Privacy Policy

Last updated: September 15, 2023

The purpose of this privacy policy (the "Privacy Policy") is to inform you about how your personal data is collected and processed when you use our website including any other form of media, media channel, mobile website or mobile application linked or connected to it (collectively the "Website"), as well as our services provided on our mobile application (the "Services").

Please read this Privacy Policy carefully before transferring your personal data. The use of the Website is restricted to natural persons who are at least 18 years old and have full legal capacity.

Masref Ltd. with its registered address at 124 City Road, London, United Kingdom EC1V 2NX (“nsave”, “we”, “us”, “our”, “Website”) is the data controller and operator of the Website. If you have any questions or concerns, please contact us at

Please note that data transmission via the Internet (e.g. communication by e-mail) may be subject to security vulnerabilities. It is not possible to protect the data completely against access by third parties. Please inform us promptly of any amendment of your Personal Data.

This Privacy Policy enters into force immediately; nsave reserves the right to amend the policy at any time. You are therefore advised to read the latest version of this page regularly. The current, valid version of the privacy policy can be found on our website at


This Privacy Statement applies only to the use of the website and therefore not to other websites to which you are referred by clicking on a link.


By personal data, we mean any information that relates to you and allows you to be identified or identifiable ("Personal Data"). Personal Information may be collected through various sources.

2.1 Personal Data that you provide to us:

We collect the Personal Data that you provide to us on a voluntary basis when you use our Services or contact us via the Website on the contact form. This Personal Data may include:

  • Your identification data, such as your first name, last name and date of birth
  • Your contact data, such as your home address and your e-mail, including email entered for the nsave waitlist, alongside other details including the name, address, location and contact details
  • Your financial data, such as the IBAN of your personal bank account, the amount on your nsave account and transactions
  • Your professional activity data, such as your employer, position and place of work
  • Your family data, such as your marital status
  • IP address, operating system, browser type, browser version, browser con-figuration, name of the Internet service provider and other types of information relating to the devices used to access our website, as well as the connection that is relevant to identify the type of device operated by the user, to connect with the website, to enable data exchange with the user and the device operated by the user and to guarantee convenient use of the website
  • Sub-pages visited by the user during a session on our website, as well as the links accessed on the website, including date and time; and
  • The content of all communication initiated via the website, including all information that users of the website share with nsave and/or other users of the website or that is entered by you as a user in applications, forms or surveys and then shared with nsave


When you use the Website, we automatically collect Personal Data about your use of the Website, including through cookies and similar technologies.

A cookie is a small file generated by the Website's server when you visit the Website and that is stored on your computer or mobile device. In general, Personal Data collected automatically through the means described above may include:

  • Your login data, such as the type of browser used to access the Site, unique device identifiers, the site from which you logged in (referring URL), the date and time you accessed and logged out, your device's operating system, the type of device used, and information about the service provider.
  • The pages you visit and the interactions on those pages
  • Your language preference data
  • Your data to confirm that you are a human being, such as your activity on the verification page

When connecting to our Website you are given certain choices regarding the use of cookies through our cookie banner.

You may disable the use of cookies by selecting the appropriate settings on your browser. However, such deactivation may prevent the use of certain features of the Website. Please refer to our cookie policy for more information.


nsave collects, processes and uses this personal data in a lawful way and in good faith. Depending on the respective purpose of the data processing, nsave processes your personal data on the following legal bases and, if necessary, for the following purposes:

  • To identify you and allow you to access the Website and Services;
  • To communicate with you;
  • To perform our contractual duties;
  • To comply with our legal duties;
  • For recruiting purposes;
  • To ensure the quality and improvement of the Website, for example by analyzing your use of the Website and our Services;
  • To send you our newsletters and information related to our Services and events;
  • To send you our marketing materials and promotional offers;
  • To secure our Services, for example to prevent spam or fraudulent connections;
  • To resolve problems with the Website, for example by monitoring, repairing and preventing technical problems;
  • For our legitimate interest.


We may use service providers and outsource certain tasks, such as custody, digital onboarding, IT infrastructure services, hosting and maintenance of the Website.

Where, in the course of data sharing, we transfer personal data to countries outside of the United Kingdom (depending on your contractual agreement with our entities), we ensure that such transfers are made in accordance with this Policy and in compliance with applicable data protection legislation.

We may be required to disclose your Personal Data if we consider it necessary for security reasons, to investigate a potential breach or other violation of applicable laws and regulations or of this Privacy Policy and/or to prevent harm to other users of our Website. We may also be required to disclose your Personal Information when required to do so by law, when we believe that disclosure is necessary to investigate or prevent potential or actual illegal activity, at the request of an authority or if we have a legal duty to do so.


You have the following rights:

  • Right of access to your Personal Data;
  • Right of rectification when the information we have about you is inaccurate. Please note that you can change your personal account information at any time by logging into your account;
  • Right to request erasure of your Personal Data;
  • Right to request the restriction of the processing of your Personal Data if it is processed on too large a scale;
  • Under certain circumstances, you have the right to object to the processing of your Personal Data, in particular if we process your Personal Data on the basis of legitimate interest;
  • If your consent is required for the processing of Personal Data, you may withdraw your consent at any time for the future, without this decision affecting the processing of your Personal Data previously undertaken on this basis.

To withdraw your consent or for any of the aforementioned rights, please send us an email to with the subject line "Personal Data". Please note that in some cases, your consent may conflict with a legal obligation or legitimate interest of Masref Ltd as data controller or of a third party.

We may ask you to prove your identity before responding to a request based on the above rights or otherwise related to your Personal Data.


If you would like to subscribe to nsave waitlist, we require your email address and information enabling us to verify that you own the email address. We store your IP address and the date of registration when you subscribe to our waitlist.

This data is used solely for the purposes of verification in case a third party misuses the email address and registers to receive the newsletter without the knowledge of the person authorised to use the account. No other data will be collected.

We use this data for the sole purpose of sending information and shall not pass it on to third parties. You may withdraw your consent at any time for the storage of your data, your email address and the usage thereof by sending an email to


Data transmitted via public networks like the Internet or email services can be accessed by anyone. Information transferred via the Internet (such as online forms) and content received online may be transmitted via networks operated by third parties. nsave cannot guarantee the confidentiality of information or documents that are transmitted by means of these public networks or networks operated by third parties.

If you disclose personal data via a public network or networks operated by third-party providers, you should be aware of the fact that your data may be lost. Also, third parties might gain access and hence collect and use the data without your consent. While many of the individual data packages are transmitted in an encrypted form, the names of the sender and the recipient are not. Third parties can therefore draw conclusions on accounts and business relationships that exist or are being established. Even if the sender and the recipient are residents of the same country, the transmission of data over these networks frequently – and without monitoring – takes place via third countries, so also via countries that do not offer the same degree of protection as the country in which you are domiciled. We do not accept responsibility for the security of your data during transfer via the Internet and reject all liability for direct and indirect damages. The use of other means of communication is permitted if you consider this to be necessary or reasonable for security reasons.


On your request, nsave will provide you with information on all of the personal data we have stored about you, its source, the recipients and categories of recipients to whom we have disclosed personal data about you and on the purpose of storage or data processing. You also have the right to demand the rectification, blocking or erasure of this data. Any consent given can be withdrawn at any time by notifying nsave.

There is also a right to lodge a complaint with the competent supervisory authorities. Contact the following email address if you have any questions in this regard or about personal data in general:


We place great importance on the security of your Personal Data and have implemented administrative, technical and physical security measures to protect your data from unauthorized access, destruction or alteration. However, despite our efforts, no method of communication over the Internet or method of electronic storage can guarantee complete security.


We post all changes to the Privacy Policy on the Website. We reserve the right to amend this Privacy Policy at any time, and encourage you to review it regularly. We will notify you of any changes by updating the "last updated" date above. If we make a material change to this Privacy Policy, we will notify you by e-mail or by posting a notice on the Website.


This website may include links to other websites that are not operated or monitored by nsave. These websites are not subject to the terms of this policy, and we are neither responsible for their contents nor for the principles by which they manage personal data. We recommend that you read the policies of the individual websites and that you review how they protect personal data, as well as their trustworthiness.

This website is owned and operated by Masref Ltd., incorporated in the United Kingdom The information provided is not legally binding and does not constitute an offering, endorsement, recommendation or solicitation to enter into any type of financial transaction in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the laws of such jurisdiction. The GBP and EUR card accounts are issued by AF Payments Limited pursuant to a license by Mastercard International. AF Payments Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900440) for the issuing of electronic money and payment instruments. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International. As a registered EMI, AF Payments holds your funds in a safeguarding account which offers protection if AF Payments goes out of business. It is important to know that as a non-bank payment provider, your money is not protected by the Financial Services Compensation Scheme (FSCS). Copyright © 2024 Masref Inc. All rights reserved.

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Copyright © 2024 Masref Ltd. All rights reserved.

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