We may process your information in the day to day running of our business, to manage our business and financial affairs and to protect our customers, employees and property. It is in our interests to ensure that our processes and systems operate effectively and that we can continue operating as a business. This may include processing your information to:
a) We may process your information where it is in our legitimate interests do so as an organisation and without prejudicing your interests or fundamental rights and freedoms.
Monitor, maintain and improve internal business processes
information and data, technology and communications solutions and services
Ensure business continuity and disaster recovery
and responding to information technology and business incidents and emergencies
Ensure network and information security
including monitoring authorised users’ access to our information technology for the purpose of preventing cyber-attacks, unauthorised use of our telecommunications systems and websites, prevention or detection of crime and protection of your personal data
Provide assurance on the bank's material risks
and reporting to internal management and supervisory authorities on whether the bank is managing them effectively
Perform general, financial and regulatory accounting and reporting
Protect our legal rights and interests
Manage and monitor our properties and branches
(for example through CCTV) for the purpose of crime prevention and prosecution of offenders, for identifying accidents and incidents and emergency situations and for internal training; and
Enable a sale, reorganisation, transfer
or other transaction relating to our business
b) It is in our interest as a business to ensure that we provide you with the most appropriate products and services and that we continually develop and improve as an organisation.
This may require processing your information to enable us to:
Identify new business opportunities and to develop enquiries
and leads into applications or proposals for new business and to develop our relationship with you
Send you relevant marketing information
(including details of other products or services provided by us or other RBS group companies which we believe may be of interest to you). We may show or send you marketing material online (on our own and other websites including social media platforms), in our app, or by email, sms or post.
Understand our customers’ actions, behaviour, preferences, expectations, feedback and financial history
in order to improve our products and services, develop new products and services, and to improve the relevance of offers of products and services by RBS group companies
Monitor the performance and effectiveness of products and services
Assess the quality of our customer services and to provide staff training.
Calls to our service centres and communications to our mobile and online helplines may be recorded and monitored for these purposes
Perform analysis on customer complaints
for the purposes of preventing errors and process failures and rectifying negative impacts on customers
Compensate customers for loss, inconvenience or distress
as a result of services, process or regulatory failures
Identify our customers’ use of third-party products and services
in order to facilitate the uses of customer information detailed above; and
Combine your information with third-party data
such as economic data in order to understand customers’ needs better and improve our services
We may perform data analysis, data matching and profiling
to support decision making with regards to the activities mentioned above. It may also involve sharing information with third parties who provide a service to us
c) It is in our interest as a business to manage our risk and to determine what products and services we can offer and the terms of those products and services.
It is also in our interest to protect our business by preventing financial crime. This may include processing your information to:
Carry out financial, credit and insurance risk assessments
Manage and take decisions about your accounts
Carry out checks (in addition to statutory requirements)
on customers and potential customers, business partners and associated persons including performing adverse media checks, screening against external databases and sanctions lists and establishing connections to politically exposed persons
Share data with credit reference, fraud prevention agencies and law enforcement agencies
Trace debtors and recovering outstanding debt
For risk reporting and risk management
Application decisions may be taken based on solely automated checks of information from credit reference agencies and internal RBS records. For more information on how we access and use information from credit reference and fraud prevention agencies see the Sharing data outside of NatWest page.