Privacy notice

We may share your personal information with outside organisations such as credit card providers, insurers or tax authorities. This is so that we can provide you with products and services, run our business, and obey rules that apply to us. Here we list all the types of organisation that we may share your personal information with.

Lloyds Banking Group

We may share your personal information with other companies in Lloyds Banking Group.

Authorities

This means official bodies that include:

• Central and local government
• HM Revenue & Customs, regulators and other tax authorities
• UK Financial Services Compensation Scheme and other deposit guarantee schemes
• Law enforcement and fraud prevention agencies.

Banking and financial services

Outside companies we work with to provide services to you and to run our business.

• Agents, suppliers, sub-contractors and advisers - These are types of firm that we use to help us run accounts, policies and services.
• Credit reference agencies such as TransUnion, Equifax and Experian.
• Someone linked with you or your business’s product or service - This could mean a joint account holder, trustee or fellow company director.
• Other financial services companies - This can be to fulfil a payment or other service as part of a contract with you; or to help prevent, detect and prosecute unlawful acts and fraudulent behaviour.
• Independent Financial Advisers - This could be someone who you, your employer, or product owner have chosen to advise you on things like pensions or life assurance.
• Agents who help us to collect what is owed to us.
• Price comparison websites and similar companies - We only do so if you buy something from us through such a company. We only share details needed to confirm what you have bought, to fulfil our own contract with the company.
• Employers. For instance, to confirm your identity if we ask for a mortgage reference.
• Companies you ask us to share your data with - This is to do with something called Open Banking, which gives you more freedom and control to use your own banking data. It can make it easier for you or your business to shop around for products like credit cards, savings and current accounts.
• Companies whose shares we hold for you in one of our nominee companies - This is usually to do with Share Dealing accounts. This is where we hold shares for you in the name of our nominee company, and that company asks us to share details of the underlying shareholder with them.

Insurers

We share personal information with insurance industry companies to process claims and help reduce fraud. We do that in these ways:

• If you apply for insurance through us, we may pass your personal or business details to the insurer.
• If you apply for insurance with us as the insurer, we may share your personal or business details with reinsurers.
• If you make an insurance claim, information you give to us or the insurer may be put on a register of claims. This will be shared with other insurers, our agents, suppliers and sub-contractors. In some cases we may also share it with our business partners, if you also have a relationship with them.

Other services and schemes

These are organisations that we may need to share your personal information with, because of what you can do with the product or service you have with us.

• If you have a debit, credit or charge card with us, we will share transaction details with companies that help us to provide this service (such as Visa and Mastercard). We need to do this to keep your account balance and statements up to date, for example.
• If you use Direct Debits, we will share your data with the Direct Debit scheme.
• If you have a product that has a loyalty scheme, we will share your data with that scheme.
• If you have a product with benefits such as travel insurance or discount offers, we will share your data with the benefit providers. We may also share it with other companies involved in how you use the service, such as a private car park operator.
• If you have a secured loan or mortgage with us, we may share information with other lenders who also hold a charge on the property, such as the other party in a shared ownership scheme.
• If you or your employer have a product with us that includes extra services or features, such as daily rental vehicles, we will share your data with the providers of those services or features.
• If a third-party contacts us about fines, penalties or charges imposed on you, we may share this with your employer, or share your details with these third-parties.
• If we carry out driving licence, vehicle or any other checks as part of our products, services or features, we may share information with suppliers and other third-parties needed for us to provide those to you, or your employer.

General business

Outside companies we use to provide our services, help grow and improve our business.

• Companies we have a contractual arrangement, joint venture or agreement with - This could be a store, a manufacturer or a broker who is offering finance deals or other products, services or features through us.
• Organisations that introduce you to us - This might be a store or car dealership that offers finance deals through us, or a price comparison website.
• Market researchers - These firms may get in touch with you on our behalf to ask you for your opinions and feedback. Sometimes these firms will combine what you tell them with data from other sources to study it. They’ll use this to help us understand our customers’ point of view, so we can improve the way we work as a business.
• Advisers who help us to come up with new ways of doing business - This might be a legal firm, IT supplier or consultancy.
• Advertisers and technology providers that you use, such as websites you visit, social media, and providers of apps and smart devices. This is so that:
• You are only shown marketing we think you might be interested in.
• You are not shown marketing we think you won’t be interested in.
• We can try to find new customers who are like you, or have similar interests to yours.

Learn more about how we use your information to make automated decisions.

Outside companies you may use

This could include:

• Price comparison websites and similar companies - We only do so if you buy something from us through such a company. We only share details needed to confirm what you have bought, to fulfil our own contract with the company.
• Third-party payment providers. For example, if you use an app on your phone to pay for something, then we may share payment and transaction data with them - This includes the amount, type, location, origin and recipients.

Company mergers, and takeovers and transfers of products or services

We may also share your personal information if the ownership of products or services or the make-up of Lloyds Banking Group changes in the future:

• We may choose to sell, transfer, or merge parts of our business, or our assets, including products or services. Or we may try to bring other businesses into Lloyds Banking Group - This is sometimes called Mergers & Acquisitions or ‘company takeovers’.
• During any such process, we may share your data with other parties involved. We’ll only do this if they agree to keep your data safe and private.
• If the change to our Group happens, then other parties may use your data in the same way as set out in this notice.

Sharing data that does not say who you are

We may share or sell some data to other companies outside Lloyds Banking Group, but only when no-one’s identity can be known or found out. One of the ways we can do this is by grouping customers together.

We do this so we and those other companies can look for general patterns and trends in the data, while keeping the customer identities secure. For instance, we might look at customers in a specific location shopping for clothes.

We could look at a group of customers by their age group, the area they live in, or their spending habits, such as the average amount spent in one month. But we would not include any data about who these customers are. When we use data this way, we use all the information – including current and historical data – that we hold about you and our other customers.

We and those other companies do this to learn about the types of customers we each have, how they use our products, and how our products perform for them. We and those other companies may also learn about the markets we each operate in and how our competitors perform. The law says data is not considered to be personal information after customer identities have been securely hidden in this way.

We use marketing to let you know about products, services and offers that you may want. This section tells you how we decide what marketing to show or send you. It also explains how we work out what you may be interested in.

We may use your personal information to make decisions about what products, services and offers we think you may be interested in. This is what we mean when we talk about ‘marketing’.

When we can use your personal information for marketing

We can only use your personal information to send you marketing messages if we have either your consent or a ‘legitimate interest’. That is when we have a business or commercial reason to use your personal information. It must not conflict unfairly with your own interests.

How we decide what marketing may interest you

The personal information we have for you is made up of what you tell us, and data we collect when you use our services, or from outside organisations we work with. We study this to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you.

This is called profiling for marketing purposes.

You can contact us at any time and ask us to stop using your personal information this way. Please see the ‘Your data privacy rights’ section for more information, and the ‘How to contact us’ section to contact us about this.

How we send you marketing

We may show or send you marketing material online (on our own and other websites including social media), in our own and other apps, or by email, mobile phone, post or through smart devices and other digital channels.

You can also tell us not to collect data while you are using our websites or mobile apps. If you do, you may still see some marketing, but it may not be tailored to you. See our Cookies policy for details about how we use this data to improve our websites and mobile apps.

Your marketing choices

You can tell us to stop sending you marketing at any time. Whatever you choose, we’ll still send you statements and other important information such as changes to your existing products and services.

We do not sell the personal information we have about you to outside organisations.

We may ask you to confirm or update your choices, if you take out any new products or services with us in future. We’ll also ask you to do this if there are changes in the law, regulation or the structure of our business.

If you change your mind, you can contact us to update your choices at any time. Please see the ‘Your data privacy rights’ section for more information, and the ‘How to contact us’ section to contact us about this.

Here we tell you how we use automated systems to make decisions about you and your money. We also explain your right to challenge decisions made this way.

We sometimes use systems to make automated decisions about you or your business. This helps us to make sure our decisions are quick, fair, efficient and correct, based on what we know. Automated decisions can affect the products, services or features we may offer you now or in the future, or the price we charge for them. They are based on personal information that we have or that we are allowed to collect from others.

Here are the types of automated decision we make:

Pricing

We may decide what to charge for some products and services based on what we know. For instance, if you use our online mortgage calculator, it will use the personal financial details you put in to estimate the kind of mortgage we may offer you. If you apply for insurance, we will compare what you tell us with other records to work out how likely you are to make a claim. This will help us to decide whether to offer you the product and what price to charge you.

Tailoring products and services

The personal information we have for you is made up of what you tell us, and data we collect when you use our services, or from outside organisations we work with. We study this to form a view on what we think you may do, want, or need. This is how we decide which products, services and offers may be relevant for you. We use this information to place you in groups with similar customers.

These are called customer segments. We use these to study and learn about our customers’ needs, and to make decisions based on what we learn. This is called profiling. It helps us to design products, services and offers for different customer segments, and to manage our relationships with them. It also helps us tailor what individuals see on our own and other websites and mobile apps, including social media.

We also use customer segments from outside companies we work with, such as social networks. We ask them for groups of people who are similar to you, or have interests that are like yours in some ways. These companies help us look for new customers who may be interested in products, services or offers that our existing customers are interested in.

Detecting fraud

We use your personal information to help decide if your personal or business accounts may be being used for fraud or money-laundering. We may detect that an account is being used in ways that fraudsters work. Or we may notice that an account is being used in a way that is unusual for you or your business. If we think there is a risk of fraud, we may stop activity on the accounts or refuse access to them.

Opening accounts

When you open an account with us, we check that the product or service is relevant for you, based on what we know. We also check that you or your business meet the conditions needed to open the account. This may include checking age, residency, nationality or financial position. It may mean we can’t offer you the account you want.

Approving credit

We use a system to decide whether to lend money to you or your business, when you apply for credit such as a loan or credit card. This is called credit scoring. It uses past data to assess how you’re likely to act while paying back any money you borrow. This includes data about similar accounts you may have had before.

Credit scoring uses data from three sources:

• Your application form
• Credit reference agencies
• Data we may already hold.

It gives an overall assessment based on this. Banks and other lenders use this to help us make responsible lending decisions that are fair and informed.

Credit scoring methods are tested regularly to make sure they are fair and unbiased.

This credit score can determine whether we will give you credit or allow you to take another product or service.

Your rights

You can object to an automated decision we have made and ask that a person reviews it.

If you want to know more about these rights, please see the ‘Your data privacy rights’ section for more information, and the ‘How to contact us’ section to contact us about this.

This section explains how we work with outside companies to decide whether to lend you money through products like credit cards or loans. It also explains how we manage our products during your relationship with us. It explains what we do and why we do it.

We carry out credit and identity checks when you apply for a product or services for you or your business. We may use Credit Reference Agencies to help us with this.

We will go on sharing your personal information with CRAs for the duration of your relationship with us. From time to time, we may also search information that the CRAs have to help us manage your accounts.

We will share your personal information with CRAs and they will give us information about you. The data we exchange can include:

• Name, address and date of birth
• Credit application
• Details of any shared credit
• Financial situation and history
• Fraud prevention information

We’ll use this data to:

• Assess whether you or your business is able to afford to make repayments
• Make sure what you’ve told us is true, correct and up to date
• Help detect and prevent financial crime
• Manage your accounts with us
• Trace and recover debts
• Make sure any offers are relevant for you.

This will include details of money going into the account, and the account balance. If you borrow, it will also include details of your repayments, and whether you repay in full and on time. We will also tell the CRAs when you settle your accounts with us. The CRAs may give this information to other organisations that want to check your credit status.

When we ask CRAs about you or your business, they will note it on your credit file. This is called a credit search. Other lenders may see this and we may see credit searches from other lenders.

If you apply for a product with someone else, we will link your records with theirs. We’ll do the same if you tell us you have a spouse, partner or civil partner – or that you are in business with other partners or directors.

You should tell them about this before you apply for a product or service. It’s important that they know your records will be linked together, and that credit searches may be made on them.

CRAs will also link your records together. These links will stay on your files unless one of you asks the CRAs to break the link. You’ll normally need to give proof that you no longer have a financial link with each other.

You can find out more about the CRAs on their websites, in the Credit Reference Agency Information Notice (CRAIN). This includes details about:

• Who they are
• Their role as fraud prevention agencies
• The data they hold and how they use it
• How they share personal information
• How long they can keep data
• Your data protection rights.

Here are links to the information notice for each of the three main Credit Reference Agencies:

• TransUnion
• Equifax
• Experian

We use these agencies mainly with UK, Isle of Man or EEA products and customers. For non-UK, Isle of Man or EEA products and customers, we may not use these agencies. We may instead use other regional CRAs. Please see the ‘How to contact us’ section if you’d like to speak to us about this.

This section deals with information we share outside our group to help fight financial crime. This includes crimes such as fraud, money-laundering and terrorist financing.

We may need to confirm your identity before we provide products or services to you or your business. This may include carrying out fraud checks at the point of sale.

Once you have become a customer of ours, we will share your personal information as needed to help combat fraud and other financial crime. The organisations we share data with are:

• Registered Fraud Prevention Agencies
• Other agencies and bodies acting for the same purpose
• Industry databases used for this purpose
• Insurers

Throughout our relationship with you, we and these organisations exchange data to help prevent, deter, detect and investigate fraud and money-laundering.

We and these organisations can’t use your personal information unless we have a proper reason to do so. It must be needed either for us to obey the law, or for a ‘legitimate interest’.

When we have a business or commercial reason of our own to use your personal information, this is called a ‘legitimate interest’. We will tell you what that is, if we are going to rely on it as the reason for using your personal information. Even then, it must not unfairly go against your interests.

We will use the personal information to:

• Confirm identities
• Help prevent fraud and/or money-laundering
• Fulfil any contracts you or your business has with us.

We or an FPA may allow law enforcement agencies to access your personal information. This is to support their duty to prevent, detect, investigate and prosecute crime.

These other organisations can keep personal information for different lengths of time, up to six years.

The information we use

These are some of the kinds of personal information that we use:

• Name
• Date of birth
• Residential address
• History of where you have lived
• Contact details, such as email addresses and phone numbers
• Financial data
• Whether you have been a victim of fraud
• Data about insurance claims you have made
• Data about your or your business’s products or services
• Employment details
• Vehicle details
• Data that identifies computers or other devices you use to connect to the internet. This includes your Internet Protocol (IP) address.

Automated decisions for fraud prevention

The information we have for you or your business is made up of what you tell us, and data we collect when you use our services, or from third parties we work with.

We and other organisations acting to prevent fraud may process your personal information in systems that look for fraud by studying patterns in the data. We may find that an account or policy is being used in ways that fraudsters work. Or we may notice that an account is being used in a way that is unusual for you or your business. Either of these could indicate a risk of fraud or money-laundering against a customer, the bank or the insurer.

How this can affect you

If we or an FPA decide there is a risk of fraud, we may stop activity on the accounts or block access to them. FPAs and cross-industry organisations may also keep a record of the risk that you or your business may pose.

This may result in other organisations refusing to provide you with products or services, or to employ you.

Data transfers out of the UK, Isle of Man, Channel Islands and EEA

FPAs and other organisations we share data with for these purposes may send personal information to countries outside the UK, Isle of Man, Channel Islands and European Economic Area (‘EEA’). When they do, there will be a contract in place to make sure the recipient protects the data to the same standard as the EEA. This may include following international frameworks for making data sharing secure.

Here is the web page for the information notice of the main Fraud Prevention Agency we use:

CIFAS - https://www.cifas.org.uk/fpn

This section tells you about the safeguards that keep your personal information safe and private, if it is sent outside the UK, Isle of Man, Channel Islands and European Economic Area (EEA).

We will only send your data outside of the UK, Isle of Man, Channel Islands and EEA to:

• Follow your instructions - For example, if you book a hotel in Australia with your Lloyds Banking Group card we will send your details necessary to fulfil that payment to the hotel’s bank.
• Comply with a legal duty - For example, we share information about US citizens with the US tax authority.
• Work with our suppliers who help us to run your accounts and services.

If we do transfer your personal information outside the UK, Isle of Man, Channel Islands and EEA to our suppliers, we will make sure that it is protected to the same extent as in the UK, Isle of Man, Channel Islands and EEA. We’ll use one of these safeguards:

• Transfer it to a non-EEA country with privacy laws that give the same protection as the UK, Isle of Man, Channel Islands and EEA. Learn more on the European Commission Justice website.
• Put in place a contract with the recipient that means they must protect it to the same standards as the UK, Isle of Man, Channel Islands and EEA. Read more about this here on the European Commission Justice website.

This section explains your data privacy rights and how to contact us about them.

You have several rights around use of your personal information. Following is a list of these rights, including a description and, if applicable, how to contact us about them. These rights do not apply in all scenarios.

The right to be informed

You have the right to be informed about the collection and use of your personal information. This means that we should provide you with details of how we use your personal information. This Data Privacy Notice is an example of this.

The right of access

You have the right to access a copy of your personal information, referred to as a Subject Access Request (SAR). Please see the ‘How to get a copy of your personal information’ instructions in the ‘How to contact us’ section.

The right to rectification

You have the right to question any information we have about you that you think is incorrect. We’ll take reasonable steps to check this for you and correct it. Please visit one of our branches, or see the ‘How to contact us’ section if you want to do this.

The right to erasure

You have the right to have your personal information deleted or removed if there is no reason for us to keep it. This is also known as ‘the right to be forgotten’. There may be legal or other official reasons why we need to keep or use your personal information. Please see the ‘How to contact us’ section if you think we shouldn’t be using it.

The right to restrict processing

You have the right to restrict processing of your personal information. This means it can only be used for certain things, such as legal claims or to exercise legal rights. You can ask us to do so if your personal information is not accurate, has been used unlawfully, is not relevant anymore, or if you have already asked us to stop using your personal information but you are waiting for us to tell you if we are allowed to keep on using it.

If we do restrict your personal information in this way, we won’t use or share it in other ways while it is restricted. Please see the ‘How to contact us’ section to do this.

The right to data portability

You have the right to get certain personal information from us as a digital file. This means you can keep and use it yourself, and give it to other organisations if you choose to. If you want, we will give it to you in an electronic format that can be easily re-used, or you can ask us to pass it on to other organisations for you. Please see the ‘How to contact us’ section to do this.

The right to object

You have the right to object to us keeping or using your personal information. There may be legal or other official reasons why we need to keep or use your personal information. Please see the ‘How to contact us’ section if you think that we shouldn’t be using it.

Rights in relation to automated decision making and profiling

You have rights around automated decision making and profiling. Automated decision making means a decision made solely by automated means, without any human involvement. Profiling means the automated processing of your personal information to evaluate certain things about you. You have the right to information about these kinds of processing, and the right to ask for human intervention or to challenge an automated decision.

You can do this when an automated decision is made about you, or you can see the ‘How to contact us’ section to speak to us about this. Please see the ‘How we work out what marketing you receive’ section for more information on profiling, and see the ‘How we use your information to make automated decisions’ section for more information on automated decision making.

The right to withdraw consent

You have the right to withdraw your consent for us to use your personal information at any time. This will only affect the way we use personal information when our reason for doing so is that we have your consent. If you withdraw your consent, we may not be able to provide certain products or services to you.

If this is so, we will tell you. You can manage your preferences for activities like marketing in a few ways. Use your internet or mobile banking applications, visit one of our branches, or see the ‘How to contact us’ section to speak to us about this.

This section gives details of how to contact us about how we use your personal information. It also shows you where you can get in touch with the government regulator.

If you have a question about how we use your personal information, or would like to speak to us about your data privacy rights

If you have any questions, want more details about how we use your personal information, or would like to speak to us about one of your data privacy rights, you can call us on 0345 721 3141 (+44 1313 37 42 18 from outside the UK). Lines are open 8am – 8pm, seven days a week. Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day.

If you need this communication in another format, such as large print, Braille or audio CD, please contact us. You can also call us using Relay UK if you have a hearing or speech impairment. There's more information on the Relay UK help pages.

SignVideo services are also available if you’re Deaf and use British Sign Language. If you need support due to a disability please get in touch.

If you want a copy of your personal information

To get a copy of all the personal information we hold about you, fill in this form or write to us at this address:

HBOS DSAR
Keens House
Anton Mill Lane
Andover
SP10 2NQ

If you would like to contact our Group Data Protection Officer

You can contact our Group Data Protection Officer by writing to the following address:

LBG Data Protection Officer
Lloyds Banking Group
PO BOX 548
Leeds
LS1 1WU

If you are unhappy with how we have used your personal information

If you are unhappy with how we have used your personal information, you can contact us using our secure online contact form.

If you are not happy with the outcome of a complaint

You also have the right to complain to the regulator, and to lodge an appeal if you’re not happy with the outcome of a complaint.

In the UK this is the Information Commissioner’s Office. Find out on their website how to report a concern.

In Jersey, please contact the Office of the Information Commissioner.

In Guernsey, please contact the Office of the Data Protection Commissioner.

In Isle of Man, please contact the Information Commissioner.