Affiniture Cards Limited trading as Diners Club ("we", "us", "our") are committed to protecting and respecting your privacy.
This policy explains how we use any personal information you provide us with or we collect about you. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
For the purpose of the Data Protection Act 1998 (the "Act"), the data controller is Affiniture Cards Limited, International House, Kingsfield Court, Chester Business Park, Chester, CH4 9RF. We are registered with the UK Information Commissioner under the Act and our registration number is Z3111845.
Information we may collect from you
We may collect and process the following data about you:
- Information that you provide by filling in application forms either on our site www.dinersclub.co.uk ("our site") or otherwise. This includes information provided at the time of making an application for credit, registering to use our site, subscribing to our service, managing your account through our site or requesting further services. We may also ask you for information when you report a problem with our site;
- Information which you provide when we contact you, or when you contact us, by phone, email, text, fax or post. We may keep a record of that correspondence, including monitoring and / or recording telephone calls;
- Details of transactions and payments you carry out through our site and of the fulfilment of your orders;
- Details of transactions and payments you carry out using your card;
- Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access;
- Information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual; and
- Information which we obtain about you from any other sources.
How we use your information and disclosures to third parties
We use information held about you in the following ways:
- To ensure that content from our site is presented in the most effective manner for you and for your computer.
- To allow you to participate in interactive features of our service, when you choose to do so.
- To notify you about changes to our service.
- To assess and process your application for credit.
- To provide you with information, products or services that you request from us or, where you have consented to this, products or services which we feel may interest you.
- To manage your account and carry out our obligations arising from any contracts entered into between you and us.
- To carry out or obligations arising from any contracts with your employer.
For the purposes noted above, we may transfer personal data which we hold about you to:
- Other members of our Group;
- Our subcontractors;
- Third party service providers, including those who provide any benefits associated with your card; and
- Financial institutions.
In addition, we may transfer information which we hold about you to your employer (or to another member of your employer's Group of companies) and to credit reference, fraud prevention and other law enforcement agencies, or other third parties where we are required or permitted by law to do so.
We may also disclose your personal data, in the event that we sell or buy any business or assets, to the prospective seller or buyer of such business or assets. In addition, if Affiniture Cards Limited or substantially all of its assets are acquired by a third party, the personal data held by us about our customers will be one of the transferred assets and we may disclose your personal data to that third party or any other member of its Group of companies. The data will be used for the same or similar purpose as before and personal data shall not be further processed in any manor incompatible with the intended purpose or purposes. Should there be any difference between what you were originally told and what the recipient organization intends to do with the information, then you will be advised of this within a reasonable period of time.
Further information about how we use your information which we collect when you make an application to us or carry out transactions using your card can be found in the terms and conditions applicable to the product in question.
Where we store your personal data
Some of the parties detailed above to which we may transfer your personal data may be located outside the EEA in jurisdictions which do not necessarily offer the same level of protection for personal data as countries within the EEA. In particular, we will transfer details of transactions which you carry out using your card, including your name and card number, to the USA.
We will ensure that there are adequate protections for your personal data in place before we transfer your data to these parties.
All the information you provide us is stored in a secure computing environment protected by secure firewalls to try to prevent unauthorised access. Our website and database of information is held on a secure server. When we transfer any of your information it will be password protected.
Credit checks and automated credit scoring
As part of your application to us for credit and any relevant insurance, we will search your record with various credit reference agencies who will supply us with both credit and identity information about you. The credit reference agencies will add details of our search to your record whether or not your application is successful.
We will use the information supplied by the credit reference agencies in order to determine whether to accept your application for credit. Acceptance or rejection of your application may depend solely on the results of an automatic credit scoring process.
We will notify you if we make a decision whether or not to grant you credit on a wholly automated basis. If your application is rejected you have the right to object, within 21 days of our refusal of your application, to our use of automated credit scoring in assessing your application and may request that we reconsider the decision or take the decision on a different basis. If you wish to make such an objection, this should be sent in writing to Diners Club International, PO Box 3776, Chester, CH1 9YD, UK within 21 days of our refusal of your application. Objections received outside this 21 day period will not be considered.
We may give the credit reference agencies details of any non-payment associated with your account, where:
- You have fallen behind with your payments;
- You have not made proposals satisfactory to us for repayment of your debt following a formal demand; and
- You have been given at least 28 days notice of our intention to disclose.
- We may undertake additional searches at the credit reference agencies when considering your application or during the life cycle of your account if: (a) the information you provide does not lead to a result enabling a decision to be made as to whether to issue a card; (b) to manage your account; (c) information is needed to make a decision about your credit limit; (d) you have requested additional products or services from us.
We may contact you (including by email, telephone or SMS) from time to time with details of our products or services which we think will be of interest to you or transfer your data to third parties who may contact you regarding their products or services. We will not use your data for these purposes unless you indicated your consent (by ticking the box on the application form or otherwise expressly stating your consent) when you provided us with your information.
You can withdraw your consent to our use of your data for marketing purposes at any time by contacting us at Diners Club International, PO Box 3776, Chester, CH1 9YD, UK.
A cookie is a small text file, which often includes a unique identifier that is sent to your computer or mobile phone (referred to here as a "device") browser from a website's computer and is stored on your device's hard drive. There are various types of cookies which perform different functions, such as remembering the information you provide in your application for credit or recording your browsing habits. The information recorded by the cookie is retrieved on the user's next visit to the site and thereby avoids having to ask for the specific information each time you visit.
On our site, cookies record information about your online preferences, remember information about you when you visit our site and compile statistical reports on website activity. Some cookies are used that are essential in order to provide our services to you. Cookies cannot harm your computer as they cannot carry viruses or install malware or collect personal information from your computer.
We also use browser web storage and web beacons. Browser storage enables websites to store data in a browser on a device. When used in "local storage" mode, it enables data to be stored across sessions (for example, so that the data are retrievable even after the browser has been closed and reopened). A web beacon is an electronic file that signals when a webpage, advertisement, video, other content, an email, or a newsletter has been viewed. Diners Club uses web beacons in conjunction with cookies to collect data that helps us better understand how visitors move from page to page within websites.
Information supplied by cookies can help us to analyse the profile of our visitors and help us to provide you with a better user experience. Below we have set out the cookies that we use on our website:
Cookie name: ACLCookieConsent_Status
Cookie name: ACLSessionId
This encrypted cookie is set by our content management system, upon arrival to our site. This cookie is deleted when you close your browser.
Cookie name: ACLWelcome
We use this cookie to record whether a welcome message has been viewed on your first visit of the website.
Google Analytics (Cookies names: __utma, __utmb, __utmc, __utmz)
We also use Google Analytics which is a web analytics service provided by Google, Inc. It enables us to a) perform analyses of information on location, interests and the like to learn about our visitors and b) to measure the performance of our website and website content allows us to monitor usage of our site and we use the results in order to help us improve our site for users. The information collected is in an anonymous format and will not identify you as an individual.
To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout (this link takes you outside of www.dinersclub.co.uk).
These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information. More information is available at www.AboutCookies.org (this link takes you outside of www.dinersclub.co.uk).
You have a right to access the information which we hold about you. You can exercise this right by contacting us at Diners Club International, PO Box 3776, Chester, CH1 9YD, UK. Please note that a fee of £10 may be payable to meet our costs in providing you with this information.
We want to make sure that your personal information is accurate and up-to- date. You may ask us to correct or remove information you think is inaccurate.
Where our site contains links to other sites provided by third parties, e.g. partner networks, advertisers and affiliates, please note that if you follow these links that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check their policies before you submit any personal data to these websites.