My Personal Data

"Your Group" means the Trust I.P. Bank Group, which includes you and a number of other companies using brands including Trust I.P. Bank, and their associated companies at

For these purposes "associated companies" includes Trust I.P. Bank and any subsidiary, affiliate or other firm directly or indirectly controlled from time to time by either Trust I.P. Bank or you.


I agree that you may keep my personal details, given to you by me or other people during my relationship with you and other companies in Your Group, in a Trust I.P. Bank database which may be kept in or outside the jurisdiction in which my account is held. This includes:

  •          details I give you on application forms,
  •          details I give you during financial reviews and interviews,
  •          your analysis of my banking transactions, and
  •          what you know from operating my accounts.

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Companies in Your Group may use and update this centrally held information to:


  •             provide me with services,

  •             identify products and services which might be suitable for me,

  •             assess lending and insurance risks,

  •             recover debts,

  •             prevent and detect fraud, and other crimes

  •             manage your and any member of Your Group's relationship with me, and

  •             update their own records about me.

You may also use my information for research and statistical analysis with the aim of improving your services.

If I request it, on payment of a fee, you will provide me with a copy of the information you hold, in line with the Data Protection Legislation currently in force in the jurisdiction in which my account is held.


The information you hold about me is confidential. You will only disclose it outside Your Group when:


  1. I give you my consent,

  2. it is needed by your agents and others involved in running accounts and services for me,

  3. you or others need to investigate or prevent crime (including but not limited to, in the case of customers with a current or past connection to the UK , investigations by H.M. Revenue & Customs),

  4. the law permits or requires it, even without my consent, or

  5. there is a duty to the public to reveal the information.


You may administer my account and provide other services from centres in countries outside Europe (such as India and the USA) that do not always have the same standard of data protection laws as Jersey, Guernsey, Isle of Man or Gibraltar. However, you will have a contract in place to ensure that my information is adequately protected, and you will remain bound by your obligations under the Data Protection Legislation currently in force in the jurisdiction in which my account is held even when my personal information is processed outside Europe.

When assessing my application and managing my borrowing automated decision making systems may be used. I agree that when making credit decisions you may make searches at credit reference agencies, including electoral register information. These searches will be recorded by the credit reference agencies.

I agree that if I am applying in joint names, this will create a financial link between us in the records at the credit reference agencies meaning that my financial affairs and those of my joint applicant may be treated as affecting each other.

You may disclose how I have run my accounts to the credit reference agencies. In the event that you make formal demand for repayment of my borrowing and I do not make full repayment or satisfactory proposals to you within 28 days, you may disclose this to the agencies, who will record the outstanding debt.

I agree that credit reference agencies may form a link in the records they hold about me, between any previous or subsequent names that I use.

I understand that if false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

You and other organisations may use credit reference agency and fraud prevention agency records about me and people financially linked to me, and others in my household to help make decisions about me and

  1. for credit and credit related services, and to manage my accounts,

  2. for checking details on proposal and claims for all types of insurance,

  3. for fraud prevention, debtor tracing, debt recovery, and to check my identity to prevent money laundering, and

  4. for checking details of job applicants and employees.

You and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

If I ask, you will tell me which credit reference and fraud prevention agencies you have used so I can get a copy of my details from them.

I confirm that I have consent for this agreement from any joint applicant who is not present, and I will share with them the details of what I have agreed to on their behalf.

You may monitor or record phone calls with me in case you need to check you have carried out my instructions correctly and to help improve your quality of service.

You may contact me about products and services available from Your Group, and from selected companies outside Your Group which you believe may interest me or benefit me financially, unless I have told you that I do not want to receive this information. Other companies, including those in Your Group, will not make marketing approaches to me without my consent.