Website Terms and conditions of use
The term 'Baanx', 'Baanx.com' or 'us' or 'we' refers to the owner of the website whose registered office is Optimal Search Ltd, Unit 1, 2nd Floor, Omega Court, 370 Cemetery Road, Sheffield, England, UK. Our company registration number is 08958882 in The United Kingdom. The term 'you' refers to the user or viewer of our website, App and platform.
You accept that we offer no refunds for our services or assets on our platform.
The content of the pages of this website is for your general information and use only. It is subject to change without notice.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
All trade marks reproduced in this website which are not the property of, or licensed to, the operator are the property of their respective trademark owners.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
Your use of this website and any dispute arising out of such use of the website is subject to the laws of England and Wales.
All content, unless otherwise stated, is copyright © 2018 Optimal Search Ltd, Unit 1, 2nd Floor, Omega Court, 370 Cemetery Road, Sheffield, England, UK. All rights reserved.
GDPR compliance statement
Optimal Search Ltd. (“Baanx”) respects and complies with the EU General Data Protection Regulations (GDPR).
Some of the key ways we comply with these regulations are:
We explain what you’re consenting to clearly and without ‘legalese’, and ask that you explicitly consent to contact from us.
In the event of a breach we will notify affected users within 72 hours of first having become aware of the breach.
Right to Access
Users can request confirmation as to whether or not personal data concerning them is being processed, where and for what purpose. Further, we shall provide a copy of the personal data, free of charge, in an electronic format.
Right to be Forgotten
Once we have compared your (the subjects') rights to "the public interest in the availability of the data", we may delete your personal data where you have requested this.
We allow you to receive the personal data concerning you, which we will provide in a 'commonly used and machine readable format' and you have the right to transmit that data to another ‘controller’.
Privacy by Design
We implement appropriate technical and organisational measures, in an effective way, in order to meet the requirements of this Regulation and protect the rights of data subjects'. We hold and process only the data absolutely necessary for the completion of our duties (data minimisation), as well as limiting the access to personal data to those needing to act out the processing.
Email for full & comprehensive policy. Below is abridged.
Section 1 - What do we do with your information?
If you choose to fill in a contact form on our website, we will store that information for 6 months and only use it for the purpose of contacting you in relation to that enquiry.
When you browse our site, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.
Email marketing: With your explicit permission, we may send you emails about our products and other updates.
Section 2 - Consent
How do you get my consent?
When you provide us with personal information we ask you to explicitly consent to our collecting it and using it for that specific reason only.
If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.
How do I withdraw my consent?
If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, by contacting us at or mailing us at: Optimal Search Ltd, Unit 1, 2nd Floor, Omega Court, 370 Cemetery Road, Sheffield, England, UK.
Section 3 - Disclosure
We may disclose your personal information if we are required by law to do so.
Section 4 - Data Storage
Your data is stored through Optimal Search Ltd’s data storage and databases. We store your data on a secure server behind a firewall.
Data protection policy
Optimal Search Ltd takes its obligations under the General Data Protection Regulation (Regulation (EU) 2016/679) and Data Protection Act 2018 very seriously and strives for the highest standards. Optimal Search Ltd’s lead data protection supervisory authority is the Information Commissioner’s Office (ICO) in the United Kingdom.
Section 5 - Third-party
services & links
In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.
When you click on links on our site, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.
Section 6 - Security
To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.
If you provide us with your personal information, the information is encrypted using secure socket layer technology (SSL) and stored with industry-standard encryption. Although no method of transmission over the Internet or electronic storage is 100% secure, we implement generally accepted industry standards.
Optimal Search Ltd provides highly secure computer systems, applications and devices for its staff. It also hosts a range of computer applications and services to organisations as part of a contract. Large volumes of data pass over this network of computers, applications and devices which contain adequate controls for the separation and management of data. Baanx.com monitors the data and traffic in the capacity of a network administrator as well as in the capacity of the operator of its own business and as an employer. Baanx.com makes it clear to all those individuals and organisations affected what roles it carries out in the operation of the network.
Baanx staff will only have access to personal data that is relevant to fulfil their roles and for the performance of contracts.
Baanx and it’s associated companies have strict policies and procedures for staff around the use of computer systems, applications and devices to minimise the risks to personal data, which includes the use of personal data within external communications and systems outside the control and monitoring of Baanx.com.
Baanx.com policies and procedures extend to all other methods for containing personal data, which includes printed documents and all paper files.
Section 7 - Cookies
Here we have listed all Cookies on this website. We only use Google Analytics Third Party Cookies.
Google Analytics – we use Google Analytics to measure how our site is used by visitors and to generate reports for our own use. Google Analytics does not collect any personally identifiable information about you.
CL™ Card Policies.
No Refunds available.
You have a legal right to cancel your account and card up to 14 days from the date your account is opened without incurring any penalty and we will refund any card issue fees. We may charge you a Card Cancellation Fee if we have already incurred costs by ordering a card in your name. If you have already completed the card ordering process, it is not possible for you to get a refund for your £4.99 Postage and Packaging (P&P) fee. You will only be entitled to this if CL cannot fulfil their card request in the allotted time. You will also be charged for the first monthly maintenance fee (£1.99) regardless of cancellation.
After this, you will be given the option to cancel your card/account and no more charges will be added. You can also cancel your card any time after the 14 day period subject to a Redemption Fee (the Fees and Limits table (section 33)) by contacting Customer Services. You should also cut your cancelled card in half through the signature box, magnetic strip and chip.
All other fees and charges will be apportioned up until the time of the termination of the contract, and any other such fees and charges paid in advance will be reimbursed proportionally. You will not be entitled to a refund of money you have already spent on transactions authorised, or pending or any fees for use of the card or account before the card or account is cancelled or expires.
There are no paper statements, all statements are currently provided through CL™ partner Apps. Please visit the Settings section of your CL™ App. Website statement functionality will be added in Q3 2019.
Once registered, the user will receive regular, system generated, emails making your monthly expenditure available to review.
Where transactions have been made, the online Debit Card statement must be sent to the Card Administrator no later than the 10th of the following month for authorisation.
It must be ensured that the correct ledger codes on the invoice certification slip.
Disputed transactions and unsatisfactory goods and services Cardholders may from time to time want to query a transaction on their statement. This can be for a number of reasons such as: the card statement lists an item that the Cardholder does not recognise, and cannot be reconciled with their Purchase transaction log the incorrect amount has been charged refunds not applied to the Debit card faulty or damaged goods supplied, refund requested goods/services not supplied wrong goods/services supplied.
We may need the Cardholder to complete a Declaration form or supply copies of correspondence with the supplier. Once they have receipt of this, the bank will perform a thorough investigation with the merchant(s) in question, and will endeavour to get the disputed amount credited back to the Cardholder’s Debit account.
A.) When an incorrect amount has been charged, the Cardholder must first approach the supplier to resolve the problem within 48hours of the statement being made available. If the supplier insists on the transaction being genuine the Card Administrator must raise the issue with CL™. If no explanation follows, the transaction should be treated as a disputed item.
B.) If the Cardholder is charged for items that have not been received (goods/services),
they should firstly contact the supplier to ensure that the goods have been delivered
to the correct address. (It is a regulation set down by Visa that the transaction is not
processed until the goods are allocated for dispatch.)
If the supplier insists that the goods have been delivered, treat the transaction as a
The majority of the time these issues can be resolved by the Cardholder contacting
the supplier directly. If the Cardholder is unable to resolve with the supplier they should contact CL™ Customer Services.
KYC & AML policies
Email for full comprehensive policies for KYC & AML.
Questions and contact information
Fill in the contact form on this website with your message and we will get back to you as soon as capacity allows
If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact our Privacy Compliance Officer at or by mail at Optimal Search Limited below:
FAO: Privacy Compliance Officer
Optimal Search Ltd,Unit 1, 2nd Floor, Omega Court, 370 Cemetery Road, Sheffield, United Kingdom