This policy explains how we use any personal information that you provide to us through our website. Please read it carefully. Our policy changes over time and new changes are updated on this page, so please check back frequently.
We may collect and process the following information about you:
You may provide us with information in several ways, including by filling in forms on our website or by corresponding with us by phone and email. This includes information you provide when you register with us, sign up to receive our newsletters, conduct a product search on our website, enter any competition, promotion or survey or provide feedback on our services.
The personal information that you provide may include your name, address, email address, phone number, financial information and other information about you to enable us to provide you with our product search and other services.
When you use our website, we automatically collect information about your device, including your IP address, information about your visit (including how you got to our websites) and how you use our services. We may combine this information with other information you have provided to us or which we have received from other sources.
If you use any of the other of our subsidiary websites or services, we may receive information about you or your device in relation to that use, including your IP address, information about your visits and how you use the services.
We work closely with third parties (for example, business partners, advertising networks, analytics providers and search information providers) and may receive information about you from them. This could include socio-demographic information and information about your likely interests based on your previous web browsing and purchases. We may combine this information with other information you have provided to us or which we collected about you.
We use your personal information for the following purposes:
Providing our services to you and fulfilling your requests
Providing you with the information, products and services you request from us or another of our subsidiary companies (including providing you with product search and advice services).
We allow you to participate in our interactive features when you choose to do so.
Providing you and others with information about goods and services that we, other of our subsidiary companies or third parties offer that may interest you or them, which may be based on inferences about your or their likely interests based on your activity on websites operated by us and our subsidiary companies or third parties.
Customising or enhancing your experience of our services, which may use inferences about your likely interests based on your activity on websites operated by us, our sibsidiary companies or third parties.
Delivering relevant advertising to you on websites operated by ZPG Companies or third parties or in direct communications from us, which may use inferences about your likely interests based on your activity on websites operated by ZPG Companies or third parties.
Measuring and understanding the effectiveness of advertising we serve to you and others.
Ensuring that our content is presented in the most effective manner for you and your device.
Administering our website and for internal business administration (for example, troubleshooting, data analysis, testing, research, statistical and survey purposes).
Protecting our interests and those of third parties and as part of our efforts to keep our services safe and secure.
Managing your preferences (for example, your subscription to our newsletter) and account with us.
Our legal basis for processing your personal information for the purposes described above will typically be one of the following:
It is necessary for us to process your personal information to perform a contract to which you are a party, or to take steps at your request prior to you entering into a contract.
You have consented to us using your personal information for this purpose (for example, when you create an account with us, agree to receive marketing emails from us or create an alert). You can withdraw your consent at any time by deleting the information from your account or updating your marketing preferences.
It is in our legitimate interests to use your personal information to operate, improve and promote our services (for example, when we customise your experience of our services or use your information for analytics purposes) and to protect our business. Sometimes, we may process your personal information when it is in the legitimate interests of another company, such as any of our subsidiary companies.
It is necessary for us to use your personal information for us or another of our subsidiary company to comply with a legal obligation.
We share IT infrastructure with other of our subsidiary Companies, and so we may share your personal information with those companies to help store your data efficiently and securely. Other of our subsidiary companies may access your personal information to help provide you with services that you request from those the companies (for example, to help you manage your home) and to provide you with relevant recommendations of other services and products. These recommendations may use inferences about your interests based on your activity on our website and on other websites and apps operated by other Companies.
Product suppliers and brokers: to help you find and buy our partners' products and services
We provide your personal information to the brokers and suppliers whose products and services are listed on our website to help you find and buy their products and services. When you buy products or services from these suppliers, their own privacy policies will apply to how they use your personal information. You can find these privacy policies on their websites and you should check that you are happy with them before completing your transaction.
We use some third parties to perform searches on our websites for quotes and to provide eligibility checkers for some financial products. They will use your personal information in accordance with their own privacy policies. Details of these third parties and their privacy policies are set out below.
The eligibility checkers on our website will perform a soft credit search before providing you with an indication of your eligibility for a product. These searches may be recorded by credit reference agencies but will not affect your credit rating. For more information on how these searches work, read our guide.
If you go on to apply for a financial product in relation to which you have done an eligibility check, the eligibility check provider may pass your information to the supplier to help you complete your application quicker.
If you go on to apply for a financial product in relation to which you have done an eligibility check, the eligibility check provider may pass your information to the supplier to help you complete your application quicker.
Our service providers: to help us run our business and perform services you request
We may provide your personal information to our business partners, suppliers and subcontractors who provide services to us or where necessary to perform a service that you have requested.
Advertisers and advertising networks: to serve relevant adverts to you and others.
We may provide your personal information to our partner advertisers and advertising networks that require that information to select and serve relevant adverts to you and others.
Analytics and search engine providers: to help us improve our services
We may provide information about your visit to analytics and search engine providers to help us improve and optimise our services. We generally only share this information in a form that does not directly identify you.
We may also share your personal information with third parties for the following reasons:
If we sell or buy any business or assets.
If we sell or buy any business or assets, we may disclose your personal information to the prospective seller or buyer of that business or those assets, along with its professional advisers.
We may disclose your personal information to obtain professional advice (for example, from lawyers or financial advisors).
To comply with a legal obligation
We may disclose your personal information if required to do so by law or in response to a request from law enforcement or another regulatory authority. We may disclose your personal information to enforce our agreements with you or to protect the rights, property or safety of FundsTrust Bank, its users or others. This includes sharing personal information with other organisations for fraud prevention purposes.
We may transfer, store or process your personal information outside of the European Economic Area ("EEA"). The laws in some countries may not provide as much legal protection for your personal information as in the EEA.
By submitting your personal information, you agree to this transfer, storing or processing. Where we use service providers outside the EEA, we rely on approved data transfer mechanisms (for example, the EU Standard Contractual Clauses and the EU-US Privacy Shield) to ensure that your personal information is adequately safeguarded in the recipient country.
Unfortunately, transmission of information over the internet is not completely secure. We will do our best to protect your personal information, but we cannot guarantee its security and any transmission is at your own risk. Once we have received your personal information, we will use strict procedures and security features to try to prevent unauthorised access.
We keep your personal information for as long as is necessary for the purposes for which it is processed. These periods vary depending on the nature of the information and your interactions with us. You can delete the information that ridgeWater Bank holds about you by contacting us using the details below.
We use cookies and other similar technologies to distinguish you from other users of our websites and apps (including when you browse third party websites). This helps us to provide you with a good experience when you use our services (for example, to remember your login details and improve our services). We also use cookies and similar technologies to show you more personalised advertising, including FundsTrust Bank ads on other websites. You may adjust the settings on your browser to refuse cookies but some of our services may not work if you do so. For detailed information on the cookies we use and why we use them, please read our Cookie Policy.
Opting out of collection of information by third party advertisers.
Our third party advertisers and advertising network providers ("Ad Providers") may provide you with ads on our websites and apps or on other websites. To make those ads more relevant and help measure their effectiveness, the Ad Providers may use cookies and similar technologies. They record your activity (including pages visited) and estimate what information interests you most. They use this information in accordance with their own privacy policies. For a link to each of those policies and for information about how to opt out, please read our Cookie Policy.
You have the right to ask us not to process your personal information for marketing purposes. You can do this at any time by updating your email preferences by clicking on the "unsubscribe" link in any marketing email we send you or by contacting us using the details below.
Data protection law gives you the right to access your personal information, to object to the use of your personal information for certain purposes, and the right to erase, restrict or receive a machine-readable copy of your personal information. To access, update and delete the personal information we hold about you, please email or contact us using the address below.
We will handle your request in accordance with the law. This means there may be legal reasons why we cannot fulfil all requests.
Our websites and apps may contain links to other websites. This privacy policy does not apply to those other websites and we do not accept liability for the content of any other website. Please check the privacy policy of any other website before submitting any personal information to it.