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Chip In Limited (“Chip In”, “we”, “us”, “our”) is a company incorporated in England & Wales (registration number 10067020), of 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ. Chip In is the data controller for the purposes of the Data Protection Act 1998. If you have any queries about our Privacy Policy or if you believe that the security of your account has been compromised, please get in touch with us by email to addressed for the attention of Customer Services.

Our Privacy Policy

This Privacy Policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. You should read these terms carefully and make sure that you fully understand them. Your download, installation or use of our Chip In mobile application (“App”) constitutes acceptance of this Privacy Policy. If you do not agree to these terms, you cannot use the App. Additional terms, such as our End User Licence Agreement (“EULA”), will also govern the relationship between us, our ability to change this Privacy Policy and your use of the App. This Privacy Policy applies to the use of any updates or changes to the App that we may issue from time to time. We keep the Privacy Policy under review and may change or update it from time to time. If we decide to do this, we will post such changes or updates on our App and/or website, at which point the amendments will be effective and will bind all future uses of the App by you. Our Privacy Policy was last updated on 27th September 2016.

Information we may obtain

We may collect and process the following data about you:

Information you give us.

You may give us information about you by creating an account with us, by using the App (such as inputting savings goals or uploading photographs), or by corresponding with us or with others via the App. The information you give us may include your name, address, e-mail address, phone number, country of residence, nationality, passport details (or other identity document details), occupation, date of birth, financial and credit/debit card information including savings and goal details, contact lists, a personal description and photograph(s). Information we collect about you. Each time you access the App we may automatically collect the following information:

 technical information, including your Internet protocol (IP) address and login information; and information about your use of the App including via analytics software.

Information we receive from other sources.

We work closely with third parties (including, for example, business partners who offer services which supplement and/or complement those offered via the App, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers and credit reference agencies) and may receive information about you from them.

Uses made of the information

We use information held about you in the following ways:

Information you give to us. We may use this information:

to operate and make available the App and provide goods and services to you; to carry out our obligations arising from any contract entered into between you and us and to provide you with information, products and services in connection with the App; to allow selected third party service providers to enable your use of the services provided in the App. This information may be passed on to stored and used by the third party service providers (including our E-money service provider). The third party service providers may pass on information held about you to their own subcontractors and partners where such disclosure is reasonable required to provide any information, products or services in connection with the App or (where applicable) this is necessary to their business as an issuer of electronic money; for marketing purposes, subject to your rights. You have the right to ask us not to process your personal data for marketing purposes. If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, you may adjust your user settings in the App once registered. to notify you and other users of user activities on the App in accordance with the notification preferences you have selected; in an aggregated and anonymised format to sell to third parties – this information will not contain any personally identifiable information; to notify you about changes to the App or any other service we provide to you; and as part of our efforts to keep our site safe and secure.

Information we collect about you. We may use this information:

to administer our App and for business operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;

to improve our App to ensure that content is presented in the most effective manner for you; in an aggregated and anonymised format to sell to third parties - this information will not contain any personally identifiable information;

to allow you to participate in interactive features of our App, when you choose to do so; and

as part of our efforts to keep our App safe and secure.

We may use information we receive from other sources for any of the above purposes, depending on the nature of the information. Third parties will process and manage your data in accordance with their own privacy policies.

Disclosure of your information

Except as described in this Privacy Policy, we will not share your personal data with any third party without your consent.

We may share your personal information with any subsidiary or holding company of Chip In and any subsidiary of any such holding company. We may share your personal information with selected third parties, including:

business partners, suppliers, sub-contractors and third party service providers; for example: hosting providers;

advertisers that require your data to select and serve relevant adverts to you; 

hosting, analytics, survey, search engine and other technical assistance providers that assist us in the improvement and optimisation of theApp;

to any entity in connection with its intended purchase of a company or business in the Chip In group, upon completion of which transaction, personal data held by the relevant Chip In group company about its customers will be one of the transferred assets (whether transferred via a business or share sale); and

if such disclosure is reasonably required in order to comply with any legal obligation, or in order to enforce or apply our EULAand other agreements; or to protect the rights, property, or safety of Chip In, our customers, or others (including by exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction).

Certain of your personal data may also be shared with other users of the App as part of its normal operation. For example, your profile picture, name, shared savings goals and biographical information that you add may be accessible to users.

Where we store your personal data

The data that we obtain is stored on third party servers. Such data may be transferred to, stored at and/or processed by Chip In or a third party at a destination outside the European Economic Area ("EEA"). By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

The transmission of information via the internet is not completely secure. Although we will endeavour to protect your personal data, we cannot guarantee the security of your data transmitted via the App; any transmission is at your own risk. Once we have received your information, we will use security features to try to prevent unauthorised access.

Data retention

We will keep your information for a reasonable period of time to allow us to make use of it for the purposes described in this Privacy Policy, or as long as the law requires.


The App may, from time to time, contain links to third party domains. Please note that operators of these third party domains will have their own privacy policies and that we do not accept any responsibility or liability for these policies or for any personal data that they may collect.

Your rights You have the right to access information held about you. Your right of access can be exercised in accordance with the Data Protection Act 1998. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.