Clydesdale Bank International is a trading name of Clydesdale Bank PLC . which is registered in Scotland No: SC001111 and which has its registered office at 30 St Vincent Place, Glasgow, G1 2HL.

The Guernsey branch of Clydesdale Bank PLC is licensed as a deposit taker by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994 as amended.  Principal place of business in Guernsey: Regency Court, Glategny Esplanade, St Peter Port, Guernsey, GY1 3ZU.

Clydesdale Bank PLC is a member of the National Australia Bank Group (the "Group") and is authorised and regulated by the Financial Services Authority. Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority.

The Group includes National Australia Group Europe Limited , each subsidiary or holding company thereof from time to time and each subsidiary from time to time of any such holding company. A complete list is available on request.

In this Privacy Policy, a reference to "we", "us" or "our" is a reference to the Group or a member of the Group, as appropriate.

We have developed this policy so that you may feel confident about the privacy and security of your personal information.

Clydesdale Bank International will share information about you with other members of the Group. The following sections explain in more detail how and for what purposes the Group will use your personal information.
You do not need to register to access most of our websites, which is the case with this website, and where you do not register, personal information about you will not be collected by us unless you give us this voluntarily in order to process a specific request. We will use that data only to fulfil that request.
If you register for our internet banking services, any details you provide will be stored for use on future visits, as we do not want you to give us any information more than once. The details you give us may be combined with information about your use of the Clydesdale Bank International website and information from other of our records in order to provide you with the online products and services you request. If you register for our internet banking services, we will treat you as having consented to our using your personal data in the manner described in this Policy.
We currently may hold personal and financial information about you and may obtain or receive such information about you in the future. The information we process about you will be obtained from various sources including:

• Directly from you;
• From your dealings with any member of the Group including from the transactions and operation of your accounts and services;
• From other organisations including credit reference and fraud prevention agencies; and
• From persons who know you including joint account holders and persons with whom you are financially linked in the context of a particular product.

For our internal operational reasons we may link information concerning your accounts with us to information concerning other products and services we provide to you. We may also link your information to that of other individuals with whom you are financially associated. Such information may also include sensitive personal data, such as information relating to your health, or criminal convictions or proceedings. However we only hold such data where we need to for the purposes of the product or services we provide to you or it is in our normal course of business to do so; for example, insurance products.

We will use your information:

• To operate and administer the products and services we provide to you;
• To assess the suitability of our products and services for you;
• To analyse the operation of your accounts and services and your purchasing preferences;
• To make credit decisions about you which may involve credit scoring;
• To develop, improve and market our products and services generally;
• For the prevention of fraud and money laundering;
• For market and product analysis purposes; and
• For debt recovery purposes.

We may also use your information for system testing purposes.

Where a third party has introduced your custom to the Group we may pass back to the introducer necessary information to enable administration of any payment or settlement.
 
We use a process known as Credit Scoring and may use other automated decision making processes to assist in the assessment of applications and to make other decisions during your relationship with us. We will tell you the reason for any decision that we make, if you request us to do so. You have the right to ask us to review such decisions manually.

We will treat all your information as confidential and will not give your information to anyone except where:     

• We are permitted to do so by law; 
• We have a public duty to disclose the information;
• We need to do so to comply with the requirements, codes or recommendations of any of our regulators;  
• We have your consent (which is not necessarily required to be in writing);   
• It is necessary for the performance of any product or service that we provide to you; or
• We have transferred any of our rights or obligations to another party.                       

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

• 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; or
• Checking details of job applicants and employees.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

In order to assess any applications that you may make for credit products or any request for an increase to any existing credit product that we may already provide to you, your suitability for, or to provide you with, credit products and services, we will search the records of one or more licensed credit reference agencies to obtain information on you.

These agencies may add details of our search and your application to the records they hold on you, whether or not your application proceeds. We may also add details of how your agreements or accounts operate with us to these records including any default or failure to keep to the terms of your agreement and any failure to advise us of a change of address where a payment is overdue.

Credit searches and other information provided to the credit reference agencies and fraud prevention agencies about you, and those with whom you are linked financially, may be used and disclosed by such agencies to other companies unrelated to us for the purposes mentioned above. Credit reference agencies will also use the information for statistical analysis about credit, insurance and fraud.

For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records. An "association" between joint applicants and/or any individual identified as your financial partner will be created at credit reference agencies, which will link your financial records. You and anyone else with whom you have a financial link understand that each other's information will be taken into account in all future applications by either or both of you. This linking will continue until one of you successfully files a 'disassociation' at the credit reference agencies. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners.

If you would like details of the agencies from which we obtain and record information about you, please write to: Central Refer Unit, 20 Merrion Way, Leeds, LS2 8NZ.

We may contact you by post, phone, fax, e-mail, SMS text or other reasonable means to inform you about products and services supplied by ourselves and/or selected third parties that we consider may be of interest to you. We will not pass your information to anyone outside our Group for their own marketing purposes. You can inform us at any time if you do not want to receive marketing information by any one or all of these means.

From time to time we will engage service providers, agents and subcontractors to provide services. They will have access to, and will process, your information on our behalf to provide such services.

In accordance with the Data Protection (Bailiwick of Guernsey) Law, you are entitled to receive from us a copy of information about you held by Clydesdale Bank PLC constituting personal data within 40 days of your written request and on payment of a fee.

If it transpires that the information held is inaccurate, we will make the necessary amendments and confirm to you that these have been made.

Please contact Clydesdale Bank International, PO Box 446, Glategny Esplanade, St Peter Port, Guernsey GY1 3ZU.  Telephone: +44 (0) 1481 711102 for further details.  Clydesdale Bank PLC will make checks to verify your identity before releasing any personal data to you.