Terms
and Conditions
PRIVACY POLICY
We are committed to protecting the Confidential Information
you entrust to us. We carefully manage that information to provide
you with high quality financial products and services. We never
sell your customer information to non-affiliated third parties
and we never share your customer information with non-affiliated
third parties who may wish to market their products to you.
The Financial Services Authority guidelines recommend us to provide you
with this statement, and we welcome the opportunity to share
with you the steps we take to ensure the confidentiality and
security of your information.
PROTECTING YOUR CONFIDENTIAL INFORMATION.
We take seriously our obligation to safeguard your Confidential
Information. Your information is accessible only to employees
who need the information to provide products or services to
you. All our employees are bound by a formal Code of Ethics
emphasising their responsibility to maintain the privacy and
confidentiality of your information. In addition, we provide
training programs to educate our employees about their responsibilities
under our Privacy Policy.
We also maintain physical, electronic, and procedural safeguards
to ensure the confidentiality of your information. We monitor
new technology and upgrade our systems as needed to best protect
your information.
PROTECTING DISCLOSURE OF INFORMATION TO NON-AFFILLIATED
NON-FINANCIAL THIRD PARTIES.
We never sell Confidential Information to others; we will never
disclose Confidential Information to non-affiliated, non-financial
third parties without securing your prior consent.
USING CONFIDENTIAL INFORMATION TO SERVE YOU.
Collecting Information.
We may gather Confidential Information from the following sources:
Information you provide on applications and through other forms,
such as your name, address, National Insurance Number and income
Information based on your transactions and account experience
with us
Information from a consumer report, such as your creditworthiness
and credit history
SHARING INFORMATION WITH COMPANIES WORKING FOR US.
We may disclose Confidential Information to other companies
that work for us or perform services for us. These companies
help us deliver our financial products and services to you.
For example, these companies may assist us in processing your
transactions. We require these companies to adhere to strict
privacy and confidentiality standards through their contracts
with us. We never share information with non-affiliated third
parties to market their products.
SHARING INFORMATION WITH COMPANIES UNDER A JOINT MARKETING
OR SERVICING AGREEMENT.
We may partner with other companies under a joint marketing
or servicing agreement to offer you expanded products and services.
Before we share Confidential Information with any of these companies,
we require that they agree in writing to adhere to strict privacy
and confidentiality standards to protect your information and
limit its use to the business purpose of our agreement with
them.
DISCLOSING INFORMATION AS PERMITTED BY LAW.
We may also disclose Confidential Information with your consent
or as otherwise permitted by law. For example, this may include
disclosure to a credit-reporting agency or in response to a
subpoena or other legal process. It may also include disclosure
to protect against fraud, as part of an audit or examination.
We do not share Confidential Information about former customers,
except as permitted by law.
LET US ANSWER YOUR QUESTIONS.
We hope the information in this Privacy Policy is helpful to
you. We welcome the opportunity to answer any questions or concerns
you may have about our Policy and practices. Please write to
csd@dukeandlordeurope.com.
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