International Corridors. Where you may have international business needs, we will share information relating to your company, products and accounts, including transactional information, with Banco Santander S.A., Santander group companies and other partner banks who may be based in other countries, to better support the international operations of your company and decide whether to offer your company other products and services. For more information on who those other Santander group companies or other partner banks are, you can contact your Relationship Team or call 0000 000 0000. The data shared will include information on your company’s financial position, its auditable accounts, its directors and shareholders and any information held about the company by Santander, such as information about transactions carried out on your accounts with Santander and information regarding any other products and services that you receive from us. We will do this on the basis of our legitimate interests. If you do not want us to share your data in this manner you can speak to us. Unless you have agreed otherwise, if we believe you may have international business needs we will check whether you have accounts held with other Santander group companies. If there are products or services that we or our group of companies or partner banks think may meet your needs we may tell you about these. You can amend your marketing preferences at any time by contacting us. Identity verification and fraud prevention checks The personal data we’ve collected from you at application or at any stage will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment in future. We may also search and use our internal records for these purposes. Further details on how your personal data will be used by us and these fraud prevention agencies, and your data protection rights, can be found in the ‘Using My Personal Data’ booklet. Credit reference checks If you’ve applied for a credit product then in order to process your application, we’ll perform credit and identity checks on you at your home and business address (if you are a business customer) with one or more credit reference agencies. To do this we’ll supply your personal data to the credit reference agencies and they’ll give us information about you. When we carry out a search at the credit reference agencies they’ll place a footprint on your credit file. A credit search may either be: a) a quotation search where a soft footprint is left. This has no effect on your credit score, and lenders are unable to see this; or b) a hard footprint where you’ve agreed/requested Xxxxxxxxx to proceed with your application for credit. This footprint will be viewable by other lenders and may affect your ability to get credit elsewhere. We’ll also continue to exchange information about you with credit reference agencies while you have a relationship with us. The credit reference agencies may in turn share your personal information with other organisations. The personal data shared with the credit reference agencies will relate to you and your business (if you are a business customer). Details about your application (whether or not it’s successful) will be recorded and we’ll give details of your accounts and how you manage them to credit reference agencies. We will use this personal data to manage your account, including any future increase in your credit limit and card limit, and to determine the interest rate payable and the way interest on the account is charged or calculated if you apply for a credit card. If you do not repay any debt in full or on time, they’ll record the outstanding debt and supply this information to others performing similar checks, to trace your whereabouts and to recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.
Appears in 8 contracts
Samples: www.santander.co.uk, www.santander.co.uk, www.santander.co.uk
International Corridors. Where you may have international business needs, we will share information relating to your company, products and accounts, including transactional information, with Banco Santander S.A., Santander group companies and other partner banks who may be based in other countries, to better support the international operations of your company and decide whether to offer your company other products and services. For more information on who those other Santander group companies or other partner banks are, you can contact your Relationship Team or call 0000 000 0000. The data shared will include information on your company’s financial position, its auditable accounts, its directors and shareholders and any information held about the company by Santander, such as information about transactions carried out on your accounts with Santander and information regarding any other products and services that you receive from us. We will do this on the basis of our legitimate interests. If you do not want us to share your data in this manner you can speak to us. Unless you have agreed otherwise, if we believe you may have international business needs we will check whether you have accounts held with other Santander group companies. If there are products or services that we or our group of companies or partner banks think may meet your needs we may tell you about these. You can amend your marketing preferences at any time by contacting us. Identity verification and fraud prevention checks The personal data we’ve collected from you at application or at any stage will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment in future. We may also search and use our internal records for these purposes. Further details on how your personal data will be used by us and these fraud prevention agencies, and your data protection rights, can be found in the ‘Using My Personal Data’ booklet. Credit reference checks If you’ve applied for a credit product then in order to process your application, we’ll perform credit and identity checks on you at your home and business address (if you are a business customer) with one or more credit reference agencies. To do this we’ll supply your personal data to the credit reference agencies and they’ll give us information about you. When we carry out a search at the credit reference agencies they’ll place a footprint on your credit file. A credit search may either be: a) a quotation search where a soft footprint is left. This has no effect on your credit score, and lenders are unable to see this; or b) a hard footprint where you’ve agreed/requested Xxxxxxxxx Santander to proceed with your application for credit. This footprint will be viewable by other lenders and may affect your ability to get credit elsewhere. We’ll also continue to exchange information about you with credit reference agencies while you have a relationship with us. The credit reference agencies may in turn share your personal information with other organisations. The personal data shared with the credit reference agencies will relate to you and your business (if you are a business customer). Details about your application (whether or not it’s successful) will be recorded and we’ll give details of your accounts and how you manage them to credit reference agencies. We will use this personal data to manage your account, including any future increase in your credit limit and card limit, and to determine the interest rate payable and the way interest on the account is charged or calculated if you apply for a credit card. If you do not repay any debt in full or on time, they’ll record the outstanding debt and supply this information to others performing similar checks, to trace your whereabouts and to recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.
Appears in 2 contracts
Samples: www.santander.co.uk, www.santander.co.uk
International Corridors. Where you may have international business needs, we will share information relating to your company, products and accounts, including transactional information, with Banco Santander S.A., Santander group companies and other partner banks who may be based in other countries, to better support the international operations of your company and decide whether to offer your company other products and services. For more information on who those other Santander group companies or other partner banks are, you can contact your Relationship Team or call 0000 000 0000. The data shared will include information on your company’s financial position, its auditable accounts, its directors and shareholders and any information held about the company by Santander, such as information about transactions carried out on your accounts with Santander and information regarding any other products and services that you receive from us. We will do this on the basis of our legitimate interests. If you do not want us to share your data in this manner you can speak to us. Unless you have agreed otherwise, if we believe you may have international business needs we will check whether you have accounts held with other Santander group companies. If there are products or services that we or our group of companies or partner banks think may meet your needs we may tell you about these. You can amend your marketing preferences at any time by contacting us. Identity verification and fraud prevention checks The personal data we’ve collected from you at application or at any stage will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment in future. We may also search and use our internal records for these purposes. Further details on how your personal data will be used by us and these fraud prevention agencies, and your data protection rights, can be found in the ‘Using My Personal Data’ booklet. Credit reference checks If you’ve applied for a credit product then in order to process your application, we’ll perform credit and identity checks on you at your home and business address (if you are a business customer) with one or more credit reference agencies. To do this we’ll supply your personal data to the credit reference agencies and they’ll give us information about you. When we carry out a search at the credit reference agencies they’ll place a footprint on your credit file. A credit search may either be: a) a quotation search where a soft footprint is left. This has no effect on your credit score, and lenders are unable to see this; or b) a hard footprint where you’ve agreed/requested Xxxxxxxxx Santander to proceed with your application for credit. This footprint will be viewable by other lenders and may affect your ability to get credit elsewhere. We’ll also continue to exchange information about you with credit reference agencies while you have a relationship with us. The credit reference agencies may in turn share your personal information with other organisations. The personal data shared with the credit reference agencies will relate to you and your business (if you are a business customer). Details about your application (whether or not it’s successful) will be recorded and we’ll give details of your accounts and how you manage them to credit reference agencies. We will use this personal data to manage your account, including any future increase in your credit limit and card limit, and to determine the interest rate payable and the way interest on the account is charged or calculated if you apply for a credit card. If you do not repay any debt in full or on time, they’ll record the outstanding debt and supply this information to others performing similar checks, to trace your whereabouts and to recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.. A financial association link between joint applicants will be created at the credit reference agencies. This will link your financial records and will be taken into account in all future applications by either or both of you until either of you apply for a notice of disassociation with the credit reference agencies. Very occasionally, if we have insufficient information about you and you apply for a credit card, we may use the information about other members of your family. If you’re a business customer and you’re a director, we will seek confirmation from the credit reference agencies that the residential address that you provide is the same as that shown on the restricted register of directors’ usual addresses at Companies House. The identities of the credit reference agencies, and the ways in which they use and share personal information is explained in more detail in the ‘Using My Personal Data’ booklet, or via the Credit Reference Agency Information Notice (XXXXX) document which can be accessed via any of the following links: xxxxxxxx.xx.xx/xxxxx xxxxxxx.xx.xx/xxxxx xxxxxxxxxx.xx.xx/xxxxx Your marketing preferences and related searches We’ll use your home address, phone numbers, email address and social media (e.g. Facebook, Google and message facilities in other platforms) to contact you according to your preferences. You can change your preferences or unsubscribe at any time by contacting us. In the case of social media messages you can manage your social media preferences via that social media platform. We may search the files at credit reference agencies before sending marketing communications or doing marketing in-branch to you about credit. The credit reference agencies don’t record this particular search or show it to other lenders and it won’t affect your credit rating. We do this as part of our responsible lending obligations which is within our legitimate interests. If you have previously told us that you don’t want information on other products and services or to be included in market research, we’ll continue to respect your wishes. If you now wish to change your marketing preferences you can contact us on 0000 000 0000** (lines are open 8am to 9pm Monday to Friday and Saturday 8am to 2pm) Automated decision making and processing Automated decision making involves processing your personal data without human intervention to evaluate your personal situation such as your economic position, personal preferences, interests or behaviour, for instance in relation to transactions on your accounts, your payments to other providers, and triggers and events such as account opening anniversaries and maturity dates. We may do this to decide what marketing communications and marketing in-branch is suitable for you, to analyse statistics and assess lending and insurance risks. All this activity is on the basis of our legitimate interests, to protect our business, and to develop and improve our products and services, except as follows; when we do automated decision making including profiling activity to assess lending and insurance risks, this will be performed on the basis of it being necessary to perform the contract with you or to take steps to enter into that contract. Further details can be found in the ‘Using My Personal Data’ booklet. Other information about you if you are a business customer We may also hold all the information you give to us (i.e. name, address, date of birth, nationality) in order to undertake periodic due diligence checks which banks are required to undertake to comply with UK legislation. Criteria used to determine retention periods (whether or not you become a customer) The following criteria are used to determine data retention periods for your personal data: Retention in case of queries. We’ll retain your personal data as long as necessary to deal with your queries (e.g. if your application is unsuccessful); Retention in case of claims. We’ll retain your personal data for as long as you might legally bring claims against us; and Retention in accordance with legal and regulatory requirements. We’ll retain your personal data after your account, policy or service has been closed or has otherwise come to an end based on our legal and regulatory requirements. Your rights under applicable data protection law Your rights are as follows (noting that these rights don’t apply in all circumstances and that data portability is only relevant from May 2018): The right to be informed about our processing of your personal data; The right to have your personal data corrected if it’s inaccurate and to have incomplete personal data completed; The right to object to processing of your personal data; The right to restrict processing of your personal data; The right to have your personal data erased (the 'right to be forgotten'); The right to request access to your personal data and information about how we process it; The right to move, copy or transfer your personal data ('data portability'); and Rights in relation to automated decision making including profiling. You have the right to complain to the Information Commissioner’s Office. It has enforcement powers and can investigate compliance with data protection law: xxx.xxx.xx. For more details on all the above you can contact our DPO or request the ‘Using My Personal Data’ booklet by asking for a copy in branch or online at xxxxxxxxx.xx.xx. Data anonymisation and aggregation Your personal data may be converted into statistical or aggregated data which can’t be used to identify you, then used to produce statistical research and reports. This aggregated data may be shared and used in all the ways described above. *Group companies For more information on the Santander group companies, please see the ‘Using My Personal Data’ booklet. **Calls may be recorded and monitored Business Banking Terms and Conditions and Important Information
Appears in 1 contract
Samples: www.santander.co.uk
International Corridors. Where you may have international business needs, we will share information relating to your company, products and accounts, including transactional information, with Banco Santander S.A., Santander group companies and other partner banks who may be based in other countries, to better support the international operations of your company and decide whether to offer your company other products and services. For more information on who those other Santander group companies or other partner banks are, you can contact your Relationship Team or call 0000 000 0000. The data shared will include information on your company’s financial position, its auditable accounts, its directors and shareholders and any information held about the company by Santander, such as information about transactions carried out on your accounts with Santander and information regarding any other products and services that you receive from us. We will do this on the basis of our legitimate interests. If you do not want us to share your data in this manner you can speak to us. Unless you have agreed otherwise, if we believe you may have international business needs we will check whether you have accounts held with other Santander group companies. If there are products or services that we or our group of companies or partner banks think may meet your needs we may tell you about these. You can amend your marketing preferences at any time by contacting us. Identity verification and fraud prevention checks The personal data we’ve collected from you at application or at any stage will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment in future. We may also search and use our internal records for these purposes. Further details on how your personal data will be used by us and these fraud prevention agencies, and your data protection rights, can be found in the ‘Using My Personal Data’ booklet. Credit reference checks If you’ve applied for a credit product then in order to process your application, we’ll perform credit and identity checks on you at your home and business address (if you are a business customer) with one or more credit reference agencies. To do this we’ll supply your personal data to the credit reference agencies and they’ll give us information about you. When we carry out a search at the credit reference agencies they’ll place a footprint on your credit file. A credit search may either be: a) a quotation search where a soft footprint is left. This has no effect on your credit score, and lenders are unable to see this; or b) a hard footprint where you’ve agreed/requested Xxxxxxxxx Santander to proceed with your application for credit. This footprint will be viewable by other lenders and may affect your ability to get credit elsewhere. We’ll also continue to exchange information about you with credit reference agencies while you have a relationship with us. The credit reference agencies may in turn share your personal information with other organisations. The personal data shared with the credit reference agencies will relate to you and your business (if you are a business customer). Details about your application (whether or not it’s successful) will be recorded and we’ll give details of your accounts and how you manage them to credit reference agencies. We will use this personal data to manage your account, including any future increase in your credit limit and card limit, and to determine the interest rate payable and the way interest on the account is charged or calculated if you apply for a credit card. If you do not repay any debt in full or on time, they’ll record the outstanding debt and supply this information to others performing similar checks, to trace your whereabouts and to recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.. A financial association link between joint applicants will be created at the credit reference agencies. This will link your financial records and will be taken into account in all future applications by either or both of you until either of you apply for a notice of disassociation with the credit reference agencies. Very occasionally, if we have insufficient information about you and you apply for a credit card, we may use the information about other members of your family. If you’re a business customer and you’re a director, we will seek confirmation from the credit reference agencies that the residential address that you provide is the same as that shown on the restricted register of directors’ usual addresses at Companies House. The identities of the credit reference agencies, and the ways in which they use and share personal information is explained in more detail in the ‘Using My Personal Data’ booklet, or via the Credit Reference Agency Information Notice (XXXXX) document which can be accessed via any of the following links: ⭘ xxxxxxxx.xx.xx/xxxxx ⭘ xxxxxxx.xx.xx/xxxxx ⭘ xxxxxxxxxx.xx.xx/xxxxx Your marketing preferences and related searches We’ll use your home address, phone numbers, email address and social media (e.g. Facebook, Google and message facilities in other platforms) to contact you according to your preferences. You can change your preferences or unsubscribe at any time by contacting
Appears in 1 contract
Samples: www.santander.co.uk
