Privacy

We are TSB Bank, 8 Bishopsgate, London, EC2N 4BQ

We want you to have trust and confidence in the way we deal with your information.

The UK is a world leader in data protection and privacy. To comply with UK laws, we manage your personal information fairly, lawfully and transparently. This means you’ll know how we use your information and we’ll tell you about your rights. You can then decide whether you want to give us your information so that we can provide the product or service you need.

Some of the information we receive is known as ‘special category data’ or ‘criminal offence data’ and it’s considered more sensitive than some other personal data.  This is personal data: revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership; genetic data; biometric data (where used for identification purposes); data concerning health; data concerning a person’s sex life; and data concerning a person’s sexual orientation or criminal offence data.  When processing this type of information extra care is needed and this is explained in our ‘Appropriate Policy Document’ which is available here.

All our employees are responsible for maintaining customer confidentiality. We provide training and education to all employees and we regularly review our policies and procedures. Our aim is to make sure that you have confidence in TSB and feel comfortable about giving us your information. We think that safely looking after your information and processing it fairly is a key part of our relationship.

We have a dedicated team that looks after data privacy rights. We also have a Data Protection Officer (‘DPO’) to guide the business and oversee our use of your information.

The Data Rights Team
Ingenuity House
Elmdon Trading Estate
Bickenhill Lane
Birmingham
B37 7HQ

You can also contact our team by emailing
privacy@tsb.co.uk

Data Protection Officer
The Data Protection Officer
TSB Bank
8 Bishopsgate
London
EC2N 4BQ

Providing our products and services.

When you apply for a product or service, and throughout our relationship, you’ll provide personal information to us. We’ll also collect certain information about you from others, including people who may be acting on your behalf. We will gather and process the type and amount of personal information that is relevant and required.

We use this personal information to do all of the things you expect from us and to meet our obligations to you under our Terms and Conditions.

This includes:

• checking your identity and confirming that it is you 
• managing your relationship with us 
• providing you with products and services 
• checking your credit reference and that you can afford products and services 
• recording money in and out of your accounts 
• telling you about important changes or developments to the features and operation of these products and services 
• updating, consolidating and improving the accuracy of our records 
• crime detection, prevention and prosecution 
• carrying out financial reviews 
• responding to your enquiries and complaints 
• administering offers, competitions and promotions 
• arrears and debt recovery activities 
• reporting to regulators 
• testing systems and processes

We won’t be able to open or maintain a product or service if you fail to provide certain information.

Occasionally TSB receives names and addresses (including email addresses) of non-customers who it’s thought may be interested in our products and services.

In these circumstances, where we have your consent, we’ll let you know by email or post of the products or services we believe may be of interest. If we don’t already have your consent, we’ll tell you about our products and services by post in accordance with our legitimate interests to promote our business. You have the right to opt out of this marketing at any time, by following a link on the email or by contacting our Data Rights Team.

Providing products with other service providers.

As well as our core banking services, TSB combines with others to provide additional services. We do this where we believe it’s in your interests and ours, or where it’s necessary to deliver the service you’ve asked for. This involves passing some of your personal information to TSB business partners who help provide these products. We only pass the minimum information needed to these TSB business partners and we always make sure that your information remains protected as required under UK law, including laws regulating the sending of marketing messages to you.

Where you apply for a product or service that’s delivered with a business partner, we’ll collect your personal information and use it to process your application and provide these services in the ways described as follows:

TSB’s Added Value Accounts (TSB AVAs)

TSB’s Added Value Accounts give customers a range of products and benefits, depending on the accounts you hold and the products and benefits you choose.

These products are provided by our business partners. They’ll be made known to you when you select the relevant product.

To help you benefit from these products, TSB must pass the information you give us to the business partner providing the service. For example, if you take out mobile phone insurance, details of your handset may be passed to the business partner providing the insurance.

These business partners are separate data controllers. They’ll tell you about any information they hold that relates to you, what they do with it and why. They’ll also give you their contact details and tell you about your privacy rights.

TSB will work with these business partners to give you the best possible service. This involves some information continuing to pass between them and TSB. They’ll let us know when you make use of the product or service. If you tell either TSB or the business partner that your contact details have changed, they’ll let each other know to keep records up-to-date.

It’s a good idea to make sure you give both TSB and the relevant partner your up-to-date contact details. They’ll also pass to TSB high level information about the take-up of the products by TSB customers and benefits provided or claimed. But they won’t provide details of individual customers. Where there is a dispute, they’ll pass information to TSB to help us deal with the dispute.

We use your information so we can deliver the banking service that Britain wants in the 21st century. This includes using your information so we can:

Determine your eligibility.

Like all banks, when you apply for products or services, we use automated processes to carry out financial reviews and make faster decisions (for example determining your eligibility for an account or loan). But we want to make sure this works for you and us.

We’ll use automated processes to help decide whether you’re eligible for a particular product, the appropriate amount of credit that we should provide, and to carry out credit and fraud prevention checks. Due to the sheer amount of information involved and the volume of applications, routine human involvement is impractical or impossible. So to allow us to provide banking services, we need to do this work in an automated way. Some fraud checks that we carry out are necessary to meet our legal obligations.

Based on the information you provide us, we’ll compare this against different metrics to determine whether you meet the eligibility criteria for an account. Or to determine whether you’ll be able to make repayments on a product.

We work hard to make sure we make the right decision. Sometimes this means saying no to offering you an account or product. In making these decisions, we’ll pass information to, and receive information from, Credit Reference Agencies.

If we make an automated decision on something important to you, we’ll always allow you to contest the decision, give your views and make sure there’s proper human involvement. If you want to exercise this right, please contact our Data Rights Team using the contact details in section 1. Where possible you should provide any additional relevant information you’d like us to consider. The logic and outcomes of this decision-making are tested regularly to make sure they’re fair, effective and unbiased.

Improve our performance.

We’ll use your information to make sure we give you and other customers the best possible service. This includes testing new systems, checking upgrades to existing systems, checking processes, training, undertaking transactional analysis, conducting audits and assessing lending and insurance risks. It also involves customer modelling, statistical and trend analysis aimed at developing and improving products and services, as well as providing information to Regulators. We do this to meet our legitimate interests in providing better services to our customers and making sure your information is appropriately protected.

To undertake consumer experience research, we may pass your contact details to our trusted third-party market research companies, who may contact you on our behalf to conduct surveys and provide us with the results of your customer experience. We will use this information to develop products, services and process improvements. You will be given the opportunity to opt-out of these.

Improve security and combat fraud.

We use biometric data analysis to combat fraudsters. When you use a debit or credit card to purchase goods or services online we will ask you to enter your email address, as well as a one-time password sent to your phone at the point of payment. Although we won’t store or check your email we will use biometric data analysis to assess the unique way you type your email and the one-time password as part of our identity verification. So should anyone else try to use your credit card or debit card to make an online purchase, we’ll be alerted to it because of the way they enter your details. We also analyse how you use the App to keep your accounts safe. The lawful basis for this is the substantial public interest of combatting fraud.

Send Direct Marketing and Promotional Material.

We take great care to make sure that information you receive from TSB Bank is likely to be of interest to you. We do this by comparing our range of products and services with what we know about your needs and interests. We may ‘profile’ TSB customers to allow us to identify relevant opportunities to promote TSB services to individual customers or prospective customers. This may include reviewing historic and current data about which account or services you hold, the way you operate your accounts, your account balances and the transactions on your TSB accounts. This could include analysis of individual payments in and out of your accounts.

The profiling we carry out will aim to ensure the marketing of our products and services is likely to be of interest to you. We’ll do this through TSB channels, such as our branches, websites, mobile apps, telephone service; or through non-TSB channels, such as social media, websites, radio or TV advertising.

The lawful basis for the profiling we do, and any tailored marketing through these channels, is our legitimate interests. This means we have a legitimate interest in carrying out these activities in order to promote our business and to help ensure that our customers only receive useful information which is likely to be of interest to them. You can object to this by contacting our Data Rights Team. This means you’ll see more general marketing, and the pages and ads may be less relevant to you; the number of advertisements will generally remain the same.

We value our relationship, so we do our best to only send you information we think may be of interest to you personally. You decide if you want to receive direct marketing from us, whether by post, email, phone or text message. We’ll only send direct marketing to TSB customers in this way if you’ve consented to receive it. And don’t worry, you can withdraw your consent at any time. Simply contact our Data Rights Team, click ‘unsubscribe’ in any marketing email we send you, or follow the instructions in our marketing text messages.

Make the most of social media.

If you interact with TSB through social media we may use your information to help us communicate.

To deliver the best customer experience, we partner with software providers that allow us to connect with you via online communities and blogs. These partners manage personal information only in accordance with our instructions. TSB can also require these partners to delete your information, or return it securely to TSB, at the end of our contract with them.

Do what you ask us to do.

If you request particular services from us, or ask a question, we’ll use your personal information to respond. This is to make sure we can provide the best possible service.

Comply with legal obligations.

This might include providing information to HMRC, preventing fraud, money laundering and doing what our Regulators require. We only do this where strictly necessary to comply with these legal obligations.

Delivering better banking.

This includes using personal information to make sure we:

• manage and develop customer relations
• assess the suitability of existing and proposed products for our customers
• pass information to Credit Reference Agencies (as described below)
• conduct internal or external reviews of our performance and quality
• instruct our internal or external legal teams
• detect and prevent fraud and liaise with police and other anti-fraud agencies
• engage with and interact on social media
• make sure we manage TSB as effectively and efficiently as possible

We use your personal information in this way as it’s in our business interests. It also allows us to defend our rights, provide a better service to our customers and understand what our customers want from us. Whenever we use your personal information, we’ll always make sure we work to protect your interests and rights. We won’t use your personal information for any purpose incompatible with those set out above. We’ll keep your data appropriately secure, and let you know if we use it for a new purpose.

Occasionally we’ll ask for your specific consent to use your personal information. This might be when we want to record sensitive information, such as details about your health or ethnicity. Asking for your consent gives you control over how this information is used. You can withdraw this consent at any time.

We treat your personal information as private and confidential. In some instances we may disclose it outside TSB for the purposes set out above (including sharing information with partners who help us provide services). This may include sharing it with subcontractors. They’ll act solely on our instructions or behalf and will only use your information securely and confidentially for the purposes set out above.

We’ll disclose information to others to meet our contractual obligations to you in accordance with the Terms and Conditions, including where:

• your information relates to a joint account, where the other account holder(s) may be entitled to see your transactions
• it’s needed by other parties connected with your account (including guarantors)
• we need to share information with other lenders who also hold a charge on your property.

We’ll also disclose information where strictly necessary to comply with our legal obligations, including where:

• HMRC or other authorities require it
• the law, a regulatory body or the public interest requires it
• it’s required as part of our duty to protect your accounts. For example we are required to disclose your information to the UK Financial Services Compensation Service (FSCS)
• it’s required by us or others to detect, investigate or prevent crime or fraud.

Information can also be made available where you consent or ask us to. If you give your consent, you can withdraw it at any time and we’ll stop disclosing the information in that way.

Credit Reference Agencies.

In order to process your application for a product or service, we’ll perform credit and identity checks on you with one or more credit reference agencies (‘CRAs’). If you use our banking services we may also make periodic searches at CRAs to help manage your account.

To do this, we’ll supply your personal information to CRAs and they’ll give us information about you. This will include information from your credit application and about your financial situation and history. CRAs will supply us with public data (including the electoral register) as well as shared credit, financial situation, financial history and fraud prevention information.

We’ll use this information to:

• assess your creditworthiness and whether you can afford to take out a product
• verify the accuracy of the data you’ve provided
• prevent criminal activity, fraud and money laundering
• manage your account(s)
• trace and recover debts
• make sure any offers provided to you are appropriate to your circumstances

We’ll continue to exchange information about you with CRAs while you have a relationship with us. We’ll also inform them 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’ll place a search footprint on your credit file that may be seen by other lenders.

If you’re making a joint application or tell us that you have a spouse or financial associate, we’ll link your records together. So make sure you discuss and share this information with them before sending the application. CRAs will also link your records together. These links will remain on both your files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

The identities of CRAs, their role as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with CRAs are explained in detail at www.experian.co.uk/crain(opens in a new tab) CRAIN is also accessible from each of the CRAs that TSB uses — visiting any of these links will take you to the same CRAIN document:

TransUnion www.transunion.co.uk/crain(opens in a new tab)
Equifax www.equifax.co.uk/crain(opens in a new tab)
Experian www.experian.co.uk/crain(opens in a new tab)

Fraud Prevention Agencies.

To make sure we help in the international fight against terrorism, money laundering, modern slavery and other criminal activities, the government requires us to screen applications made to us. As a result, we will disclose information to fraud prevention agencies and to government bodies. If we think there is a risk of fraud, we may block access or stop activity on an account.

We will study patterns of activity, check for unusual transactions and monitor devices used to access TSB’s systems, including Internet Protocol (IP) addresses and this may include using widely available geographical mobile phone or other technology to assess the location where you or any devices may be located.

Data-sharing with our parent company

TSB Bank plc is owned by Banco de Sabadell.  In order for Banco de Sabadell and/or TSB to comply with  legal obligation(s) to report to European capital risk supervisory regulators and/or UK regulators or because it is in our legitimate interests to do so, we will share personal data with Banco de Sabadell in their capacity as a data controller or processor, for that purpose. The data shared will be within the EEA* and is therefore  protected to a similar standard to when it is in the UK.

You have the same rights with regards to Banco de Sabadell’s processing as you do when TSB is processing/using your personal data and these rights are explained in section 7 below. Should you wish to exercise rights in relation to our parent company’s processing, please contact Banco de Sabadell’s dedicated data rights team at: Derechos PD, a través de su domicilio, Alicante (03007), Avda. Óscar Esplá nº 37, 03007, Alicante, Spain or by email: ejercicioderechosprotecdatos@bancsabadell.com.

The personal data shared will generally be held for up to six years depending on the reporting required. For example, where the data is used to identify if customers have more than one holding across the Group to meet regulatory requirements or enable reporting to the EU and UK regulators, non-matched data will be retained by Banco de Sabadell for three months and matched data for six years.

If you have a problem with accessing your information or you are concerned about the way Banco de Sabadell has handled your information then, in addition to complaining to the ICO, you can also complain to the Spanish data protection regulator: Agencia Española de Protección de Datos (“AEPD”): www.aepd.es(opens in a new tab).

Further information about Banco de Sabadell’s processing can be found in their general customer information notice(opens in a new tab). 

And their Data Privacy Notice which is available here: DPN(opens in a new tab)

* Countries that belong to the EEA: Austria, Belgium, Bulgaria, Czech Republic, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

General

Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. These checks require us to process personal data about you.

The personal data you have provided, we have collected from you, or we have received from third parties will be used to prevent fraud and money laundering, and to verify your identity.

Details of the personal information that will be processed include, for example: name, address, date of birth, contact details, financial information, employment details, device identifiers including IP address and vehicle details.

We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.

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 to comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested.

Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.

Consequences of processing

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 to employ you, 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.

Data transfers

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.

The UK and other EEA countries(opens in a new tab) provide a high standard of data protection and privacy. However we may run your accounts and provide other services from centres outside the UK and EEA that do not have a similar standard of data protection laws. If so, we’ll require your personal information to be protected to at least UK standards. So we only transfer personal information to:

• countries that have been confirmed as protecting personal information to UK and EU standards
• companies in the USA certified as providing an adequate level of protection.

In other instances, we’ll put contractual commitments in place which make sure personal information is protected to UK and EU standards.

If you want to learn more about the specific countries to which we transfer personal data, or need a copy of the safeguards we have in place for particular countries, contact the Data Rights Team.

We may process payments through other financial institutions, such as banks and the worldwide payments system operated by the SWIFT organisation. For instance, this can happen if you make a CHAPS or foreign payment. These external organisations may process and store your personal information abroad and may have to disclose it to foreign authorities to help them in their fight against crime and terrorism. If these are based outside the UK and EEA, your personal information may not be protected to standards similar to those in the UK. However we’ll take steps, including using contractual commitments, to make sure that an adequate level of protection is provided.

We’ll keep your information for as long as your account or product application takes. And for as long as you have accounts or products with us. We’ll also keep your personal information for a certain period after your application has ended or you’ve closed your accounts.

When determining how long this period will last, we take into account our legal obligations, the expectations of financial and data protection regulators, and the amount of time we may strictly need to hold your personal information to carry on our business or defend our rights. For example, if you have an account with TSB, we’ll keep your information and account details while the account is open. To meet our legal and regulatory requirements, we must keep much of this information for a number of years after the account is closed — even if you do not have another account with us.

We’ll also need to keep your information in archived form in order to defend our legal rights. This may be for the period during which legal claims can be made under applicable law. In the UK this is six years for contractual claims. We have policies and procedures in place to make sure that we delete information no longer needed for any of these purposes.

If we are not able to completely delete, destroy or anonymise your personal information within these times because, for example, there are inter-dependencies between IT systems, we will limit access to your personal information or put it beyond use wherever possible.

You have certain rights over your personal information. These include the right to access a copy of your personal information we hold, or have some elements of it transmitted to you or another company in a common electronic format. In certain circumstances you can have your personal information corrected or erased, or you can restrict our use of it. You also have, under certain conditions, the right to object to the way we use your personal information.

We generally won’t charge you to exercise these rights. When you send a request to exercise your right(s), we will assess your request against the requirements set out in data privacy law.  Not all of these rights are absolute, so we need to look at your request against our obligation to fulfil our legal obligations, or where there are some exemptions within the Law that may mean that certain personal data is not available to you, for example, in certain instances where we have had to share data with law enforcement and fraud prevention agencies if there has been an investigation. Once we have reviewed your request we’ll let you know our reasons for agreeing or not agreeing.

You have the following rights:

Right of Access

What is a right of access?

You have a right to access the personal data that we hold on you. You can request all of the information we hold, or certain elements if you want something specific. Once we have verified your identity we will provide you with this information within one month. You can also obtain a copy of our Data Privacy Notice which sets out:

• why we have it
• what type of information we hold on you
• whether we have or will send it to others, especially outside the European Economic Area (list of EEA countries(opens in a new tab))
• how long we will keep it
• where we got it from
• details of any automated decision-making

Some of the information listed above is set out in our Data Privacy Notice, which can be found here.

How do I request a right of access?

• Online

​Submit the right to access form, which can be found here(opens in a new tab).​

We use Adobe Sign for this kind of request. Adobe will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice(opens in a new tab).

• By post​

Write to: TSB Bank plc, Data Rights Team, Ingenuity House, Elmdon Trading Estate, Bickenhill Lane, Birmingham, B37 7HQ

• In branch

Find your branch(opens in a new tab)

• By phone​

Give us a call on 0345 975 8758

If you want, you can print this form(opens in a new tab) and once completed, you can scan and email it to us at privacy@tsb.co.uk or post it to the address given above.​​

Right to Rectification

What is the right to rectification?

In certain circumstances, you have the right to ask us to correct information about you. For example, if you feel it’s inaccurate or incomplete (or both).

How do I request a right to rectification?​​

• By post​

Write to: TSB Bank plc, Data Rights Team, Ingenuity House, Elmdon Trading Estate, Bickenhill Lane, Birmingham, B37 7HQ

• In branch

Find your branch(opens in a new tab)

• By phone​

Give us a call on 0345 975 8758

Right to object

What is the right to object?

Depending on the legal basis for which we are using your information, you may be entitled to object. For example, where we’re using your information connected with marketing activities, we will stop if you object. However, if we’re using your information to meet certain legal obligations, we may continue to do so even if you object.  We’ll review your request and let you know our reasons for agreeing or not agreeing.

How do I request a right to object?

• By post​

Write to: TSB Bank plc, Data Rights Team, Ingenuity House, Elmdon Trading Estate, Bickenhill Lane, Birmingham, B37 7HQ

• In branch

Find your branch(opens in a new tab)

• By phone​

Give us a call on 0345 975 8758

Right to Erasure

What is the right to erasure?

In certain circumstances, you may have a right to have some or all the information we hold about you deleted. However, you should be aware that, as a bank, we are required to retain many records even after you close your account.  We’ll review your request and let you know our reasons for agreeing or not agreeing. Please see the How long we will keep your information, section above for further information.

How do I request a right to erasure?

• By post​

Write to: TSB Bank plc, Data Rights Team, Ingenuity House, Elmdon Trading Estate, Bickenhill Lane, Birmingham, B37 7HQ

• In branch

Find your branch(opens in a new tab)

• By phone​

Give us a call on 0345 975 8758

Right to Portability

What is the right to portability?

In certain circumstances you would be entitled to receive some of your information from us electronically. We can either pass the information to you, or to another person or business if you want.

How do I request a right to portability?

• By post​

Write to: TSB Bank plc, Data Rights Team, Ingenuity House, Elmdon Trading Estate, Bickenhill Lane, Birmingham, B37 7HQ

• In branch

Find your branch(opens in a new tab)

• By phone​

Give us a call on 0345 975 8758

Right to Restriction

What is the right to restriction?

You might also be entitled to ask us to restrict our use of your information — for example if you think the information we hold on you is incorrect.

How do I request a right to restriction?

• By post​

Write to: TSB Bank plc, Data Rights Team, Ingenuity House, Elmdon Trading Estate, Bickenhill Lane, Birmingham, B37 7HQ

• In branch

Find your branch(opens in a new tab)

• By phone​

Give us a call on 0345 975 8758

The right to human intervention

What is the right to human intervention?

In certain circumstances, you have the right to request for an automated decision to be reviewed.

This right only applies to fully automated decisions, so it won't be applicable if there has already been input from someone as part of the decision-making process.  We’ll review your request and let you know our reasons for agreeing or not agreeing.

How do I request a right to human intervention?

• By post​

Write to: TSB Bank plc, Data Rights Team, Ingenuity House, Elmdon Trading Estate, Bickenhill Lane, Birmingham, B37 7HQ

• In branch

Find your branch(opens in a new tab)

• By phone​

Give us a call on 0345 975 8758

The right to withdrawal consent

What is the right to withdrawal consent?

If you have provided consent to us using your information, in certain circumstances, you have the right to withdraw that consent for us to process your data at any time.

We’ll review your request and let you know our reasons for agreeing or not agreeing.

How do I request my right to withdrawal consent?

• By post​

Write to: TSB Bank plc, Data Rights Team, Ingenuity House, Elmdon Trading Estate, Bickenhill Lane, Birmingham, B37 7HQ

• In branch

Find your branch(opens in a new tab)

• By phone​

Give us a call on 0345 975 8758

We aim to work with you on any request, complaint or question you have about your personal information. However, if you believe we have not adequately resolved a matter, you have the right to complain to the Information Commissioner’s Officer (the ‘ICO’). In the event that we identify instances of non-compliance by the Bank we will notify the ICO directly where required. You have a right, at any time, to complain to the ICO. As an independent UK authority, it upholds information rights in the public interest, promotes openness by public bodies and data privacy for individuals. You can visit their website at www.ico.org.uk(opens in a new tab) for further information.

Appropriate Policy Document explaining our use of special category and criminal offences data is set out as follows.

Appendix

Our Appropriate Policy Document explaining our use of special category and criminal offences data is set out as follows.

Special Category Data

Appropriate Policy Document

Processing of special categories of personal data and criminal offence data 

As part of TSB’s functions, we process special category data and criminal offence data in accordance with the requirements of Article 9 and 10 of the General Data Protection Regulation (‘GDPR’) and Schedule 1 of the Data Protection Act 2018 (‘DPA 2018’). 

Special category data 

Special category data is defined at Article 9 GDPR as personal data revealing: 

• Racial or ethnic origin; 

• Political opinions; 

• Religious or philosophical beliefs; 

• Trade union membership; 

• Genetic data; 

• Biometric data for the purpose of uniquely identifying a natural person; 

• Data concerning health; or 

• Data concerning a natural person’s sex life or sexual orientation. 

Criminal offence data 

Article 10 GDPR covers processing in relation to criminal convictions and offences or related security measures. In addition, section 11(2) of the DPA 2018 specifically confirms that this includes personal data relating to the alleged commission of offences or proceedings for an offence committed or alleged to have been committed, including sentencing. This is collectively referred to as ‘criminal offence data’. For the avoidance of doubt criminal offence data is not in itself special category data. 

This policy document 

Some of the Schedule 1 conditions for processing special category and criminal offence data require us to have an Appropriate Policy Document (‘APD’) in place, setting out and explaining our procedures for securing compliance with the principles in Article 5 and policies regarding the retention and erasure of such personal data. 

This document explains our processing and satisfies the requirements of Schedule 1, Part 4 of the DPA 2018. 

In addition it provides some further information about our processing of special category and criminal offence data where a policy document isn’t a specific requirement. The information supplements our privacy notice and staff privacy notice.  

Conditions for processing special category and criminal offence data 

We process special categories of personal data under the following GDPR Articles: 

i. Article 9(2)(a) – explicit consent 

In circumstances where we seek consent, we make sure that the consent is unambiguous and for one or more specified purposes, is given by an affirmative action and is recorded as the condition for processing. 

Examples of our processing include staff dietary requirements and health information we receive from our customers who require a reasonable adjustment to access our services. 

ii. Article 9(2)(b) – where processing is necessary for the purposes of performing or exercising obligations or rights which are imposed or conferred by law on TSB or the data subject in connection with employment, social security or social protection. 

Examples of our processing include staff sickness absences and checking if individuals are entitled to work in the UK. 

iii. Article 9(2)(c) – where processing is necessary to protect the vital interests of the data subject or of another natural person where the data subject is physically or legally incapable of giving consent. 

Examples of our processing include where an individual needs emergency medical services but is unconscious or otherwise incapable of giving consent.  

iv. Article 9(2)(f) – if processing is necessary for the establishment, exercise or defence of legal claims or whenever courts are acting in their judicial capacity. 

Examples of our processing include processing relating to litigation in relation to collection and recoveries. 

Article 9(2)(g) – for reasons of substantial public interest. 

Examples of our processing include the information we seek or receive as part of investigating fraud. 

We process criminal offence data under Article 10 of the GDPR. 

Examples of our processing of criminal offence data include pre-employment checks and declarations by an employee in line with contractual obligations. 

Processing which requires an Appropriate Policy Document 

Almost all of the substantial public interest conditions in Schedule 1 Part 2 of the DPA 2018, plus the condition for processing employment, social security and social protection data, require an Appropriate Policy Document (see Schedule 1 paragraphs 1 and 5). 

This section of the policy is the Appropriate Policy Document for TSB. It demonstrates that the processing of special category and criminal offence (‘CO’) data based on these specific Schedule 1 conditions is compliant with the requirements of the GDPR Article 5 principles. In particular, it outlines our retention policies with respect to this data. 

Description of data processed 

We process the special category data about our employees that is necessary to fulfil our obligations as an employer. This includes information about their health and wellbeing, ethnicity, photographs and their membership of any trade union. Further information about this processing can be found in our staff privacy notice. 

Our processing for reasons of substantial public interest relates to the public good, or what is in the best interests of society. This includes ensuring equality or preventing fraud. Further information about this processing can be found in our privacy notice.   

We also maintain a record of our processing activities in accordance with Article 30 of the GDPR. 

Schedule 1 conditions for processing 

We process Special Category Data for the following purposes in Part 1 of Schedule 1: 

Paragraph 1(1) employment, social security and social protection. 

We process special category data for the following purposes in Part 2 of Schedule 1. All processing is for the first listed purpose and might also be for others dependent on the context: 

• Paragraph 8(1) equality of opportunity or treatment 
• Paragraph 9(1) racial and ethnic diversity at senior levels 
• Paragraph 10(1) preventing or detecting unlawful acts 
• Paragraph 11(1) and (2) protecting the public against dishonesty 
• Paragraph 12(1) and (2) regulatory requirements relating to unlawful acts and dishonesty 
• Paragraph 14(1) and (2) preventing Fraud 
• Paragraph 15(a) and (b) suspicion of terrorist financing or money laundering 
• Paragraphs 18(1) to (4) safeguarding children and individuals at risk 
• Paragraph 19(1), (2) and (3) safeguarding of economic well-being of certain individuals 
• Paragraphs 20(1) to (7) insurance 
• Paragraphs 21(1) to (4) occupational pensions 
• Paragraph 24(1) and (2) disclosure to elected representatives 

Criminal offence data 

We process criminal offence data for the following purposes in parts 1 and 2 of Schedule 1: 

Paragraph 1 – employment, social security and social protection 

Procedures for ensuring compliance with the principles 

Accountability principle 

We have put in place appropriate technical and organisational measures to meet the requirements of accountability. These include: 

• The appointment of a Data Protection Officer who reports directly to our highest management level; 
• Taking a ‘data protection by design and default’ approach to our activities; 
• Maintaining documentation of our processing activities; 
• Adopting and implementing data protection policies and ensuring we have written contracts in place with our data processors; 
• Implementing appropriate security measures in relation to the personal data we process; 
• Carrying out data protection impact assessments for our high risk processing. 

We regularly review our accountability measures and update or amend them when required. 

Principle (a): lawfulness, fairness and transparency 

Processing personal data must be lawful, fair and transparent. It is only lawful if and to the extent it is based on law and either the data subject has given their consent for the processing, or the processing meets at least one of the conditions in Schedule 1. 

We provide clear and transparent information about why we process personal data including our lawful basis for processing in our privacy notice, staff privacy notice and this policy document. 

Our processing for reasons of substantial public interest relates to the public good, or what is in the best interests of society. This includes ensuring equality or preventing fraud. Further information about this processing can be found in our privacy notice.   

Our processing for the purposes of employment relates to our obligations as an employer. 

Principle (b): purpose limitation 

We process personal data for purposes of substantial public interest as explained above where it is necessary for complying with or assisting another to comply with a regulatory requirement to establish whether an unlawful or improper conduct has occurred, to protect the public from dishonesty, preventing or detecting unlawful acts or for disclosure to elected representatives. 

We may process personal data collected for any one of these purposes (whether by us or another controller), for any of the other purposes here, providing the processing is necessary and proportionate to that purpose. 

If we are sharing data with another controller, we will document that they are authorised by law to process the data for their purpose. 

We will not process personal data for purposes incompatible with the original purpose it was collected for. 

Principle (c): data minimisation 

We collect personal data necessary for the relevant purposes and ensure it is not excessive. The information we process is necessary for and proportionate to our purposes. Where personal data is provided to us or obtained by us, but is not relevant to our stated purposes, we will erase it. 

Principle (d): accuracy 

Where we become aware that personal data is inaccurate or out of date, having regard to the purpose for which it is being processed, we will take every reasonable step to ensure that data is erased or rectified without delay. If we decide not to either erase or rectify it, for example because the lawful basis we rely on to process the data means these rights don’t apply, we will document our decision. 

Principle (e): storage limitation 

All special category data processed by us for the purpose of employment or substantial public interest is, unless retained longer for archiving purposes, retained for the periods set out in our retention schedule. We determine the retention period for this data based on our legal obligations and the necessity of its retention for our business needs. Our retention schedule is reviewed regularly and updated when necessary. 

Principle (f): integrity and confidentiality (security) 

Electronic information is processed within our secure network. Hard copy information is processed in line with our security procedures. 

Our electronic systems and physical storage have appropriate access controls applied. 

The systems we use to process personal data allow us to erase or update personal data at any point in time where appropriate. 

Retention and erasure policies 

Our retention and erasure practices are set out in our retention schedule. 

Appropriate Policy Document review date 

This policy will be retained for the duration of our processing and for a minimum of 6 months after processing ceases. 

This policy will be reviewed annually or revised more frequently if necessary. 

Additional special category processing 

We process special category personal data in other instances where it is not a requirement to keep an appropriate policy document. Our processing of such data respects the rights and interests of the data subjects. We provide clear and transparent information about why we process personal data including our lawful basis for processing in our privacy notice and staff privacy notice.