{"columns":["How we use your information","Legal basis"],"total":15,"offset":0,"limit":15,"data":[{"How we use your information":"To provide and manage your account(s) and our relationship with you","Legal basis":"● Where necessary for the performance of our agreement or to take steps to enter into an agreement with you
● Where it is required by applicable laws
● Where it's in our legitimate interests to ensure that our customer accounts are well-managed, so that our customers are provided with a high standard of service, to protect our business interests and the interests of our customers"},{"How we use your information":"To give you statements and other information about your account or our relationship","Legal basis":"● Where necessary for the performance of our agreement or to take steps to enter into an agreement with you
● Where it is required by applicable laws"},{"How we use your information":"To handle enquiries and complaints","Legal basis":"● Where necessary for the performance of our agreement or to take steps to enter into an agreement with you
● Where it is required by applicable laws
● Where it's in our legitimate interests to ensure that complaints are investigated, for example, so that our customers receive a high standard of service and we can prevent complaints from occurring in future
● In the case of sensitive information, such as medical information, where you have agreed"},{"How we use your information":"To provide our services to you","Legal basis":"● Where necessary for the performance of our agreement or to take steps to enter into an agreement with you
● Where it is required by applicable laws"},{"How we use your information":"For assessment, testing (including systems tests) and analysis (including credit and/ or behaviour scoring), statistical, market and product analysis and market research.","Legal basis":"● Where it is required by applicable laws.
● Where it's in our legitimate interests to develop, build, implement and run business models and systems which protect our business interests and provide our customers with a high standard of service."},{"How we use your information":"To evaluate, develop and improve our services to you and other customers","Legal basis":"● Where it’s in our legitimate interests continually to evaluate, develop or improve our products as well as the experiences of users of our websites, so that our customers are provided with a high standard of service."},{"How we use your information":"To protect our business interests and to develop our business strategies","Legal basis":"● Where it's in our legitimate interests to protect our people, business and property and to develop our strategies.
● Where necessary for the performance of our agreement or to take steps to enter into an agreement with you.
● Where it is required by applicable laws.
● In the case of sensitive information, where you have agreed."},{"How we use your information":"To contact you, by post, phone, text, email and other digital methods. This may be:to help you manage your accounts to meet our regulatory obligations to keep you informed about products and services you hold with us and to send you information about products or services (including those of other companies) which may be of interest to you.","Legal basis":"● Where it is required by applicable laws.
● Where we have agreed to contact you in our agreement.
● Where you have agreed for the same.
● Where it’s in our legitimate interests to share information with our customers about products / services that may be relevant and beneficial to them. Where we send you marketing messages, you can always tell us when you no longer wish to receive the same."},{"How we use your information":"To collect any debts owing to us","Legal basis":"● Where it's in our legitimate interests to collect any debts owing to us.
● In the case of sensitive information, such as medical information racial or ethnic origin, where you have agreed."},{"How we use your information":"To meet our regulatory compliance and reporting obligations and to prevent, detect, investigate and prosecute fraud and alleged fraud, money laundering and other crimes. We may record your image on CCTV when you visit our premises.","Legal basis":"● Where the law requires this
● Where it's in our legitimate interests to prevent and investigate fraud, money laundering and other crimes
● Where such processing is a contractual requirement for the services or financing you have requested."},{"How we use your information":"To assess any application you make, including carrying out checks related to fraud, money laundering, identity, sanctions screening and any other regulatory checks.","Legal basis":"● Where you have made data public.
● Where such actions are in our legitimate interests, for the protection of our business interests.
● Where it is required by applicable laws.
● In the case of sensitive information, where you have agreed."},{"How we use your information":"To monitor, record and analyze any communications between you and us, including phone calls","Legal basis":"● Where it’s in our legitimate interests, to check your instructions to us, to prevent and detect fraud and other crime, to analyze, assess and improve our services to customers, and for training, for the enhancement of our customer service provision and protection of our business interests.
● In the case of sensitive information, such as medical information, where you have agreed."},{"How we use your information":"To transfer your information to or share it with any third party to whom your account has been or may be transferred following a restructure, sale or acquisition of any group company","Legal basis":"● Where necessary for the performance of our agreement with you.
● Where we have a legitimate interest in restructuring or selling part of our business."},{"How we use your information":"To share your information with relevant tax authorities, Reserve Bank of India/ National Housing Bank and other government authorities, credit reference agencies, credit information companies, information utilities, fraud prevention agencies, and any other Indian and overseas regulators and authorities","Legal basis":"● Where it is required by applicable laws.
● Where we have a legitimate interest in performing certain credit checks so that we can make responsible business decisions. As a responsible organisation, we need to ensure that we only provide certain products to companies and individuals where the products are appropriate, and that we continue to manage the services we provide, for example if we consider that you may have difficulties in making a payment to us.
● Where we have a legitimate interest in assisting with the prevention and detection of fraud and other crime.
● Where we have a legitimate interest in assisting Indian or overseas regulators, who monitor us to ensure compliance with the applicable laws and regulations
● More details on our data sharing with these organisations is set out below"},{"How we use your information":"To share your information with our partners and service providers","Legal basis":"● Where necessary for the performance of our agreement.
● Where we have a legitimate interest in using third parties to provide some services for us or on our behalf."}],":type":"sheet"}