Apply for a Personal Loan

Clydesdale Bank is a trading name of Clydesdale Bank PLC, which is a member of the National Australia Bank Group (the "Group"). The Group (which is referred to as "we", "us" or "our") 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.

Clydesdale Bank PLC 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 and financial information.

Your information

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 us 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.

We will use this information for:-

• assessment of your application (see "Assessing your application" below);
• market and product analysis;
• the review, development and improvement of our services;
• giving you and other customers relevant information through our marketing programme (unless you tell us you do not want to receive this information - see section on "Marketing" below);
• contacting you by post, phone, or in any other way we feel is appropriate, in connection with the services we provide to you, or with your management of your accounts.

In addition, we may hold details about your relationship with us after it has ended. We need to do this to comply with financial legislation, and auditing requirements. It also helps us answer any future queries that may arise. We will not hold this information for longer than we have to.

Assessing your application

Fraud prevention agencies

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.

Credit reference 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, or to assess 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. 

Financial links and associations

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 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.

Sharing of information

Subject to applicable data protection legislation, we may give information about you, your application and how you manage your accounts to:-

• our employees and agents to deal with any accounts, products and services we provide to you, on the understanding that they will keep your information confidential;
• credit reference or fraud prevention agencies or other organisations, who may use or give out information as described in
• Assessing your application" above;
• anyone to whom we transfer or may transfer our rights and duties under our agreement with you; and
• anyone we are permitted or obliged by law to inform.

We are a Global Group. We may need to transfer your information abroad to other group companies, service providers, agents and subcontractors in countries where they may not have data protection laws providing the same level of protection as those in the European Economic Area, such as Australia, New Zealand and the USA.

In each of the above circumstances, we will ensure that your information is processed only in accordance with our instructions and under strict obligations of confidentiality.

Keeping your personal information up to date

We have a duty to ensure that your personal information is accurate and up to date. Please help us to do this by immediately informing us of any changes. Please also let us know if information appears which is not correct.

Marketing

We will ask for your consent to contact you by post, phone, fax, e-mail, picture message or other reasonable means to inform you about products and services supplied by ourselves 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.

Your rights
You are entitled to a copy of the personal information we hold about you on payment of a fee. For further information on your rights under the Data Protection Act, you can contact The Information Commissioner’s Office, Wycliffe House, Water Lane,  Wilmslow,  Cheshire SK9 5AF or visit www.ico.gov.uk.

Personal Loan Disclaimer

The use of the Internet and transmitting information to or from Clydesdale Bank's site may not be secure from access by third parties and therefore such information may not remain confidential or private.

Clydesdale Bank shall not be responsible for any direct or indirect loss or damage suffered by you or any other person as a result of the loss of confidentiality or privacy of such information.

Declaration

I confirm I have read and consent to the uses and disclosures of my personal information as detailed in the use of information section above. I also agree to be bound by the above Personal Loan Disclaimer and the Rules of Use set out in this site.

Where I have provided information about another individual or individuals, I confirm that each individual has authorised me to disclose their information. I further confirm that they agree to the searching and/or recording information about them with Credit Reference Agencies and they understand that an 'association' will be created by the agencies linking our financial records together.