Privacy

We may collect and process the following information about you ("Your Information"):

• Information that you provide by filling in forms on our Site. This includes information you provide when you apply for an account with us or for any of our other products and services and when you register for and use our online services. We may also ask you for information if you report a problem with our Site or if you contact us and request assistance when using our Site.
• The contents of any correspondence you send us.
• Details of transfers to and from your accounts.
• Details of your visits to our Site including, but not limited to, traffic data, location data, web logs and other communication data, whether this is required for our own purposes or otherwise and the resources that you access.
• Information obtained from you or third parties such as employers, joint account holders, credit reference agencies, fraud prevention agencies or other organisations when you apply for an account with us or for any of our other products or services or which you or they give to us at any time.

For the same reason, we may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. They help us to improve our Site and to deliver a better and more personalised service. They enable us:

• To store information about your preferences, and so allow us to customise our Site according to your individual interests.
• To make it easier for you to log on and use the Site during future visits.

You may refuse to accept cookies by activating the setting on your internet browser which allows you to refuse the setting of cookies. Please refer to your internet browser's help section for specific instructions. However, if you select this setting you may be unable to access certain parts of our Site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our Site.

Please note that our advertisers may also use cookies, over which we have no control.

For more information about cookies (including how to set your browser to reject cookies) please visit the website set up by the Interactive Advertising Bureau (Europe) at www.allaboutcookies.org

• The information that we collect from you may be transferred to, stored and processed by another company in the State Bank of India group of companies or a service provider or agent in another country including countries outside the European Economic Area ("EEA"). We will make sure that the group company, service provider or agent agrees to apply the same levels of protection as we are required to apply to Your Information and to use Your Information in accordance with our instructions.
• All information you provide to us is stored on our secure servers. Any payment transactions will be similarly secure. Where we have given you (or where you have chosen) a user name, passcode and memorable word which enables you to access certain parts of our Site, you are responsible for keeping this user name, passcode and memorable word confidential. You must not to share these with any one.
• Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect Your Information, we cannot guarantee the security of Your Information transmitted to our Site; any transmission is at your own risk. Once we have received Your Information, we will use strict procedures and security features to try to prevent unauthorised access.

We use Your Information in the following ways:

• To ensure that content from our Site is presented in the most effective manner for you and for your computer.
• To process your application for and set up your accounts and to process your application to use our on-line services.
• To manage your accounts.
• To give you statements and to provide you with services available through our Site including the service which enables you to manage your accounts on- line.
• To verify your identity and make financial risk assessments including anti money laundering checks and for crime and fraud prevention purposes.
• To meet our regulatory compliance and reporting obligations.
• To provide you or permit selected third parties to provide you with information, products or services that you request from us or which we or they consider may be of interest to you, where you have consented to be contacted for such purposes.
• To carry out our obligations in respect of the provision of your accounts and the provision of our on-line services.
• To enforce any of our rights against you.
• To enable us to carry out assessment and analysis (including credit and/or behaviour scoring, market and product analysis).
• To develop and improve our services to you and notify you about changes to our services.

We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users. We may also use such aggregate information to help advertisers reach the kind of audience they want to target. We may make use of Your Information to enable us to comply with our advertisers' wishes by displaying their advertisement to that target audience.

If you contact us on 0207 600 6444 when using any of our services, we will verify your identity by asking you a number of questions based on information known to us about you. We will let you know if we record your telephone conversation with us.

We may disclose Your Information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries.

We may disclose Your Information to third parties:

• In the event that we sell or buy any business or assets, in which case we may disclose Your Information to the prospective seller or buyer of such business or assets and we will ensure that the prospective seller or buyer treats Your Information as confidential.
• If a third party acquires State Bank of India or substantially all of its assets, in which case information held by State Bank of India about its customers will be one of the transferred assets. We will ensure that the third party treats Your Information as confidential.
• If we are under a duty to disclose or share Your Information in order to comply with any legal or regulatory obligation, or as part of legal proceedings, or in order to enforce or apply our Terms and Conditions which apply to your accounts or to protect the rights, property, or safety of State Bank of India, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
• If we use third parties to process Your Information on our behalf, for example, we use third parties to host the Site and to maintain our IT systems. Where we use third parties to process Your Information on our behalf we will ensure that they have adequate security measures in place to safeguard Your Information.
• When you have consented to be contacted for such purposes, we will disclose Your Information to carefully selected third parties for marketing purposes so that they can contact you about products or services that they think may be of interest to you.
• The third parties may include credit reference and fraud prevention and law enforcement agencies and identity and address verification agencies who may record and use Your Information and disclose it to other organisations for debt tracing, fraud and money laundering prevention purposes.

You have the right to ask us not to process Your Information for marketing purposes. We will only use Your Information for such purposes where you have consented to

this. If you do not want to receive any marketing information from us and you wish us to stop using Your Information for marketing purposes, please contact us at customerservices@sbilondon.com.

If you would like to update or amend Your Information, please contact us at customerservices@sbilondon.com.

Our Site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal information to these websites.

You have the right to request a copy of Your Information and to have any inaccuracies corrected. We will ask for confirmation of identity before we disclose any of Your Information and may charge an administration fee to meet our costs in providing you with details of the information we hold about you. Please address requests to: customerservices@sbilondon.com.

Any changes we may make to our Privacy Policy in the future will be posted on this page. It is important that you review this Privacy Policy regularly to ensure that you are aware of any updates.

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to chief.acct@sbilondon.com