Last updated: 12 September 2026
| Category | Examples |
|---|---|
| Identity | Phone number, first and last name, date of birth |
| Address | Residential address (collected once you complete a profile, and again if required for a physical card or identity verification) |
| Contact | Email address (optional) |
| Financial | Wallet balance and transaction history; we never see or store your full card number - that's handled directly by our payment processor |
| Identity verification | Only if you cross a top-up threshold or we need to check for fraud: a photo ID and a selfie, processed by our payment processor's identity verification service, not stored by us in raw form |
| Device & risk | Device model/hardware identifiers, IP address, and app install identifier - used only to detect the same device or network being used for an unusual number of accounts (fraud prevention), not to track you for advertising |
| Usage | App interactions needed to operate the service (e.g. which screens error out), push-notification token if you allow notifications |
We share what's necessary with:
We do not sell your personal data, and we do not share it with advertisers.
Our servers run in the EU/US depending on the service. Where data leaves the UK or EEA, we rely on the receiving party's own adequacy status or standard contractual clauses to keep it protected to the same standard.
We keep account and transaction records for as long as the law requires us to for anti-money-laundering purposes (typically five years after your last transaction), and device/fraud signals for as long as they remain useful for detecting a repeat pattern, after which they're deleted or anonymised.
If you're in the UK or EU, you have the right to:
To exercise any of these, email ar@esms.uk. We may need to verify it's really you before acting on the request.
Social Wallet is not for anyone under 18. We don't knowingly collect data from children.
We'll update this page as the product changes, and show a notice in the app for material changes.
Questions about this policy: ar@esms.uk or see our contact page.