Privacy

Information we hold We will hold and use the following details about you:

• Your name address, phone numbers, email address and date of birth;
• Information we receive when making a decision about you, your application or agreement;
• Details of all agreements you have and have had with us, along with all transactions; and
• Details of when we contact you and you contact us.
• As well as any other information which we reasonably need to operate your account or fulfil our regulatory obligations.

We may keep details of any phone number(s) that you call us from and use them to contact you. While managing your account, we may be given sensitive information such as medical information. We will store and process this information in order to allow us to make decisions about you and your accounts with us. * If you have opted into marketing, we will store your contact details (email address, phone numbers, name and address) for up to 36 months from the time of last interaction with us. You may opt out at any time by contacting us at [email protected] or by clicking unsubscribe on any marketing communications from us. Information we share We will keep all of your personal information confidential and only share it with others for the purposes explained in this policy. We have trusted relationships with carefully selected third parties who perform services on our behalf. All third parties are bound by contract to maintain the security of all of your personal information and only to use it as permitted by us. We may share information about you:

• With any person, organisation or company who provides us with products and services;
• With any payment system that we may use;
• With any person to whom we sell or transfer (or enter into negotiations to transfer or sell) our business or any of our obligations or rights under any agreement we may have with you. If the sale or transfer goes ahead, the purchaser or transferee may use your personal information in the same way as us; and
• With regulatory and governmental authorities ombudsmen, or other authorities, including tax authorities, where we are requested by them to do so.

How we use your information We will use your information to: make, or assist in making, credit decisions about you, assess lending and insurance risks, and to check the details that you have let us, and others have; operate and manage your account and manage any application, agreement or correspondence you may have with us; contact you by email, SMS, letter or telephone about our products and services, unless you tell us that you prefer not to receive marketing;

• To form a view of you as an individual and to identify, develop or improve products, that may be of interest to you;
• Carry out market research, business and statistical analysis;
• Carry out, monitor and analyse our business;
• Carry out audits;
• Recover any debt you owe us; and
• Comply with our regulatory obligations.

Your data may also be used for other purposes for which you give your permission, or where we are permitted to do so by law, or it is in the public interest to disclose the information or is otherwise permitted under the terms of the General Data Protection Regulation and Data Protection Act 2018.