We may keep your personal details given to us by you or other people during your relationship with us and other companies in the Lloyds TSB Group in a centrally held database within the Lloyds TSB Group. This includes details you give on application forms, our analysis of your account transactions, and what we know from operating your accounts. Companies in the Lloyds TSB group may use and update this centrally held information to provide you with services, to identify products and services which might be suitable for you, to assess lending and insurance risks, to recover debts, to prevent and detect fraud, and to update their own records about you. Your information may also be used for research and statistical analysis with the aim of improving our services.

We may administer your account and provide other services from centres in countries outside Europe (such as India and the United States of America) whose laws do not always provide the same standard of data protection as the laws in force in the United Kingdom. However, we will have a contract in place to ensure that the personal information we hold about you is adequately protected, and we will remain bound by our obligations under the Data Protection Act even when the personal information is processed outside Europe.

We may confirm that you are who you claim to be by making searches at credit reference agencies. This will include searching information held on the electoral register. (Our searches may be recorded by the credit reference agencies but they will not be used by other organisations when assessing lending or insurance risks, although they may be used for debtor tracing and to prevent money laundering.)

If you give us false or inaccurate information or fraud is identified, we may pass the details 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;
• 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.

If you ask, we will tell you which credit reference and fraud prevention agencies we have used so you can get a copy of your record from them.

We may monitor or record telephone calls with you (including calls you make to the telephone transaction service and our Customer Service Helpline) in case we need to check that we carried out your instructions correctly and to help improve the quality of our service.

Lloyds TSB Group companies you have chosen for products or services may contact you about further products or services unless you have informed us that you do not wish to receive marketing approaches.