are used by most websites. We use them to help personalise your web experience, ensure you can navigate our website efficiently and perform certain functions.

You are not obliged to accept cookies that we send to you and you can modify your browser so that it will not accept cookies. You should follow the instructions in your browser (usually located within the “Help”, “Tools” or “Edit” facility) to enable or disable cookies.

Due to their core role of enhancing or enabling usability or site processes, disabling cookies may prevent you from using certain parts of this website. It will also mean that some features on this website will not function if you do not allow cookies.

To find information on what cookies may be set please visit the ‘Cookie Policy’ section of our website. In addition you may wish to visit www.allaboutcookies.org which contains comprehensive information for a variety of browsers.

Your rights

We are required to handle information which we hold about you that is capable of identifying you (either alone or with any other information we may hold about you) in accordance with the Data Protection Act 1998 (“the Act”), which regulates the use of “personal data” in the United Kingdom.

You have the right under the Act to ask us in writing for details concerning the “personal data” we hold about you, including a description of that data, the purposes for which it is being used and to whom that data has been or may be disclosed. We may charge you an administration fee for providing you with this information.

You can find out more about the Act and your rights by visiting the website of the Information Commissioner at www.ico.gov.uk. The Information Commissioner's Office can also be contacted by telephone on 08456 306060.

How to contact us

If you have any questions about our Privacy Policy or your information, please contact us in writing by email at dataprotection@hifx.co.uk or by post to the Compliance Officer, HiFX Europe Limited, Morgan House, Madeira Walk, Windsor, Berkshire SL4 1EP (who is the “data controller” for the purpose of the Act).

How we use your data 

Your information:

HiFX Europe Limited is the Data Controller.

We summarise below how we collect and use your information. Further details are set out in our Privacy Policy.

Before registering with us you should read our Privacy Policy. When you register with us or ask us to provide you with any of our products or services, you agree that we may handle your information in accordance with our Privacy Policy.

How we collect your information:

We collect information about you when you:

  • Register with us
  • Ask us to provide you with any of our products or services
  • Speak with us over the telephone
  • Write to us
  • Visit our website

This may include personal information about you (such as your home address, email address or telephone number).

How we use your information

We use your information to supply you with our products and services and may share your information with others:

  • To enable us to provide you with our products and services
  • To meet our contractual obligations to you
  • To comply with any statutory, legal or regulatory requirement
  • Where you ask us to do so.

Monitoring

We may monitor and record any telephone discussions we have with you and use any transcripts of them, for example so we can be sure of our obligations to you, in the prevention or detection of money laundering or crime, or for training purposes.

Cookies

We use cookies to try and make Our Website as simple as possible for you to use and to help us maintain standards. Cookies are text files placed on your computer to collect internet log information and visitor behaviour information.

Marketing

We may send you marketing information concerning products or services which you use or similar products or services which may be of interest to you. This may include information concerning promotions or offers which could benefit you.

You will be asked how you would like to be kept informed when you register with us.

John Lewis International Payments provided by HiFX Europe Limited. HiFX Europe Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, registration 462444, for the provision of payment services. HiFX is also a registered money services business with HM Revenue & Customs. Registration
number 12131222. HiFX is a limited company registered in England and Wales. Registered number: 3517451. Registered office: Morgan House Madeira Walk, Windsor, Berkshire, SL4 1EP.


HiFX® is the registered trade mark of HiFX Europe Limited. © 2009, 2010, 2011, 2012, 2013, 2014, 2015 HiFX Europe Limited. All rights reserved.


Email: info@johnlewisinternationalpayments.com
Web: https://johnlewisinternationalpayments.com
Tel: +44 (0)1753 829050