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Legal

Personal data

How is my personal data protected by Gimi?

All user data is protected by extensive fire walls on encrypted servers. We are compliant with GDPR, The Swedish Data Protection Authority and PCI DSS. Gimi never shares or sells any user data with third parties, except when required for legal reasons, such as with our card issuer and ID verification provider for card users.

How can I delete my personal data?

If you delete your user account all of your personal data will be deleted. Please not that it's not enough to uninstall the app, you need to delete the account from inside the app.

Why do I need to verify my identity when I order the Gimi card?

According to law Gimi has to ensure your identity when you order the card. This is needed to prevent money laundering and financing of terrorism.

Gimi has the security standard PCI DSS level 3 compliant, what does that mean?

PCI Payments Security Council is an organisation founded by American Express, Discover, JCB International, MasterCard and Visa which aims att benefitting security and help companies and financial institutions to maintain a high security standard. PCI Payments Security Council has developed security standards and companies may be certified according to these standards. Gimi is a certified according to the standard PCI DSS level 3 which among other things means:

* Gimi has built and maintains secure network,

* Protects the cardholders data,

* Has a risk management program,

* Implemented strong measures for competence control,

* Regularly monitor and test networks and

* Has a policy for information security

according to the requirements of Payments Security Council.

E-Money

What is E-money?

E-money is an abbreviation for electronic money. E-money is a monetary value that is stored electronically, represented by a claim on the issuer and can be widely used for making payments. The E-money on the Gimi Card is issued by Prepaid Financial Services

Does Gimi offer a savings account?

No, neither Gimi nor Prepaid Financial Services offer a savings account. Instead your E-money is stored in an E-wallet. You earn no interest on your E-money and you cannot withdraw funds that has been transferred to the E-wallet. The E-money held in the E-wallet is connected to the Gimi Card can be spent using the Gimi Card.

Do I earn interest on the E-money on the Gimi Card?

No, you do not earn interest on the E-money on the Gimi card.

How is the E-money on the Gimi card protected?

The E-money is protected in Prepaid Financial Services' internal system. A corresponding amount to your amount of E-money is held on a bank account in Prepaid Financial Services's name at the bank Barclays.

What happens with my E-money if Gimi goes bankrupt?

There are two possibilities.
1: The E-money on the Gimi card will be repaid to you.
2: Prepaid Financial Services will transfer the prepaid card to another company and the E-money can continue to be spent with the card.

Is the money held at Barclays protected by the Financial Services Compensation Scheme?

No, the money that is held in Prepaid Financial Services name at Barclays is not protected by the Financial Services Compensation Scheme.

As a customer of Gimi Master, what is my relationship with Prepaid Financial Services?

You are a customer to Prepaid Financial Services and the product you bought is the Gimi Card. For more information please see the Issuer terms.

Partners

Prepaid Financial Services

Prepaid Financial Services is a registered E-money institute in the United Kingdom and operated under a license from Mastercard to issue the Gimi cards that are connected to Mastercard card network. Prepaid Financial Services has given out more than 5 million prepaid cards has more than 1700 commercial customers. Prepaid Financial Services partners involves among other national governments, mobile network operators and bank. For more information please see Prepaid Financial Services web page: https://prepaidfinancialservic...

Mastercard

Mastercard is one of the worlds largest card networks. Mastercard do not issue the Gimi card, it is issued by Prepaid Financial Services. For more information please see https://www.mastercard.us/en-u...

Klarna

Instantor is a Swedish company that among other things offers a solution for customer authentication. When you apply for the Gimi Card, the law demands that you verify your identity. This is to prevent fraud, money laundering and financing of terrorism.

Onfido

Onfido is an American company that offers a solution for validation of ID-documents. When you apply for the Gimi Card, the law demands that you verify your identity. This is to prevent fraud, money laundering and financing of terrorism. For more information please see https://onfido.com/about/

Stripe

Stripe is a company that provides payments solutions. Stripe has millions of customers and is used by Google, Amazon, Microsoft, Spotify and Nasdaq among others.

About Gimis registration at Finansinspektionen

Gimi is registered as an account information service provider at Finansinspektionen and is under its supervision. Account information services are services where you give your approval to a third party (Gimi) to access your account information (your account at Prepaid Financial Services) and can show it to you, for example in an app.

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