Card Privacy Policy

Please read this Privacy Policy carefully before using this website ("the Site"). In this Policy "We", "us" and "our" means Thomas Cook Personal Finance Limited and "you" means the individual who is using the Site.

How do We collect information about you?

We collect personal and financial information which We get from you or from any third parties when you apply for a card or any other product or service or which you or they give us from time to time.

We'll also collect information about you when you register to use the services provided on this Site or when you contact us. We may also collect information through the use of cookies.

What are cookies?

Internet cookies are common and don't harm your system - they just store or gather site information. They help you do things online, like remembering logon details so you don't have to re-enter them when revisiting a site. There are two main types:

• Transient (or per-session) cookies.
  These only exist for your site visit and are deleted on exit. They recognise you as you move between pages, for example, recording items added to an online shopping basket. These cookies also help maintain security.
• Persistent (or permanent) cookies.
  These stay on your machine until expiry or deletion. Many are built with deletion dates to help ensure your hard drive doesn't get overloaded. These cookies often store and re-enter your information, so you don't need to remember membership details.

We use cookies to:

1. Gather customer journey information across our sites
2. Ensure your privacy in our secure sites
3. Store login details for our secure sites
4. Temporarily store details input into our calculators, tools, illustrations & demonstrations
5. Store details of your marketing, product & business unit preferences to improve our targeting & enhance your journey through our sites
6. Evaluate our sites advertising & promotional effectiveness (we own the anonymous data collected, which isn't shared with anyone).

We use both our own (first party) and partner companies' (third party) cookies to support these activities.

We don't use cookies to track people's Internet usage after leaving our sites and we don't store personal information others could read and understand. We will not sell or distribute cookie information without your prior consent.

Some of our services, including our credit card application and online account servicing require cookies in your browser to view and use them and to protect your financial and personal information.

Online account servicing

Our online account servicing application uses cookies to enable information about you and your preferences to be stored and to prevent unauthorised access to your account online.

Users must accept cookies - without them we can't ensure your data is secure (and people rejecting cookies can't use the service).

By "our/we/us/ours" we mean Thomas Cook Personal Finance Limited and its wholly and partly owned subsidiaries and any company in which it has an interest by way of shareholding or any company in a group of companies to which it may belong ('our group'). By “our sites” we mean any internet website operated by Thomas Cook Personal Finance Limited and any company in our group.

How We use your information

We (Thomas Cook Personal Finance Limited) will store and process your information on our computers and in any other way. By "your information" We mean personal and financial information We (a) obtain from you or from third parties, such as credit reference agencies (who may search the Electoral Register), fraud prevention agencies or other organisations when you apply for an account or any other product or service or which you or they give to us at any other time or (b) learn from the way you use and manage your account(s), from the transactions you make such as the date, amount, currency and the name and type of supplier (e.g. supermarket services, medical services, retail services) and from the payments which are made to your account.

We will share your information with the Barclays Group and with Thomas Cook UK Limited each of which will use your information to manage your account(s), give you statements and provide our services, for assessment and analysis (including credit and/or behaviour scoring, market and product analysis), and to develop and improve our services to you and other customers and protect our interests.

We and members of the Barclays Group and Thomas Cook UK Limited will use your information to inform you by letter, telephone (including automated dialling, digital television and sending text messages), or computer about products and services (including those of others) which may be of interest to you.

If you are not eligible for the Thomas Cook Credit Card at this time, you agree that We may use the information We obtain about you in connection with this application to send you details of alternative Thomas Cook Personal Finance Limited products and other products and services (including those of others) which may be of interest to you.

If you don't want to receive details of products and services from Thomas Cook Personal Finance Limited, you must write to Thomas Cook Credit Card, Customer Services, PO Box 6238, Basildon SS14 9WY. If you don't want to receive details of products and services from Thomas Cook UK Limited, you must write to Database Team, Marketing Department, Thomas Cook UK Limited, PO Box 2, 16 Coningsby Road, Peterborough PE3 8AB. If you don't want to receive details of products and services from companies within the Barclays Group, you must write to Barclaycard PO Box 5592, Northampton, NN4 1ZY. Please provide details of any financial or insurance products that you have with us when you contact us.

You can ask each of us for a copy of the information We keep about you. A fee will be charged for this service.

You agree that calls between us may be recorded and/or monitored.

We use credit reference agencies and fraud prevention agencies to:

• make enquiries when you ask for any lending products, or to assist us in managing your account, for example if We wish to consider changing your credit limit, or offering you other products, now or in the future;
• share information:
• about you and how you manage your accounts;
• if you give us false or inaccurate information or We suspect fraud.

Credit reference agencies keep a record of our enquiries and may record, use and give out information We give them to other lenders, insurers and other organisations. If false or inaccurate information is provided and fraud is suspected, details will be passed to fraud prevention and credit reference agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent and detect fraud, crime and money laundering and other crimes. Examples of circumstances when We would share your information or information relating to your partner or other members of your household include: checking details on applications for credit and credit related or other facilities, managing credit and credit-related accounts and facilities, recovering debt, checking details on proposals and claims for all types of insurance, checking details of job applicants and employees. Please contact the Barclays Group Information Line on 0800 400100 if you want to receive details of the relevant fraud prevention agencies. The information recorded by fraud prevention agencies may be accessed and used by organisations in the UK and in other countries.

We may give information about you and how you manage your account to the following:

• people who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential;
• anyone to whom We transfer or may transfer our rights and duties under this agreement;
• We may also give out information about you if We have a duty to do so or if the law allows us to do so.

Otherwise We will keep information about you confidential.

If We transfer your information to a service provider or agent in another country, We will make sure that the service provider or agent agrees to apply the same levels of protection as We are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us.

Thomas Cook Personal Finance Limited is committed to The Banking Code, which sets out the governing principles of a bank's dealings with its customers. You can obtain a free copy of the Banking Code from any branch of Barclays or by telephoning the Barclays Information Line free on 0800 400100.

How long will We keep your personal information on file?

We will not keep your information for longer than is necessary and will take steps to ensure that it is kept up to date. You have a right under the Data Protection Act 1998 to ask what information We hold about you. You can do this by writing to us at Thomas Cook Credit Card, Customer Services, PO Box 6238, Basildon, SS14 9WY.

Security

Please remember that Internet communications are not secure unless the data being sent is encrypted. We cannot accept any responsibility for unauthorised access by a third party or the corruption of data sent to us.

Customer feedback and complaints

If you've any questions or comments about privacy issues, or have a complaint about how We are using your personal data, please contact Thomas Cook Credit Card Customer services on 0845 30 111 03*. We are open from 8am-8pm from Monday to Saturday and 9am-5pm on Sunday.

*Call charges will apply. Please check with your service provider.