1. In order to provide you with products and services we need to collect, use, share and store personal and financial information about you ("your information"). This may include information you provide relating to your health and lifestyle. This includes information which we:
    • obtain from you or from third parties, such as employers, joint account holders, credit-reference agencies (who may check the information against any particulars on the Electoral Register and any other database (public or private) which they have access to), fraud-prevention agencies or other organisations, when you apply for an account or any other product or service, or which you or they give to us at any other time; or
    • learn from the way you use and manage your account(s), from the transactions you make such as the date, amount, currency and the name and type of supplier (e.g. supermarket services, medical services, retail services) and from the payments which are made to/from your account.
  2. Where you provide personal and financial information relating to others (e.g. dependants, joint account holders) for the purpose of applying for a loan or opening or administering your account you confirm that you have their consent or are otherwise entitled to provide this information to us and for us to use it in accordance with this agreement.
  3. We and other companies in the Barclays Group will use your information to manage your account(s), give you statements and provide our services, for assessment and analysis (including credit and/or behaviour scoring, market and product analysis and market research), to prevent and detect fraud, money laundering and other crime, carry out regulatory checks and meet our obligations to any relevant regulatory authority, and to develop and improve our services to you and other customers and protect our interests (which may include activities where we, or third parties on our behalf, provide you with gifts or gestures of goodwill). We and other companies in the Barclays Group may also use your information for market and product analysis in order to generate statistical reports which may be shared with external non-Barclays companies for their own use. These reports are aggregated and will not contain any information that identifies you.
  4. We and other members of the Barclays Group will use your information to inform you by letter, telephone, text (or similar) messages, digital television, e-mail and other electronic methods, about products and services (including those of others) which may be of interest to you. You may tell us at any time if you do not wish to receive marketing communications from us and other members of the Barclays Group by writing to us or by visiting your local branch and providing your full name, address and account details and the types of communication that you no longer wish to receive (e.g. mail, telephone or email).
  5. We and credit reference and fraud-prevention agencies will share your information. We and other organisations, including law enforcement agencies, may access and use this information to make credit assessments and to prevent and detect fraud, money laundering and other crimes. The information recorded by fraud-prevention agencies may be accessed and used by organisations in the UK and other countries. Please contact us if you want to receive details of the relevant fraud-prevention agencies. Examples of circumstances when your information or information relating to your partner or other members of your household may be accessed and/or shared include:
    • checking details on applications for products and services;
    • managing credit and credit related accounts or facilities;
    • recovering debt;
    • checking details on proposals and claims for all types of insurance; and
    • checking details of job applicants and employees
    In addition if you borrow from us we will share information about you and how you manage your borrowing with credit-reference agencies.
  6. Information held about you by the credit-reference agencies may already be linked to records relating to your partner or members of your household where a financial “association” has been created. Any enquiry we make at a credit-reference agency may be assessed with reference to any “associated” records. Another person’s record will be associated with yours when:
    • you make a joint application;
    • you advise us of a financial association with another person; or
    • if the credit-reference agencies have existing, linked or associated records. This association will be taken into account in all future applications by either or both of you and shall continue until one of you applies to the credit-reference agencies and is successful in filing a ‘disassociation’.
  7. Credit-reference agencies keep a record of our enquiries and may record, use and give out information we give them to other lenders, insurers and other organisations. Credit-reference agencies may also use your information to undertake periodic statistical analysis, testing and development to develop and ensure the integrity of their existing and future products and services.
  8. We may give information about you and how you manage your account to the following:
    1. Other companies within the Barclays Group and our relationship partners.
    2. Companies and organisations who provide a service to us or are acting as our agents (including their sub-contractors), on the understanding that they will keep the information confidential.
    3. Companies and organisations that assist us in processing transactions you make (including but not limited to payment processing service providers) and in providing value added services that you have requested.
    4. Your advisers (including but not limited to accountants, lawyers, financial advisers or other professional advisers) where authorised by you and to any other person notified by you as authorised to give instructions or to use the account or products or services on your behalf.
    5. In order to make or receive some payments, the details of the payment (including information relating to those involved in the payment) may be received from or sent abroad, where it could be accessible by overseas regulators and authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing us to make payments you agree to this on behalf of yourself and others involved in your payments.
    6. Anyone to whom we transfer or may transfer our rights and duties under this agreement.
    7. Any third party as a result of any restructure, sale or acquisition of any company within the Barclays Group, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us.
    Otherwise we will keep information about you confidential unless we have a duty to disclose it or law or regulation allows us to do so for legitimate business purposes."
  9. If we transfer your information in accordance with condition 8(a), (b) and (f) to a person, office, branch or organisation located in another country, we will make sure that they agree to apply the same levels of protection as we are required to apply to your information and, where appropriate, to use your information strictly in accordance with our instructions.
  10. We will retain information about you after the closure of your account, or if your application is declined or abandoned, for as long as permitted for legal, regulatory, fraud and other financial crime prevention and legitimate business purposes.
  11. You can ask for a copy of the information we hold about you by writing to us. A fee will be charged for this service.