Privacy notice
Last updated: 12/06/2026
At Alpha, we respect your privacy and are committed to protecting your personal information. This Privacy Notice explains how we collect, use, store and protect your information when you visit our website, open an account or use our banking services.
Information We Collect
We may collect the following information:
Personal details: Your full name, date of birth, address, telephone number and email address.
Identity information: Identification documents and verification details.
Financial information: Account details, transaction history, payment information and banking activity.
Technical information: IP address, browser type, device information and website usage data.
Communication records: Emails, messages and other communications between you and Alpha.
How We Use Your Information
We use your information to:
Process account applications and verify your identity.
Provide and manage banking services.
Process payments, transfers and other transactions.
Protect your account and prevent fraud.
Respond to enquiries and customer support requests.
Meet our legal and regulatory obligations.
Improve our website, products and customer experience.
How We Protect Your Information
We use appropriate technical and organisational security measures to help protect your personal information against unauthorised access, loss, misuse or disclosure.
Access to personal information is restricted to authorised individuals and service providers who need it for legitimate business purposes.
Sharing Your Information
We may share relevant information with trusted service providers, payment partners, identity verification providers, fraud prevention organisations and regulatory or law enforcement authorities where legally required or permitted.
We do not sell your personal information to third parties.
How Long We Keep Your Information
We retain personal information only for as long as necessary to fulfil the purposes explained in this notice, including legal, regulatory, accounting and reporting requirements. When information is no longer required, it will be securely deleted or anonymised where appropriate.
Your Privacy Rights
Under applicable UK data protection law, you may have the right to:
Request access to your personal information.
Ask us to correct inaccurate information.
Request the deletion of your information where applicable.
Ask us to restrict certain uses of your information.
Object to certain types of processing.
Request a copy of your information in a portable format where applicable.
Withdraw consent where we rely on consent.
You also have the right to complain to the Information Commissioner's Office (ICO) if you believe your personal information has been handled incorrectly.
Cookies
Our website may use cookies and similar technologies to improve functionality, understand website usage and remember your preferences. Where required, we will ask for your consent before using non-essential cookies.
Contact Us
If you have questions about this Privacy Notice or how we handle your personal information, contact:
Email: [Insert privacy email]
Address: [Insert registered business address]
Data Protection Contact: [Insert contact details]
Terms & conditions
Welcome to Alpha. These Terms and Conditions explain the rules and responsibilities that apply when you access our website or use our services.
By accessing our website or applying for an account, you agree to these terms where applicable. Please read them carefully.
1. Eligibility
To open and maintain an Alpha account, you must meet the eligibility requirements applicable to the account or service you are applying for. We may request identification documents and additional information to verify your identity.
2. Account Applications
All account applications are subject to review and approval. You must provide accurate, complete and up-to-date information.
We reserve the right to request additional documents or information before approving an application.
3. Account Security
You are responsible for keeping your login details, passwords, PINs and security codes confidential.
You must:
- Use a strong and secure password.
- Never share your security details with anyone.
- Notify us immediately if you suspect unauthorised access.
- Keep your contact information up to date.
Alpha will never ask you to disclose your full password or security code through an unsolicited email or message.
4. Transfers and Payments
Transfers and payments must be authorised using the security procedures provided by Alpha.
You are responsible for checking recipient details before confirming a payment. Transaction limits, processing times and applicable charges will be communicated before you authorise a payment where required.
Payment transactions may be delayed, refused or investigated where necessary for security, legal or regulatory reasons.
5. Cards and Other Services
Card services are subject to availability, eligibility and the applicable card terms.
You must take reasonable care of your card and report it immediately if it is lost, stolen or suspected of being used without your permission.
6. Fees and Charges
Any applicable account fees, transaction charges or service costs will be explained before you use the relevant service. We will provide notice of changes to charges in accordance with applicable law and your account agreement.
7. Fraud and Unauthorised Activity
If you notice suspicious activity or believe your account has been compromised, contact Alpha immediately using our official contact details.
We may take reasonable steps to protect your account, investigate suspicious activity and comply with applicable legal obligations.
8. Suspension or Closure of Accounts
We may restrict, suspend or close an account where permitted by law, including where we identify suspected fraud, security risks, unlawful activity or a breach of these terms.
Where legally permitted, we will notify you of any relevant action and explain the next steps.
9. Website Availability
We aim to keep our website and services available and operating properly. However, temporary interruptions may occur because of maintenance, technical issues, security concerns or circumstances outside our control.
10. Changes to These Terms
We may update these Terms and Conditions from time to time. Where changes materially affect your rights or obligations, we will provide notice in accordance with applicable requirements.
11. Complaints
If you are unhappy with any aspect of our services, you can contact our customer support team using the contact details provided on our website.
We will review your complaint and respond in accordance with our complaints procedure and applicable requirements.
12. Applicable Law
These Terms and Conditions are governed by the laws of England and Wales, unless another applicable law is required by the circumstances or your account agreement.
Nothing in these terms affects any consumer rights that cannot legally be excluded or restricted.
Accessibility
Our Commitment to Accessibility
At Alpha, we believe everyone should be able to access and use banking services with confidence and independence.
We are committed to making our website and digital banking services accessible to as many people as possible, including customers with disabilities and those who use assistive technologies.
Our Accessibility Approach
We aim to make our website easy to navigate and understand by providing:
- Clear and readable text.
- Good colour contrast between text and backgrounds.
- Keyboard-friendly navigation.
- Descriptive labels for buttons and form fields.
- Alternative text for meaningful images.
- Compatibility with commonly used screen readers.
- Responsive pages that work across desktop computers, tablets and mobile phones.
We aim to follow recognised accessibility standards, including the Web Content Accessibility Guidelines (WCAG).
Need Assistance?
If you experience difficulty using our website, completing an application or accessing any of our services, please contact us.
We welcome feedback and will make reasonable efforts to provide information or assistance in an accessible format where possible.
Reporting an Accessibility Issue
If you encounter an accessibility problem, please tell us:
- Which page or service you were using.
- What difficulty you experienced.
- What device or assistive technology you were using, if relevant.
Your feedback helps us improve the accessibility of our services.
Regulatory information
Our Commitment to Responsible Banking
At Alpha, we believe that trust, transparency and responsible financial practices are essential to providing reliable financial services.
We aim to operate in accordance with the laws, regulations and standards applicable to the services we provide.
Regulatory Status
Alpha's legal and regulatory details are:
Legal Business Name: [Insert registered company name]
Company Registration Number: [Insert Companies House number]
Registered Office: [Insert registered address]
FCA Firm Reference Number: [Insert FRN, if authorised or registered]
Regulatory Status: [Insert accurate authorisation, registration or operating status]
Where Alpha provides regulated financial services in the United Kingdom, its relevant permissions and regulatory details can be checked through the Financial Conduct Authority (FCA) Financial Services Register.
Customer Protection
Where applicable to the services provided, Alpha follows relevant UK requirements, including:
- UK data protection legislation.
- Applicable payment services legislation.
- Anti-money laundering and financial crime prevention requirements.
- Consumer protection requirements.
- Relevant financial services rules and regulations.
Financial Services Compensation Scheme (FSCS)
FSCS protection applies only to eligible deposits held with authorised institutions and subject to the scheme's rules and limits.
Customers should check whether their account and the institution providing it qualify for FSCS protection. We will not claim that your money is FSCS-protected unless this has been confirmed.
Complaints and Financial Disputes
If you have a complaint about our services, please contact our customer support team first.
Where Alpha is an eligible firm and the complaint falls within the Financial Ombudsman Service's jurisdiction, you may have the right to refer your complaint to the Financial Ombudsman Service after following the applicable complaint process.