Your Privacy Online

 

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Important - Use of Your Information

RESPONSIBLE LENDING
Diners Club appraise Your financial circumstances carefully and make any credit reference or other enquiries Diners Club consider appropriate.

CREDIT SCORING
Diners Club will use a credit scoring or other automated decision making system when assessing Your application for a Card.

DATA PROTECTION NOTICE
1. As part of Your application for credit and any relevant insurance, We will search Your record at the Credit Reference Agencies who will supply Us with both credit and identity information. The Credit Reference Agencies will add to Your record details of Our search whether or not Your application proceeds successfully. Our search will be seen by other organisations that make searches.

2. We may give the Credit Reference Agencies details of any non-payment associated with Your Account, where:

(a) You have fallen behind with Your payments;
(b) You have not made proposals satisfactory to Us for repayment of Your debt following a formal demand; and
(c) You have been given at least 28 days notice of Our intention to disclose.

3. Credit searches, other information that is provided to us and/or the Credit Reference Agencies about You and those with whom You are linked financially may be used by other companies and Us if credit decisions are made about You or other members of Your household.

4. Information held about You by the Credit Reference Agencies may already be linked to records relating to one or more of Your partners. For the purposes of this application You may be treated as financially linked and Your application assessed with reference to any ”associated records”. If You have told Us of some financial association with another person, You are declaring that You are entitled to:

(a) disclose information about anyone else referred to by you;
(b) authorise us to search;
(c) link or record information at Credit Reference Agencies about You and anyone referred to by you.

5. An ”association” between You and anyone You tell us is Your financial partner will be created at the Credit Reference Agencies. This will link Your financial records, each of which will be taken into Account in all future applications made either by You, or both of you. This will continue until one of You successfully files a disassociation at the Credit Reference Agencies.

6. We may transfer Your personal data to Our parent company, Citigroup Inc. (or any other parent as a result of merger or amalgamation or corporate restructure) and any other Citigroup organisation in Europe, the USA, and other countries (where necessary) to process, administer and service Your account. It is important that You give Us accurate information.

7. We will check Your details with fraud prevention agencies, and if You give us false or inaccurate information and We suspect fraud, We will record this. Your record will be shared with other organisations and used by them to:

(a) help make decisions about credit for You and members of Your household;
or (b) trace debtors, recover debt, and prevent money laundering and fraud.

8. We, the Credit Reference and Fraud Prevention agencies, will also use Your record for statistical analysis on credit, insurance and fraud. Fraud prevention agency records will also be shared with other organisations to help make future decisions on motor, household, credit, life and other insurance proposals and insurance claims, for You and members of Your household.

9. We will verify and record information supplied by you as part of the fight against terrorism and to prevent money laundering activity.

10. We may undertake additional searches at the Credit reference Agencies when considering your application or during the life cycle of Your account if:

(a) the information You provide does not lead to a result enabling a decision to be made as to whether to issue a card;
(b) to manage your account with Us;
(c) information is needed to make a decision about your Credit Limit;
(d) the wish to make other products, services or benefits available to You.

11. Please telephone us on free phone 08000 72 22 22 (UK) OR 1800 654 213 (IR) if you want to have details of those credit reference and fraud prevention agencies from whom we obtain and to whom we pass information about you. You have a legal right to these datails. You have a right to receive a copy of the information we hold about you if you apply to us in writing: Data Protection Officer, Diners Club UK, PO Box 66351, London, E14 1GQ, a fee will be payable.

12. (a) We may send You information by SMS (text) messaging, fax, post or e-mail, or call You about products of Ours, or of companies within Our Group or of other organisations which may be of interest to You. We may do this even when the customer/business relationship has lapsed or terminated unless You tell us to stop as set out below; and(b) We may pass Your details to companies of Our Group, to send You information by SMS (text) messaging, fax, post or e-mail or call You about their products.13. You have a right at any time to stop us from contacting you by SMS (text) messaging, fax, post, telephone or e-mail, or giving your details to others for these purposes. You may write to: Data Protection Officer, Diners Club UK, PO Box 66351, London, E14 1GQ.

DATA PROTECTION
What Diners Club do with Your Personal Data and Your Rights.

1. Diners Club data controller is Diners Club UK.

2. Diners Club nominative representative dealing with data protection issues can be contacted by writing to Data Protection Officer, Diners Club UK, PO Box 66351, London, E14 1GQ.

3. It is important that You give Us accurate information. Diners Club may search and register information about You and/or the Account, an officer, director or partner of the Company, with a credit reference agency and a fraud prevention agency both of which other organisations will have access to when they carry out similar searches (if You and / or the Company give Diners Club false or inaccurate information and Diners Club suspects fraud, Diners Club will record this). Where applicable and in appropriate circumstances, information searched and registered is used by Diners Club and other registered users of the agencies to:

  • help make decisions about credit and credit related services, for You and members of Your household;
  • help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for You and members of Your household;
  • trace debtors, recover debt, prevent fraud and to manage Your Accounts and insurance polices;
  • check Your identity to prevent money laundering. Diners Club and the agencies may also use the information for statistical analysis about credit, insurance, fraud and to carry out market research. Details of the agencies are available from the individual referred to in clause 2 above. You have a legal right to these details.

4. Credit searches and other information that is provided to Us and/or the Credit Reference Agencies about You and those with whom You are linked financially may be used by other companies and Us if credit decisions are made about You or other members of Your household.

5. Information held about You by the Credit Reference Agencies may already be linked to records relating to one or more of Your partners. For the purposes of this application You may be treated as financially linked and Your application assessed with reference to any ”associated records”. If You have told Us of some financial association with another person, You are declaring that You are entitled to:

(a) disclose information about anyone else referred to by You;
(b) authorise us to search;
(c) link or record information at Credit Reference Agencies about You and anyone referred to by You.

6. An ”association” between You and anyone You tell us is Your financial partner will be created at the Credit Reference Agencies. This will link Your financial records, each of which will be taken into account in all future applications made either by You, or both of you. This will continue until one of you successfully files a disassociation at the Credit Reference Agencies.

7. Diners Club value Your privacy and have a policy (’Citi Privacy Program) to hold in confidence information about You and Your Account. However in certain circumstances, We may disclose this information, for example:

(a) if permitted by these Terms and Conditions or Your original application;
(b) if required to do so by any court order or similar process;
(c) if required or permitted to do so by law or by the rules of any regulatory body of which We are a member or whose rules or provisions apply to Us such as the Financial Services Authority or Office of Fair Trading;
(d) to the USA and other countries (where necessary) outside the EEA to administer and service Your Account. You understand that Data Protection laws are not as comprehensive in the USA and other countries as in the EEA. However, where such a disclosure takes place We will ensure a contract is in place to ensure the level of protection for Your data is maintained. Please telephone 08000 72 22 22 (UK) or 1800 654 213 (Eire) if You wish to receive details of those countries where Your data may be transferred to be processed;
(e) if We are under a public duty to disclose;
(f) if it is in Our own interests;
(g) at Your request or with Your consent.

8. We will verify and record information supplied by You as part of the fight against terrorism and to prevent money laundering activity.

9. Diners Club may disclose information about You to any Establishment and, subject to Your right to prevent such marketing activity, to selected third parties for marketing and promotional purposes.

10. Diners Club shall be entitled to disclose to Establishments and the Company details of any Charges incurred or any indebtedness that may exist between Diners Club and the Company. All information supplied shall be jointly owned by Diners Club and any Establishment from, through, by or with which the information originated.

11. Information about the Account may be transferred confidentially within Diners Club International, Diners Club Europe, CitiFinancial Europe plc, our Parent Company, Citigroup Inc. and their affiliates (“Our Group”) and the Company. This may require Diners Club to export Your data to the USA and other countries (where necessary) which are outside the EEA and do not maintain the same Data Protection laws as EEA countries. Please refer to 7 (d).

12. We may also disclose such details to organisations within Our Group or other third parties where it is reasonably necessary to do so for processing Your dealings with them or Us or to enable them to provide services to You.

13. If Your Account is closed for any reason we will hold Your information about You and Your Account for no longer than is absolutely necessary.

14. As part of Diners Club customer service and for staff training Diners Club may, from time to time, monitor and/or record telephone conversations. This will either be done by Diners Club or reputable agencies on its behalf.

15. Diners Club may provide information to the Company and, if different, Your employer about Charge activity, the status of Your Account and any default made under these Terms and Conditions. Diners Club may also contact the person appointed by the Company for all administrative enquiries about You and Your Account. The Company and, if different, Your employer is authorised to provide information about You to Diners Club for the purpose of assisting Diners Club in managing Your Account.

This is available, free of charge, in an alternative format for people who are visually impaired. Please call Diners Club on 0870 1900 011 or Type Talk on 18001 0870 909 4405.