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For details of how we will use your information, please look for the padlock symbol below and in the accompanying Terms and Conditions.

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