How we collect, protect and use your personal information
We are responsible for protecting your personal information as carefully as we protect your money.
This summary explains how we collect and use your personal information to help you and our business.
How we collect your information and what we use it for
Your information helps protect you and us from fraud. It also helps us check it’s really you. We may also ask you to consider using other identification methods like biometrics (your fingerprint or voice).
Why we share your information
We share your information so we can:
- Protect you
- Check your identity
- Make sure you have the right products for your needs
- Prevent fraud and money laundering
- Help us comply with laws, manage our risk and protect our business
Who we share your information with
We share your information with:
- Other companies in our group and our business partners who provide some of our services
- Fraud prevention agencies, so we can also record any identified or suspected fraud, which could mean we, or others, may refuse to provide you with services, financing, or employment
- Industry regulators, government departments and similar organisations, like local tax authorities, who might in turn have to share it with other countries.
- Credit reference agencies, so we can:
- Do a credit check - this can affect your credit score (we don’t do one if you’re just opening a savings account)
- Do an identity check - this could be done on you and anyone else who’s linked to the account, but it doesn’t affect your credit score
- Protect you and comply with laws - we must share information with other organisations in certain situations, about how you manage your account
We need your information to provide you with the right products and services for you, but you have clear rights over what we do with that information. They’re not all included here but you’re able to:
- Get a copy of your personal information
- Ask us to correct or update wrong information
- Ask us to stop using your information in some cases
- Ask for a review of a decision that has been made automatically, like if a loan has been refused
- Stop marketing that uses your personal information
- Make a complaint to us about how we’ve used your personal information and then to the relevant Data Protection Authority if you’re still not happy
How long we keep your information for
We don’t keep your information for longer than we need to, which is usually up to ten years after you close all your accounts.
Sometimes we need to keep it longer (for example due to an investigation by the police).
How we protect your information
We use many tools to make sure that your information remains confidential at all times and we may monitor or record calls, emails, text messages or other communications in order to protect you and us.