The primary use of your information is to provide the service you have requested and to administer your accounts.

Some aspects of the administration of your account may be conducted from centres in countries outside Europe, such as India and the USA. These countries do not always have the same standard of data protection laws as the UK. However, we will have a contract in place to ensure that your information is adequately protected, and we will remain bound by our obligations under the Data Protection Act even when your personal information is processed outside Europe. This also applies to any home insurance or payment protection insurance policy we have arranged for you. In this case, we ensure that the insurance provider has in place identical obligations to safeguard your data.

We may disclose details of your mortgage, including how you have run your account(s) to credit reference agencies. In the event that we make formal demand for repayment of your borrowing and you do not make full repayment or satisfactory proposals to us within 28 days, we may disclose this to the agencies, who will record the outstanding debt. This information could affect credit decisions other organisations make.

The credit reference agencies may form a link in the records they hold about you, between any previous or subsequent names that you use.

From time to time C&G would like to contact you about products and services available from the Lloyds TSB group, and from selected companies outside the group which it believes may interest you, unless you have told C&G that you do not want to receive this information. Other companies, including those in the group, will not make marketing approaches to you without your consent.

If you contact us by telephone, your call may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

We may disclose information about the property [but not your name, or details of how you have run your account(s)], so that it may be held on a residential property valuation database. This database may be used to value properties on behalf of the Bank and other businesses. The operator of the database will not use the information to contact you for marketing purposes. You may contact us if you wish to know the name of the company that operates this database.