How your personal information is used by Lloyds Banking Group companies
Last updated March 2010
1. Introduction
1.1 The Lloyds TSB companies ("us" or "we") includes all companies
with the Lloyds TSB name, Cheltenham & Gloucester plc and Scottish Widows plc,
and their associated companies. For more information about the Lloyds TSB please
visit Information about us.
1.2 Please read this Privacy Policy to understand how we use and protect the information
that you provide to us through the "Website".
1.3 By accessing any part of this Website or providing any information to us you
consent to the use and transfer of your information on the terms set out in this
Privacy Policy.
1.4 We reserve the right to revise or supplement this Privacy Policy from time to
time at our sole discretion and you agree to revisit this page regularly to ensure
that you are familiar with the most current version. By continuing to access or
use the Website you will be agreeing to any such changes.
1.5 If you are a customer of a Lloyds TSB company, details of the information we
collect and how we use it will also be set out in the terms and conditions of the
product or service which you hold. In the event of a conflict between this Privacy
Policy and the terms and conditions of your specific product or service, the terms
and conditions of your specific product or service will take precedence.
2. Information we collect from you
2.1 In general you can visit this Website without telling us who you are or revealing
any information about yourself. However, there are parts of this Website where we
may need to collect personal information from you, including without limitation
your name, post and email addresses, fax and telephone numbers, employment details,
date of birth and banking details.
3. Use of information collected
3.1 Domain name information that we collect is not used to personally identify you
and instead is aggregated to measure the number of visits, average time spent on
the Website, pages viewed etc. We use this information to measure the use of our
Website and to improve its contents.
3.2 When other personal information, such as your name and email address is collected
from you (for example through online forms or via email etc) we generally let you
know at the time of collection how we will use that personal information. We may
also use the personal information you provide or which we collect via this Website
for the purposes of:
(i) providing you with services which you have requested and notifying you about
important changes or developments to these services;
(ii) updating our records about you;
(iii) crime detection, prevention and prosecution;
(iv) responding to your inquiries and complaints or to process your requests in
relation to your information;
(v) administering offers, competitions and other promotions;
(vi) evaluating the effectiveness of our marketing and for research, training and
statistical analysis with the aim of improving our services; and
(vii) making the Website easier for you to use and providing you with access to
certain parts of the Website.
3.2 We may also contact you about products and services available from Lloyds TSB
companies, and from selected companies outside the group, which we believe may interest
you or benefit you financially. We may do this by post or by phone unless you have
told us not to; and by email, text or other electronic means if you have told us
that we can or as otherwise allowed by law. You may tell us at any time if you change
your mind. For more information on your marketing preferences please visit Your
marketing preferences.
3.3 Lloyds TSB companies will treat your personal information as confidential but
may share it with each other and disclose it outside the Lloyds TSBcompanies if:
• you consent;
• it is needed by our agents, advisors or others involved in running accounts
and services for you or collecting what you owe Lloyds TSBcompanies;
• HM Revenue & Customs or other authorities require it;
• the law or public interest permits or requires it;
• required by us or others to investigate or prevent crime;
• we need to provide it to a third party in anticipation of or following a
sale, merger of the whole or any part of the Lloyds TSB companies or in the course
of a joint venture.
3.4 All countries in the European Economic Area (including the UK) have similar
standards of legal protection for your personal information. Lloyds TSB companies
may run your accounts and provide other services from centres outside the European
Economic Area (such as the USA and India) that do not have the same standard of
data protection laws as the UK. However, if we do, we will always have a contract
in place to ensure that your personal information is protected at least to UK standards,
and we will remain bound by our obligations under the Data Protection Act 1998.
3.6 We may monitor, record, store and use any telephone, email or other communications
we have with you for training purposes, so that we can check any instructions given
to us, for crime prevention and to improve the quality of our customer service.
3.7 By using the Website you consent to us using your personal information for the
purposes described above.
4. Use of cookies
4.1 Cookies are small amounts of information that are stored on your computer to
enable our server to collect certain information from your web browser. Cookies
in themselves do not identify the individual, just the computer used. Cookies and
other similar technology make it easier for you to log on to and use the Website
during future visits.
4.2 Cookies are used in this Website by us and by third parties to:
• monitor and manage Website traffic;
• evaluate the effectiveness of our advertising and promotions (for example,
we use a third party ad server - Double Click to manage advertising and to serve
adverts on the Website through the use of cookies and pixel tags);
• to identify you when you visit the Website, to personalise the content of
the Website for you and to enable you to both carry out transactions and have access
to information about your account;
• temporarily to store details input into calculators and other tools on the
Website; and
• If required as a matter of law or regulation, in order to protect our or
our other customers' rights.
4.3 Cookies themselves only record which areas of the Website have been visited
by the computer in question, and for how long. Allowing us or a third party to create
a cookie does not give us access to your computer and we will not use cookies to
track your online activity once you leave the Website. Cookies are read only by
the server that placed them, and are unable to execute any code or virus.
4.4 With most internet browsers, you can erase cookies from your computer hard drive,
block all cookies or receive a warning before a cookie is stored. If you want to
know how to do this please look at the help menu on your web browser. However, please
note that switching off or "opting out" of cookies will mean that you
may not be able to use certain features of the Website. Find out more about the
use of cookies and how to switch of cookies on http://www.cookiecentral.com or http://www.aboutcookies.org/controlcookies.asp.
To find out more about Double Click's privacy policy please visit ttp://www.doubleclick.net/us/corporate/privacy.
5. Protecting your privacy
5.1 The Internet is a global environment and using the Internet to collect and process
personal information necessarily involves the transmission of data on an international
basis. By browsing this Website you acknowledge and agree to our processing of personal
information in this way. We accept no responsibility or liability for the security
of personal information transmitted via the Internet.
5.2 Our Website may contain links and banner advertisements to other websites which
are outside our control and not covered by this Privacy Policy ("third party
websites"). If you access any third party websites using the links provided,
the operators of these third party websites may collect information from you which
will be used by them in accordance with their privacy policies, which may differ
from ours. We do not accept any responsibility for any such third party websites,
including without limitation for their accuracy, security, the products or services
which they offer or for any information which is collected through them. You are
responsible for reviewing and abiding by the privacy policies and website terms
and conditions of any such third party websites.
6. Accessing and updating your information
6.1 Under the Data Protection Act 1998 you may be entitled to see certain
personal information we hold about you and may ask us to make changes to ensure
that it is accurate and up-to-date. If you wish to access information which we hold
about you or if you would like to contact us about a related data protection matter
please write to us at DSAR Unit, Lloyds TSB, Customer Service Recovery, Charlton
Place, C57, Andover, SP10 1RE. We are entitled to charge a small administrative
fee to meet our costs in providing you with the information which we hold about
you (currently £ 10).
6.2 You are responsible for informing us that your personal details have changed:
for example, a change of address or to your title. You can do this by visiting a
branch or completing and returning a change of name/address form. These can be obtained
in branch or downloaded through Internet Banking.
7. Data protection
From 19 January 2009, the Lloyds TSB group and HBOS group are both part of the Lloyds
Banking Group. The Lloyds Banking Group includes us and a number of other companies
using brands including Lloyds TSB, Halifax and Bank of Scotland, and their associated
companies.
More information on the Lloyds Banking Group can be found at
www.lloydsbankinggroup.com
For these purposes “associated companies” includes Lloyds Banking Group
plc and any subsidiary, affiliate or other firm directly or indirectly controlled
from time to time by either Lloyds Banking Group plc or us. Your personal information
may be shared across the Lloyds Banking Group for the purposes of providing you
with services, administering your accounts, updating records, responding to your
inquiries and complaints, internal analysis and training, assessing lending and
insurance risks, for crime detection, prevention and prosecution, or where there
is any other legal or regulatory obligation to do so.
© Lloyds TSB 2010