Sharing data outside of NatWest | Our privacy policy | NatWest

NatWest Accessibility Hearing

Sharing data
outside of NatWest

Download full privacy policy document (PDF)

We will only use and share your information with third parties in the following circumstances:

Where we have your permission or it is required by law

  • where we have your permission

  • where we are required by law and by law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world

With other banks and other parties providing services to us

  • where required for your product or service

  • with other banks and third parties where required by law to help recover funds that have entered your account as a result of a misdirected payment by such a third party

  • with other banks to help trace funds where you are a victim of suspected financial crime and you have agreed for us to do so, or where we suspect funds have entered your account as a result of a financial crime

  • with third parties providing services to us, such as market analysis and benchmarking, correspondent banking, and agents and sub-contractors acting on our behalf, such as the companies which print our account statements

With agencies and other third-parties providing you with services

  • with debt collection agencies

  • with credit reference and fraud prevention agencies

  • with third party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or service


Other exceptions

  • where required for a proposed sale, reorganisation, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our business

  • in anonymised form as part of statistics or other aggregated data shared with third parties; or

  • where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above

This guide contains
the following sections:

Overview
Information we hold
What we do with the data
Sharing data outside NatWest
Your rights

Add your signposting title here… If you ask us to share your information...

If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account. We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you.

RBS will not share your information with third parties for their own marketing purposes without your permission.

 

Add your signposting title here… Sharing data with other authorised users and family

In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorised user with all other authorised users.

In the event that you link your assets and liabilities with your immediate family under a Fee Family, the sum of the combined assets and liabilities held within the Fee Family may be shared with other members of the Fee Family. In some instances this may allow other members of the Fee Family to calculate the combined assets and liabilities you hold with us.

Add your signposting title here… Transferring information overseas

We may transfer your information to organisations in other countries (including to other RBS group companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws.

In the event that we transfer information to countries outside of the European Economic Area (which includes countries in the European Union as well as Iceland, Liechtenstein and Norway), we will only do so where:

  • the European Commission has decided that the country or the organisation we are sharing your information with  will protect your information adequately;

  • the transfer has been authorised by the relevant data protection authority; and/or

  • we have entered into a contract with the organisation with which we are sharing your information (on terms approved by the European Commission) to ensure your information is adequately protected.

If you wish to obtain a copy of the relevant data protection clauses, please contact us at 03457 888 444 Overseas number +44 3457 888 444 Minicom 0800 404 6161.

Credit reference and fraud prevention agencies

We may access and use information from credit reference and fraud prevention agencies when you open your account and periodically to:

  • manage and take decisions about your accounts, including assessing your creditworthiness and checks to avoid customers becoming over-indebted;
  • prevent criminal activity, fraud and money laundering;
  • check your identity and verify the accuracy of the information you provide to us; and
  • trace debtors and recover debts.

Automated decision making
Application decisions may be taken based solely on automated checks of information from credit reference and fraud prevention agencies and internal RBS records.

To help us make decisions on when to give you credit, we use a system called credit scoring to assess your application. To work out your credit score, we look at information you give us when you apply; information from credit reference agencies that will show us whether you’ve kept up to date with payments on any credit accounts (that could be any mortgages, loans, credit cards or overdrafts), or if you’ve had any court action such as judgments or bankruptcy; your history with us such as maximum level of borrowing; and affordability, by looking at your available net income and existing debts.

You have rights in relation to automated decision making, including a right to appeal if your application is refused.

Continuous information sharing 
We will continue to share information with credit reference agencies about how you manage your account including your account balance, payments into your account, the regularity of payments being made, credit limits and any arrears or default in making payments, while you have a relationship with us.  This information will be made available to other organisations (including fraud prevention agencies and other financial institutions) so that they can take decisions about you, your associates and members of your household. 

More on fraud prevention agencies
If false or inaccurate information is provided and/or fraud is identified or suspected, details will be passed to fraud prevention agencies.  Law enforcement agencies and other organisations may access and use this information.

If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested, or we may stop providing existing services to you.

A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. Fraud prevention agencies can hold your information for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.

Legitimate interest in preventing fraud and money laundering
When credit reference and fraud prevention agencies process your information, they do so on the basis that they have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect their business and to comply with laws that apply to them.

Credit reference agencies - contact details

If you would like a copy of your information held by the credit reference and fraud prevention agencies we use, or if you want further details of how your information will be used by credit reference agencies please visit their websites or contact them using the details below. The agencies may charge a fee. 

 

Callcredit Limited

Post: Callcredit Information Group, 
One Park Lane, Leeds, West Yorkshire LS3 1EP

Web: www.callcredit.co.uk/crain

Email: 
consumer@callcreditgroup.com
Phone: 0330 024 7574

 

Equifax Limited

Post: Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

Web: www.equifax.co.uk/crain

Email: 
www.equifax.co.uk/ask

Phone: 
0333 321 4043 or 0800 014 2955

 

Experian Limited

Post: Experian, PO BOX 9000,
Nottingham, NG80 7WF

Web: www.experian.co.uk/crain

Email: 
consumer.helpservice@uk.experian.com
Phone:
0344 481 0800 or 0800 013 8888

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