Privacy policy

Privacy Policy
Please read our Privacy Policy carefully before using this website (“the Site”). In this Policy “we”, “us” and “our” means The Access Bank UK Limited (“the Bank”) and “you” means the individual who is using the Site. By using our Site, you agree to the collection, the use and the disclosure of your personal data in accordance with this Privacy Policy.
We may change the content or services found on the Site at any time without notice, and consequently our Privacy Policy may change at any time in the future. Your continued access to or use of the Site will mean that you agree to the changes.
Our Privacy Policy, together with the Current Account Terms and Conditions sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. For the purposes of the Data Protection Act 1998 (the “Act”), the data controller is The Access Bank UK Limited.

Secure online services
Any secure online services you subscribe to with us may use cookies to enable information about you and your preferences to be stored and to prevent unauthorised access to your services and information. Cookies must usually be accepted in such circumstances – without them we cannot ensure your information is secure (and people rejecting cookies will not be able to use the services).

How will we use the information we collect about you?
We will store and process your information on the Bank’s computers wherever located and in any other medium. By “your information” we mean personal and financial information that we:
(a) obtain from you or from third parties and other organisations when you apply for an account or any other product or service which you or they give to us at any other time; or
(b) learn from the way you use and manage your account(s), from the transactions made, if any, such as the date, amount, currency and the name and type of supplier (e.g. supermarket services, medical services, retail services).
We will use your information to manage your account(s), give you statements and provide our services, for assessment and analysis (including credit and/or behaviour scoring, market and product analysis), to identify and tackle fraud, money laundering and other crime, carry out regulatory checks and meet our obligations to any relevant regulatory authority, and to develop and improve our services to you and other customers and to protect our interests.
We may use your information to inform you by letter, telephone, text (or similar) messages, digital television, email and other electronic methods about products and services (including those of others) which may be of interest to you. Where you have neither given your consent to such marketing nor requested to opt out of such marketing, this will be limited to information about products and services similar to those which were the subject of a previous service provided to you.
If you don’t want us to tell you about other products and services please write to us and supply us with your full name and address and details of any products or services you have with us. Please write to us at The Access Bank UK Limited, 4 Royal Court, Gadbrook Way, Gadbrook Park, Northwich, Cheshire CW9 7UT.

Will we share your information with anyone else?
We may share your information including how you manage your account or Site visit with  relevant third parties and as permitted by law including but not limited to the following:

  • People and organisations who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential.
  • Anyone to whom we transfer or may transfer all or any part of our business or assets, from whom we acquire any business or assets or who acquires substantially all of the assets of The Access Bank UK Limited.
  • Credit reference and fraud prevention agencies.
  • We may also give out information about you if we have a duty to do in order to comply with any legal obligation, or in order to enforce or apply our terms of use or if the law allows us to do so.

If we disclose your information to a service provider (a person, office or organisation) located in another country (including locations outside of the European Economic Area), we will take steps reasonably necessary to ensure that they apply the same levels of protection as we are required to apply to your information and to use your information only for the purpose of providing the service to us. By submitting your personal information you agree to this transfer.

How long will we keep your personal information on file?
We will retain information about you after the closure of your account or service provision for as long as it is permitted for legal, regulatory, fraud prevention, business and financial crime purposes.

Under applicable data protection legislation you may be entitled, on payment of a fee, to a copy of the personal information you have provided. If any data is inaccurate it will be corrected without delay. Please write to The Data Protection Manager, The Access Bank UK Limited, 4 Royal Court, Gadbrook Way, Gadbrook Park, Northwich, Cheshire, CW9 7UT.

Electronic communications
Please remember that Internet communications are not secure unless the data being sent is encrypted. We cannot accept any responsibility for the unauthorised access by a third party and/or the corruption of data being sent by individuals to us. Some countries prohibit transmission of encrypted data over telephone lines. You should not encrypt data transmitted if you know doing so would contravene applicable local, national or international laws. For guidance relating to your specific situation, please contact your legal adviser.

Intellectual Property
The entire content of the Site is subject to copyright with all rights reserved and it may only be stored, held or used for your personal use. You may not download (all or in part) for non-personal use or otherwise reproduce, transmit or modify the site without our prior permission. However, you may print out part or all of the Site for your own personal use. These permissions are revocable by us at any time. You are granted a non-exclusive licence of those rights in order to view this site on a non-commercial basis only, revocable at any time.

Security
It is our policy that if any of our customers are victims of unauthorised access to their accounts we will cover any resulting financial loss which the customer suffers provided that the customer has not breached our security procedures.

You must ensure that viruses, trojans, worms or equivalent or similar items do not enter your computer system. We assume no responsibility for loss of whatever nature, howsoever arising, resulting from such viruses, trojans, worms or equivalent or similar items.

Calls
We may record and monitor calls made or received by us to maintain high quality service standards, to check instructions and for your protection and ours.

Your Queries
If you have any queries regarding privacy issues then please write to The Customer Services Manager, The Access Bank UK Limited, 4 Royal Court, Gadbrook Way, Gadbrook Park, Northwich, Cheshire, CW9 7UT.

General Principles
The Access Bank UK Limited is committed to safeguarding the privacy of your information. By “your information” we mean any information about you, which you or third parties provide to us. This policy relates to the privacy of your information and outlines our commitment to the secure and responsible handling of information about our customers and visitors to our websites across the globe.

Customers
If you are a customer of the Bank, the way in which information about you is held and used is described in your account Terms and Conditions.

Online Services

  1. Information we collect
    If you register to use our secure services such as online banking we will ask you to provide some information about yourself for security and identification and verification purposes.
    When completing any online forms, we will provide you with information about how your information will be used in relation to the product or service that you are applying for, within the form and any associated terms and conditions.
    Where you provide information about others (e.g. for joint accounts or if you are “recommending a friend”) you must ensure that you have their consent or are otherwise entitled to provide this information to us.
  2. How we use your information
    We will use your information to inform you by letter, telephone, text (or similar) messages, digital television, email and other electronic methods, about products and services (including those of others) which may be of interest to you. You may tell us at any time if you do wish to receive marketing communications from us by writing to us providing your full name, address and account details. We may also use your information for research and statistical analysis with the aim of improving our services.We may pass your information collected online to people who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential. If we transfer your information to an agent or service provider located in another country, we will make sure that they agree to apply the same levels of protection as we are required to apply to your information and to use your information strictly in accordance with our instructions.We will retain information collected about you online for as long as permitted for legitimate business purposes.
  3. Use of cookies
    For information about “cookies” and how they are used on this website, please read our Cookie Policy.
  4. Security
    To find out about how we will keep your information secure and how you can protect your own information online, please read our security notice below.

Security Notice
Please remember that Internet communications are not secure unless the data being sent is encrypted. We cannot accept any responsibility for the unauthorised access by a third party and/or the corruption of data being sent by individuals to offices of The Access Bank UK Limited.
It has always been our policy that if any of our customers are victims of unauthorised access to their accounts, and provided that the customer has not breached our security procedures, we will cover any resulting financial loss which the customer may have suffered.

Contacting Us about this Site
If you have any questions or comments about this Site, our Terms and Conditions or this privacy statement, please contact us either by email, by telephone (0333 222 4516) or by sending us a letter to our registered office address, which is 4 Royal Court, Gadbrook Way, Gadbrook Park, Northwich, Cheshire CW9 7UT.