Who is halifax bank owned by

Fraud prevention agencies FPAs. This section gives you the legal name of the company who holds your personal information - known as the 'legal entity' - and tells you how you can get in touch with us. Lloyds Banking Group is made up of a mix of companies, set up on different legal entities. We'll let you know which you have a relationship with, when you take out a product or service with us. You can find out more about us at www. Contacting us about data privacy Please use these details to contact us about any of the topics set out in this Privacy notice.

Calls may be monitored or recorded. If you have a hearing or speech impairment you can also call us using the Relay UK. If you use a textphone, just add before the number you're calling. On a smartphone, tablet or computer, you can call through the Relay UK app. There's more information on the Relay UK help pages. These are our main contact details. Some sections of this notice have special contact details that you can use instead. Back to top.

This section sets out the legal reasons we rely on, for each of the ways we may use your personal information. As well as our Privacy Promise, your privacy is protected by law. This section explains how that works. Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. This includes sharing it outside Lloyds Banking Group. The law says we must have one or more of these reasons:. We will tell you what that is, if we are going to rely on it as the reason for using your data.

Even then, it must not unfairly go against your interests. The law and other regulations treat some types of sensitive personal information as special. We will not collect or use these types of data without your consent unless the law allows us to do so. If we do, it will only be when it is necessary:. Here is a list of all the ways that we may use your personal information, and which of the reasons we rely on to do so. This is also where we tell you what our legitimate interests are.

This explains what all the different types of personal information mean, that are covered by data protection law. We use many different kinds of personal information. They are grouped together like this. The groups are all listed here so that you can see what we may know about you, even if we simply get it from seeing which shops you buy things in. Some of it is useful for marketing, or for providing services to you. But some of it is private and sensitive and we treat it that way.

This includes details about your work or profession, nationality, education and where you fit into general social or income groupings. Data we get about where you are. This may come from your mobile phone, or the place where you connect a computer to the internet. It can also include shops where you buy something with your card. Details about you that are in public records such as the Electoral Register, and information about you that is openly available on the internet.

Details about you that are stored in documents in different formats, or copies of them. This could include things like your passport, drivers licence, or birth certificate. The law and other regulations treat some types of personal information as special.

We will only collect and use these if the law allows us to do so:. Any permissions, consents, or preferences that you give us. This includes things like how you want us to contact you, whether you get paper statements, or prefer large-print formats.

A number or code given to you by a government to identify who you are, such as a National Insurance number or social security number, or Tax Identification Number TIN. This section lists all the places where we get data that counts as part of your personal information. We may collect personal information about you or your business from other Lloyds Banking Group companies and any of these sources:.

This could mean a joint account holder, trustee, or fellow company director. This covers two things: details about how and where you access our services, and account activity that is shown on your statement. We will keep your personal information for as long as you are a customer of Lloyds Banking Group.

We may keep your data for up to 10 years after you stop being a customer. The reasons we may do this are:. We may also keep your data for longer than 10 years if we cannot delete it for legal, regulatory or technical reasons. We will only use your personal information for those purposes and will make sure that your privacy is protected.

You can choose not to give us personal information. In this section we explain the effects this may have. We may need to collect personal information by law, or to enter into or fulfil a contract we have with you. If you choose not to give us this personal information, it may delay or prevent us from fulfilling our contract with you, or doing what we must do by law. It may also mean that we cannot run your accounts or policies. It could mean that we cancel a product or service you have with us.

We sometimes ask for information that is useful, but not required by law or a contract. We will make this clear when we ask for it. You do not have to give us these extra details and it won't affect the products or services you have with us. We may use cookies and similar tracking technologies on our websites and apps, and in emails we send you. Cookies are small computer files that get sent down to your PC, tablet or mobile phone by websites when you visit them.

They stay on your device and get sent back to the website they came from, when you go there again. Cookies store information about your visits to that website, such as your choices and other details.

Some of this data does not contain personal details about you or your business, but it is still protected by this Privacy notice.

We track emails to help us improve the communications we send. We use small images called pixels within our emails to tell us things like whether you opened the email, how many times and the device you used. We may also set a cookie to find out if you clicked on any links in the email.

To find out more about how we use cookies and email tracking, please see our Cookies Policy. This section gives details of how to contact us to make a complaint about data privacy. It also shows you where you can get in touch with the government regulator. Please let us know if you are unhappy with how we have used your personal information. You can contact us using our secure online contact form. You also have the right to complain to the regulator, and to lodge an appeal if you are not happy with the outcome of a complaint.

Find out on their website how to report a concern. This section explains what to do if you change your mind about a consent you have given. This will only affect the way we use information when our reason for doing so is that we have your consent. See the section 'Your Rights' about more generally restricting use of your information. If you withdraw your consent, we may not be able to provide certain products or services to you.

If this is so, we will tell you. Here you can find out how to contact us if you think the information we hold for you is wrong, incomplete or out of date. You have the right to question any information we have about you that you think is incorrect.

This section tells you where to write to us to get a copy of your personal information, and how to ask for a digital file you can use yourself or share easily with others. You can do this online or by writing to us. You can get a copy of all the personal information we hold about you by filling in this form or by writing to us at this address:. You also have the right to get certain personal information from us as a digital file, so you can keep and use it yourself, and give it to other organisations if you choose to.

If you wish, we will provide it to you in an electronic format that can be easily re-used, or you can ask us to pass it on to other organisations for you.

What if you want us to stop using your personal information? This section explains about your right to object and other data privacy rights you have — as well as how to contact us about them. You can object to us keeping or using your personal information. You can also ask us to delete, remove, or stop using your personal information if there is no need for us to keep it. There may be legal or other official reasons why we need to keep or use your data.

But please tell us if you think that we should not be using it. We may sometimes be able to restrict the use of your data. This means that it can only be used for certain things, such as legal claims or to exercise legal rights.

If we do restrict your information in this way, we will not use or share it in other ways while it is restricted. We may share your personal information with outside organisations such as credit card providers, insurers or tax authorities. This is so that we can provide you with products and services, run our business, and obey rules that apply to us. Here we list all the types of organisation that we may share your personal information with. We share personal information with insurance industry companies to process claims and help reduce fraud.

We do that in these ways:. These are organisations that we may need to share your personal information with, because of what you can do with the product or service you have with us.

Learn more about how we use your information to make automated decisions. We may also share your personal information if the ownership of products or services or the make-up of Lloyds Banking Group changes in the future:. We combine data in this way so we can look for general patterns and trends.

For instance, we might look at customers in one age group shopping for clothes. We could look at one area of the UK, or the average amount spent in one month. But we would not include any data about who these customers are. When we combine data this way, we use all of the information — including historical data — that we hold about you and our other customers. We do this to learn about the types of customers we have, how they use our products, and how our products perform for them.

The law says this is not considered to be personal information after it has been grouped in this way. We use marketing to let you know about products, services and offers that you may want from us.

This section tells you how we decide what marketing to show or send you. It also explains how we work out what you may be interested in. We may use your personal information to make decisions about what products, services and offers we think you may be interested in. That is when we have a business or commercial reason to use your information. It must not conflict unfairly with your own interests.

The personal information we have for you is made up of what you tell us, and data we collect when you use our services, or from outside organisations we work with. We study this to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you. This is called profiling for marketing purposes. You can contact us at any time and ask us to stop using your personal information this way.

If you allow it, we may show or send you marketing material online on our own and other websites including social media , in our own and other apps, or by email, mobile phone, or post or through smart devices and other digital channels.

What you get will depend on marketing choices that you set. You can change these at any time and tell us to stop sending you marketing. You can also tell us not to collect data while you are using our websites or mobile apps. If you do, you will still see some marketing but it will not be tailored to you.

See our Cookies policy for details about how we use this data to improve our websites and mobile apps. Whatever you choose, you'll still receive statements and other important information such as changes to your existing products and services. We may ask you to confirm or update your choices, if you take out any new products or services with us in future.

We will also ask you to do this if there are changes in the law, regulation, or the structure of our business. Here we tell you how we use automated systems to make decisions about you and your money. We also explain the rights you have to challenge decisions made this way. We sometimes use systems to make automated decisions about you or your business. This helps us to make sure our decisions are quick, fair, efficient and correct, based on what we know.

Automated decisions can affect the products, services or features we may offer you now or in the future, or the price that we charge you for them. They are based on personal information that we have or that we are allowed to collect from others.

We may decide what to charge for some products and services based on what we know. For instance, if you use our online mortgage calculator, it will use the personal financial details you put in to estimate the kind of mortgage we may offer you. If you apply for insurance, we will compare what you tell us with other records to work out how likely you are to make a claim. This will help us to decide whether to offer you the product and what price to charge you.

We may place you in groups with similar customers. These are called customer segments. This helps us to design products, services and offers for different customer segments, and to manage our relationships with them. We also use customer segments from outside companies we work with - such as social networks - by asking them for groups of people who are similar to you, or have interests that are like yours in some ways.

These companies help us look for new customers who may be interested in products, services or offers that our existing customers are interested in. This helps us tailor the marketing that individuals receive or are shown on our own and other websites and mobile apps, including social media. The advent of computerisation in the s heralded an era of rapid change and innovation. The business of the Halifax was transformed - accounts were handled electronically and filing systems automated.

A state of the art head office was built at Trinity Road in Branches were modernised and revolutionary cash dispensers installed. In , new legislation allowed building societies to increase their range of financial services. The Halifax steadily diversified into personal banking, stock broking, insurance and estate agency. The s saw a period of mergers and acquisitions. The most notable of these were the merger with the Leeds Permanent Building Society , and the acquisition of Clerical Medical the following year.

February marked a turning point in the history of the Halifax. Its members voted overwhelmingly in favour of conversion to plc status. The subsequent flotation on 2nd June was the largest the Stock Market had seen; some 7. A further acquisition was made in with Birmingham Midshires. Bank of Scotland was founded in , by an Act of the Scottish Parliament - making it Scotland's first and oldest bank.

It charts the history of banking in Scotland, and explores the theme of money in all its shapes and forms. The history of Halifax. The Rise of industry The origins of the Halifax date back to the Industrial Revolution, when small market towns across England were transformed into manufacturing centres.

The first 50 years Business was brisk from the start. From building society to bank The advent of computerisation in the s heralded an era of rapid change and innovation. Our brands. We operate multiple brands through three core divisions; Retail, Commercial Banking and Insurance and Wealth. Halifax Building Society converted from member ownership to a stock company — a process called demutualisation — in June Qualifying Members were entitled to receive shares in Halifax plc, as a consequence of this demutualisation.

The Halifax and Natwest are not linked in any way. They cannot off-set your credit balance against your debit balance. Santander previously: Abbey , Cahoot. It charges monthly fees for its checking and savings accounts, but those fees are easy to waive. Just watch out for low interest rates and high overdraft fees.