Privacy explained

Changes to privacy laws give you greater rights and stronger protection. On these pages, we highlight the main points and explain them in simple terms. To do that we’ve provided short articles that point out some of the issues that affect you, or could be a concern. You’ll also find our full Privacy Notice, which includes details of how to contact us about the personal information we hold for you.

Your rights over personal information held by us

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The Privacy Notice sets out how we protect your privacy as required by law. It explains in detail:

  • what personal information we have and how we get it
  • how we can and can’t use it and
  • who we can share it with

Privacy issues and how they might affect you

What is personal information?


This may seem to be a simple question, but personal information includes more than many realise. Discover what the law says.

What personal information do we have?


You have the right to know what personal data we hold about you and finding out is easier than you might think. It’s free of charge too. See how to get a copy of your data.

Decisions we make using your data


Machines now make decisions that were once taken by people, some with a direct result for your finances. Find out about your say over automated decisions that affect you in this way.



What we do to protect your rights


If privacy rules are broken and your personal information is affected, we’ll act immediately. Here we explain what must happen if there’s a breach of privacy laws.

Asking for your consent – a bigger say for customers


It can be difficult to remember what you’ve consented to. Find out more about the consents you give and the marketing you can expect to receive.

Data must not be kept longer than needed


You may have given your personal information to a bank but that doesn’t mean it can hold it forever. Here we explain how rules on data retention and what some call your ‘right to be forgotten’ apply to banks.


This page tells you about some of the privacy topics that customers have told us are important. There are many more sides of the regulations and a lot more detail. We’ve set this out in full in our Privacy notice with straightforward explanations of what it means for you. To help you keep control of your own privacy, please take some time to read the notice. Key sections include:

Where we collect personal information from

This section lists all the places where we get data that counts as part of your personal information.

Who we share your personal information with

Here we list all the types of organisation that we may share your personal information with.

Credit Reference Agencies (CRAs)

This section explains how we work with outside companies to decide whether to lend you money.

Fraud Prevention Agencies (FPAs)

This section deals with information we share outside our group to help fight financial crime.

How we work out what marketing you receive

This tells you how we decide what you may be interested in, and what marketing to show or send you.

How we make automated decisions

Here we tell you how we make decisions about you and your money, and explain your rights over these decisions.

How to get a copy of your personal information

This section tells you where to write to us to and how to ask for a digital file.

How to withdraw your consent

This section explains what to do if you no longer want us to hold or use your personal information.

Your rights

This section explains about your right to object and other data privacy rights you have – and how to contact us.

How to complain

This section gives details of how to contact us to make a complaint about data privacy.