We will treat all your personal information as private and confidential (even when you are no longer a customer). Nothing about Your accounts nor your name and address will be disclosed to anyone, including other companies in our group, other than in four exceptional cases permitted by law. These are:
Credit risk management services
Information about your personal debts owed to us may be disclosed to credit risk management services where:
We will inform you of your rights to access your personal information held by us.
Protecting Your accounts
When you first apply to open an account or obtain a loan, we will inform you what identification we need to prove identity. This is important for your security and may be required by law. We will also inform you what checks we may make with credit risk management services.
Taking care of your cheque book, savings account book, cards, electronic purse, PINs, passwords and selected personal information is essential to help prevent fraud and protect Your accounts. Please ensure that you:
It is essential that you tell us as soon as you can if you suspect or discover that:
Loss - what to do:
When you report a lost or stolen cheque book, savings account book, card or electronic purse, please ensure that we give you a code or other reference to confirm that you have reported it.
After you inform us that a chequebook, savings account book, card or electronic purse has been lost or stolen or that someone else knows your PIN, password or other unique means of personal identification, we will take immediate steps to prevent these from being used to access your account.
Responsibility for losses:
We will refund you the amount of any transaction together with any interest and charges:
You should treat your electronic purse like cash in a wallet. You may lose any money left in the electronic purse at the time it is lost or stolen, in just the same way as if you lost your wallet.
We accept that if it is clear that members of the public are vulnerable to crime if they transact at certain ATMs, we will take reasonable precautions to minimise crime at those ATMs.
You also have a responsibility to take reasonable precautions when using an ATM to minimise the possibility of criminal activities. You are requested to adhere to any notices of caution at ATMs in order to protect yourself against criminal activities at ATMs. In particular do not let anybody come near you or distract you while you are transacting at the ATM.
Where a credit card transaction is disputed, we have the burden of proving fraud or negligence or that you have received your card. In such cases we would expect you to co-operate with us and with the police in any investigation.
Fraud and gross negligence:
If you act fraudulently you will be liable for all losses. If you act with negligence which has caused losses you may be liable for them.