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LEGAL INFORMATION
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WEBSITE LEGAL
COMPANY REGISTRATION DETAILS
Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London,
NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and
Wales. www.santander.co.uk. Authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Our Financial Services Register number is 106054. You can check this
on the Financial Services Register by visiting the FCA’s website
www.fca.org.uk/register. Santander and the flame logo are registered trademarks.
JURISDICTION FOR USE
This website is intended for use only by those who can access it from within the
UK - other than for the purpose of accessing USA Patriot Act certifications.
Products advertised on these pages are only intended for sale to UK residents
and mortgages are only available on properties in the UK.
GOVERNING LAW
This site is governed by the laws of the country of the UK within which you
reside and any dispute or action arising out of this site shall be determined in
accordance with such laws.
CONTRACTS
Santander (and its third parties and associated companies) will keep a copy of
your contract once it is signed and returned. This will be available on request
(though there may be a charge for this service).
All contracts and applications are written in English.
USA PATRIOT ACT
The USA PATRIOT Act 2001 (Uniting and Strengthening America by Providing
Appropriate Tools Required to Intercept and Obstruct Terrorism) was passed in
October 2001. It includes a number of provisions intended to combat money
laundering and the financing of terrorism.
U.S. Financial institutions are required by the USA PATRIOT Act to obtain
certain information about foreign banks that maintain relationships with them.
Please follow the link below to access the Santander global USA PATRIOT Act
Certificate.
Global Patriot Act Certification (pdf) (160 KB)
CONTACTS
If you believe any information on this site is inaccurate or have any
suggestions on how the content of this site could be improved please contact us
If you have questions on a particular product or service please use the contact
details shown for that product or service.
CHANGES
We will update the content of this notice from time to time. Please ensure that
you visit this page regularly and refresh your browser to ensure your
information is up to date.
You can check our authorisations with the Financial Conduct Authority
at www.fca.org.uk/register or by calling them on 0800 111 6768.
Santander UK plc is a member of the Financial Ombudsman Service, contact
details: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London
E14 9SR. Telephone: 0800 0234 567. www.financial-ombudsman.org.uk
FINANCIAL SERVICES COMPENSATION SCHEME
Santander UK plc is a member of the Financial Services Compensation Scheme
established under the Financial Services and Markets Act 2000. This replaces
previous compensation schemes. For further information please contact us or
visit the Financial Services Compensation Scheme website at: www.fscs.org.uk
THE STANDARDS OF LENDING PRACTICE
Santander in the UK adheres to The Standards of Lending Practice which are
monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
View call charges
PRIVACY POLICY
We are Santander UK plc, the data controller. You can contact our Data
Protection Officer (DPO) at 201 Grafton Gate East, Milton Keynes, MK9 1AN if you
have any questions.
This is our Privacy Policy which explains how we obtain, use and keep your
personal data safe in relation to the Santander website (santander.co.uk),
Santander Online Banking website and Santander mobile app(s) for Personal,
Business and Corporate customers, Santander Investing website
(https://www.santander.co.uk/personal/savings-and-investments/investments) and
Santander Investment Hub website (investmenthub.santander.co.uk).
Your personal data is data which by itself or with other data available to us
can be used to identify you.
We're committed to keeping your personal information safe in accordance with
applicable data protection laws.
THE TYPES OF PERSONAL DATA WE COLLECT AND USE
The types of personal data we capture and use will depend on what you are doing
on the website or mobile apps. We’ll use your personal data for some or all of
the reasons set out in this Privacy Policy. If you become a customer we’ll also
use it to manage the account, product or service you’ve applied for and we’ll
provide you with a separate data protection statement specifically in relation
to that as part of the online application journey. Some of the information
relevant to that is included in this Privacy Policy for consistency. Examples of
the personal data we collect and use in relation to our website and mobile app
may include:
* Full name and personal details including contact information (e.g. home
address and address history, email address, home and mobile telephone
numbers);
* Date of birth and/or age (e.g. to make sure that you are eligible to apply
for a product or service);
* Financial details (e.g. salary and details of other income, and details of
accounts held with other providers if you apply for a product or service with
us);
* Records of products and services you’ve obtained or applied for, how you use
them and the relevant technology used to access or manage them (e.g. mobile
phone location data, IP address, MAC address);
* Information from credit reference and fraud prevention agencies, electoral
roll, court records of debt judgements and bankruptcies and other publicly
available sources as well as information on any financial associates you may
have if you apply for a product or service with us;
* Family, lifestyle or social circumstances if relevant to the product or
service you apply for (e.g. the number of dependants you have);
* Education and employment details/employment status for credit and fraud
prevention purposes if you apply for a product or service with us; and
* Personal data about other named individuals as required. Where you provide
the personal data of others you must have their authority to provide their
personal data to us and share this Privacy Policy and any related data
protection statement with them beforehand together with details of what
you’ve agreed on their behalf.
* Special category data, including data about your health and biometric data
(e.g. facial ID, fingerprints, keystrokes, and voice recordings for Touch ID
and voice recognition);
PROVIDING YOUR PERSONAL DATA
We’ll tell you if providing some personal data is optional, including if we need
to ask for your consent to process it. In all other cases, if you fail to
provide the requested personal data, we may be unable to process or respond to
your application, query or service request. We’ll collect this personal data
directly from you when you use this website. Where you go through an application
process with us, we may collect some of your personal data indirectly, from
other sources. We will tell you about the sources of the personal data in the
data protection statement relevant to the specific product. If you provide
personal data about another individual, you must have their authority to provide
their personal data to us and you must share this Privacy Policy and any related
data protection statement with them beforehand together with details of what
you’ve agreed on their behalf.
MONITORING OF COMMUNICATIONS
Subject to applicable laws, we’ll monitor and record your calls, emails, text
messages, social media messages and other communications in relation to your
dealings with us. We’ll do this for regulatory compliance, self-regulatory
practices, crime prevention and detection, to protect the security of our
communications systems and procedures, to check for obscene or profane content,
for quality control and staff training, and when we need to see a record of
what’s been said. If you take out an account or service with us, we may also
monitor activities on your account/service where necessary for these reasons and
this is justified by our legitimate interests or our legal obligations.
USING YOUR PERSONAL DATA: THE LEGAL BASIS AND PURPOSES
We’ll process your personal data:
1. As necessary to perform your contract with you for the relevant account,
product or service:
a) To take steps at your request prior to entering into it;
b) To decide whether to enter into it;
c) To manage and perform that contract;
d) To update our records; and
e) To trace your whereabouts to contact you about your account.
2. As necessary for our own legitimate interests or those of other persons and
organisations, e.g.:
a) For good governance, accounting, and managing and auditing our business
operations;
b) To search at credit reference agencies at your home and business address (if
you are a business customer) if you’re over 18 and apply for credit;
c) To monitor emails, calls, other communications, and activities on your
account;
d) For market research, analysis and developing statistics;
e) To trace your whereabouts to contact you about your account, and to recover
debt you owe us;
f) For establishment and defence of legal rights;
g) for the prevention, detection and investigation of financial crime, including
fraud, money laundering, and terrorism financing; and
h) To send you marketing communications and for marketing to you in-branch,
including automated decision making relating to this.
3. As necessary to comply with a legal obligation, e.g.:
a) When you exercise your rights under data protection law and make requests;
b) For compliance with legal and regulatory requirements and related disclosures
c) For establishment and defence of legal rights;
d) For activities relating to the prevention, detection and investigation of
crime;
e) To verify your identity, make credit, fraud prevention and anti-money
laundering checks; and
f) To monitor emails, calls, other communications, and activities on your
account.
4. Based on your consent, e.g.:
a) When you request us to disclose your personal data to other people or
organisations such as a company handling a claim on your behalf, or otherwise
agree to disclosures;
b) When we process any special categories of personal data about you at your
request (e.g. your racial or ethnic origin, political opinions, religious or
philosophical beliefs, trade union membership, genetic data, biometric data,
data concerning your health, sex life or sexual orientation); and
c) To send you marketing communications where we’re required to ask for your
consent to do so.
You're free at any time to change your mind and withdraw your consent. The
consequence might be that we can’t do certain things for you. To the extent
that action has already been taken based on your consent, withdrawal of your
consent will not apply to the processing of your personal data that has already
occurred, based on your consent.
SHARING OF YOUR PERSONAL DATA
Subject to applicable data protection law we may share your personal data:
* with the Santander group of companies* and associated companies in which we
have shareholdings;
* with sub-contractors and other persons who help us provide our products and
services;
* with companies and other persons providing services to us;
* with our legal and other professional advisors, including our auditors;
* with fraud prevention agencies, credit reference agencies, and debt
collection agencies at account opening and periodically during account or
service management;
* with other organisations who use shared databases to do income verification
and affordability checks and to manage/collect arrears;
* with law enforcement bodies;
* with government bodies and agencies in the UK and overseas (e.g. HMRC who may
in turn share it with relevant overseas tax authorities and with regulators
e.g. the Prudential Regulatory Authority, the Financial Conduct Authority,
the Information Commissioner’s Office);
* with courts, to comply with legal requirements, and for the administration of
justice;
* with the Financial Services Ombudsman and the Business Banking Resolution
Service;
* with other banks and financial institutions for the prevention and detection
of financial crime, including fraud, money laundering, and terrorism
financing
* in an emergency or to otherwise protect your vital interests;
* to protect the security or integrity of our business operations;
* with other parties connected with your account (e.g. guarantors and other
people named on the application); joint account holders will see your
transactions;
* when we restructure or sell our business or its assets or have a merger or
re-organisation;
* with market research organisations who help to improve our products or
services;
* with payment systems providers (e.g. Visa or MasterCard) if we issue cards
linked to your account; they may transfer your personal data to others to
process transactions, resolve disputes and for statistical purposes,
including by sending your personal data overseas; this is necessary to
operate your account and for regulatory purposes; and
* with anyone else where we have your consent or where we have another lawful
basis for doing so.
INTERNATIONAL TRANSFERS
In some instances your personal data may be transferred outside the UK and the
European Economic Area. While some countries have adequate protections for
personal data under applicable laws, in other countries additional steps will be
necessary to ensure appropriate safeguards are in place to protect your personal
data. These include imposing contractual obligations to ensure these safeguards
are put in place or requiring the recipient to subscribe to or be certified with
an ‘international framework’ for the protection of personal data. More details
can be found in our 'Using My Personal Data’ booklet (1.66 MB)
ONLINE APPLICATIONS
If you apply for an account online, before you enter any personal details into
the online form, we'll tell you how your information will be used in our data
protection statement relevant to that account, in the 'Using My Personal Data’
booklet (1.66 MB) and sometimes in the relevant terms and conditions. You’ll be
asked to confirm that you have read these and you’ll be asked to agree to our
terms and conditions before your application can proceed.
The data protection statement, in conjunction with the 'Using My Personal Data’
booklet (1.66 MB), includes details of the uses we may make of your data, the
legal bases we are relying upon to carry out that processing, and who we may
share your personal data with. For instance, for credit account applications
like loans and bank accounts, we may pass your details to a recognised credit
reference agency to help process your application.
We may occasionally send you information about accounts and services which we
think would be of interest to you but only where we have your consent or if this
is within our legitimate interests (see above for more details about lawful
bases). You can choose to stop receiving information at any time by contacting
us.
CONTACTING US BY PHONE
Contact us
To help us improve our service we may record or monitor phone calls, as
explained in the monitoring of communications section, as necessary to comply
with any legal obligations and for our legitimate interests.
View call charges
CONTACTING US BY EMAIL
When you contact us, we may need to collect some personal details like your
name, address and phone numbers. Email isn't 100% secure so you shouldn’t send
personal data such as your account information using normal email. Please
consider another method, such as using chat in Online Banking or calling us, if
you need to share personal information.
Emails are stored on our standard internal contact systems which are secure and
can't be accessed by external parties. We store this information to identify
trends, and for the purposes set out in the monitoring of communications
section, as necessary to comply with any legal obligations and for our
legitimate interests. For more information on the criteria we use to determine
our retention periods, see below.
AUTOMATED DECISION MAKING AND PROCESSING
We may automatically process your personal information, without human
intervention, to evaluate certain personal aspects about you (known as
profiling).
In particular, we may analyse or predict (among other things) your economic
situation, personal preferences, interests or behaviour. This could mean that
automated decisions are made about you using your personal information. For
example, we might analyse certain customer demographics, account holdings and
account behaviours (such as Direct Debits you have set up on your accounts
including those which identify accounts and products such as credit cards and
store cards which you hold with other providers/elsewhere) and look at details
of transactions relevant to your accounts. We may also analyse events such as
the maturity dates of your accounts and opening anniversaries.
In some instances we’ll use automated processing and decision making, where
relevant, to decide which of our other products or services might be suitable
for you, as well as to produce a personalised price for insurance products, to
provide an indication of the price prior to an application being made (please
note, publicly available information about you and information about you from
third party data sources such as, credit reference agencies, will also be used
to provide you with an indication of the price). The personalised price would be
presented to you in marketing communications and during contacts with Santander
that might be suitable. We’ll look at the types of accounts that you already
have with us, as well as your age, where this is relevant to the product, we
think you might be interested in. We’ll also conduct behavioural scoring,
including by looking at the accounts and products you already have with us and
how they are being used, such as account turnover, arrears and other indications
of financial difficulties. Where searches are carried out against publicly
available data sources and credit reference agencies, these searches may appear
on your credit report, but they will not affect your ability to get credit.
You may have a right to certain information about how we make these decisions.
You may also have a right to request human intervention and to challenge the
decision.
For some insurance products we may use automated decision making to assist the
insurer in determining your final insurance premium. The insurer will use an
automated underwriting engine to process your personal information and to better
assess insurance risk which will generally provide a more accurate price that is
relevant to your individual circumstances and needs. The automated underwriting
engine will use information including personal information that you provide as
well as other information about you held by us, the insurer and other parties.
Where the insurer is carrying out any automated decision making it will do so on
the basis that is necessary in order for the insurer to enter into the insurance
contract with you. You have the right to contest that decision, express your
point of view and ask for a human review. Where we carry out any automated
decision making for your insurance product, we will ask for your consent during
the application process to allow us to do so. You may withdraw your consent at
any time by contacting us. Further details can be found in the 'Using My
Personal Data’ booklet (1.66 MB)
USING OUR CALCULATORS, DECISION TOOLS, GUIDES AND BUDGET PLANNERS
To use our range of calculators, tools, guides and budget planners, you'll have
to give us details of your financial situation and needs. The information we ask
for will depend on what type of product or account you're interested in. By
providing any personal data you do so on the basis of your consent. You’re free
at any time to withdraw your consent but if you do you won’t be able to use
these services.
When you use a calculator, guide, decision tool or budget planner all of the
details you provide are anonymous - and once you leave we never store your
details, unless, for example, you decide to save a quote.
USING OUR VIDEO SERVICES
You can apply for some of our products and services using a video session from
your mobile device where you see and hear your Santander adviser in high quality
two-way video.
If you use our video services, both the images and the audio will be recorded
and may be used for training and monitoring purposes. We’ll use any personal
data captured about you for the performance of a contract or/with a view to
entering into a contact with you as well as for our legitimate interests for
good governance, accounting, managing and auditing our business operations, and
to monitor emails, calls, other communications in relation to your dealings with
us. Please see the monitoring of communications section for more information and
the criteria for retention periods section for more information on the criteria
we use to determine our retention periods.
You’re entitled to record your video session only for your own personal use, and
you should avoid sharing any footage with third parties or posting it on any
websites. For your own privacy and protection, please ensure that your location
doesn't include items and images that you don't wish to be recorded.
USING YOUR PERSONAL INFORMATION FOR DIRECT MARKETING
We’ll tell you if we intend to use your information for marketing purposes and
we'll give you the opportunity to opt out if you want to (unless we need a
consent to use your information for marketing purposes – if we do we’ll seek
one). If you receive marketing emails and don't want to in future, please use
the unsubscribe link within the email and we’ll remove you from future
campaigns. Ways to opt out of marketing communications that we send you via
other channels, can be found in the 'Using My Personal Data’ booklet (1.66 MB)
SURVEYS AND COMPETITIONS
We'll treat any survey or competition information you provide with the same high
standard of care as we do all other customer information, using any details
provided strictly within the terms of the competition and this Privacy Policy.
COOKIES
Cookies are small text files placed on your computer, smartphone or other device
and are commonly used on the internet. We use cookies and similar technologies
to:
* collect information that will help us understand visitors' browsing habits on
our website;
* compile statistical reports on website activity, e.g. number of visitors and
the pages they visit;
* temporarily store any information which you may enter in tools, such as
calculators or demonstrations on our website; and
* in some cases, remember information about you when you visit our site. We may
need to do this to provide some of our services e.g. if you use the 'Remember
my ID' tool when logging on to Online Banking.
We use cookies to enable us to perform our contract with you (e.g. if you apply
for a product online or are an Online Banking customer) and for our legitimate
interests (e.g. to help us improve our service). We’ll also ask your consent for
non-essential cookies. To find out more about all types of cookies and how to
control and delete them, including clearing your browsing history, you can
read our cookie policy you can read our cookie policy
CRITERIA USED TO DETERMINE RETENTION PERIODS (WHETHER OR NOT YOU BECOME A
CUSTOMER)
The following criteria are used to determine data retention periods for your
personal data:
* Retention in case of queries. We’ll retain your personal data as long as
necessary to deal with your queries (e.g. if your application is
unsuccessful) or for a sensible period in order for us to reply to your
online query and then deal with queries you raise upon receipt);
* Retention in case of claims. We’ll retain your personal data for as long as
legal claims can be brought and defended.
* Retention in accordance with legal and regulatory requirements. We’ll retain
your personal data after your account, product or service has been closed or
has otherwise come to an end based on our legal and regulatory requirements.
YOUR RIGHTS UNDER APPLICABLE DATA PROTECTION LAW
Your rights are as follows (noting that these rights don’t apply in all
circumstances):
* The right to be informed about our processing of your personal data;
* The right to have your personal data corrected if it’s inaccurate and to have
incomplete personal data completed;
* The right to object to processing of your personal data;
* The right to restrict processing of your personal data;
* The right to have your personal data erased (the “right to be forgotten”);
* The right to request access to your personal data and information about how
we process it;
* The right to move, copy or transfer your personal data (“data portability”);
and
* Rights in relation to automated decision making including profiling.
You have the right to complain to the Information Commissioner’s Office. It has
enforcement powers and can investigate compliance with data protection law:
ico.org.uk.
For more details on all the above you can contact our DPO, view the ‘Using My
Personal Data’ booklet’ (1.66 MB) or ask for a copy in branch.
Find your nearest branch or contact us
DATA ANONYMISATION AND AGGREGATION
Your personal data may be converted into statistical or aggregated data, which
can’t be used to identify you. We may share and sell such anonymised data
including in an aggregated format, within and outside of the Santander group of
companies, for statistical analysis, research and other business purposes. For
example, sharing information about general spending trends in the UK to assist
in research. The law says this is not considered to be personal information
after it has been anonymised and/or aggregated.
GROUP COMPANIES
For more information on the Santander group companies, please see the ‘Using My
Personal Data’ booklet (1.66 MB)
CHANGES TO THIS PRIVACY POLICY
We’ll notify you if there are any material changes to this Privacy Policy if
required by applicable law or where we intend to process your personal data for
a new purpose before we start that new processing activity.
LEGAL STATEMENT ABOUT THIS PRIVACY POLICY
This Privacy Policy is not designed to form a legally binding contract between
Santander and users of our website or online services.
LINKS TO OTHER WEBSITES
Certain hypertext links in this website may lead you to websites which are not
under the control of Santander UK plc. When you activate these, you may leave
the santander.co.uk website. These links are provided solely for your
convenience and do not represent any endorsement or recommendation by Santander
UK plc.
We accept no responsibility or liability for the contents of any website to
which a hypertext link exists and gives no representation or warranty as to the
information on such websites. We accept no responsibility or liability for any
loss arising from any contract entered into with any website to which a
hypertext link exists.
No liability for unavailability
We accept no liability for any loss that may arise if the goods or services
advertised within this website become unavailable.
CONTACTING US ABOUT OUR PRIVACY POLICY
Contact us, or write to our DPO at 201 Grafton Gate East, Milton Keynes, MK9 1AN
if you have any questions.
CUSTOMER RESPONSIBILITY
It is your responsibility to ensure that your computer is virus protected. We
accept no responsibility for any loss you may suffer as a result of accessing
and downloading information from this site.
EASY WAYS TO PROTECT YOURSELF FROM DANGER
There are some things you can do to protect your personal information online.
It's by no means exhaustive but will help make sure you don't fall foul of
Internet fraud:
1. Never share a One Time Passcode (OTP) with another person, not even a
Santander employee.
2. Do not log on using a public computer.
3. Always access Online Banking by typing https://www.santander.co.uk into your
web browser and logging on via our website.
4. Never enter your Online Banking details after clicking on a link in an email
or text message.
5. Do not send confidential information by email as it’s not secure and there
is always a risk it could be intercepted.
6. If you’re logged into any online service, do not leave your computer
unattended. Close down your internet browser once you’ve logged off.
7. Never download software or let anyone log on to your computer or devices
remotely, during or after a cold call.
For more information about staying safe online you can visit Fraud & Security
SECURE ONLINE SERVICES
You can easily identify secure websites by looking at the address in the top of
your browser which will begin https:// rather than http://.
All information passed between you and Santander when using our online services
is sent using secure industry standard encryption.
Take a look at our Cookie policy
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