{"component": "clause", "props": {"groups": [{"snippet": "Should you have any queries or wish to discuss your data protection rights with us, please contact \u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587 at \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587@\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587 or on +\u2587.\u2587\u2587\u2587.\u2587\u2587\u2587.\u2587\u2587\u2587\u2587.", "snippet_links": [{"key": "to-discuss", "type": "definition", "offset": [36, 46]}, {"key": "your-data-protection-rights", "type": "clause", "offset": [47, 74]}, {"key": "please-contact", "type": "clause", "offset": [84, 98]}], "samples": [{"hash": "kiwKpnnsBHJ", "uri": "/contracts/kiwKpnnsBHJ#getting-in-touch", "label": "Subscription Agreement", "score": 36.3283468788, "published": true}, {"hash": "61w3to943KZ", "uri": "/contracts/61w3to943KZ#getting-in-touch", "label": "Subscription Agreement", "score": 34.8779443312, "published": true}, {"hash": "91iglvDQqFt", "uri": "/contracts/91iglvDQqFt#getting-in-touch", "label": "Subscription Agreement", "score": 31.4468103869, "published": true}], "size": 4, "hash": "74704f73de480fc665eafbe447cdb762", "id": 1}, {"snippet": "13.1. You can contact us during office hours by calling on \u2587\u2587\u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587 (inside Australia) and +\u2587\u2587 \u2587 \u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587 (outside Australia), by completing our call back request or by using any of the contact methods outlined on our website which can be found at \u2587\u2587\u2587.\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587/\u2587\u2587/\u2587\u2587\u2587\u2587-\u2587\u2587\u2587\u2587\u2587\u2587\u2587/\u2587\u2587\u2587\u2587\u2587\u2587\u2587-\u2587\u2587/.\n13.2. We will usually contact you using the primary email address or telephone number recorded on your World Account and may also contact you by letter using the address details you provide. By opening a World Account you agree that you have regular access to the internet, that you will check your incoming messages frequently and that you are able to store information sent to you by email in a Durable Medium for example by retaining for future reference an email sent to you by us. We may contact you in relation to your obligations under this Agreement by email or telephone and it is your responsibility to ensure that your contact details are correct, complete and up to date at all times.\n13.3. Any communication or notice sent to you by email will be deemed received by you on the same Business Day it was sent.\n13.4. Where legislation requires us to provide any document or information to you in a Durable Medium, you agree that we may either send you an email or send you another type of digital notification pointing you to information on our website in a way that enables you to retain the information in a format that can be retained permanently by you for future reference. You are required to keep copies of all communications we send or make available to you. A document or information referred to in this clause 13.4 includes but is not limited to our Financial Services Guide and any Product Disclosure Statement.", "snippet_links": [{"key": "contact-us", "type": "clause", "offset": [14, 24]}, {"key": "during-office-hours", "type": "clause", "offset": [25, 44]}, {"key": "contact-methods", "type": "definition", "offset": [191, 206]}, {"key": "our-website", "type": "definition", "offset": [219, 230]}, {"key": "primary-email-address", "type": "definition", "offset": [345, 366]}, {"key": "telephone-number", "type": "clause", "offset": [370, 386]}, {"key": "your-world-account", "type": "clause", "offset": [399, 417]}, {"key": "address-details", "type": "clause", "offset": [463, 478]}, {"key": "you-agree", "type": "clause", "offset": [519, 528]}, {"key": "access-to-the-internet", "type": "clause", "offset": [551, 573]}, {"key": "store-information", "type": "clause", "offset": [654, 671]}, {"key": "by-email", "type": "clause", "offset": [684, 692]}, {"key": "durable-medium", "type": "clause", "offset": [698, 712]}, {"key": "for-example", "type": "definition", "offset": [713, 724]}, {"key": "future-reference", "type": "clause", "offset": [742, 758]}, {"key": "in-relation-to", "type": "clause", "offset": [806, 820]}, {"key": "obligations-under-this-agreement", "type": "clause", "offset": [826, 858]}, {"key": "your-responsibility", "type": "definition", "offset": [891, 910]}, {"key": "to-ensure", "type": "clause", "offset": [911, 920]}, {"key": "your-contact-details", "type": "clause", "offset": [926, 946]}, {"key": "up-to-date", "type": "definition", "offset": [973, 983]}, {"key": "at-all-times", "type": "definition", "offset": [984, 996]}, {"key": "received-by", "type": "definition", "offset": [1068, 1079]}, {"key": "business-day", "type": "clause", "offset": [1096, 1108]}, {"key": "to-provide", "type": "definition", "offset": [1158, 1168]}, {"key": "type-of", "type": "definition", "offset": [1292, 1299]}, {"key": "information-on", "type": "clause", "offset": [1337, 1351]}, {"key": "the-information", "type": "clause", "offset": [1400, 1415]}, {"key": "you-are-required-to", "type": "clause", "offset": [1490, 1509]}, {"key": "keep-copies-of-all", "type": "clause", "offset": [1510, 1528]}, {"key": "available-to", "type": "definition", "offset": [1560, 1572]}, {"key": "in-this-clause", "type": "clause", "offset": [1616, 1630]}, {"key": "not-limited", "type": "clause", "offset": [1652, 1663]}, {"key": "financial-services-guide", "type": "definition", "offset": [1671, 1695]}, {"key": "product-disclosure-statement", "type": "definition", "offset": [1704, 1732]}], "samples": [{"hash": "iIE3bwnP0Zi", "uri": "/contracts/iIE3bwnP0Zi#getting-in-touch", "label": "Terms and Conditions", "score": 33.1576651245, "published": true}, {"hash": "4oOU9cZ9WLO", "uri": "/contracts/4oOU9cZ9WLO#getting-in-touch", "label": "Service Agreement", "score": 31.900352572, "published": true}, {"hash": "ifPgeEr8ouk", "uri": "/contracts/ifPgeEr8ouk#getting-in-touch", "label": "Terms and Conditions", "score": 31.3729014623, "published": true}], "size": 3, "hash": "667c0cb739aafc79e9c1bf89af5b152c", "id": 2}, {"snippet": "13.1. You can contact us during office hours by calling on +\u2587\u2587 \u2587\u2587 \u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587, by completing our call back request or by using any of the contact methods outlined on our website which can be found at \u2587\u2587\u2587\u2587\u2587://\u2587\u2587\u2587.\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587/uk/support/.\n13.2. We will usually contact you using the primary email address or telephone number recorded on your World Account and may also contact you by letter using the address details you provide. By opening a World Account you agree that you have regular access to the internet, that you will check your incoming messages frequently and that you are able to store information sent to you by email in a Durable Medium for example by retaining for future reference an email sent to you by us. We may contact you in relation to your obligations under this Agreement by email or telephone and it is for you to ensure that your contact details are correct and up to date at all times.\n13.3. Any communication or notice sent to you by email will be deemed received by you on the same Business Day it was sent.\n13.4. Where legislation requires us to provide information to you in a Durable Medium, we will either send you an email or send you a notification pointing you to information on our website in a way that enables you to retain the information in a format that can be retained permanently by you for future reference. You are required to keep copies of all communications we send or make available to you.\n13.5. We will communicate to you in English and will always accept communications made to us in English.", "snippet_links": [{"key": "contact-us", "type": "clause", "offset": [14, 24]}, {"key": "during-office-hours", "type": "clause", "offset": [25, 44]}, {"key": "contact-methods", "type": "definition", "offset": [136, 151]}, {"key": "our-website", "type": "definition", "offset": [164, 175]}, {"key": "primary-email-address", "type": "definition", "offset": [282, 303]}, {"key": "telephone-number", "type": "clause", "offset": [307, 323]}, {"key": "your-world-account", "type": "clause", "offset": [336, 354]}, {"key": "address-details", "type": "clause", "offset": [400, 415]}, {"key": "you-agree", "type": "clause", "offset": [456, 465]}, {"key": "access-to-the-internet", "type": "clause", "offset": [488, 510]}, {"key": "store-information", "type": "clause", "offset": [591, 608]}, {"key": "by-email", "type": "clause", "offset": [621, 629]}, {"key": "durable-medium", "type": "clause", "offset": [635, 649]}, {"key": "for-example", "type": "definition", "offset": [650, 661]}, {"key": "future-reference", "type": "clause", "offset": [679, 695]}, {"key": "in-relation-to", "type": "clause", "offset": [743, 757]}, {"key": "obligations-under-this-agreement", "type": "clause", "offset": [763, 795]}, {"key": "to-ensure", "type": "clause", "offset": [836, 845]}, {"key": "your-contact-details", "type": "clause", "offset": [851, 871]}, {"key": "up-to-date", "type": "definition", "offset": [888, 898]}, {"key": "at-all-times", "type": "definition", "offset": [899, 911]}, {"key": "received-by", "type": "definition", "offset": [983, 994]}, {"key": "business-day", "type": "clause", "offset": [1011, 1023]}, {"key": "provide-information", "type": "clause", "offset": [1076, 1095]}, {"key": "information-on", "type": "clause", "offset": [1200, 1214]}, {"key": "the-information", "type": "clause", "offset": [1263, 1278]}, {"key": "you-are-required-to", "type": "clause", "offset": [1353, 1372]}, {"key": "keep-copies-of-all", "type": "clause", "offset": [1373, 1391]}, {"key": "available-to", "type": "definition", "offset": [1423, 1435]}, {"key": "in-english", "type": "definition", "offset": [1474, 1484]}], "samples": [{"hash": "hh81aR00KUF", "uri": "/contracts/hh81aR00KUF#getting-in-touch", "label": "Terms and Conditions", "score": 32.8866657341, "published": true}, {"hash": "gYNnfag9i3w", "uri": "/contracts/gYNnfag9i3w#getting-in-touch", "label": "Service Agreement", "score": 30.2415078184, "published": true}], "size": 2, "hash": "3fd5d91dc3180bcf0266877477b66e78", "id": 3}, {"snippet": "Please email us at \u2587\u2587\u2587\u2587@\u2587\u2587\u2587\u2587.\u2587\u2587\u2587\u2587\u2587\u2587 for any enquiries about our Website.", "snippet_links": [{"key": "our-website", "type": "definition", "offset": [60, 71]}], "samples": [{"hash": "1EipqTQL683", "uri": "/contracts/1EipqTQL683#getting-in-touch", "label": "Website Terms of Use", "score": 26.1939568685, "published": true}], "size": 2, "hash": "5711095af1701974f5b7fc014cddd36e", "id": 4}, {"snippet": "If you need to contact us for any reason (including to notify us of a lost or stolen card or suspected misuse), these are our contact details: +\u2587\u2587 \u2587\u2587\u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587) (Relay UK 18001 0345 301 6264). You can also let us know about a lost or stolen card by visiting your nearest branch. Or write to us at: Royal Bank of Scotland Commercial Cards, \u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587, \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587-\u2587\u2587- \u2587\u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587.", "snippet_links": [{"key": "you-need", "type": "clause", "offset": [3, 11]}, {"key": "to-contact-us", "type": "clause", "offset": [12, 25]}, {"key": "for-any-reason", "type": "clause", "offset": [26, 40]}, {"key": "notify-us-of", "type": "clause", "offset": [55, 67]}, {"key": "lost-or-stolen-card", "type": "clause", "offset": [70, 89]}, {"key": "our-contact-details", "type": "clause", "offset": [122, 141]}, {"key": "let-us", "type": "clause", "offset": [206, 212]}, {"key": "royal-bank-of-scotland", "type": "definition", "offset": [298, 320]}], "samples": [{"hash": "hpf2YuIy9sF", "uri": "/contracts/hpf2YuIy9sF#getting-in-touch", "label": "Business Credit Card Agreement", "score": 24.1498973306, "published": true}], "size": 2, "hash": "dcdc4549626a771e20300e3dba36df4c", "id": 5}, {"snippet": "If you would like to contact us please do so via 01633 648888 or our main email addresses:", "snippet_links": [{"key": "to-contact-us", "type": "clause", "offset": [18, 31]}, {"key": "email-addresses", "type": "clause", "offset": [74, 89]}], "samples": [{"hash": "511ZlEXsyvW", "uri": "/contracts/511ZlEXsyvW#getting-in-touch", "label": "Service/Home Agreement for Home Garden Visit", "score": 26.4303658867, "published": true}], "size": 1, "hash": "1dce156b1b1a171e7570c94f2115531e", "id": 6}, {"snippet": "If you want to get in touch with us, please do so via email or our online contact options. We can also post things to you. It\u2019s important that we agree when exactly one of us \u2018receives\u2019 a communication for legal purposes (for example to help work out when a notice of termination becomes effective) \u2013 we reckon it\u2019s fair to give each of us one Business Day (that\u2019s a working day) to read such communications.", "snippet_links": [{"key": "contact-options", "type": "clause", "offset": [74, 89]}, {"key": "we-agree", "type": "clause", "offset": [143, 151]}, {"key": "a-communication", "type": "clause", "offset": [186, 201]}, {"key": "legal-purposes", "type": "clause", "offset": [206, 220]}, {"key": "for-example", "type": "definition", "offset": [222, 233]}, {"key": "a-notice-of-termination", "type": "clause", "offset": [256, 279]}, {"key": "business-day", "type": "clause", "offset": [344, 356]}, {"key": "working-day", "type": "definition", "offset": [367, 378]}], "samples": [{"hash": "4wWGadx9XB1", "uri": "/contracts/4wWGadx9XB1#getting-in-touch", "label": "Gocardless Integration Partner Agreement", "score": 27.5968514716, "published": true}], "size": 1, "hash": "58cd65e9aeef6f19888b1eb5c511b5e4", "id": 7}, {"snippet": "Any notice or other communication required to be given to a Party under or in connection with this Agreement must be sent in the manner set out in this Agreement. All notices to GoCardless must be sent via email to \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587@\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587.", "snippet_links": [{"key": "any-notice", "type": "definition", "offset": [0, 10]}, {"key": "other-communication", "type": "clause", "offset": [14, 33]}, {"key": "a-party", "type": "clause", "offset": [58, 65]}, {"key": "in-connection-with", "type": "clause", "offset": [75, 93]}, {"key": "set-out", "type": "definition", "offset": [136, 143]}, {"key": "in-this-agreement", "type": "clause", "offset": [144, 161]}, {"key": "notices-to", "type": "clause", "offset": [167, 177]}], "samples": [{"hash": "b8l33Wn1D5O", "uri": "/contracts/b8l33Wn1D5O#getting-in-touch", "label": "Connected Merchant Agreement", "score": 32.5962539862, "published": true}], "size": 1, "hash": "a0225848a17d3a0da1eeb33f08881fa7", "id": 8}, {"snippet": "We\u2019ll only ever communicate with you in English.", "snippet_links": [{"key": "communicate-with-you", "type": "clause", "offset": [16, 36]}, {"key": "in-english", "type": "definition", "offset": [37, 47]}], "samples": [{"hash": "7QbJcWAlyh5", "uri": "/contracts/7QbJcWAlyh5#getting-in-touch", "label": "Credit Card Agreement", "score": 23.8336755647, "published": true}], "size": 1, "hash": "0e7725f55e3b72b0e89446337ad5b72b", "id": 9}, {"snippet": "We'll only ever communicate with you in English. If you ever need to get in touch with us for any reason, you can contact us: \u2022 Online at \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587.\u2587\u2587/\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587/\u2587\u2587\u2587\u2587\u2587\u2587\u2587-\u2587\u2587 \u2022 Over the phone on \u2587\u2587\u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587 (from a landline) or \u2587\u2587\u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587 (from a mobile) \u2022 By post at Barclaycard, PO Box 9131, \u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587, \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587, \u2587\u2587\u2587\u2587 \u2587\u2587\u2587 If your request needs written confirmation, we may ask you to write to us. Please keep us up to date with the name, address, email address, landline number, mobile number, nationality and date of birth for you and your additional cardholders. These contact details must be UK-based. If you (or any additional cardholders) are living overseas, please let us know so that we can contact you. We may close your account if you are living overseas but will give you notice in line with these terms and conditions if we do this. Please get in touch with us straight away if you think there's anything wrong with your account. If we don't meet our obligations under this agreement due to events outside of our control - such as machine failure, industrial disputes or because we have to keep to a relevant law - we won't be responsible for any losses and costs caused. To make a complaint, please contact us using the above phone number or address. If anything's unclear or if you're unhappy with the way we handle your complaint, please get in touch with the person or department who handled your complaint and they'll do everything they can to answer your questions and reach an agreement. If you're still unhappy and you've received a final response letter from us, you can ask for a review from the Financial Ombudsman Service. \u2022 \u2022 \u2022 \u2022 The Financial Ombudsman Service, \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587, \u2587\u2587\u2587\u2587\u2587\u2587, \u2587\u2587\u2587 \u2587\u2587\u2587 0800 023 4567 (from a landline) or \u2587\u2587\u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587 (from a mobile) \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587\u2587@\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587-\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587.\u2587\u2587 The law of England and Wales applies to these terms. Any dispute about this agreement can be dealt with by an English or Welsh court unless your address is in: \u2022 Scotland (where it will be dealt with by the courts of Scotland) \u2022 Northern Ireland (where it will be dealt with by the courts of Northern Ireland) By 'information we hold about you', we mean personal and financial information about you we collect, use, share and store. This may include contact information, financial information and details about your health and lifestyle. It includes information about any other Barclaycard, partner and Barclays products and services you currently have, you've applied for or you've previously held. This information comes from the way you do business with us such as: \u2022 Using our telephone services, websites or mobile applications \u2022 If you write to us \u2022 When you apply for our products and services or enter into competitions or promotions \u2022 The way you use your accounts, including information about payments you make or receive, such as the date, amount, currency and details of the supplier, and \u2022 Through social media This information may also come from other organisations or people, such as employers, joint account holders, credit-reference agencies (who may check the information against other public and private databases that they have access to) or fraud-prevention agencies or anyone whose name or logo appears on your card. If you download any of our mobile applications or use our websites or digital services, we may gather information about how you access and interact with these services, such as your internet protocol (IP) address and information about the devices or software you use. We may also make other requests or give you more details about how we use your information - for example, we may ask for location data to find nearby services. We collect this information to provide our services to you and to help us develop new and improved products and services to meet the needs of our customers. We also use your information for security, to check your identity and for training, to communicate with you and for legal reasons. We may use automated processes whenever we use your information. Specifically, we and other Barclays companies may use your information do the following; \u2022 Check your eligibility when you apply for our products or services. This may involve us checking your identity, details, and other accounts - including anyone else who is applying at the same time, and/or anyone who is financially linked with you. This includes other owners, directors or partners in a small business. See the 'Links with other people' section below for more information \u2022 Manage your application and accounts with us or with other Barclays companies, including administering payments, improving the accuracy of your information, and letting you know about the features and benefits of the products and services we provide or can provide to you \u2022 Manage and provide any rewards or offers, as well as deal with any promotions or competitions \u2022 Carry out regulatory checks and meet our obligations to our regulators \u2022 Protect ourselves against harm to our rights and property interests \u2022 Develop and improve our services by assessing and analysing information, including credit or behavioural scoring (or both), market and product analysis, and market research \u2022 Prepare high-level statistical reports which would contain details such as the percentage of people using the Tube in London. We compile these reports from information about you and other customers - but the information used in these reports is never personal and you'll never be identified from them. We may share these reports with others, including non-Barclays companies \u2022 Prevent and detect fraud, money laundering and other crime (such as identity theft) \u2022 Use your mobile phone data to check if you're in the place where your payments are being made. This can help prevent fraud on your account and reduce the likelihood of your payments being rejected. We won't use this information for any other purpose. You can ask us to stop doing this by contacting us through your preferred method of communication \u2022 Improve the relevance of marketing messages we may send you (which you can opt out of, as explained below) We may also use your information in any other way set out in the Terms and Conditions for any of our products or services you hold. We may monitor, record and analyse any communications between you and us, including phone calls. We'll do this to check your instructions to us, to prevent and detect fraud and other crime, to analyse, assess and improve our services to customers, as well as for training and quality purposes. We'll send you messages by post, phone, text, email and other digital methods, for example via our mobile applications or digital services (and new methods that may become available in the future). These messages may be: \u2022 To help you manage your accounts \u2022 Those we need to send to meet our regulatory obligations, such as changes to this agreement, and to provide you with information you need to manage your account \u2022 To keep you informed about the features and benefits of the products and services you hold with us \u2022 Details of alternative products, including those of other companies if you're not eligible for a Barclaycard, or \u2022 To tell you about products and services (including those of others) which may interest you - these are marketing messages You can ask us to stop or start sending you marketing messages at any time by logging onto mybarclaycard online account servicing to update your preferences, or by calling us on the number on the back of your card. You can also do this by writing to us at: \u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587, \u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587, \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587 \u2587\u2587\u2587. If your card is issued with another organisation (for example, a hotel or airline), you'll also need to contact them directly to change any marketing preferences they hold. Unless you give permission, we'll never pass your information to anyone else for them to use in their own direct marketing. We'll keep your information confidential but we may share it with the following (who also have to keep it secure and confidential): \u2022 Other Barclays companies \u2022 Other companies who provide a service to you, such as where you use your card to make a payment \u2022 Any company we're providing services with or whose name or logo appears on a card issued to you, such as a hotel or airline partner or card scheme \u2022 Our service providers and agents \u2022 Anyone we transfer or may transfer our rights and duties in this agreement to We can also share your information with the following: \u2022 UK and overseas regulators and authorities in connection with their duties (such as crime prevention) - for example, because the way certain payments work means the regulator or authority may be able to access payment details (including information about others involved in the payment). In instructing us to make payments, you agree to this for yourself and others involved in your payments. \u2022 Fraud-prevention agencies. In particular, we'll always tell fraud-prevention agencies if you give us false or fraudulent information, and we may ask them for information on any addresses that you've lived and on your business (if you have one). They'll also allow other organisations (in the UK or abroad), including law-enforcement agencies, to access this information to prevent and detect fraud, money laundering or other crimes, or to check details of job applications and employees. You can write to us for the details of the fraud-prevention agencies that we share information with \u2022 Any other person or organisation after a restructure, sale or acquisition of any Barclays company, as long as that person uses your information for the same purposes as it was originally given to us or used by us (or both) \u2022 Credit-reference agencies (as set out below) \u2022 If we have a duty to reveal it, if it is needed to manage your accounts or a law or regulation allows us to do so, for legitimate business purposes, or with your permission When we share information with organisations in another country, we'll make sure they agree to apply equivalent levels of protection as we do or, if this isn't possible (for example because, by law, we have to reveal the information), we'll make sure sharing that information is lawful. We'll share your information with credit-reference agencies and fraud-prevention agencies, and we may ask these agencies to give us information about you. This may affect your ability to get credit. We'll share and ask for information even if your application doesn't go ahead or is unsuccessful. Credit-reference agencies may use your information to analyse statistics, and for testing and development to improve their existing and future products and services. We may ask credit-reference agencies for information on your previous applications for credit and credit-related products and services, information about accounts in your name and the name of any person who is associated with you. We may also ask for publicly available information such as county court judgments (CCJs) and bankruptcies, information from the electoral register and fraud-prevention information. Examples of when or why information is shared between us, credit-reference agencies and fraud-prevention agencies include: \u2022 When you apply for our products and services or at any point after you've applied for our products and services \u2022 Checking that the details on applications for products and services are correct \u2022 Checking your details and credit history and confirming your identity \u2022 Understanding your financial position by sharing and receiving information, for example, about any borrowing (including borrowing outside Barclaycard) and how you manage it (including the amount you borrow and your payment history, including any outstanding debts, payment arrangements, and if you've borrowed and not repaid in full and on time) \u2022 Recovering debt and identifying your whereabouts \u2022 If you give us false or inaccurate information or we suspect or identify fraud, money laundering or other crimes \u2022 Managing your accounts, for example if we or you consider changing your credit limit, or to offer you other products, and \u2022 Any other reason set out in our Terms and Conditions Records we share with credit-reference agencies will stay on file for six years after they're closed, whether you've settled the debt or failed to pay it off. If you would like to know about the information the credit-reference agencies hold about you, you should contact them directly - but please note, they'll charge you a fee for this service. Not every agency will hold the same information, so you should consider contacting them all. You can contact: \u2022 CallCredit, Consumer Services Team, \u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587, \u2587\u2587\u2587\u2587\u2587, \u2587\u2587\u2587 \u2587\u2587\u2587, or call \u2587\u2587\u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587 (personal credit data only) or log on to \u2587\u2587\u2587.\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587.\u2587\u2587 \u2022 Equifax Ltd, Customer Service Centre, \u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587, \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587, \u2587\u2587\u2587 \u2587\u2587\u2587, or call \u2587\u2587\u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587 or log on to \u2587\u2587\u2587.\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587.\u2587\u2587 \u2022 Experian, Consumer Help Service, \u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587, \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587 \u2587\u2587\u2587, or call \u2587\u2587\u2587\u2587 \u2587\u2587\u2587 \u2587\u2587\u2587\u2587 or log on to \u2587\u2587\u2587.\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587.\u2587\u2587 You may be charged to call these numbers. 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