Current Accounts - Data Protection Statement

Data Protection Statement

I confirm that I am entitled to give information about any partner or spouse named on the application.

Using my personal information

Whether or not I become a customer, you may use all the information I give to you Santander UK plc, or you hold on me to provide and run the account(s) or service(s) I have applied for. This includes information about the conduct (including details of transactions) of any account that I have with you, a group company or an associated company. You may also use my information to help you develop and improve your products and services. You will keep information about me after my account(s) is/are closed or my policy has ended.

Sharing my personal information

You may share my information for the purposes described in this statement with the group of companies to which you belong (the Santander group) and your associated companies, and with service providers or agents. These companies may be based in other countries. I understand that you will make sure that my information is only used in line with your instructions and your own strict policies on confidentiality. If you transfer my information to another country, you will also make sure that you give it the same levels of protection as needed under the UK Data Protection Act. You may also give essential information about my account(s) and cards (if any) to others if needed to manage my account(s) and/or renew my account or policy and for regulatory purposes. I can click here to see a list of the group companies you may share my information with.

My marketing preferences

You may invite me to take part in market research surveys and identify and let me know by post, telephone or electronic media (including email and SMS) of products or services, which your group of companies and its associated companies think may interest me. (If I am aged over 18, when deciding whether to provide me with details of a credit product you may search the files of credit reference agencies which will not make a record of this search available to other lenders who search my file).
If I have previously told you that I don't want information on other products and services or to be included in market research, you will continue to respect my wishes. I can change my preferences any time. Unless I have said otherwise, by continuing with this application, I agree to you contacting me using any of the methods mentioned above.

Credit reference agencies - (for current accounts)

I understand that when you assess this application, and any future increase in my credit or overdraft limit (this does not apply to the basic Current account and those under 18), you will use the information (including information about the conduct of any of my accounts) for credit assessment, which may include credit scoring. For more information on how credit scoring works, I can read the 'Your application and credit scoring' leaflet. You may make any enquiries relating to me that you consider necessary (for example, from another financial institution) and search the files of credit reference agencies, which will keep a record of each search. This could affect my ability to get credit elsewhere within a short period of time. Details about this application (whether or not it goes ahead) will be recorded at the credit reference agency. A financial link between joint applicants or between myself and any named partner or spouse will be created at the credit reference agency. This will link our financial records, where each will be taken into account in all future applications by either or both of us. If I already have a financial association you will assess my application on this basis. This situation will continue until one of us successfully files for a 'disassociation' at the credit reference agency. You will also pass details about me and how I manage my account (if my application is successful) to credit reference agencies. I understand that this will include if I fail to make agreed payments into my account (even if I stay within the agreed Advance Overdraft limit) and that this information may affect my ability to get credit.

Verifying my identity and fraud checks

Before you can open my account(s), or set up my policy, in order to prevent or detect fraud you will check and share the information in this application or at any stage with fraud prevention agencies, and may make searches at credit reference agencies who will supply you with information, including information from the electoral register, for the purposes of verifying my identity. Scoring methods may be used to verify my identity. A record of this process will be kept that may be used to help other companies to verify my identity. If false or inaccurate information is provided and fraud identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

You and other organisations may search and use the records held by credit reference and fraud prevention agencies to prevent and investigate crime, fraud and money laundering and for example:

to check details provided on applications for credit and credit related or other facilities
to verify my identity if I or my financial associate applies for other facilities
to undertake statistical analysis and system testing
to manage credit and credit related accounts or facilities
to recover debt
to check details on proposals and claims for all types of insurance
to check details of job applicants and employees

You may also search and use your internal records for these purposes.

You and other organisations may search and use from other countries the information recorded at fraud prevention agencies. Further information on the credit reference agencies and fraud prevention agencies you use is available by telephoning 0845 602 0319.

Cards on my account

If I have cards on my account(s), I understand that you may give information on transactions I have made using my cards on my account(s) to any payment system under which you issue my cards (for example Visa or MasterCard), who may transfer the information overseas to deal with transactions, to resolve disputes and for statistical purposes.

Access to my information

I understand I have the right to see certain records you hold about me if I pay a fee and I can get an information sheet explaining my rights, from any branch.

If I am under 18 (for Youth Current Accounts)

I understand my account will automatically transfer to 16-18 facilities when I reach 16 and there will be further changes when I reach 18. You will give me more information about these transfers shortly before they happen. If at any time I want to know more about this, I will contact you.

By continuing with this application, I agree that you can use my information in the ways you have described. If I am not sure about anything, I will ask my parent or guardian before signing.

If I apply for a Credit Card:
Using my personal information

Whether or not I become a customer, you may use all the information I give to you Santander Cards Limited and Santander UK plc, or you hold on me to provide and run the account or service I have applied for. This includes information about the conduct (including details of transactions) of any account that I have with you, a group company or an associated company. You may also use my information to help you develop and improve your products and services. You will keep information about me after my account is closed.

Sharing my personal information

You may share my information for the purposes described in this statement with the group of companies to which you belong (the Santander group) and your associated companies, and with service providers or agents. These companies may be based in other countries. I understand that you will make sure that my information is only used in line with your instructions and your own strict policies on confidentiality. If you transfer my information to another country, you will also make sure that you give it the same levels of protection as needed under the UK Data Protection Act. You may also give essential information about my account and cards (if any) to others if needed to run my account and for regulatory purposes. I can click here to see a list of the group companies you may share my information with.

Credit reference agencies

I understand that when you assess this application and to manage my Account, including any future increase in my Credit Limit and Card and to determine the interest rate payable and the way interest on the Account is charged or calculated, you will use the information (including external credit reference data and information about the conduct of any of my accounts) for credit assessment, which may include credit scoring. This may involve the use of automated processes and the making of automated decisions. For more information on how credit scoring works, I can read the 'Your application and credit scoring' leaflet. You may make enquiries relating to me that you consider necessary (for example, from another financial institution) and search the files of the credit reference agencies, which will keep a record of each search. This could affect my ability to get credit elsewhere within a short period of time. Details about this application (whether or not it goes ahead) will be recorded at the credit reference agency. A financial link between joint applicants or between myself and any named partner or spouse will be created at the credit reference agency. This will link our financial records (including records of any previous and subsequent names), where each will be taken into account in all future applications by either or both of us. If I already have a financial association you will assess my application on this basis. This situation will continue until one of us successfully files for a 'disassociation' at the credit reference agency. Very occasionally, if you have insufficient information about me you may use the information about other members of my family. You will also pass details about me and how I run my account to credit reference agencies. I understand that this will include if I fail to make agreed payments into my Account even if I remain within the agreed Credit Limit, and that this information may affect my ability to get credit.

Verifying my identity and fraud checks

You and other organisations may search and use the records held by credit reference and fraud prevention agencies to prevent and investigate crime, fraud and money laundering and for example:

to check details provided on applications for credit and credit related or other facilities
to verify my identity if I or my financial associate applies for other facilities
to undertake statistical analysis and system testing
to manage credit and credit related accounts or facilities
to recover debt
to check details on proposals and claims for all types of insurance
to check details of job applicants and employees

You may also search and use your internal records for these purposes.

Cards on my account

I understand that you may give information on Transactions I have made using my Cards on my Account to any payment system under which you issue my Cards (for example Visa or MasterCard), who may transfer the information overseas to deal with transactions, to resolve disputes and for statistical purposes.

Access to my information

I understand I have the right to see certain records you hold about me if I pay a fee and I can get an information sheet explaining my rights from any branch.

Santander Group Companies

Information about me and my account may be shared with and used by the group of companies to which you belong (the Santander group) in order to run my account. My information may also be shared for marketing purposes if I have agreed to this.

The Santander group companies include:

Banco Santander, S.A.
Santander UK plc (including cahoot customers)
Santander ISA Managers Ltd
Santander Cards Ltd
Abbey National International Ltd (Abbey International)
Abbey Stockbrokers Ltd
Alliance & Leicester Commercial Bank plc
Santander Asset Finance plc
Alliance & Leicester International Ltd
Cater Allen Ltd (Cater Allen)
Santander Asset Management UK Ltd
Santander Consumer (UK) plc
Abbey National Treasury Services plc (trading as Santander Global Banking & Markets)
Santander Insurance Services UK Ltd
Santander Unit Trust Managers UK Ltd

I can contact the Data Protection Team at 201 Grafton Gate East, Milton Keynes, MK9 1AN, tel: 01908 344061 for further details.

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