Our Privacy Statement...

‘Personal data’ : Information which you give us when making an application for one of our products or at any time about your personal and financial circumstances or which we gather about you from the way you use and manage any account which we open for you; and details of any transaction (including any purchases of goods or services and other payments to and from your account) such as the amount, date and currency of a purchase and the supplier category (such as a petrol station, supermarket or medical services). 


We will use Personal Data when deciding whether to accept your application and offer you one of our products. We also use Personal Data to monitor and analyse our business, to identify other products and services which we think may be of interest to you, which may include those offered by other persons approved by us, and to give information about these products and services, by post, telephone, fax or email unless you have said that you do not want us to do so.

We may use information you have provided to us to respond to your enquiry and improve our service levels.

We will only disclose Personal Data for the purpose of fraud prevention and legal and regulatory compliance and to: 

Credit Reference and Fraud Prevention Agencies.

These agencies may share information about you with other organizations (including lenders and insurance companies), who will use the information for credit and insurance assessments (including making decisions about handling claims in connection with all types of insurance), for debt tracing, and to prevent fraud and money laundering.

The agencies will also use the information for statistical analysis about credit, insurance and fraud.

Anyone to whom we may transfer any of our rights and obligations. 

Anyone who provides a service to us on the basis that they will comply with Data Protection legislation.

Approved persons so that they can contact you directly, unless you tell us that you prefer not to receive direct marketing.

All Personal Data will be held in accordance with the provisions and principles of the Data Protection Act 1998.
Credit reference and fraud agencies will keep a record of our search, which may be used by others to make decisions about you and members of your household and for other purposes set out in this clause. If you give us false or inaccurate information and we suspect fraud, this will be recorded.

We may transfer Personal Data to an approved person or a person who provides a service to us in any country (including countries outside the European Economic Area), but we will not do this unless that person agrees to protect your Personal Data and only use it in accordance with our instructions and the provisions of the Data Protection Act 1998. Finally, under Data Protection legislation you have a right to your personal records, which are held both on computer file and in manual records. You must put your request in writing and we may charge a fee for this service.