Your right of access - You can request access to a copy of your personal information that we hold, along with information on what personal information we use, why we use it, who we share it with, how long we keep it for, whether it has been used for any automated decision making and, where we obtained it from someone other than you, where we obtained it from.
Your right to rectification - You can ask us to change or complete any inaccurate or incomplete personal information held about you.
Your right to erasure - You can ask us to delete your personal information where it is no longer necessary for us to use it, you have withdrawn consent, or where we have no lawful basis for keeping it.
Your right to restriction of processing - You can ask us to restrict the personal information we use about you where you have asked for it to be erased or where you have objected to our use of it.
Your right to object to processing - Where we are processing your personal information for direct marketing purposes or on the basis of a legitimate interest, you can object to our processing of your personal information, by contacting our DPO with details of your objection.
Your right to data portability - You can ask us to provide you or a third party with some of the personal information that we hold about you in a structured, commonly used, electronic form, so it can be easily transferred.
Your right to withdraw consent - If you have given us your consent to use personal information, you can withdraw your consent at any time and, update your marketing preferences.
|Savings & Current Accounts||Mortgages||Insurance||Business Finance|
|Applicant||Guarantor||Referee||Occupier||Family, Friends or Dependents||Third Party Loan Providers|
We will only use and share your information where it is necessary for us to carry out our lawful business activities. Your information may be shared with and processed by other Group companies. We want to ensure that you fully understand how your information may be used. We have described the purposes for which your information may be used in detail in a table below:
|We may process your information where it is necessary to enter into a contract with you for the provision of our products or services or to perform our obligations under that contract. This may include processing to:
|We are required by law to collect and process certain personal information about you. This may include processing to:
|We may process your information where it is in our legitimate interests do so as an organisation and without prejudicing your interests or fundamental rights and freedoms. This may include processing to:
|We may process your information where you have provided us with clear and specific confirmation of your consent to do so. This may include processing to;
Sometimes we use your personal information in automated processes to make decisions about you, such as credit scoring or for the prevention of fraud. We might also use automated processes to create a profile of you for these purposes. We do this to help ensure decisions are made accurately, fairly and efficiently and to offer you products and services tailored to you and to reduce the risk of fraud.
Further information on when we use automated processes and the logic, signiﬁcance and consequences of these processes for you.
We use automated decision making using your personal information to create a proﬁle of you for credit scoring – a method which predicts your credit worthiness based on your ﬁnancial proﬁle.
To carry out credit scoring we use information you give to us, information we obtain from credit reference agencies, and details about how you have used other products and services you have with us or the Group (for example how you are making repayments on other credit products). In some cases we will also use external data sources for credit scoring. See below for a list of credit reference agencies we use. We analyse this information to identify a credit score based on how likely it is that debts will be re-paid.
We use credit scoring to make the following decisions about you:
Profiling for marketing
We want to ensure that you get the most relevant information about our products and services at the right time. The most effective way for us to do this is to use automated processes to create a proﬁle of you for marketing.
We use processes to analyse your personal information to decide what products and services to offer to you and to prioritise the marketing messages you receive by: