Your Information
Who we are
We are a member of the Royal Bank of Scotland Group (the Group). For information about our Group of companies please visit www.rbs.com and click on 'About Us', or for similar enquiries please telephone 0131 556 8555 or Minicom 0845 900 5960.
How we use your information and who we share it with
We may use and share your information with other members of the Group to help us and them:
- Assess financial and insurance risks;
- Recover debt;
- Develop customer relationships, services and systems;
- Prevent and detect crime;
Your information includes information about your transactions.
We do not disclose your information to anyone outside the Group except:
- where we have your permission; or
- where we are required or permitted to do so by law; or
- to other companies who provide a service to us or you
- where we may transfer rights and obligations under this agreement.
From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object to the change within 60 days, you consent to that change.
If you would like a copy of the information we hold about you, please contact a branch for an Application Form. A fee may be payable.
Credit reference agencies
We may obtain information about you from credit reference agencies and Group records to check your credit status and identity. The agencies will record our enquiries which may be seen by other companies who make their own credit enquiries. We may use credit scoring.
Your information may be linked to, and your application assessed using credit reference agency records relating to anyone with whom you have a joint account or similar financial association.
Fraud prevention agencies
If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies.
We may also obtain information about you from fraud prevention agencies.
For details of how the information held by fraud prevention agencies may be used, please refer to the terms and conditions for the account under the heading "Fraud prevention agencies" or contact your branch.
