Website Privacy Notice | M&S Bank

Website privacy notice

Your privacy

Your privacy is important to us. This notice (Privacy Notice) applies to personal information we collect from you when you use this site. If you’re an M&S Bank customer, or otherwise have a relationship with us, we may also have provided you with a separate Privacy Notice setting out how we use your personal information, which will also apply. You can also find that Privacy Notice by visiting the website for the product or services we provide you (for example, www.marksandspencer.com/bank) or by contacting our Customer Services team.

Some of the links on this website may lead to M&S Bank or non-M&S Bank websites with their own privacy notices, which may be different to this notice, and you should read those notices carefully.

For the purposes of this Privacy Notice, the data controller is Marks & Spencer Financial Services plc with its address at Kings Meadow, Chester, CH99 9FB, UK. We’ve also set out contact details towards the end of this notice.

Information we may collect from you

We may collect and process the following information about you:

  • Information that you provide to us, for example when you fill out a contact or web form, or if you register to receive alerts or updates
  • Information that we obtain or learn, such as information about the browser or device you use to access this site, how you use this site and the pages you visit, traffic and location data

We may also ask you for information if you experience problems when using this site. We may also ask you to complete surveys for research purposes, although you don’t have to respond to these.

If we have an existing relationship with you, and we are able to identify you from information obtained or provided by your use of the site, we may associate those sets of information, for example to enable us to respond to a query you have submitted.

How we use your information

We’ll only use your information where we have your consent or we have another lawful reason for using it. Unless we say otherwise below, we’ll use your personal information on the basis that it’s within our legitimate interests in operating and maintaining the site, and providing you with site functionality and related services. We use information provided or obtained via this site to:

  • respond to your queries and feedback (for example, if you’ve asked a question or submitted feedback via the site)
  • provide you with information, products or services you have requested or which we feel may interest you, unless you tell us otherwise
  • carry out our obligations from any contracts entered into between you and us
  • allow you to participate in any interactive features of the site
  • notify you about changes to the site
  • provide you with alerts or updates where you’ve consented to receive these by registering on the site
  • ensure site content is presented in the most effective manner for the device you’re accessing it from
  • undertake data analytics to learn more about how you and others interact with this site and with our advertising
  • detect and prevent misuse or abuse of this site or our services

We also use information to meet our compliance obligations, to comply with other laws and regulations and to share with regulators and other authorities that HSBC Group companies are subject to. This may include using it to help detect or prevent crime (including terrorism financing, money laundering and other financial crimes). We’ll only do this on the basis that it’s needed to comply with a legal obligation, it’s in our legitimate interests and that of others or to prevent or detect unlawful acts.

Who we’ll share your information with

We may share your information in order to provide you with products or services you’ve requested (for example, if they’re not provided by M&S Bank), if we have a legitimate interest in doing so (for example, to manage risk, verify your identity, to combat fraud, abuse of our site or services), or where you’ve agreed to us doing so.

We may share your information with others including other HSBC group companies and any of our service providers, anyone else whose products and services you’ve requested, anyone who we’re under an obligation to disclose information to or where it’s in the public interest, (for example to prevent or detect fraud, abuse of our site or services).

IP addresses

We may collect information about your computer (or mobile device), including where available your IP address, operating system and browser type, for system administration or for our own commercial purposes. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.

Cookies

We use cookies and similar technologies to distinguish you from other users of this site, to improve your experience when accessing this site, and to improve the site. Detailed information on the cookies we use and the purposes for which we use them are set out in our Cookie Policy.

How long we’ll keep your information

We keep information in line with our data retention policy. For example, if you’re a customer, we’ll normally keep core banking data for seven years from the end of our relationship. We retain information to comply with legal or regulatory requirements or for our legitimate purposes, such as responding to enquiries, and may sometimes need to keep it for a longer period; if we don’t need to retain it for as long, we may delete, destroy or anonymise it sooner. This enables us to comply with legal and regulatory requirements or use it where we need to for our legitimate purposes such as dealing with any enquiries.

We may need to retain your information for a longer period where we need the information to comply with regulatory or legal requirements or where we may need it for our legitimate purposes, e.g. to help us respond to queries or complaints, fighting fraud and financial crime, responding to requests from regulators, etc. If we don’t need to retain information for this period of time, we may destroy, delete or anonymise it more promptly.

Transferring your information overseas

Your information may be transferred to and stored in locations outside the European Economic Area (EEA), including countries that may not have the same level of protection for personal information. When we do this, we’ll ensure it has an appropriate level of protection and that the transfer is lawful.

You can obtain more details of the protection given to your information when it’s transferred outside the EEA by contacting us using the details in the ‘More details about your information’ section below.

Your rights

You have a number of rights in relation to the information that we hold about you. These rights include:

  • the right to access information we hold about you and to obtain information about how we process it;
  • in some circumstances, the right to withdraw your consent to our processing of your information, which you can do at any time. We may continue to process your information if we have another legitimate reason for doing so;
  • in some circumstances, the right to receive certain information you have provided to us in an electronic format and/or request that we transmit it to a third party;
  • the right to request that we rectify your information if it's inaccurate or incomplete;
  • in some circumstances, the right to request that we erase your information. We may continue to retain your information if we’re entitled or required to retain it; and,
  • the right to object to, and to request that we restrict, our processing of your information in some circumstances. Again, there may be situations where you object to, or ask us to restrict, our processing of your information but we’re entitled to continue processing your information and/or to refuse that request.

You can exercise your rights by contacting us using the details set out in the 'More details about your information’ section below. You also have a right to complain to the UK Information Commissioner’s Office by visiting www.ico.org.uk(opens in a new window), or to the data protection regulator in the country where you live or work.

How we keep your information secure

We use a range of measures to keep your information safe and secure which may include encryption and other forms of security. We require our staff and any third parties who carry out any work on our behalf to comply with appropriate compliance standards including obligations to protect any information and applying appropriate measures for the use and transfer of information.

More details about your information

If you’d like further information on anything we’ve said in this Privacy Notice, contact us at M&S Bank, PO Box 10565, 51 Saffron Road, Wigston, LE18 9FT or using the contact details set out at the beginning of this Privacy Notice. This Privacy Notice may be updated from time to time, and you’ll always be able to find the most recent version on this site.