OUR PRIVACY STATEMENT

This section contains headlines from our full privacy statement. These relate to all services provided by Birmingham Midshires.

This page covers:

1. Where we obtain your information from
2. How we use your information
3. Credit referencing and fraud prevention
4. Your right to your information and how to contact us

Download the full Privacy Statement (PDF)

To view PDF documents you will need the latest version of Adobe Acrobat reader.

To read the PDF document with a screen reader please link to the Access Adobe website.

WHERE WE OBTAIN YOUR INFORMATION FROM

1. When you apply for our products and services, we ask for personal information.
2. The information we collect may be linked with information other HBOS companies already hold.
3. Apart from the information you give us, we may collect information about you from:
   1. Other account holders with whom you are connected,
   2. Your employer,
   3. Information held on the electoral roll,
   4. Other organisations, including credit reference agencies and fraud prevention agencies; and
   5. The way you use our products and services e.g. your transactions.
4. If you apply for insurance, we will pass your details to the insurer, who may add your details to a register if you make a claim.
5. We use 'cookies' and other Internet technologies to help provide our online services.
6. Read full details here, regarding where we obtain your information

HOW WE USE YOUR INFORMATION

1. We use your information to provide the products and services you request and to inform you of other products and services offered by HBOS companies.
2. We may also use your information to:
   1. Check your identity;
   2. Assess lending risks about you and any joints applicants;
   3. Prevent and detect fraud;
   4. Meet any legal obligations imposed on us, including statutory and regulatory reporting.
3. We may also share your information with:
   1. Other members of the HBOS group for the reasons stated above;
   2. Our agents and data processors who provide a service to us and you;
   3. Credit reference and fraud prevention agencies.
4. Occasionally, we may need to share your information with companies outside the European Economic Area. We will only do this if we are satisfied that it will be kept safe and secure.
5. We do not disclose your information to anyone outside the HBOS group, other than for the purposes described above, unless we have your permission or we are legally obliged to do so.
6. Read full details here, regarding how we use your information.

CREDIT REFERENCING AND FRAUD PREVENTION

1. If you apply for a credit-based product, we will perform a search with a credit reference agency.
2. After you open a credit-based product, we will give the agency regular information about how you use it.
3. Other lenders may become aware of our search. If you apply for credit in future, lenders may use its existence in their decision making process.
4. Credit reference agencies may give us information about you, which may be linked to someone with whom you have had a financial association, such as a joint bank account.
5. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.
6. Further details explaining how information held by fraud prevention agencies may be used can be obtained by contacting us at Fraud Prevention Team, Birmingham Midshires, PO Box 81, Pendeford Business Park, Wobaston Road, Wolverhampton, WV9 5HZ.
7. More information on credit referencing
8. What Birmingham Midshires does
9. What credit reference agencies do
10. More information about fraud prevention agencies

YOUR RIGHT TO YOUR INFORMATION / HOW TO CONTACT US

If you have any questions about how we use your data, or would like a copy of the information we hold about you, please contact us at Compliance Team, Birmingham Midshires, PO Box 81, Pendeford Business park, Wobaston Road, Wolverhampton, WV9 5HZ. The Act allows us to charge a fee of £10.
More information on your choices and how to contact us.

Download the full BM Privacy Statement (PDF)

To view PDF documents you will need the latest version of Adobe Acrobat reader.

To read the PDF document with a screen reader please link to the Access Adobe website.