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Legal and Privacy

National Australia Bank Group Websites Privacy and Security Policy
Use of Personal Information
Confidentiality
Fraud Prevention Agencies
Credit Reference Agencies
Marketing
Email addresses
Provision of services and transfer of information
How we protect your data
Viruses, Hacking and Other Offences
Unaffiliated Websites
Use of Cookies
Queries
Right of Access to your information

Clydesdale Bank International is a trading name of Clydesdale Bank PLC. The Guernsey Branch of Clydesdale Bank PLC is licensed by the Guernsey Financial Services Commission as a deposit-taking business, under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, as amended. Clydesdale Bank International is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for ‘qualifying deposits’ up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period.

Full details are available on the Scheme's website www.dcs.gg or on request.

There is currently no Financial Services Ombudsman Scheme operational in Guernsey. Deposits with Clydesdale Bank International are not covered by the Financial Services Compensation Scheme established in the UK under the Financial Services and Markets Act 2000, nor are deposits with Clydesdale Bank International covered by any equivalent scheme in any other jurisdiction.

Principal place of business in Guernsey: Clydesdale House, North Clifton, St Peter Port, Guernsey, GY1 1JR

Telephone: + 44 (0) 1481 711102 Fax: + 44 (0) 1481 723663

Clydesdale Bank PLC. Registered in Scotland (No. SC001111). Registered Office: 30 St Vincent Place, Glasgow, G1 2HL.

View full details of The Guernsey Banking Compensation Scheme

Clydesdale Bank PLC is a member of the National Australia Bank Group (the "Group") and is authorised and regulated by the Financial Services Authority.

The Group includes National Australia Group Europe Limited , each subsidiary or holding company thereof from time to time and each subsidiary from time to time of any such holding company. A complete list is available on request.

In this Privacy Policy, a reference to "we", "us" or "our" is a reference to the Group or a member of the Group, as appropriate.

National Australia Bank Group Websites Privacy and Security Policy

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

Use of Personal Information

Clydesdale Bank International will share information about you with other members of the Group. The following sections explain in more detail how and for what purposes the Group will use your personal information.

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

If you register for our internet banking services, any details you provide will 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 Clydesdale Bank International 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. The information we process about you will be obtained from various sources including:

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 prevention agencies; and
From persons who know you including joint account holders and persons with whom you are financially linked in the context of a particular product.

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. Such information may also include sensitive personal data, such as information relating to your health, or criminal convictions or proceedings. However we only hold such data where we need to for the purposes of the product or services we provide to you or it is in our normal course of business to do so; for example, insurance products.

We will use your information:

To operate and administer the products and services we provide to you;
To assess the suitability of our products and services for you;
To analyse the operation of your accounts and services and your purchasing preferences;
To make credit decisions about you which may involve credit scoring;
To develop, improve and market our products and services generally;
For the prevention of fraud and money laundering;
For market and product analysis purposes; and
For debt recovery purposes.

We may also use your information for system testing purposes.

Where a third party has introduced your custom to the Group we may pass back to the introducer necessary information to enable administration of any payment or settlement.

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. We will tell you the reason for any decision that we make, if you request us to do so. You have the right to ask us to review such decisions manually.

Clydesdale Bank International is registered with the Data Protection Commissioner, Registration Number 011379, under the Data Protection Law 2001. The information held by the Bank about the client may only be disclosed outside of the Bank at the request and with the client's consent, to the Bank's agents and others in connection with the running of accounts and services for the client. In certain circumstances, we may from time to time be required to disclose your information to governmental, regulatory or judicial bodies or agencies. The information you provide us and that we collect may be used to contact you with other products or services provided by the Company. If you do not wish to receive this information, please tick the box to opt out of marketing on the application form.

Plus within the right of access to your information section, the response to such a request in Guernsey is 60 calendar days from the date of receipt and payment

Confidentiality

We will treat all your information as confidential and will not give your information to anyone except where:

We are permitted to do so by law;
We have a public duty to disclose the information;
We need to do so to comply with the requirements, codes or recommendations of any of our regulators;
We have your consent (which is not necessarily required to be in writing);
It is necessary for the performance of any product or service that we provide to you; or
We have transferred any of our rights or obligations to another party.

Fraud Prevention Agencies

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

Checking details on applications for credit and credit related or other facilities;
Managing credit and credit related accounts or facilities;
Recovering debt; Checking details on proposals and claims for all types of insurance; or
Checking details of job applicants and employees.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Credit Reference Agencies

In order to assess any applications that you may make for credit products or any request for an increase to any existing credit product that we may already provide to you, your suitability for, or to provide you with, credit products and services, we will search the records of one or more licensed credit reference agencies to obtain information on you.

These agencies may add details of our search and your application to the records they hold on you, whether or not your application proceeds. We may also add details of how your agreements or accounts operate with us to these records including any default or failure to keep to the terms of your agreement and any failure to advise us of a change of address where a payment is overdue.

Credit searches and other information provided to the credit reference agencies and fraud prevention agencies about you, and those with whom you are linked financially, may be used and disclosed by such agencies to other companies unrelated to us for the purposes mentioned above. Credit reference agencies will also use the information for statistical analysis about credit, insurance and fraud.

For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records. An "association" between joint applicants and/or any individual identified as your financial partner will be created at credit reference agencies, which will link your financial records. You and anyone else with whom you have a financial link understand that each other's information will be taken into account in all future applications by either or both of you. This linking will continue until one of you successfully files a 'disassociation' at the credit reference agencies. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners.

If you would like details of the agencies from which we obtain and record information about you, please write to: Central Refer Unit, 20 Merrion Way, Leeds, LS2 8NZ.

Marketing

We may contact you by post, phone, fax, e-mail, SMS text or other reasonable means to inform you about products and services supplied by ourselves and/or selected third parties that we consider may be of interest to you. We will not pass your information to anyone outside our Group for their own marketing purposes. You can inform us at any time if you do not want to receive marketing information by any one or all of these means.

Email addresses

We respect the privacy of personal email accounts and we store your email addresses just as securely as other personal information. Your details will not be passed to any organisation 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 will NEVER contact customers via email asking to supply any confidential information, telephone or internet banking login details.

Provision of services and transfer of information

From time to time we will engage service providers, agents and subcontractors to provide services. They will have access to, and will process, your information on our behalf to provide such services.

How we protect your data

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 we shall not be liable for any such information being intercepted or accessed by any third party without our knowledge.

Viruses, Hacking and Other Offences

Clydesdale Bank PLC and its related companies and businesses and personnel cannot guarantee that any file or program available for download and/or execution from or via this Site is free of computer viruses or other conditions which could damage or interfere with data, hardware or software with which it might be used. All files and/or programs published on this Site are published on the strict condition that you, the user, assume all risk of use and Clydesdale Bank PLC hereby excludes liability for all and any consequences of your use of such files or programs.

You will not transmit any technically harmful postings or transmissions to or through this Site (which shall include but not be limited to computer viruses, logic bombs, Trojan horses, worms, harmful components, corruptive data or other malicious software or harmful data) or engage in other practices of mis-use (which shall include but not be limited to hacking).

Clydesdale Bank PLC does not accept any liability for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this Site or to your downloading of any material posted on it, or on any website linked to it.

Unaffiliated Websites

This Site contains links to other websites or web pages either directly or through frames and, where possible, Clydesdale Bank PLC will make it clear where such links are being made. Links to third party websites or web pages on this Site are provided solely as a convenience to you. If you use these links you will leave this Site. Clydesdale Bank PLC has not reviewed all of these third party Sites and does not control, is not responsible and shall have no liability for any of such sites, their availability or their content. Accordingly, Clydesdale Bank PLC does not endorse or make any representations about them or any products, services, information or materials on such third party sites or any results that may be obtained by using them. If you decide to access any third party sites which are linked to from this Site you do this entirely at your own risk. Please advise us immediately if you consider any link pages to be inappropriate, illegal or offensive.

Use of Cookies

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.

Any changes we may make to out privacy policy in the future will be posted on this page and, where appropriate, notified to you. 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.

Queries

If you would like any further information on the Data Protection Law and your rights under it, you can also contact The Data Protection Commissioner, Frances House, William Place, St Peter Port Guernsey.

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.

Right of Access to your information

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, Clydesdale House, North Clifton, St Peter Port, Guernsey GY1 1JR. 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.

Legal and Privacy