This Privacy Policy covers the provision of the Service and our website
only. It does not cover any third party provider sites, including those you may access from our website or by using the Service. If you choose to disclose your personal information directly to other companies, your personal information will be dealt with according to those companies' privacy practices and we cannot accept any liability or responsibility for such other companies or their web sites.

Mi-Pay provides the TopUp Direct Service that enables you to TopUp your or your nominated friends’ prepaid mobile phone accounts. When we refer to "we" or "our" or “us” in the privacy policy we are referring to Mi-Pay Limited.

Our formal trading details are as follows: Mi-Pay Limited is registered in England number 5410501 and its registered address is, Red House, Brookwood, Surrey GU24 8BZ

We take our responsibilities and obligations under the Data Protection Act 1998 and related legislation very seriously, and have taken steps to ensure compliance with those provisions.

We have developed this privacy policy to reassure you about the privacy and security of the personal information you disclose to us when you register and use our services.

If you only browse our website we do not collect any personal information from you but we may gather anonymous information (using cookies) to improve the browsing experience on our website.

Please read this Privacy Policy carefully. If you are visiting our website, you indicate your agreement to our use of your personal information as set out in this Privacy Policy by continuing to use our website. If you want to register for the Service, you will be presented with, and asked to accept, this Privacy Policy during registration.

This website uses cookies. Cookies collect information about your use of the website, including things like your connection speed, details of your operating system, the time and duration of your visit and your IP address. The information collected by cookies enables us to understand the use of our site, including the number of visitors we have, the pages viewed per session, time exposed to particular pages etc.
This in turn helps us to provide you with a better experience, since we can evaluate the level of interest in the content of our website and tailor it accordingly. We will not attempt to personally identify you from your IP address unless required to as a matter of law or regulation or in order to protect our or our other customers' rights. Most browsers automatically accept cookies. You can set your browser options so that you will not receive cookies and you can also delete existing cookies from your browser. However, you may find that some parts of the site will not function properly if you refuse cookies.

We use other companies to provide parts of our services. We may provide your personal information to these companies to enable them to help us provide you with these services.

Personal information is information that can be used, or is capable of being used, to identify an individual. It would include, for example your name and address, mobile phone number, bank and card details.

We collect personal information when you register to use our services, when you log-in and update your account details that you have with us, and when you use the service.

The main reasons for which we collect and store your data are to:

• Create an account for you to use this service
• Update your account with changes that you have made or is sent to us by your bank or card issuer
• Check that you are a registered customer by requesting a password or PIN or other security information before allowing you to use the service
• Record transactions made by you, for example, topping up mobile phone airtime
• Collect payment from you
• Customise the content and/or layout of our page for each individual user
• Communicate with you to confirm transactions you have made or changes to your account details
• Enable us to comply with our legal and regulatory obligations.

We may verify any information you provide with third party fraud prevention agencies and it is therefore extremely important that the information you give us is accurate and up to date. Please note that your personally identifiable information will be processed by third party fraud prevention agencies based in the United States. The laws on holding personal data in the United States may be less stringent than the UK laws but we will hold and transmit your personal information in a safe, confidential and secure environment. All third parties based in the United States are certified with the Department of Commerce Safe Harbor Program. The Safe Harbor Program incorporates Data Protection Principles, which govern the transmission and processing of personal information sent from EU member countries to the United States. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the Service.

We treat the information you provide to us with the utmost confidentiality and will only disclose it to third parties:

• when you provide us with your consent;
• in order to provide elements of our services (e.g. credit reference agencies);
• in order to receive professional advice;
• in relation to the investigation or prevention of crime;
• as may be required by law (including at the request of any regulatory body or governmental agency).

Sometimes your mobile network services provider will contact you directly to resolve a query raised by you regarding the service. Your mobile phone network service provider may also use your personal data provided by us to contact you for marketing purposes.

We deploy appropriate security measures in order to protect the information you provide to us, however you acknowledge that your use of the Internet and our website is entirely at your own risk and that we cannot accept any liability for the security of any data that is transmitted via the Internet.

We may monitor, record, store and use any SMS, telephone, email or other electronic communications with you for training purposes, so that we can check any instructions given to us and to improve the quality of our Services.

From time to time we will also monitor usage of our Service for operational reasons and to ensure that you are not misusing any of the services provided to you.

We may revise this policy at any time by posting the revised policy on the [web site address]. Your continued use of the service will mean that you accept those revisions.

You have the right to see the personal data held on you by us. Mi-Pay charges the maximum fee permitted by statute (currently £10) for providing this information. If you would like to exercise this right, or have any concerns about the personal data held on you, please put your request in writing to:

Customer Services
Mi-Pay Ltd
Drake House, Three Rivers Court
Homestead Road
Rickmansworth
WD3 1FX

We will amend or delete any personal data relating to you that are found to be incorrect or no longer valid.