PRIVACY STATEMENT

NOTICE

This Data Protection and Privacy Statement relates to information supplied by you on this Web Site and through any of your dealings with us. Standard Chartered Bank, and each of its subsidiary, affiliate, branch and representative office with whom you deal, the Data Controller ("SCB" or “we/our/us”), respect the privacy of your personal information and will treat it confidentially and securely, even when you are no longer our client.  We will use, store or otherwise process your information in accordance with applicable data protection laws.

Any personal information provided by you to SCB will be used for the purpose of providing and operating the products and services you have requested and for other related purposes which may include updating and enhancing SCB's records, understanding your financial needs, conducting credit and identity checks, reviewing credit worthiness and assisting other financial institutions to conduct credit checks, advising you of other products and services which may be of interest to you, for crime/fraud prevention and debt collection purposes, for purposes required by law or regulation, to plan, conduct and monitor SCB's business and for all ancillary purposes including security, computer, telecommunications and technology services.

The information collected from you by SCB will be valuable in improving the design and marketing of our range of services and related products for customer use. This provision will not alter or affect any information otherwise provided by you to SCB.

Other than to those individuals and entities listed below your details will not be revealed by SCB to any external body, unless SCB has your permission, or is under either a legal obligation or any other duty to do so. For the purposes detailed above, your information may be disclosed to:

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other branches,representative offices or companies in the SCB Group (ie. SCB, its subsidiaries and affiliates);
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any court, tribunal, regulatory, supervisory, governmental or quasi-governmental authority with jurisdiction over any Standard Chartered Group member, or its service providers, or any person to whom they are required or authorised by law or court order to make such disclosure or where we are under a public duty to disclose or where such disclosure is necessary to protect our interests;
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any agent, contractor or third party service provider, professional adviser, rating agency, insurer or insurance broker, or any other person under a duty of confidentiality to the SCB Group member;
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credit reference agencies and, in the event of default, debt collection agencies;
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any actual or potential participant or sub-participant in, assignee, novatee or transferee of, any of the SCB Group's rights and/or obligations in relation to you;
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any financial institution, agent, third party security provider or professional adviser with which SCB has or proposes to have dealings, or with which you have or propose to have dealings, or any third party holding your investments;
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any persons holding a power of attorney or signatory authority or otherwise with your consent;
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any market association, clearing house,futures commission or relevant merchant body.
 
Cookies

In order to improve our Internet service to you, we will occasionally use a "cookie" and/or other similar files or programs which may place certain information on your computer's hard drive when you visit an SCB web site. A cookie is a small amount of data that our web server sends to your web browser when you visit certain parts of our site. We may use cookies to:
 
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allow us to recognise the PC you are using when you return to our web site so that we can understand your interest in our web site and tailor its content and advertisements to match your interests (This type of cookie may be stored permanently on your PC but does not contain any information that can identify you personally.);
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Identify you after you have logged in by storing a temporary reference number in the cookie so that our web server can conduct a dialogue with you while simultaneously dealing with other customers. (Your browser keeps this type of cookie until you log off or close down your browser when these types of cookie are normally deleted. No other information is stored in this type of cookie.);
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allow you to carry information across pages of our site and avoid having to re-enter that information;
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allow you access to stored information if you register for any of our on-line services;
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enable us to produce statistical information (anonymous) which helps us to improve the structure and content of our web site; and
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Enable us to evaluate the effectiveness of our advertising and promotions.
 

Cookies do not enable us to gather personal information about you unless you give the information to our server. Most Internet browser software allows the blocking of all cookies or enables you to receive a warning before a cookie is stored. For further information, please refer to your Internet browser software instructions or help screen. Alternatively, information on deleting or controlling cookies is available at www.aboutcookies.org
 
Internet Communications

In order to maintain the security of our systems, protect our staff, record transactions, and, in certain circumstances, to prevent and detect crime or unauthorised activities, SCB reserves the right to monitor all internet communications including web and email traffic into and out of its domains.
 

Other Information

In some cases, the recipient of your information may be based in countries that offer a higher or lower level of data protection from your home country.  However, we will ensure that parties to whom your information is transferred agree to protect your information and store and process it in a secure manner. 

In common with other banks, we have to process payments to and from your account(s) through other entities including other banks and operators of financial payments systems.  These entities may process or store the payment information in other countries whose laws and regulations require disclosure of the payment details, including names and addresses and other sender and beneficiary details, to governmental and regulatory authorities for the purpose of fighting crime and terrorism. 

If relevant, you represent and warrant to us that you have all the necessary and relevant permissions of all relevant individuals to carry out the processing of their information that this Clause contemplates.

Your information will be retained by us for so long as there is a business need to hold the information or as required by legal, accounting or regulatory requirements or to protect any Standard Chartered Group Member’s interests.
 
Your Rights and How to Contact Us

You may have the right under data protection legislation on payment of a fee to request access to personal information about you held by us and to have it corrected where appropriate. If you have that right and you wish to access, correct or delete any of your personal data held by us, or if you have any questions concerning our Data Protection and Privacy Statement please contact the relevant SCB Data Protection representative. You may also have the right to access details held by credit reference agencies and SCB will supply details of the relevant agencies upon request. For the UK please write to: The Regional Head of Legal & Compliance UK/Europe, 1 Basinghall Avenue, London EC2V 5DD, Fax 020 7885 1871. Other local SCB web sites may have details of local Data Protection Officers.
 
Contacting You

In providing your telephone, facsimile number, postal and e-mail address or similar details, you agree that SCB may contact you by these methods to keep you informed about SCB products and services or for any other reason. If you prefer not to be kept informed of SCB products and services, please contact SCB by E-mail.

SCB reserves the right to amend its prevailing Data Protection and Privacy Statement at any time and will place any such amendments on this Web Site. This Data Protection and Privacy Statement is not intended to, nor does it, create any contractual rights whatsoever or any other legal rights, nor does it create any obligations on SCB in respect of any other party or on behalf of any party.