OK and thanks, that does clear up the first part of my question. I’m glad I have been approved to promote your partners and really, I’m looking forward to doing so – it’s always easier with big brand names, even if it is The Sun/News of the World 
Nevertheless, I’m still not happy with your second answer – Income Access may have great encryption, etc. The fact still remains that my bank details and other info are visible under http:// protocol, which isn’t secure.