Privacy notice

This notice explains what personal information Reliance Bank plc holds about you, why we hold it, who we share it with and what you can ask us to do about it. We are the data controller for everything described here.

What we collect

• Identity and contact details: name, date of birth, address, email, phone number, and the identity documents you give us.
• Financial information: balances, transactions, payees, income and, where you borrow, affordability and credit-reference data.
• Technical information: the devices and browsers you use, IP addresses, and the security keys registered to your account.
• Interactions: messages, calls (which are recorded), branch visits and complaints.

Why we hold it

To run your account and make the payments you instruct — that is the performance of our contract with you. To meet legal obligations on identification, sanctions screening, financial crime and tax reporting. And, on the basis of our legitimate interests, to detect fraud, to keep the service secure and to improve it.

We use your consent only for optional things, such as marketing email. Withdrawing consent is one click and never affects your account.

Automated decisions

Some decisions are made automatically: whether a payment looks like fraud, and whether a loan application meets our lending criteria. You have the right to ask for a human review of any automated decision that affects you, to be told the main factors behind it, and to contest it.

Who we share it with

• Payment schemes and other banks, to the extent needed to move a payment you instructed.
• Credit reference and fraud prevention agencies, which may keep a record of the search.
• Regulators, law enforcement and tax authorities, where we are legally required to.
• Suppliers who process data on our behalf under contract, and only on our instructions.

How long we keep it

For as long as you are a customer, and then for six years after the relationship ends — the period the law requires for financial records. Some records, such as those relating to a financial crime investigation, are kept longer where we are required to.

Your rights

• Ask for a copy of the personal data we hold, free of charge, within one month.
• Ask us to correct anything inaccurate.
• Ask us to delete data we no longer have a lawful reason to keep.
• Object to processing based on our legitimate interests, including profiling.
• Ask for your data in a portable, machine-readable format.
• Complain to the Information Commissioner’s Office, though we would rather you told us first.

Contacting our Data Protection Officer

Write to the Data Protection Officer, Reliance Bank plc, 1 Foundry Square, London EC2A 4RQ, or email privacy@reliancebank.example. We reply within one month.