Vanquis Bank Savings

Privacy Statement & Cookies

Privacy Statement - February 2013

This statement sets out how we use and protect any personal information that you give us when you use the Vanquis Bank Savings Service and this website. Vanquis Bank Limited may use and share the information we hold about you and your account(s) in accordance with Your Personal Information section in our General Terms and Conditions for Fixed Term Savings Accounts ('General Conditions').

We may change this policy from time to time by updating this page. You should check this page from time to time to ensure you are happy with any changes. "We/our/us" refer to Vanquis Bank Limited (Company number 02558509) whose registered office is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU and is a member of the Provident Financial Group (the Group).

Your Personal Information

We will hold information about your Account(s) for business analysis, fraud prevention and to keep your records accurate and up-to-date. Vanquis Bank will treat your personal information as private and confidential (even when you are no longer a customer) and we will not disclose any of these details unless:

  • we are compelled to do so by law;
  • there is a duty to the public to disclose them;
  • we are permitted to disclose them under condition 4.4 of the General Conditions;
  • you request us to disclose them; or
  • our interests require us to disclose them (for example to prevent fraud).

If you wish to request us to disclose your personal information, please put your request in writing and address it to us at our Contact Address:
Vanquis Bank Savings,
Freepost RSGY-CKJA-BKCS,
PO Box 1279,
Newcastle upon Tyne,
NE99 5BR

We and other companies in the Provident Financial Group may also use your information:

  • to manage your account(s);
  • to give you statements and provide our services;
  • for assessment and analysis (including behavioural scoring, market and product analysis and market research);
  • to prevent and detect fraud, money laundering, and other crime;
  • to carry out regulatory checks and meet our obligations to any relevant regulatory authority;
  • to develop and improve our services to you and other customers; and
  • to protect our interests.

We may contact you by post, telephone, email or mobile text and/or voice messaging service about products or services relating to your Account or application. We may disclose the information we hold about you and how you manage your account to the following:

  • other companies in the Provident Financial Group and our relationship partners;
  • our agents, processors and sub contractors;
  • any of our approved suppliers;
  • the police, if required by law;
  • your advisers where authorised by you and to any other person notified by you as authorised to give instructions or to use your account or product or services on your behalf;
  • any relevant regulatory authority, if required by law;
  • any third party as a result of the restructure, sale or acquisition of any company within the Provident Financial Group; and/or
  • anyone to whom we transfer or may transfer our rights and duties under this agreement.

If you were introduced to us by a third party, we may give them your contact details and sufficient information about you for their own business and statistical analysis. This may include specific information about whether we declined or approved your application and how you use and manage your Account.

We and other companies in the Provident Financial Group may also use your contact and personal details from your Accounts and records within the Provident Financial Group to identify products and services, which may be of interest to you by mail, telephone, email, text (or similar) and other electronic methods. You may tell us and any other members of Provident Financial Group if you do not wish to receive marketing communications by writing to us. Please put your request in writing and address it to us at our Contact Address.

You have a right to receive a copy of the information we hold about you if you apply to us in writing at our Contact Address. We will require you to pay us a fee. You are also entitled to request that any inaccurate information be amended or deleted.

What are Cookies?

We use cookies for certain areas of our website.

Cookies are small files that store information on your hard drive or browser that means that our website can recognise that you have visited our website before.

Cookies can't harm your computer and we don't store personally identifiable information (such as your name, address or credit card details in cookies we create), but we do use encrypted information gathered from them to help improve your experience of the site. For example, cookies make it easier for you to maintain your preferences on the website, and by seeing how you use the website, we can tailor the website around your preferences and measure usability of the website.

You can, should you choose, disable the cookies from your browser and delete all cookies currently stored on your computer. Your cookie settings are set separately for each different device, computer or browser and if you want to change your cookie settings you will need to do so for each device, computer or browser.

If you disable cookies, you'll still be able to browse the site but you will not be able to use all the features, for example the ability to view your account online. Most web browsers have cookies enabled by default, if you want to review your cookie setting please see the section entitled Managing cookies.

Further reading about Cookies

Information about cookies
More information about cookies is available at:
» www.allaboutcookies.org

Internet Advertising Bureau
A guide to behavioural advertising and online privacy produced by the internet advertising industry is available at:
» www.youronlinechoices.eu

International Chamber of Commerce United Kingdom
Information on the ICC (UK) UK cookie guide is available on the ICC website:
» www.international-chamber.co.uk/our-expertise/digitaleconomy

Please note that we take no responsibility for the content of these or any other third party websites.

Cookies used on the Vanquis Bank Savings Website

To make full use of the Vanquis Bank Savings website, your computer, tablet or mobile phone will need to accept cookies, as we can only provide you with certain personalised features of this website by using them.

Here's a list of the main cookies we use, and what we use them for. You'll find information about 3rd party cookies in the next section.

Cookie Name Cookie Purpose
ASP.NET_SessionId Session - This is a unique ID used by the website technology to link the pages and interactions together so the web experience does not break.
_#uid
_#sess
_#srchist
_#vdf
DC Storm - This is an online Analytics tool which anonymously collects information about how our customers navigate around our website so we're able to optimise the experience we provide.

Third Party Cookies

Some of the cookies on the Vanquis Bank website are not set by Vanquis Bank.

A cookie set by Vanquis Bank is known as a 'first party cookie'. Cookies set by other persons on a Vanquis Bank website are referred to as 'third party cookies'. Examples of these include third party cookies set by business partners of Vanquis Bank.

Vanquis Bank does not control the 'third party cookies' and the responsibility for their use lies with that third party.

We suggest you check with the third party websites for more information about their cookie policies and how to manage them.

Some of the business partners that may set third party cookies on the Vanquis Bank website include:

Partner Name Cookie Name
www.fscs.org.uk ASPSESSIONIDASSDAQCQ
www.financialfraudaction.org.uk ASPSESSIONIDACRTRCTD
www.which.co.uk ARPT
www.which.co.uk JSESSIONID
www.which.co.uk sso_auth
www.which.co.uk source_code
www.which.co.uk offer_code
www.which.co.uk lastPageName

Managing Cookies

If your browser cannot accept cookies your use of the Vanquis Bank website and the Web in general may be limited.

To manage cookies
If you're not sure of the type and version of web browser you use to access the Internet:
For PCs: click on 'Help' at the top of your browser window and select the 'About' option.
For Macs: with the browser window open, click on the Apple menu and select the 'About' option.

How to check cookies are enabled for PCs

Google Chrome

  1. Click on 'Tools' at the top of your browser window and select Options.
  2. Click the 'Under the Hood' tab, locate the 'Privacy' section, and select the 'Content settings' button.
  3. Now select 'Allow local data to be set'.

Microsoft Internet Explorer 6.0, 7.0, 8.0

  1. Click on 'Tools' at the top of your browser window and select 'Internet options' , then click on the 'Privacy' tab.
  2. Ensure that your Privacy level is set to Medium or below, which will enable cookies in your browser.
  3. Settings above Medium will disable cookies.

Mozilla Firefox

  1. Click on 'Tools' at the top of your browser window and select Options.
  2. Then select the Privacy icon.
  3. Click on Cookies, then select 'allow sites to set cookies'.

Safari

  1. Click on the Cog icon at the top of your browser window and select the 'Preferences' option.
  2. Click on 'Security', check the option that says 'Block third-party and advertising cookies'.
  3. Click 'Save'.

All other browsers

Please consult your documentation or online help files.