This is our Privacy Statement. It explains how this site obtains, uses and keeps information about you. At Abbey International we are committed to keeping your personal information secure and confidential both online and offline.

Data Protection
If you apply for an account, we will use your personal data in accordance with the consents that you give us when you open the account.

To enable us to provide and operate the accounts and associated services, information supplied by you to us at any time may be provided to companies associated with providing services, for example, agents acting on our behalf such as card processors, card manufacturers and market research agencies.

To help us improve our service, we may record or monitor telephone calls.

Subject to our understanding of local advertising regulations of the country of your correspondence address, any information provided may be used to advise you, by post, telephone, or other electronic media, of any products and services that Abbey International think may be of interest to you, unless you tell us otherwise.

Any information provided may be used by Abbey International in providing any service to you and to confirm, update and enhance our records. Checks may be made with a credit reference agency.

You have the right of access to certain personal records that we hold about you, as provided under the Data Protection (Jersey) Law 2005. If you wish to exercise this right, you should write to The Manager (Data Protection), Abbey International, PO Box 545, St. Helier, Jersey JE4 8XG. We may charge you for providing this service.

Sources of information
Whilst browsing and interacting with this website, there are several ways in which we can capture information generated by your actions, either directly or indirectly. These sources are explained in the "Browsing the 'freely accessible' areas of the website" and the "Browsing the encrypted (secure) areas of the website" sections and we have detailed how and why we capture this information and subsequently what we do with it.

Browsing the 'freely accessible' areas of the website
'Freely accessible' sections of the website are those that inform you of our accounts and services. It excludes those areas where you undertake other transactional services, for example the Internet Banking Service.

We use Independent companies to measure and analyse how people use the ‘freely accessible’ areas of the website. They use ‘cookies’ to gather and collate information such as the number of pages viewed on the site, the number of visitors and common ways of arriving at or leaving the site. Doing this enables us to keep our content and navigation fresh and useful.

We don’t and won’t link any information collected by these outside agencies with any personal information collected about you on the website.

What is a cookie?
A cookie is a small file that can be saved onto your computer when you visit a website. Abbey International’s site-tracking cookies don’t contain name or address information, but they do contain:

• A uniquely generated random number – so that we differentiate one visitor from another.
• The date and time of your last visit to the website.

We use two main types of cookie:

• Permanent cookies : These are the ones stored on your computer to track repeat visits and and where you’ve been on the site.
• Temporary cookies : These are used to make sure that services like Internet Banking work properly. When you close your browser down they are deleted from your computer.

Your web browser lets you turn off both permanent and temporary cookies. However, if you do disable cookies you might not be able to use some of the services on this website.
If you want to turn off cookies on your browser, follow the instructions below and select the ‘disable/reject’ options at the end.
If you’ve turned off cookies on your browser but want to turn them back on again follow these simple steps specific to your browser version) and then choose ‘accept’.

Microsoft Internet Explorer v5
To enable cookies using Internet Explorer v5:
1) Click on the 'Tools' menu.
2) Select 'Internet Options'.
3) Click on the 'Security' tab. and choose the 'Custom Level' button.
4) Find the 'Cookies' option and enable both types, 'stored...' (Permanent cookies) and 'per session...' (Temporary cookies).

Microsoft Internet Explorer v6
To enable 'cookies' using Internet Explorer v6:
1) Click on the 'Tools' menu.
2) Select 'Internet Options'.
3) Click on the 'Privacy' tab and choose the 'Advanced options' button .
4) Check the 'Override automatic cookie handling' tick-box.
5) Enable the 'First party' cookies by choosing the 'Accept' or 'Prompt' option.
6) Enable the 'Third party' cookies by choosing the 'Accept' or 'Prompt' option.

Netscape Navigator v4 and above
To enable cookies using Netscape v4 and above:
1) Click on 'Edit' on the menu bar and select 'Preferences… ',
2) Choose the 'Advanced' category,
3) Choose the 'Accept all cookies' option and click OK to confirm.

Application Forms
It is possible via the website to download, print and complete an application form. However, no personal details are captured or stored by us until a completed and signed application form has been received via the post. If you complete an application form, you should read the account Terms and Conditions before you sign the declaration. By signing the declaration you are confirming that you have read, understood and agree to the Terms and Conditions.

Postal Brochure Requests
It is possible via the website to request a brochure. In order to fulfil these requests we collect some personal information from you. Please be aware that your details are not transmitted using encryption technology and there is a risk of unauthorised viewing whilst in transit across the Internet.

General Comments
When you e-mail us from www.abbeyinternational.com we will collect some personal details such as name and address, in order to fulfil your request. Internet e-mail is not secure so we do advise that you keep personal information to a minimum, as we cannot guarantee its security while in transit over the Internet. Do not transmit account information using e-mail.
Once your query is resolved, the e-mail is stored on our standard internal contact systems behind our secure infrastructure and cannot be accessed by external parties. We store this information for an indefinite period of time in order to identify trends and to track ongoing queries.

From within the Internet Banking Service
Within the secure and encrypted environment of the Internet Banking Service, it is possible to send a message to our Customer Relationship Centre. Although the message is protected by the encryption security, this facility must not be used to instruct payments, transactions, or amendments to your account(s). Any instructions received using this facility will not be processed.

Browsing the encrypted (secure) areas of the website
You can identify secure areas by looking for the padlock symbol in the bottom right hand corner of your web browser.

Internet Banking Service
Our Internet Banking Service operates from secure systems within Abbey International and because you are accessing your accounts remotely we have added extra layers of security for your added peace of mind.
Prior to entering your logon credentials we take you to a secure part of our computer system. Subsequent messages sent to and from this system are protected by 128-bit SSL (Secure Socket Layer) technology.
In addition, we have introduced a 'Peace of Mind Guarantee'. When using the Abbey International Internet Banking Service we will cover any losses from fraud - guaranteed. Just as long as you have taken the necessary safeguards to keep your Membership Number, Internet Login Password and Security Code secret and haven't deliberately involved yourself in fraud.
All our online transactional services are protected by 'firewalls'. This technology monitors and prevents any unauthorised access to our back-end systems ensuring that ‘hackers’ cannot access all your account/personal details.

Legal statement about this Privacy Statement
This Privacy Statement is not designed to form a legally binding contract between Abbey International and users of our website or online services. Instead it’s a guide on to our online protection standards – although of course we do consider it of utmost importance to abide by the principles stated here.

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