Your personal information
1.1 By ‘your information’ we mean personal and financial information about you, that we need to collect, use, share and store. This includes information we may:
(a) obtain at any time from you or from third parties such as the Corporate Account Holder and/or your employer, fraud prevention agencies or other organisations, through any type of communication with you (verbal or written including letters, calls, emails), through our websites, registrations, researches, promotions and competitions or through accounts or products you have or
previously had with us;
(b) learn from the way you use and manage your account(s), from the transactions you make such as the date, amount, currency and the name and type of supplier (e.g. travel services, supermarket services, medical services, retail services) you use and from the payments which are made to your account.
How we use your personal information
1.2 We and other companies in the Barclays Group and/or other organisations as described below may collect, use, share and store your information:
(a) to check your eligibility when you apply for any financial product we
offer, check your details and verify your identity;
(b) to administer and manage your application and account(s), give you statements and provide you with products and services, inform you about changes to the features of those products or services or their operation;
(c) for assessment, testing (including systems tests) and analysis, including credit and/or behaviour scoring, statistical, market and product analysis in order to generate statistical reports to be shared
internally or externally with non Barclays’ companies for their own purposes. These reports are aggregated and will not contain any information that identifies you;
(d) to prevent, detect and prosecute money laundering, fraud and other crimes;
(e) to improve the accuracy of our records;
(f) to develop and improve our services to you and other customers;
(g) to respond to your inquiries or complaints;
(h) to carry out regulatory checks or other work to meet our obligations to any regulatory authority;
(i) to protect our interests, including locate you and recover any debts you owe, cross-check details on proposals or claims for all types of insurance, to process and collect charges;
(j) to manage and provide any rewards and offers and administer any promotions and competitions; and
(k) in any other ways described below.
1.3 We will keep information about you and how you manage your account(s) private and confidential, but may share it as follows:
(a) with other companies within the Barclays Group;
(b) with people who provide a service to you (when you use your card to make payments), with people who provide a service to us, or who are acting as our agents, on the understanding that they will keep the information confidential;
(c) with any company that we are providing products or services in conjunction with;
(d) with the Corporate Account Holder or subsidiaries, parent and affiliated companies including their agents and processes, or companies contracted to perform services for them or on their behalf;
(e) with anyone whose name or logo appears on the card issued to you;
(f) with anyone to whom we transfer or may transfer our rights and duties under this agreement;
(g) with any third party as a result of any restructure, sale, merger 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;
(h) if you have consented;
(i) if we have a duty to do so or if the law, public interest, or this agreement allows us to do so.
1.4 We may use automated processes when we use your information for any of the purposes listed in this Privacy Statement and/or elsewhere in the Terms and Conditions.
1.5 We will retain information about you after the closure of your account for as long as permitted for legal, regulatory, fraud prevention and legitimate business purposes.
1.6 We and other companies in the Barclays Group may, from time to time, provide further details about how your personal information may be used. This information will be made available on www.barclaycard.co.uk
International Transfers
1.7 If we transfer your information to a person, office, branch, organisation, service provider or agent in another country, we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purposes that we have permitted.
Further information
1.8 You can ask us for a copy of the information we keep about you. A fee will be charged for this service.
1.9 If you believe that any information we hold about you is incorrect or incomplete, you should write to us immediately. If we find that any information is incorrect or incomplete we will correct it promptly.
1.10 You agree that calls between us may be recorded and/or monitored in the interest of security, for quality control and to ensure better customer servicing, staff training and account operation.