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Our privacy statement
This section contains headlines from our full privacy statement. These headlines and the full privacy statement apply to all HBOS sites and services that display or link to this notice. For details of other companies in the HBOS Group please visit our website www.hbosplc.com or contact your local branch.
This page covers:
Where we obtain your information from
Credit referencing and fraud prevention
Your right to your information and how to contact us
Download the full HBOS Privacy Statement (PDF)
To view PDF documents you will need the latest version of Adobe Acrobat reader
To read the PDF document with a screen reader please link to the Access Adobe website
WHERE WE OBTAIN YOUR INFORMATION FROM
- When you apply for our products and services, we ask for personal information.
- The information we collect may be linked with information other HBOS companies already hold
- Apart from the information you give us, we may collect information about you from:
- Other account holders with whom you are connected
- Your employer,
- Information held on the electoral roll,
- Other organisations, including credit reference agencies and fraud prevention agencies; and
- The way you use our products and services e.g. your transactions.
- If you apply for insurance, we will pass your details to the insurer, who may add your details to a register if you make a claim.
- We use 'cookies' and other Internet technologies to help provide our online services.
- Read full details here
- We use your information to provide the products and services you request and to inform you of other products and services offered by HBOS companies.
- We may also use your information to:
- Check your identity;
- Assess lending and insurance risks about you and your financial "associate";
- Prevent and detect fraud;
- Meet any legal obligations imposed on us, including statutory and regulatory reporting.
- We may also share your information with:
- Other members of the HBOS Group for the reasons stated above;
- Our agents and data processors who provide a service to us and you;
- Credit reference and fraud prevention agencies.
- Occasionally, we may need to share your information with companies outside the European Economic Area. We will only do this if we are satisfied that it will be kept safe and secure.
- We do not disclose your information to anyone outside the HBOS Group, other than for the purposes described above, unless we have your permission or we are legally obliged to do so.
- If you apply for insurance, a pension, health insurance or life assurance, we may ask you for some ‘sensitive’ details.
- Read full details here
- If you apply for a credit-based product, we will perform a search with a credit reference agency.
- After you open a credit-based product, we will give the agency regular information about how you use it.
- Other lenders may become aware of our search. If you apply for credit in future, lenders may use its existence in their decision making process.
- Credit reference agencies may give us information about you, which may be linked to someone with whom you have had a financial association, such as a joint bank account. We may treat you as being financially linked when assessing your application. (This association will remain until one of you successfully files a "notice of disassociation" at the credit reference agencies, when it is no longer appropriate for your finances to be linked.)
- If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.
- Further details explaining how information held by fraud prevention agencies may be used can be obtained by calling 0870 1200 849* or contacting your local branch.
- More info on credit referencing
- What HBOS does
- What credit reference agencies do
- More info about fraud prevention agencies
YOUR RIGHT TO YOUR INFORMATION / HOW TO CONTACT US
If you have any questions about how we use your data, or would like a copy of the information we hold about you, please contact your local branch or call the contact number provided to you when you opened a product. The Act allows us to charge a fee of £10. More info
Download the full HBOS Privacy Statement (PDF)
To view PDF documents you will need the latest version of Adobe Acrobat reader
To read the PDF document with a screen reader please link to the Access Adobe website
*Calls to 0870 numbers from BT landlines will cost a maximum of 8p per minute plus a 6p call set-up fee. The price of calls from other telephone companies will vary. The call price is correct at April 2008.
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