Online Account Management Terms and Conditions
At Ikano we believe in keeping the information you give us safe. We follow strict security procedures on how your personal information is stored and used. By using our online account management services, you are agreeing to be bound by these Terms and Conditions.
By registering for online account management you will only receive online statements and will not be sent paper statements. You will also receive e-mail alerts to notify you when your statement is ready to view online.
We take care to ensure your data is secure whilst you are on our site, including asking for information when you log on so that we can verify your identity. In addition you should take all reasonable precautions to keep your security details safe, such as making sure that no one can see them when you log on and not writing them down in a way that could be understood by someone else.
The terms and conditions of the credit agreement you entered into are not affected by choosing online account management as your statement channel, and you must continue to adhere to these. Please refer to the copy of your credit agreement for more information.
Ikano is registered with the Information Commissioner as a data controller and a data processor. This policy describes how we collect, use and look after the information you provide us with when you visit our site.
Our online account management service contains links to other third party websites. We do not have any control over these websites so please refer to their privacy policies if you decide to follow one of these links.
Information we may hold:
Information that you have provided to us including but not limited to when you:
Information you provide to us when applying through the website or online account management service for registration, subscribing to any of our services or requesting further services. If you contact us for any reason, we may keep a record of that correspondence. We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
Information we collect using cookies stored on your device. Please see the section on cookies for more information and how to manage them.
Your IP address
Details of your visits to the website and online account management service including, but not limited to, traffic data, location data and other communication data and the resources, advertisements and linked sites that you access.
Information provided to us by other companies who have obtained your permission to share information about you.
What information do we collect?
This is what we normally collect about you to help us provide you with Ikano services, and to improve them even more, where we can:
Contact details such as name, address, email and telephone number (including mobile number).
In order to help us develop and improve our online account management service we collect information about how you use the site. This includes details of your domain name and Internet Protocol (IP) address, operating system, browser version, cookie details, how long you stayed on a page, the route you took to navigate through the pages and the website that you visited prior to accessing our site. (Please refer to our Cookies Policy for further information)
Other data we occasionally ask you to provide us with, for example now and again we might ask you to fill in a survey, just so you can let us know how we're doing.
We may ask you to create usernames and passwords so that you can access secure areas of the site, such as for online account management.
Using your information
Collecting this information helps us better understand what you need from us. We use it to offer you products and services that we hope will be of interest to you. The main uses of your data are:
- to enable us to review, develop and improve the products and services.
- to send you details of products, services, special offers and rewards from us or on behalf of our retail partners, or other third parties, if you have consented to us using your data in this way.
Disclosing your information
Here's when we may provide information about you:
- to Ikano employees to deal with any accounts, products and services provided to you by us.
- with your agreement, to other associated companies whose products and services may be of interest to you.
- we may use aggregate information and statistics for the purposes of monitoring website usage in order to help us develop the website and our service and may provide such anonymised aggregate information to third parties for example content partners and advertisers. These statistics will not include information that can be used to identify you personally. Please refer to our Cookies Policy for further details.
We will not pass on your personal information to third parties except in accordance with this policy and our Terms and Conditions or where we are required by law to disclose that information.
Protecting your information
Any information sent to us by customers via our secure website is protected by encryption using Secure Socket Layer (SSL) technology. This is industry standard encryption technology that protects your data whilst being sent over the internet from being intercepted and misused by third parties. When it reaches us, we then store it on secure servers so that it can only be read by authorised personnel.
We take security extremely seriously but as no system is 100% secure, we can’t completely guarantee the protection of your personal information, any more than any other organisation can. So we can’t accept any liability for the loss, theft or misuse of your personal details when they are processed on this online account management service or the internet generally.
Accessing your information
You have full access to all information stored about you. You can ask us at any time to give you details about what your information is being used for and who else might see it. You may have to pay a small administration fee for this. Also, please ask if you would like us to change or delete any personal information you have previously given us. If we can we will, but sometimes we have to keep your records for legal reasons. If you'd like us to send your information, you can write to our team at the address at the bottom of this policy.
Marketing our products and services
Subject to your consent, we may contact you by mail, telephone, email, other electronic messaging services (such as text or voice messages including using automated calling systems) with information about relevant products and services (including discounts and special offers). We will not disclose your personal information to third parties for marketing purposes without your consent.
If you wish to receive information and offers from us and other companies, and you have not previously given us your consent, let us know by emailing us at optin@ikano.net If you're already receiving information about special offers and rewards from us then don't worry, you don't need to do anything. We'll assume that you're happy to continue receiving information unless we hear from you. However if you no longer wish to receive such information from us please contact our customer services team. Remember that if you say you do not wish to receive any promotional material from us, this will preclude you from receiving any of our special offers or promotions which may be of interest to you.
Cookies
Cookies are small files placed on your computer's hard drive, or in your browser memory when you visit our online account management service. They tell us what parts of the site you visit, what you like and what's most relevant to you. What cookies don't do is store any personal or confidential information about you.
Click here to read more about our Cookies Policy including details on how to opt out from cookies.
Transfer of your personal data outside the EEA
Countries outside the European Economic Area may have a lower standard of protection for personal information than that required by the Data Protection Act 1998. If we need to transfer your data to a company based outside the EEA, we will take steps to make sure your personal data is handled in line with UK law.
Future Changes
Any changes we make to our policy will be put on our website. Please check for updates from time to time, so you’re always fully aware of what information we collect, how it’s used and under what circumstances it may be passed on.
Contacting us
If you have any questions or concerns about our use of your personal information you should write to the Data Protection Officer, Ikano Bank AB (publ), PO Box 10081, Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 9LX.
Status Disclosure
Karen Millen Card is a trading name of the UK branch of Ikano Bank AB (publ), which is registered with branch number BR016253. The registered office of the UK branch of Ikano Bank AB (publ) is Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ. The trading name is used by agreement with Karen Millen Fashions Ltd.
Law
Your Karen Millen Card agreement is governed by the laws of England and Wales. The courts of England will have non-exclusive jurisdiction for any related disputes. This Site is only intended for use by individuals in the UK. If you choose to access this Site from any other locations, it's your responsibility to comply with all applicable local laws.
Ikano Bank is a trading name of the UK branch of Ikano Bank AB (publ), which is registered with branch number BR016253. Registered in Sweden No. 011153. The registered office of the UK branch of Ikano Bank AB (publ) is Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ.
Ikano Bank is authorised in Sweden by the Swedish Financial Supervisory Authority (Finansinspektionen) and in the United Kingdom by the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.
The FLA Lending Code
Ikano Bank AB (publ) is a member of the Finance and Leasing Association (FLA) and follows the FLA Lending Code. This code sets out standards of good practice for the finance industry and provides you, the customer, with reassurance that you are dealing with a reputable organisation. Copies of the FLA Lending Code are available upon request from us or via www.fla.org.uk.
Complaints procedure
Ikano Bank AB (publ) has a complaints procedure which aims to resolve customer issues, a summary of which is available on request. If the complaint is not resolved using this process you are entitled to refer the matter to the Financial Ombudsman Service www.financial-ombudsman.org.uk. The European Commission offers a service for resolving disputes between consumers and online traders - go to https://ec.europa.eu/consumers/odr.
Internet Terms and Conditions
Please read these conditions carefully before using this website ("the Site"). In these conditions "we", "us" and "our" means Ikano Bank AB (publ), trading as The Karen Millen Card, and "you" means the individual using the Site. We may change these conditions at any time without notice.
Copyright
The entire content of this Site is subject to copyright with all rights reserved, and the information contained on it is for your personal use only. You may not download, transmit or modify any part of the Site without our prior permission.
Third Party Products and Services
Where we provide links to other people's sites we are not endorsing their products or services. Your use of these links is entirely at your own risk and we can't accept responsibility or liability for the content, use or availability of these sites. We have not checked the content of these sites. This Site may also contain some material provided by third parties and we can't accept responsibility or liability for the accuracy of that material.
You may not link any other website to this Site without obtaining written consent from us in advance.
No Warranty
Although we've taken all reasonable care to make sure that the information provided on this Site is accurate, we give no warranties of any kind, express or implied, about its accuracy or completeness.
No Liability
We won't be liable for any damages or direct or indirect loss in connection with your use of, or inability to use the Site or any failure or delay by us in performing our obligations. This includes any loss of profit, income or business opportunity together with any loss arising from any computer virus or system failure. We may modify, withdraw or suspend the Site or any part of it without notice at any time.
These terms and conditions were last updated 20/10/2016