In this Policy "we", "us" and "our" means Barclays Partner Finance, a trading name of Clydesdale Services Limited and wholly-owned subsidiary of Barclays Bank PLC. Registered No 2901725. Registered office: 1 Churchill Place, London E14 5HP. Trading address: Barclays Partner Finance, PO Box 2501, Cardiff CF23 0FP. "You" means the individual who is providing information.
We collect personal and financial information, which we obtain from you or from any third parties when you apply for an account or any other product or service or which you or they give us from time to time.
We and other members of the Barclays Group may send you information about products and services (including those of other companies) which may be of interest to you. We will still do this if we do not accept your application for credit. This information may be presented to you by mail, e-mail or telephone (including sending text messages). Please write to us at Barclays Partner Finance. PO Box 2501, Cardiff, CF23 0FP, if you do not wish to be told about these products and services. This right may be exercised at any time.
We may collect and use the following personal and financial information about you:
Information you give us or we get from others such as credit reference agencies and fraud prevention agencies (who may search the electoral register) and other organisations.
Information we learn from the way you use and manage your accounts and the payments you make to your accounts. This may include information you provide relating to your health and lifestyle.
You can ask us for a copy of the information we hold about you by writing to us. We will charge a fee for providing the information.
We and other members of the Barclays Group use information about you as follows:
To manage your application and accounts, give you statements and provide our services,
For assessment and analysis purposes. This includes working out your suitability for a credit product based on how you have managed previous and current financial products, your current financial position and how often you have applied for and used credit products such as bank accounts, credit cards, loans and mobile phone contracts. It also includes market and product analysis. We may also generate statistical reports which we may share within the Barclays Group or with non-Barclays companies for their own purposes. (These reports will not contain any information that identifies you).
To help us develop and improve our services to you and other customers and protect our interests.
We may monitor and record calls between us.
We may use your information and share it with credit reference agencies and fraud prevention agencies now or in the future as follows:
To help us make any decisions when you apply for and after you have received any products, make enquiries, check your details, check your credit history, confirm your identity or help us manage your accounts (for example to offer you new products, recover debts you owe us or trace you if we need to).
To share information about you and how you manage your accounts.
If we suspect or identify fraud, money laundering or other crimes, or you give us false or inaccurate information.
Credit reference agencies keep a record of our enquiries and may record, use and give out information we give them and give it to other lenders, insurers and other organisations even if we do not accept your application for a loan. We, law enforcement agencies and other organisations may also access and use this information to prevent and detect fraud, money laundering and other crimes. Organisations in the UK and in other countries may access and use information kept by fraud prevention agencies.
Information credit reference agencies keep may be linked to records relating to one or more of your partners where a financial association has been created, and credit reference agencies may refer to any associated records when assessing any enquiry we make. Please telephone us on 0800 15 22 888 if you would like further details of those credit reference and fraud prevention agencies we use.
We may also give information about you and how you manage your accounts to:
people who provide services to us or act as our agents, as on the understanding that they will keep the information confidential;
anyone to whom we transfer or may transfer our rights and duties under this agreement to allow them and members of their group to use in the same way as described in this section, including for marketing; and
anyone else if we have a duty to do so or if the law allows us to do so.
Otherwise we will keep the information about you confidential.
If we give your information to a service provider or agent in another country, we will make sure that they agree to apply the same levels of protection as we must apply to information held in the UK and to use your information only for the purposes that we have allowed.
In order to process some payments to and from your accounts, we may have to send the details of the payment (including information about the people involved in the payment) abroad, where they could be accessible by regulators and authorities in connection with their legitimate duties, for example to help prevent crime.
We will not keep your information for longer than is necessary and will take steps to ensure that it is kept up to date. You have a right under the Data Protection Act 1998 to ask what information we hold about you. You can do this by writing to us at The Data Protection Officer, Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP.
Please remember that Internet communications are not secure unless the data being sent is encrypted. We cannot accept any responsibility for unauthorised access by a third party or the corruption of data sent to us.
If you have any questions or comments about privacy issues, or have a complaint about how we are using your personal data, please contact our customer services department on 0800 15 22 888. Please note calls may be recorded or monitored for training purposes.