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Privacy and Cookies Notice

We use a variety of different technologies within our app and on our website. These technologies include (but are not limited to) cookies, scripts, software development kits (SDKs), fonts and images. For the purpose of this notice, we’ll refer to such technologies collectively as “cookies”.

Some cookies are considered necessary for the app to function or for us to deliver a service to you. Others are used to enhance our understanding of how you use our app, or to assist in our marketing activities.

The purpose of this notice it to explain how we use such technologies within our app, as well as on our websites that you can access through our app. It also explains how you can control your online preferences. We may revise this notice from time to time. If we make any material changes to the way we use these technologies, we will prominently publish the changes on our website or within our app.

Your online privacy

We promise to treat any personal information about you securely, fairly and lawfully. We are committed to protecting your privacy. When we ask you to provide personal information online it will only be in response to you actively applying for or using one of our online products or services.

You can find details of how we use customer information here.

Cookies - what are they?

A “cookie” is a small text file that’s stored on your computer, smartphone, tablet, or other device when you visit a website or use an app. They contain specific information relating to your use of our web site or app, such as login credentials; your preference settings or tracking identifiers. A “SDK” is a set of software tools and programs used by developers to create applications with specific functionalities, such as advertisements or push notifications, or to add additional features to an app, for example to provide analytics and data about app activity.

Cookies are set by our web server, your browser and the web servers of the third parties whose cookies we deploy on our websites and apps. They can be read, updated or deleted by those same servers each time you visit our web site, depending on the type of cookie.

Some cookies are deleted when you close your app or browser. These are known as session cookies. Other cookies (such as tracking cookies or authentication cookies) remain on your device until they expire, or you delete them from your device or browser. These are known as persistent cookies and enable us to remember things about you as a returning visitor.

Some cookies can impact your fundamental rights to privacy and the protection of your data. As such, we require your consent before they can be accessed or stored on your device. For this reason, we limit our use of cookies as explained below.

Cookies - how we use them

We use cookies and other similar technologies to:

Provide products and services that you request and to provide a secure online environment
Deliver marketing and to manage our marketing relationships with our third-party marketing partners
Give you a better online experience and track website and app performance
Help us make our website more relevant to you.

Here we explain a bit more about each of these types and how you can control their use.

Strictly Necessary Cookies

These are cookies that are essential for the safe operation of our app and our websites and for us to provide a product or service you have requested. Without these cookies we are unable to provide some products or services that you might request.

These cookies are used to:

enable you to securely log into app and the secure areas of our websites
track errors in our app and on our websites and enable us to report incidents to our regulators
deliver interactive services, such as:

- online banking
- product applications
- webchat
- call-backs
keep our app secure and protect against online fraud
record your preference regarding our use of cookies on your device

Some cookies are necessary to deliver specific services and will only operate when you specifically request or activate the service through the app. These include services such as:

spending analysis, or
receipt management

This category of cookies cannot be disabled.

Strictly Necessary Cookies

These are first-party cookies that we use to generate reports based on data from visits to our app and our websites, without knowing who the visitor is. These cookies help us to gain insight of the pages that have been visited to help inform the optimisation of layouts and visitor journeys.

These also include cookies that help us improve the visitor journey through presenting applicable content around products and services based on a visitor’s navigation around the site without knowing the personal identity of the user. Using cookies to track the most visited areas of our app and websites and to identify when users encounter errors, will help us ensure that our app and website layouts are optimised to remove confusing or ineffective content.

You can switch these cookies off at any time by visiting your Privacy Preferences.

Performance Cookies

These cookies are set by us or our third-party analytics providers and allow us to record certain information about you, such as the pages you visit within our app and on our websites; how many times you visit; and links you might click on.

We use this type of cookie to understand and analyse how visitors use our online services and look for ways to improve them. For example, a cookie might tell us that lots of people give up on an application process at a particular step – so we can try to make that step easier to complete.

We and our third-party analytics providers may also collect other information about you such as a unique customer identifier, your IP address, your geographical location, what type of device you are using and information about the device. This information can be used to create a unique fingerprint to help further identify you on other webpages you might visit and can be used to create a profile of your online activities and interests.

You can see more information about which third-party analytics providers we use and switch these cookies off by visiting your Privacy Preferences.

Functionality Cookies

These cookies remember your preferences and tailor the app and our websites to provide enhanced features. Without these cookies, we cannot remember your choices or personalise your online experience.

We use this type of cookie to:

Make online banking login faster by remembering you between visits on your personal devices
Simplify online transactions by remembering the last account you used and showing it as the default for your next transaction
Display your mini-statements as you like them by remembering which panels you’ve expanded and collapsed
Remembering relevant information as you browse from page to page to save you re-entering the same information repeatedly
Provide enhanced features, such as playing videos or allowing you to post a comment.

You can switch these cookies off at any time by visiting your Privacy Preferences.

Targeting Cookies

These cookies are set by us (or our third-party marketing partners) and are used to deliver onsite or offsite adverts relevant to you and your interests and to help measure the effectiveness of advertising campaigns. These cookies are called retargeting cookies and can track your browsing history and online activities across websites to create a profile of your online activities and interests.

This information is shared with our third party marketing partners and will enable us to serve you with advertising when you visit other sites (for example, to remind you of products or services you may have shown an interest in or to provide you with special offers). This could include information about your browsing activity, your device’s IP address, cookie string data (which is used to identify the device type, operating system and browser), data about the online ads we have served to you and your interaction with those ads. We also work with third parties who may place cookies on your web browser to enable us and other advertisers to serve you with advertising based on your browsing and online search activity.

You can see more information about which third-party companies we partner with and switch these cookies off by visiting your Privacy Preferences.

How to control and delete cookies

Privacy Preferences - If you want to restrict or block the cookies, you can do this at any time through your Privacy Preferences in your user profile settings. The tool will record when you have consented to our use of cookies and will ask for consent again periodically to ensure users stay up to date with changes to our cookie and privacy policies. Essential cookies cannot be disabled. The tool specifically controls the cookies set by using our app or our websites and it cannot be used to block cookies on third-party websites linked from our app or websites.

Browser Settings – Many of the cookies used on our website and through our emails can be enabled or disabled through your browser settings. The ‘help’ function within your browser should tell you how, or you can find out by visiting: http://www.allaboutcookies.org/manage-cookies/clear-cookies-installed.html, or search the internet for other independent information on how to delete cookies. You can set your browser to delete all past cookies and to disallow third-party cookies.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit http://www.youronlinechoices.com/uk/your-ad-choices. Alternatively, you can search the internet for other independent information on cookies.

If you delete cookies relating to this website, we will not remember things about you, and you will be treated as a first-time visitor the next time you visit the site.