Privacy policy

This Privacy Policy applies between you, the user of this website and Mintly Ltd, the owner and provider of this website and related software services. Mintly Ltd takes your privacy very seriously. This policy explains how we collect, use, and protect personal data when you visit our website or use our services, including our Bank Validation Services (the “Services”).

This Privacy Policy should be read alongside, and in addition to, our Terms and Conditions.

Please read this privacy policy carefully.

Definitions and interpretation

In this privacy policy, the following definitions are used:

Data	means any information that you submit to Mintly Ltd via the Website or Services that can identify you, directly or indirectly, including personal data as defined in applicable Data Protection Laws.
Data Protection Laws	means the UK GDPR, the Data Protection Act 2018, and any other applicable laws relating to personal data processing.
Controller	means the party that determines the purposes and means of processing personal data.
Processor	means the party that processes personal data on behalf of a controller.
Cookies	means small files placed on your device by our Website to enable functionality and analytics.
Website	means www.mintly.uk and any related subdomains.
Services	means the Mintly Bank Validation API and associated dashboards, online tools, and subscription services.
Mintly Ltd, we or us	Mintly Ltd, a company incorporated in England and Wales with registered number 14347501 whose registered office is 86-90 Paul Street, London, EC2A 4NE;
User or you	any third party that accesses the Website and is not either (i) employed by Mintly Ltd and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to Mintly Ltd and accessing the Website in connection with the provision of such services;

In this privacy policy, unless the context requires a different interpretation:

1. the singular includes the plural and vice versa;
2. references to sub-clauses, clauses, schedules or appendices are to sub-clauses, clauses, schedules or appendices of this privacy policy;
3. a reference to a person includes firms, companies, government entities, trusts and partnerships;
4. "including" is understood to mean "including without limitation";
5. reference to any statutory provision includes any modification or amendment of it;
6. the headings and sub-headings do not form part of this privacy policy.

Scope of this privacy policy

This privacy policy covers:

1. personal data collected by Mintly Ltd as data controller (e.g., website, account registration, marketing, and billing data); and
2. personal data processed by Mintly Ltd as data processor on behalf of customers using the Bank Validation Services.

It does not extend to any websites that can be accessed from this Website, including external links or embedded third-party tools.

Data Controller and Data Processor Roles

(a) Website and Account Data

For website visitors, account holders, and marketing activities, Mintly Ltd acts as the Data Controller. We determine how your personal data is collected and used.

(b) Bank Validation API Data

For customers using our Bank Validation API or dashboard tools, Mintly Ltd acts as a Data Processor. We process any personal data transmitted through our API (e.g., bank account or sort code information) solely on behalf of, and under the instructions of, the customer (the Data Controller). Processing of such data is governed by a separate Data Processing Addendum (DPA) between Mintly and each customer, in compliance with Article 28 of the UK GDPR.

Data we Collect

We may collect the following personal data:

• Name and contact details (email, phone number)
• Business name and address
• Billing and payment details (processed via Stripe)
• Account login details
• Technical information (browser type, IP address, device type, operating system)
• Usage data (API usage metrics, dashboard interactions)
• Communication preferences
• Any data transmitted through the Bank Validation API (when acting as processor)

How we collect Data

We collect Data in the following ways:

1. Directly from you - when you register for an account, contact us, subscribe to a plan, or use our services.
2. Automatically - through cookies, server logs, and usage monitoring tools.
3. From third-party sources - such as payment processors or analytics providers.

How we Use Your Data

We you personal data for the following purposes:

Purpose	Legal Basis
To provide and manage your account or subscription	Performance of a contract
To deliver and maintain the Bank Validation Services	Performance of a contract
To improve our website and services	Legitimate interests
To contact you about updates, offers, or new features	Consent or legitimate interests
To ensure security, prevent fraud, and detect misuse	Legitimate interests
To comply with legal or regulatory obligations	Legal obligation

Data Retention

We retain data only for as long as necessary to fulfil the purpose described above:

• Account and billing records: up to 6 years after termination (for tax and legal compliance).
• Website analytics and marketing data: up to 24 months, or until you withdraw consent.
• API transaction logs: typically retained for 30 days for monitoring, misuse detection, and service improvement, then securely deleted or anonymised.
• Backups: may persist for a limited time before secure deletion.

Who we share Data with

We may share your Data with the following groups of people for the following reasons:

1. our employees, agents and/or professional advisors - to help provide our services and to obtain advice from professional advisors ;
2. third-party providers, including
   • Stripe (payment processing)
   • Google Analytics and Microsoft Clarity (website analytics)
   • Calendly (appointment scheduling)
   • Tawk.to (live chat)
   • Hosting providers (data storage and service delivery)
3. relevant regulators or authorities - to facilitate the detection of crime or the collection of taxes or duties.

Some providers may be located outside the UK. Where data is transferred internationally, Mintly ensures appropriate safeguards, such as Standard Contractual Clauses (SCCs) or adequacy decisions approved by the UK Government.

Keeping Your Data secure

We implement appropriate technical and organisational measures to safeguard your data, including:

1. Encryption in transit and at rest.
2. Secure servers with access controls.
3. Role-based access and least privilege policies.
4. Regular security reviews and audits.
5. Incident detection and breach response procedures.

Technical and organisational measures include measures to deal with any suspected data breach. If you suspect any misuse or loss or unauthorised access to your Data, please let us know immediately by contacting us via this e-mail address: info@mintly.uk.

If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.

Your Data Protection Rights

You have the following rights in relation to your Data:

1. Right to access - the right to request (i) copies of the information we hold about you at any time, or (ii) that we modify, update or delete such information. If we provide you with access to the information we hold about you, we will not charge you for this, unless your request is "manifestly unfounded or excessive." Where we are legally permitted to do so, we may refuse your request. If we refuse your request, we will tell you the reasons why.
2. Right to correct - the right to have your Data rectified if it is inaccurate or incomplete.
3. Right to erase - the right to request that we delete or remove your Data from our systems.
4. Right to restrict our use of your Data- the right to "block" us from using your Data or limit the way in which we can use it.
5. Right to data portability - the right to request that we move, copy or transfer your Data.
6. Right to object - the right to object to our use of your Data including where we use it for our legitimate interests.

To make enquiries, exercise any of your rights set out above, or withdraw your consent to the processing of your Data (where consent is our legal basis for processing your Data), please contact us via this e-mail address: info@mintly.uk.

If you are not satisfied with the way a complaint you make in relation to your Data is handled by us, you may be able to refer your complaint to the relevant data protection authority. For the UK, this is the Information Commissioner's Office (ICO). The ICO's contact details can be found on their website at https://ico.org.uk/.

It is important that the Data we hold about you is accurate and current. Please keep us informed if your Data changes during the period for which we hold it.

Links to other websites

This Website may, from time to time, provide links to other websites. We have no control over such websites and are not responsible for the content of these websites. This privacy policy does not extend to your use of such websites. You are advised to read the privacy policy or statement of other websites prior to using them.

Changes of business ownership and control

Mintly Ltd may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of Mintly Ltd. Data provided by Users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this privacy policy, be permitted to use the Data for the purposes for which it was originally supplied to us.

We may also disclose Data to a prospective purchaser of our business or any part of it.

In the above instances, we will take steps with the aim of ensuring your privacy is protected.

Cookies

This Website may place and access certain Cookies on your computer. Mintly Ltd uses Cookies to improve your experience of using the Website and to improve our range of services. Mintly Ltdhas carefully chosen these Cookies and has taken steps to ensure that your privacy is protected and respected at all times.

All Cookies used by this Website are used in accordance with current UK and EU Cookie Law.

Before the Website places Cookies on your computer, you will be presented with a message bar requesting your consent to set those Cookies. By giving your consent to the placing of Cookies, you are enabling Mintly Ltdto provide a better experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of the Website may not function fully or as intended.

This Website may place the following Cookies:

Type of Cookie	Purpose
Strictly necessary cookies	These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
Functionality cookies	These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region). By accepting the Cookie statement and using the Website, you agree to our placement of functionality cookie. If you do not accept the cookie, you accept that some functionality will not work as expected. If you use our free tools, you accept that we can place Cookies on your device to track their usage.
Analytics cookies	Help us understand how visitors use the site (e.g., Google Analytics, Microsoft Clarity). These are not essential and are used only with your consent.

You can find a list of Cookies that we use in the Cookies List at the end of this policy.

You can choose to enable or disable Cookies in your internet browser. By default, most internet browsers accept Cookies but this can be changed. For further details, please see the help menu in your internet browser. You can switch off  Cookies at any time, however, you may lose any information that enables you to access the Website more quickly and efficiently.

You can choose to delete Cookies at any time; however, you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalisation settings.

It is recommended that you ensure that your internet browser is up-to-date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings.

For more information generally on cookies, including how to disable them, please refer to aboutcookies.org. You will also find details on how to delete cookies from your computer.

General

You may not transfer any of your rights under this privacy policy to any other person. We may transfer our rights under this privacy policy where we reasonably believe your rights will not be affected.

If any court or competent authority finds that any provision of this privacy policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this privacy policy will not be affected.

Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.

This Agreement will be governed by and interpreted according to the law of England and Wales. All disputes arising under the Agreement will be subject to the exclusive jurisdiction of the English and Welsh courts.

Electronic Mail Marketing

By registering an account with us, you give consent that Mintly may contact you with non-marketing email for the purposes of managing your account and understanding your business requirements.

During registration you will be given the option to opt-out from receiving email marketing from us.

By requesting a demo or contacting us via our website, you give consent that Mintly may contact you via email with information about our products and services.

By requesting any of our free downloads, you give consent that Mintly may contact you via email with information about our products and services.

You can opt-out at any time by clicking the unsubscribe link in the email or by contacting us at support@mintly.uk.

Changes to this privacy policy

Mintly Ltd reserves the right to change this privacy policy as we may deem necessary from time to time or as may be required by law. Any changes will be immediately posted on the Website and you are deemed to have accepted the terms of the privacy policy on your first use of the Website following the alterations.

You may contact Mintly Ltd by email at info@mintly.uk

This privacy policy was created on 25 January 2023, and updated on 21 October 2025.

Cookies List

Below is a list of the cookies that we use. We have tried to ensure this is complete and up to date, but if you think that we have missed a cookie or there is any discrepancy, please let us know.

We use the following strictly necessary and functionality cookies:

Description	Purpose
Cookie Preferences (functionality)	We use this preferences cookie to remember that you've accepted cookie usage on your device. This cookie is valid for 90 days.
Trial (functionality)	We use this cookie to operate our free tools. By using our free tools you agree that we can store these cookies on your device.
Checkout & Payment (Strictly necessary)	We use Stripe as a payment provider to manage all subscriptions. They will use cookies to provide their payment services.
Website Analytics	We use Google Analytics and Microsoft Clarity to monitor website usage and trends. Google/Microsoft will store cookies on your device to track repeat usage of our site.
Appointment Booking (Strictly necessary)	We use Calendly to help our website visitors book appointments with us. Calendly uses cookies to operate this functionality.
Online Chat (functionality)	We use Tawk.to to help our website visitors engage with us and get support. Tawk.to uses cookies to operate this functionality.