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Privacy Policy


Terms & Conditions | Privacy & Cookies Policy

Our privacy policy has not changed, but we’ve changed the name of our product from PayQwiq to Tesco Pay+.

This privacy policy summarises how we (Tesco Personal Finance plc, trading as Tesco Bank and part of the Tesco group) use your information through Tesco Pay+. For the purposes of the Data Protection Act, we are a data controller. This privacy policy relates only to Tesco Pay+, operated by Tesco Bank. You should read the Tesco privacy policy on its website for information on how Tesco Stores uses Clubcard and other information.

What sort of information do you hold about me?

We collect information about you, such as name, Clubcard number, credit or debit card details and contact details, when you:

  • visit the Tesco Pay+ website or use the Tesco Pay+ app

  • register with and buy products or services using Tesco Pay+

  • take part in promotions, competitions, customer surveys and questionnaires

  • contact us, for example by calling or writing to customer services.

We might also collect your IP address and other unique information to identify the device you are accessing Tesco Pay+ from. This will be used for analysis purposes to help us understand how you use our website and app and to help us improve our service. We might also collect information from your device and Wi-Fi connection to assist us in making sure the app is safe to use on your device and in detecting and preventing fraud.

We may supplement the information we collect about you through Tesco Pay+ with information we receive through other Tesco Bank products and the wider Tesco group and from other sources, e.g. public registers such as the electoral roll. This allows us to assess the accuracy of the information we hold about you in order to send you relevant offers and information.

We monitor and record calls to and from our customer service centres to improve our service and to prevent and detect fraud.

How do you use my information?

We use your information to:

  • provide our services to you

  • understand our customers’ needs and requirements

  • develop and test products and services

  • carry out research and analysis about our products and services

  • prevent and detect fraudulent activity and crime.

We use push notifications to send promotional and servicing messages relating to the Tesco Pay+ app. To opt-out of receiving push notifications, you can disable push notifications on your mobile device system settings.

How do you use Clubcard information?

We may access the information collected through the use of your Clubcard to help us improve our service to you and to make our communications more relevant.

Who do you share my information with?

We will only share your information:

  • where we have your permission

  • where we have to do so or where we’re allowed to do so by law

  • for aggregated market research purposes where you will not be identifiable

  • with regulatory bodies and authorities

  • with companies that help us to provide our services; and

  • with companies to whom we transfer or may transfer our rights and obligations under our agreement with you.

We may also share your information with Tesco in connection with the operations of your Clubcard account, for example to allocate points or discounts, or where you have agreed to receive marketing, but we don’t share more information than we need to.

How will you use my information to contact me?

We may contact you by phone or post and, if you provide us with an email address or mobile phone number, we may send you emails or text messages with operational messages about Tesco Pay+. As texts and emails can be intercepted, we will keep confidential information to a minimum and you should never send us any confidential information via text or email.

Will you send me marketing information?

We will send you tailored marketing information by post, telephone, text and email about Tesco Pay+, but only if you have agreed to receive marketing information via these channels. Your Tesco Pay+ marketing preference is maintained separately to any of your Tesco Bank or Tesco marketing preferences and we will only send you information relating to Tesco Pay+. You can opt out of Tesco Pay+ marketing during the registration process or at any time by using the unsubscribe options when we contact you or by calling us (0330 123 02500330 123 0250). We may provide you with tailored marketing information through other channels such as at tills when you shop in Tesco, but only where you are opted into receive marketing communications. We may also display tailored online advertising on third party websites, such as social media sites, sites operated by internet service providers and sites which sell advertising space. We may use the information that we hold about you to personalise the advertisements to you. Where we display personalised advertisements on third party sites, we display the Ad Choices logo which you can click on for further information about online behavioural advertising. For sites you have subscribed to, such as social media sites and email providers the terms and conditions and privacy policy for that site will explain how advertisements are displayed.

Will you send my information to other countries?

We might do this, for example where our service provider has a data centre overseas, but only when we can be sure your information will be adequately protected. Your information may be accessed by law enforcement agencies and other authorities. They do this to prevent and detect crime, or to comply with other legal obligations.

How long will you keep my information?

We keep your information for as long as we need to for legitimate business purposes and for legal and regulatory reasons.

What will happen if you change how my information is used?

We might do this from time to time. If we think you would not expect this change, we will write and tell you about it.

Can I see the information you hold about me or find out more about how you use my information?

Yes – write to us at:

The Data Protection Officer Customer Operations
Tesco Bank
Broadway 1
199 Renfield Street
G2 3AX

To obtain a copy of the information we hold, you’ll have to pay £10. Please include a cheque for £10 payable to Tesco Bank. We will respond to your request within 40 days of receiving the request, fee and any details required to locate your information or verify your identity. If any of the details are incorrect, let us know and we'll amend them.

Cookies and similar technologies

We use cookies and similar technologies to improve your customer experience as you interact with our website and app. This section provides more information about cookies and similar technologies, including how we use them and how you can exercise your choices regarding our use of cookies and similar technologies.

How we use cookies and similar technologies

Cookies and similar technologies, such as tags and pixels (“Cookies”), are small data files that allow a website to collect and store a range of data on your desktop computer, laptop or mobile device.

Cookies help us to provide important features and functionality on our website and app, and we use them to improve your customer experience. For example, we use Cookies to –

  • Enhance our Website and App functionality

    Cookies allow us to enhance the functionality of our website and app so that we can personalise your experience and allow you to use many of the useful features of our website and app.

  • Enhance our Website and App performance

    Cookies can help us to understand how our website and app is being used, for example, by telling us if you encounter an error messages as you browse.

    These Cookies collect data that is mostly aggregated and anonymous.

Your choices when it comes to Cookies

You can use your browser settings to accept or reject the placement of new Cookies and you can delete existing Cookies. You can also configure your browser settings so you will be notified each time a new Cookie is placed. You can find more detailed information about how you can manage Cookies at the All About Cookies and YourOnlineChoices websites.

If you choose to disable some or all Cookies, you may not be able to make full use of the functionalities of our website.