Keeping your personal data secure

We are committed to ensuring that all information which we hold about you is stored and treated with the utmost care and in accordance with all appropriate laws. We therefore have strict confidentiality standards in order to protect your information.

You should be aware that the internet is not a completely reliable or secure transmission medium. In order to protect your privacy, we would also like to remind you that you may choose another means of communication with us. 

By accessing any part of this website or providing any information to us you consent to the use and transfer of your information on the terms set out in this Privacy policy.

In general you can visit this website without telling us who you are or revealing any information about yourself. However, there are parts of this website where we may need to collect personal information from you, including without limitation your name, email addresses and telephone numbers.

Any information you provide while using Lloyds TSB Private Banking Private Access will be transmitted and stored in a secure, protected environment. Please also refer to your Private Access application form. We undertake all reasonable steps to ensure that your personal data cannot be accessed by third parties.

Domain name information that we collect is not used to personally identify you and instead is aggregated to measure the number of visits, average time spent on the website, pages viewed etc. We use this information to measure the use of our Website and to improve its contents.

Use of cookies
Cookies are small amounts of information that are stored on your computer to enable our server to collect certain information from your web browser. Cookies in themselves do not identify the individual, just the computer used. Cookies and other similar technology make it easier for you to log on to and use the Website during future visits.

Cookies are used in this website by us and by third parties to:

• monitor and manage website traffic; and
• if required as a matter of law or regulation, in order to protect our or our other customers’ rights.
  
  Cookies themselves only record which areas of the website have been visited by the computer in question, and for how long. Allowing us or a third party to create a cookie does not give us access to your computer and we will not use cookies to track your online activity once you leave the website. Cookies are read only by the server that placed them, and are unable to execute any code or virus.
  
  With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored. If you want to know how to do this please look at the help menu on your web browser. However, please note that switching off or “opting out” of cookies will mean that you may not be able to use certain features of the website.

For more information read our Cookies policy which also provides a list of the cookies that we use.

Your personal data and Lloyds Banking Group

If you are a customer of a Lloyds Banking Group company, details of the information we collect and how we use it will also be set out in the terms and conditions of the product or service which you hold. In the event of a conflict between this Privacy policy and the terms and conditions of your specific product or service, the terms and conditions of your specific product or service will take precedence.

You agree that we may keep your personal details, given to us by you or other people during your relationship with us and with other companies in our group, in any database of the Lloyds Banking Group. This includes:

• details you give us on application forms;
• details you give us during financial reviews and interviews;
• our analysis of your banking transactions; and
• what we know from operating your accounts.
  
  Companies in our group may use and update this centrally held information to:
• provide you with services;
• identify products and services which might be suitable for you;
• assess lending and insurance risks;
• recover debts;
• prevent and detect fraud; and

update their own records about you.

We may also use your information for research and statistical analysis with the aim of improving our services. If you request it, we will provide you with a copy of the information we hold, in line with the Data Protection rules. We may charge for this service, according to the Data Protection rules relevant to your jurisdiction.

The information we hold about you is confidential. We will only disclose it outside the Lloyds Banking Group when:

• you give us your consent;
• it is needed by our agents and others involved in running accounts and services for you;
• we or others need to investigate or prevent crime;
• the law permits or requires it, even without your consent, or there is a duty to the public to reveal the information.

Lloyds TSB Private Banking may provide services or administer your account from centres in countries outside the EEA (such as Switzerland and the USA) that do not always have the same standard of data protection. However, we will be bound by our obligations under relevant local Data Protection rules even when your personal information is processed outside the EEA.

Personal contact is an important part of the service and your Relationship Manager may contact you personally to inform you about products and services offered by Lloyds Banking Group and others that he or she thinks are relevant to you, based on his or her understanding of your financial needs.

Confidentiality

Subject to the paragraph below, we shall not, without your prior written consent, use or disclose any information relating to your affairs, business, investments, finances or other matters of a confidential nature except to the extent that such use or disclosure is required by law or any regulatory authority or is necessary to enable us to properly perform our obligations.

The obligations in this section shall not apply to any confidential information that we hold otherwise than as a result of this Agreement, or that becomes public without any breach by us of our confidentiality obligation under this Agreement. For the avoidance of doubt, we will be entitled to disclose confidential information if we are required or requested to do so by a relevant regulatory or tax authority or under any Applicable Regulations.

We are not obliged to disclose to you or to take into consideration or use for your benefit any fact, matter or thing:

if, in our reasonable opinion, disclosure of the information would or might be a breach of duty or confidence to any other person or may make our employees liable to criminal or civil proceedings; or
which comes to the notice of an officer, employee or agent of ours but does not come to the actual notice of the individual or individuals with whom you are dealing.