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The privacy and security of your personal information is very important to us. We will not disclose it to anyone except with your consent or if the law, public duty or our legitimate interests require us to do so.

Please contact us if you have any queries about the privacy of this.

Key privacy policy areas

• General policies
• Using personal information
  What we do with the information you give us as part of an application or at any time during your relationship with us, and the circumstances in which we disclose it to other organisations, such as Credit Reference Agencies and Fraud Prevention Agencies
• Data Protection Act
  Your entitlements under the Data Protection Act.
• DPA legal requirements
  The obligations placed on us by the Data Protection Act.

Our general policies

Email

We will use your e-mail address to respond to your Internet enquiry and notify you of the progress of an application.

Please remember that ordinary e-mail is not secure. In addition, personal information transferred over the Internet may pass through servers in countries without data protection laws. Because of this, we will not use unencrypted e-mails to communicate with you about your account - we only use e-mail to let you know that confidential information is ready for you to collect by other secure methods.

For your own protection, please do not include confidential or other personal information in any unprotected e-mails you send to us.

Using your information for marketing

You have the right to object to the use of your information for marketing. All our application forms obtain consent and include a box you can tick if you do not wish to receive marketing information.

Unless you do so, we will send you information about additional products and services from us, our subsidiaries or other organisations which may be of benefit to you unless you tell us that you no longer wish to receive this.

Although you may be informed about other companies products, we do the marketing and do not pass your details to any other company for their own use.

If you do not wish to receive unsolicited mail from other organisations, you can register your details with one of the Marketing Preference Services run by the Direct Marketing Association.

Site monitoring

We use technical methods (e.g. "cookies") to record details of visits to this site so that we can monitor its use and improve our service.

We only record information about visits, not visitors, so the details of your visit will not be linked to you.

Communicating with us

All communications with us may be monitored/recorded to improve the quality of our service, staff training and for your protection and security.

Links to other sites

This Privacy Policy only covers you while you are on our site. Once you click on a link to another website, the Policy no longer applies.