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thepaymentring.com is a trading name of TPR Worldwide Ltd, registered in England No 11290509. thepaymentring.com is an official reseller of the KERV wearable contactless payment ring.
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We are fully committed to protecting and respecting your privacy. This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed and used by us.
Marketing disclosure
The company’s website is www.thepaymentring.com (the “website”) By purchasing from the website, you are giving your consent to be contacted by us with future news or products. In addition you may receive promotions or newsletters from our affiliates and/or third party partners. If you do not wish to receive these marketing materials, you may request to be removed by using the opt-out/unsubscribe mechanism listed in the communications you receive. Alternatively you may contact us on unsubscribe@thepaymentring.com
A comprehensive list of our partners is found here.
Information we may collect from you can be:
Further Information
If you need further information about the use of cookies please visit; www.allaboutcookies.org
Where we store your personal data
We will take all steps reasonably necessary to ensure that your data is treated securely, and in accordance with this privacy policy, and the Data Protection Act 1998.
All information you provide to us is stored on our secure servers. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data; the website is has the benefit of being SSL secure via the https connection; we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
Uses made of the information
We may use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by post, telephone, email or SMS.
We do not disclose information about you to our partners, except where you have chosen to buy a 3rd party product in which case we will send your order details to the 3rd party company. You can at any time inform us that you do not want your details shared in any way by emailing us at info@thepaymentring.com
Disclosure of your information
We may disclose your personal information to any member of our group as defined in the Companies Act 2006.We may also disclose your personal information to third parties in the event that we sell our Company or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer, or if we are under a duty to disclose or share your personal data in order to comply with any legal obligation.
Access to information
You have the legal right to access information we hold about you. If you would like to find out more, please write to us at the address below enclosing a fee of £10.00 to meet our reasonable costs in providing you with this information. Please contact us at info@thepaymentring.com
Changes to our privacy policy
Any changes we may make to our privacy policy in the future will be posted on this page.
Unsubscribing
To unsubscribe from the site please write to us at info@thepaymentring.com
Contact
Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to the Data Controller, by email to info@thepaymentring.com
Use of this Website assumes that you fully accept and agree to the Terms and Conditions set forth in this document. These Terms and Conditions also state that by signing up, you are certifying you have read, understand and agree to our Terms and Conditions as well as our Privacy Policy.
You also give us permission to send you periodic updates of services and products, which may be of interest to you through, without limitation, email, mail, SMS text message, or telemarketing.
You understand that third party providers may maintain the information you submitted to us whether you elect to use their services or not. In the event you no longer want to receive communications from one of these independent third party providers, you must notify the third party provider directly.
– The company’s website is www.thepaymentring.com (the “website”)
– You must not replicate, re-produce or refer to the text or images in this website except for your own personal, non commercial use.
– The content provided on this site is purely for informational purposes only. You should be aware that any products that you choose to purchase will have their own terms and conditions associated with them from their respective manufacturer.
– The website is a retail outlet for a 3rd party contactless payment ring.
– The contactless payment ring is designed only to be used by residents of the United Kingdom aged 18 or over. Anyone is free to purchase a ring from the website, however to use the ring the user will need to be aged 18 or over, be a UK citizen and pass the relevant credit and security checks carried out when a ring is activated.
– The website is not registered with the Financial Conduct Authority (FCA) and we recommend you to seek independent financial advise before signing any contract regarding credit terms or a credit application.
– The website is not held responsible for any problems, issues, losses or damages that may arise between yourselves and any 3rd parties where initial contact was instigated through the website.
– All data collected shall be the property of the website. In completion of a purchase, you consent to the use of your personal data for marketing purposes, in line with the website’s privacy policy. The website may keep users informed of similar products and services it and its partners, sponsors and/or advertisers provide, and will pass personal data to such third parties whose products and/or services are likely to be of interest to the user.
– Any data submitted to the website is wholly independent to any data that is submitted to the website’s 3rd party partners; and is governed by individual terms and conditions.
– The website recommends you seek independent advice before agreeing to any 3rd party contracts, terms and conditions.
– You agree that the information given to the website is accurate and true, and will be treated on a as is basis. Consequently the website is not liable for any losses or damages that may arise from the data accuracy when it is passed to a 3rd party.
– The information and data contained in this website is subject to change. We will endeavor to keep the information up to date and keep the website available at all times.
– The website is free to use, but we may introduce you to a 3rd party partner who may offer you products or services that may be chargeable.
– The information you submit onto this website, or information gathered from the website must not be used for illegal or immoral use.
This is an independent website and is not affiliated with any of the listed products or services. Trademarks, service marks, logos and/or domain names are the property of their respective owners, who have no association with or make any endorsement of the products or services provided by this website. Furthermore, participating product/service providers are independent third parties and this website is purely acting as an introducer to said 3rd parties. To contact us please email info@thepaymentring.com
All rights reserved
www.thepaymentring.com is a trading name of TPR Worldwide Ltd, Registered office The Lansdowne Building, 2 Lansdowne Road, Croydon, Surrey CR9 2ER. UK registered in England No 11290509.
What is The Payment Ring?
Kerv is the world’s first contactless payment ring … and the first in an innovative range of next-generation wearable payment devices.
Kerv can be used to make a payment anywhere in the world that accepts standard contactless credit, debit and prepaid card payments.
Kerv uses similar technology to that which is in the contactless payment cards already in your wallet or purse, but we’ve obviously had to make an innovative leap or two to make that technology work as an attractive and comfortable wearable device.
Kerv also facilitates one-touch access to public transport networks.
How do I activate my Payment Ring?
Simple instructions will be sent out in the packaging that comes with your Kerv ring.
Please contact us on info@thepaymentring.com if you have any questions regarding the set-up of your Kerv Ring.
How is Kerv associated with Mastercard?
The Kerv prepaid Mastercard programme is issued by PSI-Pay Ltd under license from Mastercard.
Mastercard has formally issued a contactless vendor product letter of approval for the Kerv contactless payment ring, as an M/Chip Advance Payment and Data Storage device.
How secure is the ring?
As Kerv uses the same technology as a contactless debit card transactions your ring is just as secure as your traditional method of payment. Furthermore, to make a payment with Kerv it must be within very close proximity to a contactless reader, and you hand must be in the Transmission Ready Position to avoid any unintended transfer of data or funds.
Transactions with Kerv over the Mastercard network are just as secure as using Chip & PIN. Your transactional data is always encrypted and because Kerv never leaves your finger, the risk of cloning or theft is significantly reduced.
Your Kerv Virtual Prepaid Mastercard (issued when you register your payment ring) is secure as you are protected by the stringent rules of the FCA, Kerv also provides you with all the tools you need to add further layers of security to your transactions, such as:
The ability to switch your ring on and off, anytime, anywhere
Constant background transactional risk assessments
Balance notifications
Why doesn’t it need to be charged?
The Kerv ring contains no battery and therefore never needs charging. The Kerv ring draws its power from the card reader during a contactless payment via electromagnetic induction.
Why don’t I have to pair my ring with my phone?
The Kerv ring contains all the technology required to directly connect with the Mastercard payment network, so it doesn’t need to be paired with a smartphone to make a payment. It just works all by itself.
Is my ring waterproof?
Yes! The inner bank of the Kerv ring is made from a hard inert resin which seals the electronics and renders it completely waterproof.
How tough is my ring?
The Kerv ring outer shell is made from zirconia ceramic (ZrO2), which is extremely tough, hard and scratch resistant.
It is significantly harder and more scratch resistant than traditional metal jewellery – even that made of titanium. However, it can still be damaged if dropped on hard surfaces, or a significant force is applied to it.
| Substance | Hardness |
|---|---|
| Gold and silver | 2.5 – 3 |
| Steel | 4 – 4.5 |
| Titanium | 6 |
| Zirconia ceramic | 8.5 |
| Diamond | 10 |
This table should provide some context by showing where other common jewellery substances sit alongside zirconia ceramic on the Mohs scale of hardness:
Note: The Kerv ring can be scratched with diamond-coated nail files / emery boards, so they must be kept separate at all times. We recommend that you do not wear a Kerv ring during nail care.
Is Kerv authorised by the FCA in the UK?
Yes, via the Kerv e-money issuer, PSI-Pay Ltd. PSI-Pay Ltd is authorised by the Financial Conduct Authority of the United Kingdom under the Electronic Money Regulations 2011 (register reference 900011) for the issuing of electronic money.
Where can I pay?
The Kerv ring can be used to make a payment anywhere in the world that accepts Mastercard contactless payments. This includes stores, restaurants, bars, cafes, cinemas, taxis and some public transport networks – just look out for the contactless payments symbol below.
Can I make accidental payments with my Kerv ring?
No. The Kerv ring can only make a payment if it’s within 4cm of a contactless payment terminal, when your hand in is the Transmission Ready Position.
Also, transactions must be initiated by the retailer, which means that the contactless card reader is inactive until payment is specifically requested.
Is there a transaction limit with my Kerv ring?
The transaction limit for contactless payments in the UK is currently £30.
Can I use my ring abroad?
Yes: anywhere in the world that accepts Mastercard contactless payments – currently over 6 million locations worldwide.
Exchange rate fees may apply, as it would with any card transaction.
Do I have to be over 18?
You don’t have to be over 18 to buy a Kerv ring, but will need a valid debit or credit card, or PayPal account to make payment.
You will need to be 18 or over to register for the Kerv virtual prepaid Mastercard to which the ring is linked.
Can I buy a Kerv ring as a gift?
Yes, you can. The Kerv ring isn’t linked to a specific Kerv Account until it’s activated, and it can be delivered to any UK address, so it’s perfect to send as a gift. Just make sure you get the ring size right!
Please select the size as “I don’t know my ring size” and we will send you a FREE ring sizer
Can I return my ring?
Yes, but only within 28 days of receipt – and as long as the ring and packaging are undamaged and you have not activated your ring. You do not have to specify a reason if you don’t want to, but we would welcome your feedback.
Please email us at info@thepaymentring.com and we will send you details of how to return your Kerv ring
