Privacy Policy
Please read our Privacy Policy carefully before using this website ("the Site"). By "our/we/us/ours" we mean Barclays Bank PLC and its wholly and partly owned subsidiaries and any company in which it has an interest by way of shareholding or any company in a group of companies to which it may belong ('our group'). By "our sites" we mean any internet website operated by Barclays Bank PLC and any company in our group.
Our most important asset is our relationship with you. We understand that you have entrusted us with your private financial information, and we do everything we can to maintain that trust.
Your Information
In order to provide you with products and services we need to collect, use, share and store personal and financial information about you ("your information"). This includes information which we:
a) obtain from you or from third parties, such as employers, joint account holders, credit reference agencies (who may search the Electoral Register), fraud prevention agencies or other organisations, when you apply for an account or any other product or service, or which you or they give to us at any other time: or
b)learn from the way you use and manage your account(s), from the transactions made such as the date, amount, currency and the name and type of supplier.
You understand and agree the following
We will store and process Your Information on our and our affiliates’ computers and in any other way.
Where you provide personal and financial information relating to others (including a User) for the purposes of administering or managing your account or obtaining the services, you acknowledge that you have their consent to provide personal and financial information to us and for us to process it as detailed and in accordance with the applicable Terms and Conditions.
We and our affiliates will use Your Information to manage your Account(s), give you statements and provide our services for assessment and analysis (including credit and/or behaviour-scoring, market and product analysis), to prevent and detect fraud, money laundering and other crime, carry out regulatory checks and meet our obligations to any relevant regulatory authority, and to develop and improve our services to you and other customers and protect our interests.
We and our affiliates will use Your Information to inform you by letter, telephone, text (or similar) messages, digital television, e mail and other electronic methods, about products and services (including those of others) which may be of interest to you. You may tell us at any time if you do not wish to receive marketing communications from us and/or our affiliates by writing to us providing your full name, address and account details.
We give your information to and receive information from credit reference agencies and fraud prevention agencies. We and other organisations may access and use this information to prevent and detect fraud, money laundering and other crimes and to make credit assessments. Examples of circumstances when your information or information relating to your partner or other members of your household may be shared include:
• 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
• Checking details of job applicants and employees
• Making enquiries when you ask for any lending products and to assist in managing your account:
Information held about you by the credit reference agencies may already be linked to records relating to your partner or members of your household where a financial “association” has been created. Any enquiry we make at a credit reference agency may be assessed with reference to any “associated" records. Another person’s record will be ‘associated’ with yours when:
• You make a joint application
• You advise us of a financial association with another person; or
• If the credit reference agencies have existing linked or ‘associated’ records.
This ‘association’ will be taken into account in all future applications by either or both of you and shall continue until one of you applies to the credit reference agencies and is successful in filing a ‘disassociation’.
We do not give information about savings accounts to credit reference agencies. Credit reference agencies keep a record of our enquiries and may record, use and give out information we give them to other lenders, insurers and other organisations. If false or inaccurate information is provided or fraud is suspected, details may be passed to fraud prevention and credit reference agencies. Law enforcement agencies may access and use this information. The information recorded by fraud prevention agencies may be accessed and used by organisations in the UK and in other countries. Please contact us if you want to receive details of the relevant fraud prevention agencies.
In the event of your identity not being confirmed you will be required to provide additional information and evidence to us relating to your identity. The information and evidence will consist of a certified copy of your passport or a certified copy of your driver’s licence and an original bank or building society statement or an original utility bill, both of which must be dated within 3 months, or such other documentation deemed relevant by us. If we do not receive satisfactory evidence of your identity an account will not be opened for you.
You agree that your banks can provide us with information as to the operation of your accounts and provide a banker's opinion upon request by us.
We may record or monitor telephone calls and monitor electronic communications (including emails) between us so that we can check instructions and make sure that we are meeting our service standards. Internet communications are not secure unless the data being sent is encrypted. We cannot accept any responsibility for unauthorised access by a third party or the corruption of data sent to us. For security purposes we may monitor e-mails received by us or issued by us.
We may give information about you and how you manage your account to the following:
– Other companies within the Barclays Group.
– People who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential.
– To companies and organisations that help us to process transactions for your account, for example, executing your trades at an exchange
– To a User for the purpose of managing and administering the account
– Anyone to whom we transfer or may transfer our rights and duties under this agreement.
– Any third party as a result of any restructure, sale or acquisition of any company within the Barclays Group, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us.
– We may also give out information about you if we have a duty to do so or if the law allows us to do so.
Otherwise we will keep information about you confidential.
If we transfer your information to a person, office, branch or organisation located in another country, we will make sure that they agree to apply the same levels of protection as we are required to apply to your information and to use your information strictly in accordance with our instructions.
We will retain information about you after the closure of your account or if your application is declined or abandoned for as long as permitted for legal, regulatory, fraud prevention and legitimate business purposes.
You may be able to access your records under the terms of the Data Protection Act 1998. For more details please write to The Data Protection Co-ordinator, Barclays Stockbrokers Limited, Tay House, 300 Bath Street, Glasgow G2 4LH.
Cookies and IP addresses
To make using our website as straightforward as possible and to improve the service we offer you, we use cookies and IP addresses.
Cookies are harmless text files that web servers can store on your computer's hard drive when you visit a site. They allow the server to recognise you when you revisit. There are two main types :
Transient (or per-session) cookies - these only exist for your site visit and are deleted on exit. They recognise you as you move between pages, for example, recording items added to an online shopping basket. These cookies also help maintain security.
Persistent (or permanent) cookies - these stay on your machine until expiry or deletion. Many are built with an automatic deletion date to help ensure your hard drive doesn’t get overloaded. These cookies often store and re-enter your log-in information, so you don't need to remember membership details.
We use both types of cookie.
Additionally, cookies can be first or third party cookies. First party cookies are owned & created by the website you’re viewing. Third party cookies are owned & created by an independent company, usually a company providing a service to the website owners.
Internet cookies are common and do not harm your system – they just store or gather site information. They help you do things online, like remembering logon details so you don’t have to re-enter them when revisiting a site.
We use cookies to:
1. Gather customer journey information across our sites
2. Ensure your privacy in our secure sites
3. Store login details for our secure sites
4. Temporarily store details input into our calculators, tools, illustrations and demonstrations
5. Store details of your marketing, product and business unit preferences to improve our targeting and enhance your journey through our sites
6. Evaluate our sites advertising and promotional effectiveness (we own the anonymous data collected, which is not shared with anyone).
We use both our own (first party) and partner companies’ (third party) cookies to support these activities.
We don’t use cookies to track people’s Internet usage after leaving our sites and we don’t store personal information in them others could read and understand. We will not sell or distribute cookie information without your prior consent.
Services requiring enabled cookies
Some of our services, including by Barclays Stockbrokers Limited, require cookies in your browser to view and use them and to protect your financial and personal information.
To enable or disable cookies, follow the instructions provided by your browser (usually located within the “Help”, “Tools” or “Edit” facility). Alternatively, an external resource is available at www.allaboutcookies.org/manage-cookies providing specific information about cookies and how to manage them to suit your preferences.
Please note that should you choose to set your browser to disable cookies, you may not be able to access secure areas of this Site, for example any online accounts you may hold.
Secure online services
Any secure online services you subscribe to with us may use cookies to enable information about you and your preferences to be stored and to prevent unauthorised access to your services and information. Cookies must usually be accepted in such circumstances - without them we cannot ensure your information is secure (and people rejecting cookies can’t use the services).
IP Address
An IP address is a unique number that identifies your computer while connected to the Internet. IP addresses are not linked to personally identifiable information. We also use IP addresses to analyse overall visitor behaviour and preferences on the Site.
We reserve the right to use other tracking technologies in the future.