Our Policies

5 Privacy and Confidentiality

We will treat all your personal information as private and confidential [even when you are no longer a customer], and shall be guided by the following principles and policies. We will not reveal information or data relating to your accounts, whether provided by you or otherwise, to anyone , including other companies entities in our group, other than in the following exceptional cases:

1. If we have to give the information by law

2. If there is a duty towards the public to reveal the information

3. If our interests require us to give the information (for example, to prevent fraud) but we will not use this as a reason for giving information about you or your accounts [including your name and address] to anyone else, including other companies in our group, for marketing purposes

4. If you ask us to reveal the information, or if we have your permission

5. If we are asked to give a banker's reference about you, we will need your written permission before we give it.

6. We, will explain to you the extent of your rights under the existing legal framework for accessing the personal records that we hold about you

7. We will not use your personal information for marketing purposes by anyone including ourselves unless you specifically authorize us to do so.

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5.1 Credit Reference Agencies

1. When you open your account, we will tell you when we may pass your account details to credit reference agencies and the checks we may make with them..

2. We may give information to credit reference agencies about the personal debts you owe us if:

1. You have fallen behind with your payments;

2. The amount owed is not in dispute; and

3. You have not made proposals we are satisfied with for repaying your debt, following our formal demand

3. In these cases, we will intimate you in writing that we plan to give information about the debts you owe us to credit reference agencies. At the same time, we will explain to you the role of credit reference agencies and the effect the information they provide can have on your ability to get credit.

4. We may give credit reference agencies other information about the day-to-day running of your account if you have given us your permission to do so.

5. We will provide you with a copy of the information that we have given to the credit reference agencies about you, or provide their leaflets that explain how credit referencing works.

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