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Site terms and conditions

This website is operated for the UK Chip and PIN by APACS (Administration) Limited. APACS (Administration) Limited 2002.

Please read the details set out below very carefully before using this website. By accessing this website you agree to be bound by the following terms and conditions and disclaimer ("Terms").

Website Disclaimers

Legal Disclaimer

The information contained in this site is for general guidance on matters of chip and PIN interest only. The application and impact of laws can vary widely based on the specific facts involved. Given the changing nature of laws, rules and regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in information contained in this site. Accordingly, the information on this site is provided with the understanding that the authors and publishers are not herein engaged in rendering legal or professional advice and services. As such, it should not be used as a substitute for consultation with professional advisers.

While APACS (Administration) Limited has made every attempt to ensure that the information contained in this site has been obtained from reliable sources, APACS (Administration) Limited, the Association For Payment Clearing Services (APACS) and its Member institutions are not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this site is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. APACS (Administration) Limited or its employees, APACS or any of its Member institutions, or any other contributor be liable individually or jointly to you or anyone else for any decision made or action taken in reliance on the information in this site or for any loss or damage of any kind howsoever caused arising out of, or in any way connected with the use and/or reliance on the information contained on in this site whether due to inaccuracy, error, omission or any other cause.

Certain links in this site connect to other websites maintained by third parties over whom APACS (Administration) Limited and APACS have no control. The links to such sites are for information and convenience purposes only. APACS (Administration) Limited and APACS make no representations as to the accuracy or any other aspect of information contained in other websites and are not liable individually or jointly for any loss or damage of any kind howsoever caused arising out of, or in any way connected with the use and/or reliance on the information, opinions, advice, products or services contained in such third party websites.


This site is intended for those who access it from within the United Kingdom. Consequently, APACS (Administration) Limited cannot guarantee that the website or information contained in it complies with or is appropriate for use in other countries.

Chip and PIN Privacy Policy

Internet Privacy Policy

As a result of a user's interaction with this website APACS (Administration) Limited may hold and process personal information about the user. Personal data collected by APACS (Administration) Limited, APACS and its member institutions, who are representatives from a range of companies, where it is necessary to do so in order to meet the purpose for which the visitor has submitted the information. By submitting data on the chip and PIN website, the visitor is providing explicit consent to transmission of data collected on the website to the above recipients and to countries outside the European Union (EU)(which may not provide the same level of protection as within the EU) for the fulfilment of their voluntary requests.

Data Collection

Only personally identifiable information that is specifically and voluntarily provided by visitors to the chip and PIN website will be collected. APACS (Administration) Limited receive limited identifiable information, such as name, title, company address, email address, and telephone and fax numbers, from website visitors. Typically, identifying information is collected to:

  • Register for certain areas of the site
  • Inquire for further information
  • Distribute requested reference materials

It is the policy of APACS (Administration) Limited to limit the information collected to only the minimum information required to complete a visitor's request. In any instance where non-mandatory information is sought, the website visitor will be notified of this at the point of collection.

In the case of supplier registration on the site we will collect detailed information and a supplier's credit card information, where applicable, in order to process the registration.

Visitors are also able to send email through the site. Their messages will contain the user's screen name and email address, as well as any additional information the user may wish to include in the message.

The intention of APACS (Administration) Limited is not to seek any sensitive information through its website. Sensitive information includes a number of types of data relating to: race or ethnic origin; political opinions; religious or other similar beliefs; trade union membership; physical or mental health; sexual life or criminal record. We suggest that you do not provide sensitive information of this nature. If you choose to supply information of this nature APACS (Administration) Limited accepts your explicit permission to freely use this data.

Use of Data

A user may choose to provide personal information in the following examples:

  • Request documentation
  • Participate in "join our mailing list" initiatives
  • Participate in bulletin boards, discussion or message forums
  • Contact us for further information
  • Register for events and conferences

Information attained by the site is used only for the intended purpose stated at the time that the information is collected.

APACS (Administration) Limited make every practical effort to avoid excessive or irrelevant collection of data. If a visitor believes the site has collected excessive information, we encourage the visitor to contact us to raise any concerns.

Cookies and Log Files

Cookies may be used on some pages of our site. "Cookies" are small text files placed on your hard drive that assist us in providing a more customised website experience. For example, a cookie can be used to store registration information in an area of the site so that a user does not need to re-enter it on subsequent visits to that area. It is the policy of APACS (Administration) Limited to use cookies to make navigation of our website easier for visitors and to facilitate efficient registration procedures.

If you are concerned about cookies, most browsers permit individuals to decline cookies. In most cases, a visitor may refuse a cookie and still fully navigate our website.

In order to properly manage our website we may anonymously log information on our operational systems, and identify categories of visitors by items such as domains and browser types. These statistics are reported in the aggregate to our webmasters. This is to ensure that our website presents the best web experience for visitors and is an effective information resource.

Third Parties

It is the policy of APACS (Administration) Limited to only disclose information to third parties under the following circumstances:

  • as required by law through subpoena, search warrant or other legal process
  • when explicitly requested by a visitor
  • when required to deliver publications or reference materials requested by a visitor
  • when required to facilitate conferences or events hosted by a third party

Third Party Links

There are several places throughout that may link to other websites that do not operate under privacy practices. When you link to other websites, the above Chip and PIN (UK) programme privacy practices no longer apply. We encourage visitors to review each site's privacy policy before disclosing any personally identifiable information.

Data Retention

Contact information about visitors (such as information generated though registration for access to areas on the site) will be kept as long as the information is required to completely service the contact request or until a user requests that we delete that information. Mailing list information, discussion posts and email will be kept for the duration of the UK Chip and PIN Programme that is a period of time considered to be appropriate.

Copyright and Trademarks

Copyright in the screens, pages, material and information included in this website (apart from that information contained in discussion boards) is owned by APACS (Administration) Limited or APACS unless otherwise indicated.

Users of this website are permitted to print, copy, download or temporary store extracts from this website for their own personal use. Any other use is prohibited without written permission of APACS (Administration) Limited Alteration of any pages, screens, material and/or information contained on this website is strictly prohibited.

Discussion Boards

The views and opinions represented in discussion boards on this site are solely those of the participants themselves and do not necessarily reflect the views of APACS (Administration) Limited, APACS or its Member institutions. APACS (Administration) Limited, APACS and its Member institutions are not liable individually or jointly for any loss or damage of any kind howsoever caused arising out of, or in any way connected with the reliance on the information, views and opinions represented in the discussion boards.


Each visitor has the right of access to personal data they have submitted through the website to APACS (Administration) Limited.

User updates of information should be handled by going back through the registration process. Enquiries about the accuracy of identifying information previously submitted to APACS (Administration) Limited through its website, or requests to have outdated information removed, should be directed to

When personally identifiable information is retained, APACS (Administration) Limited assumes responsibility for keeping an accurate record of the information once a visitor has submitted and verified the data. APACS (Administration) Limited does not assume responsibility for verifying the ongoing accuracy of the content of personal information. When practically possible, if APACS (Administration) Limited is informed that any personal data collected through a website is no longer accurate, APACS (Administration) Limited will make appropriate corrections based on the updated information provided by the authenticated visitor.


APACS (Administration) Limited has implemented generally accepted standards of technology and operational security in order to protect personally identifiable information from loss, misuse, alteration or destruction. APACS (Administration) Limited follows a security policy. Only authorised personnel are provided access to personally identifiable information and these employees have agreed to ensure confidentiality of this information. The policy of APACS (Administration) Limited is to use 128bit SSL encryption when gathering details through web forms.


APACS (Administration) Limited understands the importance of protecting children's privacy especially in an online environment. The UK Chip and PIN programme sites covered by this privacy statement are not intentionally designed for or directed at children 13 years of age or younger. It is the policy of APACS (Administration) Limited never to knowingly collect or maintain information about anyone under the age of 13.


APACS (Administration) Limited reserves the right to modify or amend this statement at any time. The effective date will be displayed at the beginning of this statement.

Sites Covered

This privacy statement applies to the UK Chip and PIN programme website located at

Governing law

These Terms shall be governed by and shall be construed in accordance with English law. All Users irrevocably agree that the English courts are to have exclusive jurisdiction to settle any disputes and to entertain any suit, action or other proceedings arising out of or in connection with these terms.

Contact Us

We welcome your enquiries and comments about our privacy statement and any feedback, queries or concerns that you may have about You may send us comments and enquiries via our contact facility.

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