Clydesdale Bank PLC is a member of the National Australia Bank Group (the "Group") which is made up of National Australia Bank Limited, its subsidiaries and associated companies. The main European members of the Group are:

Clydesdale Bank PLC (trading as Clydesdale Bank, Clydesdale Bank International and as Yorkshire Bank);
National Australia Group Europe Limited;
National Australia Insurance Services Limited;
MLC Savings Limited; and
MLC Trust Management Limited.

You can obtain a complete list by writing to us at: Clydesdale Bank PLC, 30 St. Vincent Place, Glasgow, G1 2HL.

Clydesdale Bank International is a trading name of Clydesdale Bank PLC. The Guernsey branch of Clydesdale Bank PLC is licensed as a deposit taker by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994 as amended.  Principal place of Business in Guernsey: PO Box 446, Regency Court, Glategny Esplanade, St Peter Port, Guernsey, GY1 3ZU.

Clydesdale Bank PLC is registered in Scotland No: SC1111 and its registered address is 30 St Vincent Place, Glasgow, G1 2HL.

In this Privacy Policy, a reference to "we", "us" or "our" is a reference to the Clydesdale Bank PLC .

We have developed this policy so that you may feel confident about the privacy and security of your personal information.

Where we collect personal information about you, this personal information may be transferred to and/or shared with and/or used by other members of the Group to the extent necessary and/ or appropriate for us to provide the services you have requested.

You do not need to register to access most of the Group's  websites, which is the case also with this website, and where you do not register, personal information about you will not be collected by the Group  unless you give  this voluntarily in order to process a specific request.  The data will only be used to fulfil that request.

If you register for our internet banking services, any details you provide may be stored for use on future visits, as we do not want you to give us any information more than once. The details you give us may be combined with information about your use of the  website and information from other of our records in order to provide you with the online products and services you request. If you register for our internet banking services, we will treat you as having consented to our using your personal data in the manner described in this Policy.

We currently may hold personal and financial information about you and may obtain or receive such information about you in the future. Such information may include the identity of suppliers of goods and services to you and the general nature of such goods and services and may also include sensitive personal data such as information relating to your health, racial, or ethnic origin, sexual life, criminal convictions or proceedings where we need to hold such data for the purposes of the product or services we provide to you or it is in the normal course of business to do so. Information about you may be contained in one or more databases which are used by various members of the Group.

The information we process about you will be obtained from various sources, e.g., directly from you, from your dealings with any member of the Group including from the transactions and operation of your accounts and services, from other organisations including credit reference and fraud protection agencies and, from persons who know you including joint account holders and persons with whom you are financially linked.

For our internal operational reasons we may link information concerning your accounts with us to information concerning other products and services we provide to you. We may also link your information to that of other individuals with whom you are financially associated.

When you request a service or product from us we will use the details you provide to us and details we may already hold about you, such as how you manage your accounts with us to assist us in our assessment process.

We use a process known as credit scoring and may use other automated decision making processes to assist in the assessment of applications and to make other decisions during your relationship with us. Declined applications and decisions may also be reviewed manually.

We will use your information to assess the suitability of our products and services for you including the making of credit decisions about you which may involve credit scoring, for market purposes and analysis, to develop, improve and market our products and services generally, to understand your purchasing preferences, to operate and administer the products and services we provide you, for fraud prevention, for debt recovery and for marketing purposes. Where a third party has introduced your custom to the Group we may pass back to the third party the necessary information to enable administration of any payment or settlement.

In the provision to you of products and services involving insurance we are required to pass your details to insurers. Information you provide in connection with any claims made under the insurance may be recorded on to a register of claims through which insurers share information to prevent fraudulent claims. A list of participants and the register operator is available from the insurers.

We may use your personal information for marketing purposes and may send you information about other services and products that may be of interest to you. If you do not wish to receive information about our products and services or those of other members of the Group you must notify us in writing.

We respect the privacy of personal email accounts and we store your email addresses just as securely as other personal information. We will not send you unwanted email messages or junk mail, and your details will not be passed to any other organisation whether inside or outside the Group for marketing purposes without your explicit permission.

We may use email in response to enquiries you make about our services or service issues.

We take all reasonable care to prevent any unauthorised access to your personal data.

We sometimes use other companies to provide some of our services or to provide services to us. To enable them to do this, we may need to let them process your personal information. Our staff and those working for our agents or contractors have a responsibility to keep your information confidential and are only allowed to use it to offer products and services on our behalf.

In operating the account, we may be required to use, store, transfer, disclose, or otherwise process your personal information in order to perform our obligations and for other related purposes including monitoring and analysis of our business, fraud and crime prevention, money laundering, national security, legal and regulatory compliance and the marketing by Clydesdale Bank PLC of other services and products. We may be required to transfer or disclose personal information to a third party, including governmental, regulatory or judicial bodies or agencies, professional advisers or other companies in the same group as Clydesdale Bank PLC, wherever they are located in the world, for the purposes set out above, provided that such personal information may only be transferred to a jurisdiction which is reasonably considered to have data protection laws and regulations equivalent to those existing in Guernsey, or to any other jurisdiction, if required by law, or if in Clydesdale Bank PLC's sole discretion it believes there is adequate protection for the personal information in that jurisdiction.

In accordance with our duties to regulators and/ or obligations under law, we may provide authorised persons with access to our records (which may include information about you) for reporting, auditing and compliance purposes.

In accordance with The Data Protection (Bailiwick of Guernsey) Law, you are entitled to receive from us a copy of information about you held by Clydesdale Bank PLC constituting personal data within 40 days of your written request and on payment of a fee. 

If it transpires that the information held is inaccurate, we will make the necessary amendments and confirm to you that these have been made.

Please contact Clydesdale Bank International, PO Box 446, Regency Court, Glategny Esplanade, St Peter Port, Guernsey, GY1 3ZU. Telephone: +44 (0) 1481 711102~ for further details. Clydesdale Bank PLC will make checks to verify your identity before releasing any personal data to you. 

~For your security, calls may be monitored or recorded.
Monday - Friday: 9.00am - 5.00pm

When you register details and are logged into our internet banking we use a secure server. Any data you give us when you are logged into the internet banking service, is encrypted using a 'Secure Socket Layer' (SSL) session. SSL is an industry standard and is one of the best ways to ensure Internet messages are not intercepted. You should be aware, however, that some older browsers cannot use SSL. If your browser does not support 128 bit encryption (or higher) you will not be able to log into or use our internet banking service.

Apart from things we do to protect you there are things that you can also do to protect yourself while using our Internet Banking service. For more information regarding security click here.

Our general email enquiry forms are not sent via an encrypted channel and for this reason we ask that you do not include confidential information when using them (such as bank account details).

Messages sent and received via the message service when you are logged into your accounts via our internet banking service are encrypted and therefore secure.

While we use SSL encryption to protect internet banking user information online, we will use all reasonable endeavours to protect user information off-line. However, any personal details or other information entered onto or submitted through the site or by email to us is entered or transmitted at the user's risk and Clydesdale Bank PLC shall not be liable for any such information being intercepted or accessed by any third party without the knowledge of Clydesdale Bank PLC or of any of its employees or agents.  You are also referred to the Rules of Use and the Terms and Conditions for internet banking.

Cookies - We may work with third parties to research certain usage and activities on our website on our behalf. No personal information about you is shared except to the extent it is required to be used by a third party or parties for providing such research, and in the course of conducting this research we, and/or these third parties may place a unique "cookie" on your browser.

A cookie is a small file which is sent to your browser and stored on your computer's hard disc and helps us understand and track your use of the site and where it can improve the information and services provided. We use cookies solely to gather information on IP addresses, to analyse trends, administer the site, track users' movements on the site and gather broad demographic information for aggregate use. IP addresses are not linked to other personally identifiable information and will not be used to deliver targeted marketing messages. For information about blocking the use of cookies, please refer to the instructions/help screen on your Internet browser. Please note that you may not be able to use or access certain parts of the site or online services if you block the use of cookies.

Changes - As a result of improvements we make to our services, amendments to laws or regulation or developments in the technology or processes we use, we may change the information we hold about you and/or the way in which or the purposes for which we process such information. Where we require your consent to such change we will notify you of the change. However, unless you inform us otherwise, we will deem your continued receipt of products and services to which the change relates to constitute your consent to the relevant change.

Please help us - We wish our service to meet your expectations on all occasions. To do so we need the information we hold about you to be accurate and up to date. Please help us by informing us promptly of any changes to your personal circumstances.

This Privacy Policy supplements, but does not supersede, the terms of (i) the Rules of Use of this website and (ii) any data protection notice that has previously been provided to you by a member of the Group.

Clydesdale Bank International is a trading name of Clydesdale Bank PLC. The Guernsey branch of Clydesdale Bank PLC is licensed as a deposit taker by the Guernsey Financial Services Commission, under the Banking Supervision (Bailiwick of Guernsey) Law, 1994 as amended.