Information you provide or we hold about you (whether or not under our contract (or contracts) with you) may be used by us to:


identify you when you contact us;


help identify accounts, services and/or products which you could have from us from time to time. We may do this by automatic means using a scoring system, which uses the information you have provided, any information we hold about you and information from third party agencies.


help administer, and contact you about improved administration of, any accounts, services and products we have provided before, or provide now or in the future;


carry out marketing analysis and customer profiling (including with transactional information) and create statistical and testing information;

help to prevent and detect fraud or loss; and


contact you in any way (including mail, email, phone, visit, text or multimedia messages) about products and services offered by us and selected partners. We will only contact you in this way if you have previously indicated your consent.


We will not allow other people and organisations to use information we hold about you.


We may monitor and record communications with you (including phone conversations and emails) for quality assurance, legal compliance and training purposes.

"Setting Standards"

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