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NatWest

The information on this page is from the privacy notice published by NatWest.

You can use this page to learn about how this organisation uses personal data and find out how to make a request related to the data they hold about you.

Make a request

Organisation information

Description

Bank

Registration country

United Kingdom

Registration number

00929027

Data Protection Officer

Organisations that use special categories of data, are public bodies, or do large scale processing must appoint a Data Protection Officer.

Role

Data Protection Officer

Telephone number

+443457888444

Data categories collected

Organisations must give details about what categories of data are stored and processed.

Unusual processing purposes

Organisations must provide information about what they do with data. This section highlights less common uses of data.

This privacy notice does not appear to mention any unusual processing purposes.

Third parties

Organisations must give details about other parties that personal data is shared with.

List of third parties

  • Law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world (where required)

  • Other banks and third parties (to recover funds from misdirected payments or fraud)

  • Third parties who provide services to NatWest

  • Debt collection agencies

  • Credit reference and fraud protection agencies

  • Third-party guarantors or other companies who provide you with benefits related to your service

  • Parties involved in potential insolvency, mergers, or acquisitions of NatWest

  • Unspecified "third parties" (anonymised statistical and aggregate data only)

  • Any third party that provides customers with account information or payment services (with customer consent)

  • Other authorised users who have been added to your account

  • Other members of a customer's "Fee Family" (if that service is used)

How specific is this information?

Third parties are listed as groups

Observations

Some of the parties with which data is being shared are described vaguely or are referred to as unspecified "third parties".

Retention rules

Organisations must give details about how long data is kept.

Summary

We normally keep customer account records for up to six years after your relationship with the bank ends, whilst other records are retained for shorter periods, for example 90 days for CCTV records or 12 months for call recordings.

How specific is this information?

  • Retention rules are given for specific categories of data

  • Specific times are given for how long data is kept

Lawful bases

Organisations must justify collection and use of data under six lawful bases and provide information about their decisions

  • Contract

    * assess and process applications for products or services
    * provide and administer those products and services throughout your relationship with the bank;
    * manage and maintain our relationships with you and for ongoing customer service
    * administer any credit facilities or debts
    * communicate with you about your account(s) or the products and services you receive from us

  • Legal obligation

    * confirm your identity
    * perform checks and monitor transactions and location data for the purpose of preventing and detecting crime
    * assess affordability and suitability of credit and analyse credit data for regulatory reporting;
    * share data with other banks and third parties to help recover funds that have entered your account as a result of a misdirected payment by such a third party
    * share data with police, law enforcement, tax authorities or other government and fraud prevention agencies where we have a legal obligation, including reporting suspicious activity and complying with production and court orders
    * deliver mandatory communications to customers or communicating updates to product and service terms and conditions
    * investigate and resolve complaints
    * conduct investigations into breaches of conduct and corporate policies by our employees;
    * manage contentious regulatory matters, investigations and litigation
    * perform assessments and analyse customer data for the purposes of managing, improving and fixing data quality
    * corporate risk management
    * investigate and report on incidents or emergencies on the bank’s properties and premises;
    * coordinate responses to business-disrupting incidents
    * monitor dealings to prevent market abuse.

  • Legitimate interests

    * monitor, maintain and improve internal business processes and services
    * ensure business continuity and disaster recovery
    * ensure network and information security
    * corporate risk management
    * accounting and reporting
    * protecting NatWest's legal rights and interests
    * manage and monitor properties for the purposes of crime prevention
    * enable a sale, reorganisation or transfer of the business
    * identify new business opportunities
    * send customers relevant marketing information
    * understand customers' actions and expectations
    * monitor performance and effectiveness of the provided services
    * assess the quality of customer services and to provide staff training
    * analyse customer complaints
    * compensate customers for loss
    * identify our customers’ use of third-party products and services in order to facilitate the uses of customer information detailed above
    * combine your information with third-party data, such as economic data in order to understand customers’ needs better and improve our services
    * carry out financial, credit and insurance risk assessments
    * manage and take decisions about your accounts
    * carry out screening checks on customers and potential customers
    * share data with credit reference, fraud prevention agencies and law enforcement agencies
    * trace debtors and recover outstanding debt

Security standards

Organisations must ensure that data is stored and processed securely.

Security standards URL

https://personal.natwest.com/personal/security-centre/how-we-protect-you.html

How specific is this information?

This organisation provides general details about how they secure data

Data processing addendum

Some organisations offer a data processing addendum that gives data adequate protections when it leaves the EEA.

This privacy notice does not appear to have this information.

Automated decision making

Organisations must give details about how data is used to make decisions without human involvement.

Summary

This organisation uses automated decision making

Observations

Applications to use NatWest services may be processed on an automated basis using information taken from credit reference agencies.

How specific is this information?

The organisation mentions use of automated decision making for specific purposes

Complaint information

Organisations must give details about how to make a complaint with a data protection authority.

Summary

This privacy notice contains information about to make a complaint to a data protection regulator

Observations

Complaints are directed to the Data Protection Officer, which is the same generic phone number used in other sections of the policy.

How specific is this information?

This privacy notice contains specific contact details for a data protection regulator

Design recommendations

Organisations are required to provide privacy information in a transparent way. The Article 29 Working Party has provided recommendations on how to do this.

Assessment

This privacy notice:

  • Has language that is easy to understand

  • Is designed in a way that makes it easy to find information

  • Can be easily found on the organisation's website

Last updated 2018-06-29 at 08:06:08 • Download as JSONAPI documentationView on GitHubView on OpenCorporates