Nuestra historia empieza en junio del 2020 cuando nuestro fundador Marvyn Smith observaba el mundo en plena pandemia de Covid-19 con el confinamiento global y los disturbios generados en todo el mundo.
Todas las comunidades independientemente de su etnia, patrimonio, empleo o posición social estaban unidos por una causa común.
A partir de experiencias personales Marvyn se identificó con los sesgos inconscientes del sistema los cuales le afectaron sintiéndose prejuzgado y, a pesar de ser profesionalmente cualificado y experimentado, fue discriminado.
Marvyn quería marcar la diferencia y convertirse en un ejemplo creando algo único que dejara un legado.
Atmen fue fundada en julio del 2020 por personas con ideas afines mientras el mundo luchaba por una nueva “normalidad” creándose un lugar en la sociedad.
Atmen en alemán se traduce como “Respirar”, es evidente que el acto de respirar restringió la vida, tanto con el virus Covid-19 como con los sesgos institucionales sistémicos en la sociedad.
Teniendo estos eventos en cuenta, Marvyn y los otros cofundadores quieren que Atmen sea inclusivo, diverso y diferente desde el principio.
Marvyn fundó Atmen en el verano de 2020. Es un profesional experimentado con un historial demostrado de trabajo en la industria de la consultoría de gestión. El conjunto de habilidades de Marvyn incluye finanzas, planificación empresarial, gestión de operaciones, habilidades analíticas y soluciones de software. Sus fortalezas y experiencia abarcan el desarrollo empresarial y las estrategias de transformación corporativa.
Marvyn pasó sus primeros años creciendo en el Caribe. Luego pasó a estudiar en Nueva York en los Estados Unidos, antes de regresar a Inglaterra a finales de los 90, donde luego completó un MBA en Gestión Estratégica y otras calificaciones profesionales.
A Marvyn le gustan los postres, pasar tiempo con su familia, viajar, mantenerse en forma y tocar el piano.
Dele es un contable experimentado con MBA (Finanzas y estrategia) de Manchester Business School, Universidad de Manchester y miembro del Chartered Institute of Management Accountants. Es un profesional con un historial en la gestión financiera de la tecnología que permitió el cambio en entornos de proyectos y programas con una buena gestión de las partes interesadas y habilidades de control financiero en todos los sectores, tanto para el sector público como para el privado.
Dele creció y estudió en Nigeria antes de regresar a Inglaterra a finales de los 90, donde luego completó su licenciatura y otras calificaciones profesionales.
Dele está casado y tiene dos hijos, le encanta practicar deportes: tenis de mesa, squash y fútbol y es entrenador de Sunday Rugby.
The basics about what you need to know
About us
We are Atmen Ltd. Our registered office is 14th Floor 25 Cabot Square, Canary Wharf London E14 4AP. Our company number is 12736447.
We are registered with the Information Commissioner's Office (ICO), the data-protection regulator in the UK, to use personal information.
We are committed to protecting and respecting your privacy.
We will:
Type of information | Details |
Information you give us | We collect information you provide when you: |
✓ fill in any forms; | |
✓ correspond with us; | |
✓ register to use the My Atmen app; | |
✓ open an account or use any of our services; | |
✓ take part in online discussions, surveys or promotions; | |
✓ speak with a member of our customer support team (either on the phone or through the My Atmen app); | |
✓ enter a competition; or | |
✓ contact us for other reasons. | |
We will collect the following information. | |
✓ Your name, address, and date of birth. | |
✓ Your email address, phone number and details of the device you use (for example, your phone, computer or tablet). | |
✓ Your username, password and other registration information. | |
✓ Details of your bank account, including the account number, sort code and IBAN. | |
✓ Details of your debit cards and credit cards, including the card number, expiry date and CVC (the last three digits of the number on the back of the card). | |
✓ Identification documents (for example, your passport or driving licence number), copies of any documents you have provided for identification purposes, a personal description (if you provide one), and any other information you provide to | |
Type of information | Details |
prove you are eligible to use our services. | |
✓ Records of our discussions, if you contact us or we contact you. | |
✓ Your photo (only if you upload one). | |
Information from your device | Whenever you use our website or the My Atmen app, we collect the following information: |
✓ Technical information, including the internet protocol (IP) address used to connect your computer to the internet, your log-in information, the browser type and version, the time- zone setting, the operating system and platform, the type of device you use, a unique device identifier (for example, your device's IMEI number, the MAC address of the device's wireless network interface, or the mobile phone number used by the device), mobile network information, your mobile operating system, the type of mobile browser you use and so on. | |
✓ Information about your visit, including the links you have clicked on, through and from our site (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling and clicks), and methods used to browse away from the page. | |
✓ Information on transactions (for example, payments into and out of your account), including the date, time, amount, currencies, exchange rate, beneficiary details, details of the merchant or ATMs associated with the transaction, IP address of sender and receiver, sender's and receiver's name and registration information, messages sent or received with the payment, details of device used to arrange the payment and the payment method used. | |
✓ Information stored on your device, including if you give us access to contact information from your address book, log-in information, photos, videos or other digital content, check-ins (sometimes, we call this content information). The My Atmen app will regularly collect this information in order to stay up to | |
Type of information | Details |
date. | |
Information about your location | If you have location services in the My Atmen app switched on, we track your location using GPS technology and your IP address. |
Information from others | We collect information from third parties, such as credit- reference agencies, fraud-prevention agencies and partners who help us to provide our services. |
This includes your credit record, information to help us check your identity, and information relating to your transactions. | |
Information from social media | If you allow us to, we will collect information such as friends lists from Facebook or similar information from other online accounts. If you've asked us to, we'll use your Facebook profile to confirm your identity as part of our know-your-client (KYC) process (the process of how we check who you are). |
HERE'S AN EXAMPLE OF HOW WE USE YOUR PERSONAL INFORMATION TO PROVIDE OUR SERVICES
If you apply for a credit product, we or our lending partner (the provider of the credit product) will carry out a credit check to better understand your financial circumstances and repayment history.
Our legal basis would be one or more of the following.
We use your personal information to check your identity to protect against fraud, keep to financial-crime laws and to confirm that you are eligible to use our services. We also use it to help us better understand your financial circumstances and manage fraud risks related to your Atmen account.
The types of information we use are:
We use your personal information to do the follow
Remember, you can ask us to stop sending you marketing information by adjusting your marketing choices (the Do you use my information for marketing? section below explains how to do this).
The types of information we use are:
HERE'S AN EXAMPLE OF HOW WE USE YOUR PERSONAL INFORMATION FOR MARKETING
If you are a Atmen customer, we may contact you about optional extras or promotional offers. We may use information we gather about you through your use of our services to tailor these offers to you.
Our legal basis would be one or both of the following.
We use your personal information to manage our website and the My Atmen app, (including troubleshooting, data analysis, testing, research, statistical and survey purposes), and to make sure that content from our website is presented in the most effective way for you and your device. For more information, please see our Cookies Policy.
We also use your personal information to allow you to take part in interactive features of our services, to tell you about changes to our services, and to help keep our website and the My Atmen app safe and secure.
The types of information we use are:
HERE'S AN EXAMPLE OF HOW WE USE YOUR PERSONAL INFORMATION TO RUN OUR SERVICES
If any changes we make to our services affect you, we'll normally contact you using the email address you gave us when you signed up, or through the My Atmen app, to tell you about the changes.
The legal basis would be one or both of the following.
We use your personal information to help social interactions through our services or to add extra functions in order to provide a better experience.
The types of information we use are:
HERE'S AN EXAMPLE OF HOW WE USE YOUR PERSONAL INFORMATION FOR SOCIAL INTERACTIONS
We'll let you know if any of your contacts who are Atmen customers have used our products, upgrades or features or are in the same area as you (if they have location services switched on).
If you have the relevant settings in the My Atmen app switched on, we'll use the contact list on your phone, or your photo gallery, so you can easily make payments to your contacts and send photos using the My Atmen app.
The legal basis would be one or both of the following.
HERE'S AN EXAMPLE OF HOW WE USE YOUR LOCATION INFORMATION
If you go abroad, the My Atmen app may automatically tell you the exchange rate in that country.
The legal basis would be one or more of the following.
We may need to share information about you:
You can find out more in the Do you share my information with anyone else? section below.
The types of information we may share include:
Our legal basis would be one or more of the following.
Your right | What it means |
You have the right to be told about how we use your personal information. | We provide this privacy notice to explain how we use your personal information. |
You can ask to see the personal information we hold about you (this is called making a ‘data subject access request’, or DSAR for short). | If you make a DSAR, we will provide a copy of the personal information we hold about you. We can’t give you any information about other people, information which is linked to an ongoing criminal or fraud investigation, or information which is linked to settlement negotiations with you. We also |
Your right | What it means |
You can also ask for information about what information we process and why. | won't provide you with any communication we've had with our legal advisers. |
You can ask us to correct your personal information if you think it's wrong. | You can have incomplete or inaccurate information corrected. Before we update your file, we may need to check the accuracy of the new information you have provided. |
You can ask us to delete your personal information. | You can ask us to delete your personal information if: |
✓ there's no good reason for us to continue using it; | |
✓ you gave us consent (permission) to use the information and you have now withdrawn that consent; | |
✓ you have objected to us using the information; | |
✓ we have used the information unlawfully; or | |
✓ the law requires us to delete the information. | |
Just to let you know, we may not be able to agree to your request. As a firm authorised by the Financial Conduct Authority, we must keep certain customer information for at least six years (we've explained this in more detail below). If you've closed your Atmen account, we may not be able to delete your entire file because these regulatory responsibilities take priority. We will always let you know if we can't delete your information. | |
You can object to us processing your personal information for marketing purposes. | You can tell us to stop using your personal information for marketing. |
You can object to us processing other information (if we are using it for legitimate interests). | If our legal basis for using your personal information is 'legitimate interests' and you disagree with us using it, you can object. |
However, if there is an overriding reason why we need to use | |
Your right | What it means |
the information (for example, legal reasons), we will not accept your request. | |
If you object to us using information which we need in order to provide our services, we may need to close your account as we won’t be able to provide the services. | |
For example, if you object to us sending your personal information to our partners such as concierge providers (as part of our Premium and Metal plans), we may no longer be able to provide you with those concierge services. | |
You can ask us to restrict how we use your personal information | You can ask us to suspend using your personal information if: |
✓ you want us to investigate whether it is accurate; | |
✓ our use of the information is unlawful but you do not want us to delete it; | |
✓ we no longer need the information, but you want us to continue holding it for you in connection with a legal claim; or | |
✓ you have objected to us using your information (see above), but we need to check whether we have an overriding reason to use it. | |
You can ask us to transfer personal information to you. | If we can, and are allowed to do so under regulatory requirements, we will provide your personal information in a structured, commonly used, machine-readable format. |
You can withdraw your permission. | If you have given us any consent we need to use your personal information, you can withdraw your consent at any time by changing your settings in the My Atmen app or sending an email to myatmen@myatmen.com |
(Note, it will have been lawful for us to use the personal information up to the point you withdrew your permission). |
Type of supplier | Why we share your information |
Suppliers who provide us with IT, payment and delivery services | To help us provide our services to you |
Our banking and financial- services partners and payments networks, including Visa and Mastercard | To help us provide our services to you this includes banking and lending partners, banking intermediaries and international payment-service providers |
Card manufacturing, personalisation and delivery companies | To create and deliver your personalised Atmen Card |
Advertisers | To promote our services. (We provide anonymous information only for example, ‘500 men under 30 clicked on their advert’.) |
Analytics providers and search information providers | To help us improve our website or app |
Customer-service providers, survey providers and developers | To help us to provide our services to you |
Communications services providers | To help us send you emails, push notifications and text messages |
Credit-reference and fraud- prevention agencies | To help us develop and offer credit products to you, and to check your identity and your eligibility for credit products. |
HERE'S AN EXAMPLE OF WHEN WE MIGHT SHARE YOUR PERSONAL INFORMATION FOR ADVERTISING PURPOSES
We may share your information (your name, email address and app events) with our advertising partners in the ways described below, but the information is hashed before we send it, and the social-media platform we share it with is only allowed to use that hashed information in the ways described below.
When we use social media for marketing purposes, your information may be shared with the social-media platforms so that they can check if you also hold an account with them. If you do, we may ask the advertising partner or social-media provider to:
An example of how we may use social media for marketing purposes is through Facebook’s ‘Custom Audience’ tool, the terms of which are available.
The legal basis would be the following.
How we use cookies (the technical bit)
Some cookies are needed to run the website. For example, when you log in, cookies help torecognise you and keep you logged in as you browse the website. We call these strictlynecessary cookies.
We also use the following types of cookies:
We need to use these cookies to make our website work, for example, so you can get promotions awarded to your account.
These allow us to recognise and count the number of visitors to our website, and see howvisitors browse our website, so we can improve it where necessary.
These also allow us to see what pages and links you have visited so we can provide morerelevant ads. We may share this information with other organisations, such as Google,Facebook and LinkedIn, for the same purpose.
These cookies are all session cookies, which means that they will stop tracking your activityon the website when you close your website browser.
How do I change my preferences?
You can manage your preferences in relation to cookies, or change your browser settings torefuse the use of all or some cookies. However, if you block all cookies (including necessarycookies), you may not be able to use all or some parts of our website.
Please note, other organisations, such as advertising networks, may also use cookies totrack you across different websites. We have no control over these cookies.
Atmen’s Account OmniWire Prepaid Mastercard® Terms and ConditionsValid as of 17th December 2020
IMPORTANT INFORMATION: These terms and conditions (“Agreement”) govern the use of the Payment Services defined in Clause 1, which are supplied by PFS Card Services (Ireland) Limited, Front Office, Scurlockstown Business Park, Trim, Co. Meath, C15 K2R9, Ireland whose details are in Clause 2 (“we”, “us”, “our”) to any person whose application we approve (“Customer”, “you”, “your”). Words that begin with a capital letter have the meaning given either where they first appear in this Agreement or in Clause 1. This Agreement includes the terms of our Privacy Policy https://omniwire.com/privacypolicy and https://myatmen.com/index.html.
By activating your Card, you agree that you have read and understood the terms of this Agreement (a copy of which you may download and store at any time). This Agreement shall commence at that time and continue unless cancelled under Clause 10 or terminated under Clause 12. We reserve the right to change this Agreement by giving 2 months’ notice to you in accordance with Clause 18. If we do this, you may terminate this Agreement immediately and without charge before the proposed changes take effect, otherwise you shall be deemed to have accepted such changes when the 2 months’ notice expires. However, you agree that changes to the Applicable Exchange Rate may be applied immediately and at the rate quoted via the Payment Service at the time of the relevant Transaction. Please also read the conditions of redemption, in Clause 11 before activating your Card.
We will communicate with you in English (the language in which this Agreement was agreed with you on registration for your Account). Key information relating to your Transactions will be provided to you at the email address you register with us and/or in your Account. You may access, download and print this information at any time by logging in to your Account. In addition, you agree that we may provide notices or other information to you from time to time by posting it in your Account, emailing it to your registered email address, mailing it to your registered physical address, calling you by phone or sending you mobile messages. Notices to you by email or mobile messages shall be deemed given 24 hours after the email is sent, unless the sending party is notified that the email address is invalid. Notices sent by registered mail shall be deemed to have been received three days after the date of mailing. You may contact us as specified in Clause 2.
You may request a copy of any legally required disclosures (including this Agreement) from us via the contact details in Clause 2, and we will provide this to you in a form which enables you to store the information in a way that is accessible for future reference for a period of time adequate for the purposes of the information and which allows the unchanged reproduction of the information stored via, for example; our website, your Account or by email.
"Account" or “E-Wallet” | a data account in our systems where we record your Available Balance, Transaction Data and other information from time to time; |
“Account Closure Fee” | has the meaning given in the attached Fees & Limits Schedule; |
“Account Information Service” | an online service to provide consolidated information on one or more payment accounts held by the payment service user with another payment service provider or with more than one payment service provider; |
“Account Information Service Provider” or “AISP” | the supplier of an Account Information Service; |
"Additional Cardholder" | where applicable, a person who holds a Secondary Card; |
“Applicable Exchange Rate” | the exchange rate available on our website https://prepaidfinancialservices.com/en/exchange-rates; |
“ATM” | an automated teller machine is an electronic telecommunications device that enables Customers to perform financial transactions, particularly cash withdrawal, without the need for a human cashier, clerk or bank teller; |
“Authorised Person” | any person to whom you authorise us to access your Account; |
"Available Balance" | the amount of E-money issued by us to you but not yet spent or redeemed; |
“Business Day" | Monday to Friday, 0900hrs to 1700hrs GMT, excluding bank and public holidays in Ireland; |
"Card" | a prepaid Mastercard card issued by us and linked to your Account, which can be used to spend your Available Balance wherever Mastercard cards are accepted; |
“Card Replacement Fee” | has the meaning given in the attached Fees & Limits Schedule; |
"Card Scheme" | the operator of the payment scheme under which we issue each Card; |
“Customer Due Diligence” | the process we are required to go through to verify the identity of our Customers; |
“Customer Funds Account” | the segregated bank account where we hold relevant funds corresponding to your Available Balance in accordance with the safeguarding provisions of the Electronic Money Regulations 2011; |
“E-money” | monetary value issued by us to your Account on receipt of funds on your behalf in our Customer Funds Account, equal to the amount of funds received; |
“European Economic Area” or “EEA” | the European Union (“EU”) member states, as well as Iceland, Liechtenstein and Norway; |
“Fees” | the fees payable by you for the Payment Services as specified in the attached Fees & Limits Schedule; |
“IBAN” | an International Bank Account Number used to identify bank accounts for the purposes of international payments; |
"Merchant" | a retailer who accepts Payment for the sale of goods or services to you; |
“Payment” | a payment for goods or services using a Card; |
“Payment Initiation Service” | an online service to initiate a payment order at the request of the payment service user with respect to a payment account held at another payment service provider; |
“Payment Initiation Service Provider” or (“PISP”) | a payment service provider who supplies a Payment Initiation Service; |
"Payment Services" | the services supplied by us to you under this Agreement, including issuing Cards and Accounts; and executing Transactions; |
“PCSIL IBAN” | a virtual IBAN issued by our bank service provider that we allocate to your Card or your Account which can be used by you or others for the purpose of making a SEPA Transfer of funds that will result in a credit of the relevant funds to your Account; |
“Redemption Fee” | means the fee applied by us for the return of funds to an IBAN Account holder, or Cardholder following a request for redemption by an IBAN Account holder Cardholder under this Agreement, as specified in the attached Fees & Limits Schedule; |
"Secondary Card" | where applicable, any extra Card which is issued to a Customer or Authorised Person; |
“SEPA Transfer” | a facility whereby you instruct us to send Euros to a bank account elsewhere in the Single Euro Payments Area (“SEPA”), quoting the IBAN of the intended recipient of the funds; |
“Simplified Due Diligence” | a lighter form of Customer Due Diligence, resulting in certain lower Card and Account limits; |
"Transaction" | a Payment, a Transfer or a SEPA Transfer; |
“Transfer” | a transfer of E-money from one Account to another Account; |
“Virtual Card” | a Card number issued by us for the purpose of making a single Payment without also issuing any corresponding physical card; |
Signed and Agreed to:
Marvyn Smith,
CEO Atmen Ltd.
29-10-2020
Sergey Bekiyants,
CEO OmniWire Ltd.
29-10-2020