0871 231 2000
Calls cost 13p per minute plus your phone company's access charge
This Privacy Policy sets out how we collect and use your personal information and what your individual data protection and privacy rights are.
This Privacy Policy was last updated on 10th March 2022 and is version 2.2.
JD Williams & Company Ltd trading as N Brown is the Data Controller. This is the legal entity responsible for how your personal data is collected, stored and processed.
JD Williams & Company Ltd trading as N Brown operates a number of different brands to which this privacy policy relates. These brands are JD Williams, Simply Be, Jacamo, Ambrose Wilson and Home Essentials.
When you share your personal information with us, you have a right to expect that information to be treated with total confidentiality. Therefore, it is our responsibility to manage your personal data that you provide to us with care and in accordance with all data protection legislation and industry best practice.
Whether you have supplied your personal details online, by phone, by email or in a letter, we will never use them without a lawful reason to do so. We will use your personal data for the purposes for which they were initially requested and as fully explained in this Privacy Policy.
It is your responsibility to ensure that your personal data provided to us is accurate and up to date. You can update your personal contact details, including email address and phone number, by visiting My Account online or, if you need to update any other personal details, by ringing our contact centre on 0345 071 9018. (Select option 1)
Based on your marketing preferences, we use your email and home address to send you details of our latest products, services and promotions. We also use marketing Profiling techniques to determine what product offers may be of interest to you whether that be by email, telemarketing, direct mail or social media. For further information on how we use your personal data to keep you informed about our products, services and promotions and how you can change your marketing preferences, click the relevant sections below.
We hold your personal data for the purposes of direct marketing to you for a period of two years from the date of your last purchase or transaction on your account. We will continue direct marketing to you after the two years have passed if you fall into any of the following categories:
If you have only ever registered a cash account but never bought from us, we will stop marketing to you after a period of six months unless you ask to be contacted by updating your marketing preferences.
We will obtain your consent to send you details of our latest products and promotions via Email Marketing and Telemarketing in a number of ways. We will obtain your consent when you register your details with us, open a credit account, make a purchase, sign up to our email newsletters, request a catalogue from us, enter a competition or when we send you electronic receipts via email in store. You can change your email and telemarketing preferences at any time - see Changing Your Marketing Preferences.
We would like to keep you informed about our latest product offers, services and promotions using the email address you provide to us. We will also use your date of birth to send you specific offers for your birthday.
To do this, we will ask you to opt-in to receive marketing emails when you first register an account with us, sign up for our newsletter, enter a competition or prize draw or agree for us to use your email address for marketing purposes.
We create and keep records of how you interact with the electronic communications we send you by industry standard technologies such as pixels and gifs. These technologies enable us to gather statistics around email opening and clicks to help us measure the effectiveness of our marketing campaigns. You can prevent these technologies by disabling image autoloading in your emails at any time using your mail provider’s settings.
You can opt out of email marketing at any time - see Changing Your Marketing Preferences.
We will ask your permission to ring you about our latest product offers and promotions when you make a purchase or open a credit account with us. You can opt out of telemarketing at any time - see Changing Your Marketing Preferences.
If you have subscribed to the Telephone Preference Service, we will not contact you by phone unless you have explicitly opted in to receiving telemarketing calls from us.
We will use your name and address to send you personalised marketing mails in the post. We have a legitimate business interest to send you information about our products and offers in the post as we know that many of our customers like to browse through catalogues or offers prior to placing an order with us. However, should you wish to exercise your right to stop personalised postal marketing activity, you can do this at any time - see Changing Your Marketing Preferences.
We will use your data such as your email address and other online identifiers to send you online targeted marketing information about our product offers and promotions via social media platforms. To do this, we will share your email address in a secure manner with social media organisations, such as Facebook, who will match our advertising requirements to your social media profile. We have a legitimate business interest to send you product information via social media which we believe is of relevance to you; this is known as Interest-Based Advertising. However, should you wish to exercise your right to stop targeted social media marketing, you can do this at any time - see Changing Your Marketing Preferences.
We will not share your personal data with third party companies for the purpose of them marketing their products and services to you.
You can change your marketing preferences for Email Marketing at any time by:
You can change your marketing preferences for Telemarketing at any time by:
Please allow 48 hours for your changes to be processed for email and telephone marketing.
You can exercise your right to object to Direct Mail or Social Media at any time by:
Please allow 48 hours for your changes to be processed for social media. You may still receive direct marketing materials that are already processed before we received your request for up to 2 months.
We want to make sure that we offer you the right products and only contact you with content that you will find relevant and interesting. To help us do this we collect information about your online browsing activity using Cookies when you are using our websites and apps. These Cookies pass back to us your browsing information using your Internet Protocol ("IP") address as the identifier, which we combine with other anonymised, non-personalised and aggregated data, allowing us to determine what content and product information is most relevant to you when you are shopping online.
We also use other information that you provide to us and that we may we collect about you and sometimes share some of this information with third party partners in order to help us better understand the types of products you and others are most likely to be interested in and to analyse the effectiveness of our marketing campaigns across various marketing channels (such as email, telemarketing, direct mail or social media). This allows our third party partners to provide us with aggregated, anonymised analysis to help inform the products and services we offer but they will not use the data we share with them to market their own products or services to you.
We have a legitimate business interest to use the aggregated and anonymised data obtained via Cookies and other data we hold about you to help us provide you with relevant products and marketing and improve your overall shopping experience.
Profiling is a term used to describe a form of data processing where significant volumes of data made up of lots of different data types - such as browser history from Cookies, age, gender, size, transaction history, demographics, financial behaviour, preferences and buying habits - are analysed and then used in an aggregated, anonymised and non-personalised form to evaluate and predict what products and services you may or may not want to purchase from us by identifying a profile type that you are most suited to. This is sometimes referred to as Big Data and Data Science and is widely used by retailers to improve their customer offering and Interest-Based Advertising. We use this technique and may share data with our trusted partners to carry out profiling exercises to help us understand what drives you and others like you to buy from us and the types of products and services you and others are most likely to be interested in. By putting the needs and characteristics of our customers at the heart of what we do it helps us to offer the right products and services to the right customers whether that be through our websites, by email, telemarketing, direct mail or social media, in order to achieve the best possible customer outcomes. It also helps us to shape and develop the credit facilities we offer to our customers to purchase products from us and ensure the credit options offered are flexible, easier to use, clear, fair and not misleading in any way to help us fulfil our obligations as a fair and responsible lender.
The data that we collect and use when you browse or shop online, including where we use Cookies, uses your IP address as the unique identifier; however, it will not contain your name, home address or phone number. Along with your IP address, we may also capture data about your device to allow us to track performance across different platforms. We may also use your email address to send you online targeted marketing information, but we always use hashed email addresses to keep your data secure. The email addresses are scrambled before being utilised to ensure nobody else can gain access to your email address. This enables us to offer our customers the best possible online user experience and equally allows us to improve the relevancy of our advertising. This allows us to provide you with more of the content you want to see and allows us to evaluate the effectiveness of our marketing campaigns.
When you apply for a credit account with us, we will use your personal data to make a decision on whether or not we will accept your application and, if so, the amount of credit we will offer you. Without using personal data, we are unable to make a decision on whether we can offer credit and where credit is offered, perform services under a contract with you i.e. to calculate the amount of credit offered and manage your credit account in accordance with the applicable guidelines and regulation.
To make decisions on your credit application we use automated decision making and profiling. You do not have to provide us with your personal data to be used for the purpose of making an automated decision, by choosing not to do so though we will not be able to provide you with a credit account. However, you can still shop with us by opting for a cash account and paying for your purchases with credit or debit card.
We will hold your personal data for 6 years, plus the current financial year, after the date of your last transaction on your personal credit account.
To make decisions on your credit application, we use automated decision making and profiling. As part of this we will carry out searches with Credit Reference Agencies who will provide us with data about you. We use the data from Credit Reference Agencies, together with personal data you provide to us, including data about your financial situation and history, where you live, transactional data (such as any previous trading or account history with us), data in public records (such as data held in the electoral role and on the insolvency register), and other data which you have given permission to be used for this purpose. We use this data to verify your identity and determine whether we are able to offer you credit and if so, the level of credit we can offer. We do this by analysing the data to calculate a score which allows us to categorise customers based on risk in order to make lending decisions.
Processing your data in this way enables us to respond to your credit application promptly and to ensure our credit lending decisions are fair and responsible. By proceeding with a credit application, you agree to the use of automated processes and acknowledge that without using them we are unable to proceed with your credit application. However, if we are unable to offer you credit or you decide not to make a credit application you can still shop with us by opting for a cash account and paying for your purchases with a credit or debit card.
We have also partnered with Aire Labs Ltd (Aire), authorised and regulated by the Financial Conduct Authority for the provision of credit references (FRN:744817), who we may refer you to in order to ask some additional questions. When transferred to Aire you will need to answer all of the questions to complete your credit application with us.
Aire will ask questions about you and your household, such as your financial circumstances, employment, education, and lifestyle. They may also seek further information about you from other data providers and public sources. All of the information collected will be analysed and used to build a picture of your financial standing, which will only be shared with us.
We will use the information provided by you to both us and Aire to process your credit application and to support our lending decision making process. We rely on our legitimate interest in ensuring our credit lending decisions are fair and responsible when processing and sharing your data in this way. We will continue to exchange information about you with Aire while you have a relationship with us, so Aire can perform statistical analysis about credit lending decisions and to improve their service. This data will not be shared with anyone else.
Where we are still unable to make an immediate decision, we will refer your application to our Credit Underwriting Team who may request additional information from you. Should you not wish to provide such information, we will not be able to make a decision on your credit account application. However, you can still shop with us by opting for a cash account and paying for your purchases with a credit or debit card.
We will request information about you from Credit Reference Agencies ("CRAs") and we will also share your personal data with CRAs. The CRAs we use are Experian, TransUnion, Equifax and Aire Labs Ltd. For more information about how CRAs use your personal data, please refer to the Credit Reference Agency Information Notice ("CRAIN") at:
You can also find information about how Aire handle your data at:
These companies receive and share personal and financial data on you from other companies that you are connected with financially as well as providing us with verification of your name, address, date of birth and gender details from the Electoral Register to prevent fraudulent applications. The CRAs record details of all credit searches and tell us the risk associated with providing credit and if there is any suspected fraudulent activity associated with you.
We will also share your personal data with CRAs and other companies for fraud prevention purposes and will continue to exchange information about you whilst you have a relationship with us. We will also inform CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs. When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.
We may make periodic searches of the records we hold about you and those held by CRAs and fraud prevention agencies and may also request additional information from you to help manage your account with us and, to take decisions about credit, including whether to make credit available or to extend existing credit arrangements. These searches and any additional information you provide to us will not be available to other lenders for credit assessment purposes.
We, CRAs and fraud prevention agencies may also use credit records for statistical analysis about credit, insurance and fraud generally. This is not personal data but is aggregated for the purpose of trend analysis, managing debt and fraud prevention.
You have the right to access your personal records held by CRAs by contacting Experian, TransUnion and Equifax directly.
When you register to open a personal cash account, we will hold your personal data which you have provided to us. When you make a subsequent card or cheque payment to purchase products from us, we will use your personal data and card information to process the order. This involves sending your personal data to our card payment and banking providers to ensure that you have sufficient funds to cover the value of the transaction. Without this data, we are unable to fulfil your order.
We will hold your personal data for 6 years, plus the current financial year, after the date of your last transaction on your personal cash account.
We process all card payments in line with our obligations under the PCI-DSS regulations. Whenever you provide your card details to us either online or over the phone, we will encrypt the payment details before sending to our card payment and banking provider. If you pay over the phone, we will mask any card data that you provide so that this is not visible to our customer advisors as well as stopping card data from being recorded in our Call Recordings. This is regularly monitored for quality assurance as part of our PCI-DSS obligations.
Any card details provided by customers via paper order forms will be immediately, and securely, destroyed once processed.
We carry out fraud checks before providing goods or credit to you. In order to do this, we use data sourced from Credit Reference Agencies and other external agencies that are involved in fraud detection to prevent fraud and money laundering, and to verify your identity. Data we use to do this may include: name, address, date of birth, contact details, financial information, employment details and device identifiers, including IP address.
The personal information we have collected from you will be shared with fraud prevention agencies and law enforcement agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by https://www.cifas.org.uk/fpn
We process your personal data on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested.
We process your personal data on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested.
As part of the processing of your data, decisions may be made by automated means. This means we may automatically decide that you pose a fraud or money laundering risk if our processing reveals your behaviour to be consistent with money laundering or known fraudulent conduct, or is inconsistent with your previous submissions, or you appear to have deliberately hidden your true identity.
If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services or financing you have requested, or we may stop providing existing services to you. A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details above.
Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose contractual obligations on the recipients of that data to protect your personal data to the standard required in the European Economic Area. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.
We will hold your personal data for 6 years, plus the current financial year, after the date of your last transaction on your personal credit or cash account.
We will use the information, including personal data, which you provide to us when you register for your Simply Be customer account to administer your Simply Be Perks loyalty membership. Without this data, we are unable to administer your Simply Be Perks loyalty membership. For more details on how we use your personal data, click on the heading below.
We will hold your personal data for 6 years, plus the current financial year, after the date of your last transaction on your Simply Be Perks loyalty membership.
We will use your personal data to operate your Simply Be Perks loyalty membership in the following manner:
It is important that the contact information on your Simply Be customer account is accurate and up to date at all times. If you need to amend any of your details, you can do this online via your Simply Be customer account or by calling us.
If you have opted out of receiving email marketing from Simply Be when registering your Simply Be customer account, or at any other time, you will not receive any email notifications about any new or existing rewards available to you. You can still be a part of Simply Be Perks and view your rewards online. You can change your email preferences at any time if you wish to opt back in - see Email Marketing.
We will use your personal data to administer and to operate your personal credit and cash account as set out below. We will collect and use the contact details that you provide to us to communicate with you about your account and in relation to the products and services we provide to you.
We will hold your personal data for 6 years, plus the current financial year, after the date of your last transaction on your personal credit and cash account.
We will use your personal contact details such as name, postal address, phone number and email address that you provide to us in respect of delivering products or services to you. We will share this information with our suppliers who directly despatch orders to you or our delivery partners who may contact you to arrange a convenient delivery time and provide you with updates as to when they will arrive.
We use your customer account and contact details to verify any returns and refunds that we process either by card or via your credit account. We process all card payments in line with our obligations under the PCI-DSS regulations and will encrypt the payment details before sending to our card payment and banking provider.
We use your personal contact details such as name, postal address, phone number and email address to notify and discuss with you about any updates, changes or issues with your personal credit account. We use your personal contact data, payment history and credit information obtained from Credit Reference Agencies and any additional information that you may provide to us to determine whether and when to increase or reduce your credit limit. We may also send you notifications via SMS to contact you about changes to your credit account and to notify you if you have exceeded your credit limit or a payment is due.
We may use your personal data including special category data so that we can help support you with the management of your account. For example, we may use data about your specific accessibility needs, personal circumstances or financial situation in order to help you access your account and statements or manage your repayments. We will always obtain your consent before processing your special category data for these purposes, we will only use it for these purposes and will keep it safe and secure at all times. You have the right to withdraw your consent in which we will stop the processing of this data as soon as possible. You can withdraw your consent at any time – see contact us for details on how to get in touch.
We may also use and where necessary share your personal data when dealing with those individuals or organisations who have been authorised by you to act on your behalf in respect of the management of your account. This may include organisations such as debt management companies, legal and/or financial advisors, insolvency practitioners or other individuals expressly authorised by you.
You can set up a direct debit between us and your bank to make regular payments to your personal credit account with us. If you choose to pay this way, we will require a bank account number, sort code and the type of payment you wish to make e.g. full balance or fixed amount. We will use the personal data provided to verify that the account number and sort code combination are valid. We will also ask you for the bank account holder’s name which the bank will use to verify the direct debit payment request. It is your responsibility to ensure that you either have a sole authority or that you have the bank account holder’s permission to make payments from their bank account.
Where you pay by cheque, we will also store the cheque details including account number and sort code which are required to deal with any queries raised to us by your bank.
Where you pay by credit or debit cards, we process all card payments in line with our obligations under the PCI-DSS regulations. Please see Processing Card Payments section for more detail.
We will use the email address that you provide to us to communicate with you about your account and in relation to the products and services we provide to you. Unless you have specifically requested otherwise, we will send your account statements and other account information and documentation to you electronically using your email address.
We will hold your statement data for 6 years, plus the current financial year, after the date of your last statement.
We may record inbound and outbound calls from our contact centre for quality assurance, regulatory compliance and training and monitoring purposes. We retain all call recordings for a period of 12 months.
If you have any complaints with regards to the operation of your personal cash or credit account, please contact our contact centre on 0345 071 9018 so we can deal with your complaint as quickly as possible. We will need to access your personal data and account history to verify your identity for security reasons and deal with the details of your complaint. Details of any complaints received will be logged and recorded so they can be dealt with accordingly.
We will use your personal data for all general service communications including sending your statements, processing orders, notifying you of orders received, updating you on deliveries, despatched or products out of stock. We need to do this for the performance of the contract and terms and conditions that you have signed.
As a valued customer, we may use your personal data to contact you by phone, SMS, letter or email to ask you to participate in one of our product and/or service improvement programmes. We will share your personal contact details with our chosen third party partners and service providers who may carry out these programmes on our behalf. We have a legitimate business interest in contacting our customers in this way and will always treat your involvement in any product and/or service improvement programme, and associated personal data, in confidence.
Whenever you make a purchase from us, we will send you an email asking you to provide a review of the product and tell us what you think. If you choose to do so, you will be asked to enter your email address, your thoughts about the product and any relevant details which may include age range, height and size if relevant to the product you have purchased. You will also be asked to agree to separate terms and conditions as we use a third party, Bazaar Voice, to process and analyse the data for us. We will use your email address to confirm that we have received your product review. We are really keen to hear what you think about our products and use the information to inform our product development programme. However, if you prefer not to receive product review emails in future, you can unsubscribe using the link in the body of the email.
From time to time, we will contact you to take part in a customer satisfaction survey to obtain feedback about our products and services. We will send you an SMS or email containing a short survey which we ask you to complete and send back to us. The information we collect is only used by us to improve our products and services and deal with any enquiries and complaints that you raise following this contact. We may use third party partners such as Medallia to communicate with you and collect this information on our behalf. We will share contact information such as your name, phone number and email for them to contact you to ask if you wish to participate in such surveys. We may also share other information that is relevant to the survey such as location, gender and whether you have a cash or credit account. We, or our third party partners, may sometimes follow up on surveys with you to get more information from you regarding specific complaints or feedback. You can choose not to participate in these surveys should you not wish for your personal data to be shared in this way by replying to SMS contact with STOP or by using the opt-out links in the emails we send you.
From time to time, we employ different market research agencies, who act on our behalf, to contact our customers with the aim of getting a more detailed understanding of what our customers think about our products and services. We will share your basic personal data - name, address, phone number and email - for them to contact you to ask if you wish to participate in our service improvement programme. We may also share more personal data about your shopping habits, including the size and type of products that you have purchased if this is relevant to the market research. Occasionally, we ask our research companies not to tell customers that they are contacting you on our behalf, for example for brand research purposes, as we do not want to influence your answers. However, the market research company is obliged to disclose this information should you ask at the end of the survey. If you do not wish to be contacted for market research purposes, you can ring the contact centre on 0345 071 9018 or by asking our third party partners to remove your details from further surveys.
We actively use social media platforms as a way of connecting, and getting closer, to our customers to hear and understand what our customers think about us and our products and services. Occasionally, we may contact you directly via those social media platforms if we would like to share your comments or pictures with other customers or publish them in our marketing materials. We will always ask you if you are happy for us to use your data in this way and will keep any data that you provide to us, such as email address, confidential and secure.
In the event that you need to make a claim against us, whether that be a product issue or personal injury claim, we will use your personal data and any supporting evidence that you provide to us to process your claim, including sharing this with our chosen insurance companies. From time to time where a claim is outside of our insurance policy, we may also need to engage with external lawyers and share your personal data with them.
As part of delivering our products and services to you, we will share your personal data with carefully chosen Third Party Processors and Partners who carry out a number of services on our behalf. Should you wish to obtain a list of our latest Third Party Processors and Partners, you can request this at any time by contacting our Data Governance team.
Any third party that communicates with you on our behalf must only do so for the purpose of carrying out the services and not for the purpose of direct marketing their own products and services. If you have any concerns about any of our third party processors and partners, please contact our Data Governance team.
We will transfer your personal data outside the European Economic Area (the EEA) to prevent fraud, for credit searches and with our outsourced IT partners and contact centres. Please also see Sharing Your Personal Data with Third Party Processors & Partners. In some cases, countries outside the EEA may not have such well-developed data protection laws as those in the EEA. However, we will put in place measures and safeguards that require your personal data to be kept secure, confidential and to be processed only and strictly in line with the terms of this Privacy Policy and any relevant data protection laws.
We will sometimes act as a data processor for other retail companies including, but not limited to, Amazon and eBay. These companies pass your personal data - name, address, email address, telephone number and unique order number - to us for the sole purpose of fulfilling and managing your order on their behalf. We may occasionally contact you in respect of your order using this data. When placing an order with these companies, you will be agreeing to their terms and conditions and their privacy policy. Please contact the relevant company should you have any questions, comments or complaints about how your data is used.
If you have any questions, comments or complaints about this Privacy Policy or our use of your personal data, please contact us at:
Data Governance Team
JD Williams and Company Limited trading as N Brown
Griffin House
40 Lever Street
Manchester M60 6ES
informationrequest@nbrown.co.uk
If you are at all dissatisfied with the information provided by the Data Governance Team, please address any complaints to the Data Protection Officer at the same address.
You may wish to access a copy of the personal data we hold about you - known as a Subject Access Request. You can do so by ringing, writing to or emailing the Data Governance team. We will respond to your Subject Access Request as soon as possible and, in any event, within one month. However, in the event that we need more information from you to verify your identity, which we must do to ensure we disclose your personal data to the right person, the one month response period will only commence from the time that we have validated your identity.
Please be aware that for security reasons we do not usually provide details of any bank details that we hold against your account(s). Please speak to our Data Governance team should you need this additional information.
If you believe we have made an error as to the personal data we hold about you, please speak to one of our customer service advisors on 0345 071 9018 who will be able to process the correction for you. Alternatively, you can visit My Account to update your contact details online. Should you wish to discuss this matter further, please contact the Data Governance team.
You have the right to request your personal data to be permanently deleted from our records and systems to avoid any further communication with you. Your request will always be considered in light of the legal bases that we hold, store and process your personal data and the purpose that we collected your data. Where the legal bases permits, we will carry out your instruction without undue delay. Please note, however, that where we have a legal or contractual obligation to hold your personal data, we may not be able to carry out your request but we will explain this fully to you. Please address any request to delete your data to the Data Governance team.
Should you believe that we are processing your personal data in a way that you did not understand or agree to and wish to restrict such processing, please speak to the Data Governance team who will be able to assist you.
You have the right to object to certain types of processing of your personal data. We will always make it clear at the outset of any new arrangement with you how we are going to process your personal data. Should you wish to object to such processing, particularly concerning Automated Decisioning and Profiling, we will give you the option to opt out on application. However, should you wish to discuss this matter further, please speak to the Data Governance team.
In the event that you wish to move your personal data that we hold on you to another organisation in the form of an excel or csv format, please contact the Data Governance team who will be able to assist you.
You have the right to be informed about the collection and use of your personal data. This is commonly known as a 'privacy statement' or 'privacy policy'. We will provide you with the information about how we collect and use your data in various means, such as by 'just in time' notice provided to you at the time of collecting your personal data and via this Privacy Policy. Our Privacy Policy is regularly reviewed in line with our business processes. Any changes to this Privacy Policy will be communicated via email and credit account statements to all active customers. We will also advise customers of changes when ringing the call centre via a recorded message. You can ask for a printed copy of our Privacy Policy by contacting the Data Governance team.
You have a right to lodge a complaint with the Information Commissioner's Office (ICO) if you have a complaint with how you believe your personal data has been handled. For more information, please visit https://ico.org.uk/concerns