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- working out financial and insurance risks by credit scoring;working out financial and insurance risks by credit scoring;
- verifying your identity and eligibility for products, and the identities of joint applicants and other insured persons;verifying your identity and eligibility for products, and the identities of joint applicants and other insured persons;
- assessing your creditworthiness or insurance risk;assessing your creditworthiness or insurance risk;
- managing your policy, including contacting you by phone, post, email, SMS and via our apps through push notifications (messages that pop up on your device) to give you information about your policy;managing your policy, including contacting you by phone, post, email, SMS and via our apps through push notifications (messages that pop up on your device) to give you information about your policy;
- providing you with quotations and any additional terms of cover and maintaining and updating your policy;providing you with quotations and any additional terms of cover and maintaining and updating your policy;
- providing cover to you under your policy;providing cover to you under your policy;
- awarding Clubcard points. awarding Clubcard points.
We use algorithms and computer programs to make decisions about whether you are eligible for a product and what terms we can offer you. You can find out more information here.
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Because we have a contract with you, we have to use your data in this way as a necessary part of that contract.
Once you no longer have the product, we keep your data for a period of time afterwards as part of our legitimate interests in case needed for a complaint or regulatory enquiry and to help us to lend responsibly, and work out the right price for our insurance products.
If you want to ask us to review a decision which we have made based on an algorithm, you can ask us any time.
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We will process your information if you make a claim on your policy, or if you are involved in a claim (for example, as a witness).
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If we have a contract with you as a policy holder then we have to use your data in this way to handle claims in accordance with the policy terms. We also need to process data based on our legitimate interests in assessing, investigating and paying claims and in managing the claims process. We may also have a legal or regulatory obligation.
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We carry out fraud checks to protect our customers and prevent crime. We use algorithms and computer programs to analyse transactions and data in applications to check for fraud. You can read more about our fraud prevention checks here.
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The law requires us to do this as we have responsibilities to prevent financial crime. We
also act in our legitimate interests to protect our business and customers. If you want to ask us to review a decision which we have made based on an algorithm, you can ask us any time.
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We may access information from third parties such as credit reference agencies to get up to date contact details where we need these to recover money owed to us. If you are ever concerned about paying your debts, please contact us.
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We act in our legitimate interests as we need to recover money owed to us to enable us to operate our business.
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We use call recordings to prevent fraud, for staff training and to manage customer complaints.
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We act in our legitimate interests as call recordings help us to meet our responsibilities to combat fraud, provide good customer service and respond to complaints.
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We use algorithms and computer programs to analyse customer data by creating customer segments and scoring. We use customer data from our products, Clubcard data and data from declined applications. We sometimes combine your data with data from our partners to help us in our analysis. This will only happen where those partners have ensured that passing your personal data to us is permitted by data protection laws – this means that they must ensure that you have been informed that your data will be used in this way. When we analyse data as part of our product development, we don’t use it to identify individual customers. Analysing customer data allows us to understand our customers better and explore possibilities for how we might serve our customers better and improve our products.
Our Tesco Group Companies work closely together to ensure that we serve our customers a little better each day. As a result, some information about you may be shared with other Tesco companies for joint customer insight and analysis. Joint customer insight and analysis will be done for the benefit of the customer and will not result in a negative impact upon you.
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We act in our legitimate interests as these activities allow us to improve our products and serve our customers better.
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We use customer data when carrying out internal audits and in financial analysis.
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We act in our legitimate interests to monitor the performance of our business and make improvements.
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We use cookies and similar technologies on our website and apps to improve your customer experience. You can switch off non-essential cookies using the toggles.
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Essential cookies: We act in our legitimate interests to enable our website to function securely.
Non-essential cookies (measurement, experience and advertising): We obtain customer consent. You can change your preferences at any time by visiting our privacy and cookies page.
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We want to ensure that the marketing we send you or show you online is relevant to you. To help us to do this, we:
- use your data, including details of which Tesco products you hold, your Clubcard data and your online browsing behaviour to help us better understand you as a customer and provide you with personalised offers and relevant marketing communications (including by email, post, online advertising, at the tills in store or in your online accounts). We use algorithms and computer programs to analyse data by creating customer segments and scores which we use to help us select which offers to send you. use your data, including details of which Tesco products you hold, your Clubcard data and your online browsing behaviour to help us better understand you as a customer and provide you with personalised offers and relevant marketing communications (including by email, post, online advertising, at the tills in store or in your online accounts). We use algorithms and computer programs to analyse data by creating customer segments and scores which we use to help us select which offers to send you.
- measure your responses to marketing communications, which also means we can offer you products and services that better
meet your needs.measure your responses to marketing communications, which also means we can offer you products and services that better
meet your needs.
- sometimes combine your data with data from our partners, such as price comparison websites and credit reference agencies. For example, we sometimes get data which tells us when insurance policies are due for renewal and we use credit reference agency data to try to ensure that we don’t advertise credit products to those who might be declined. When you log into your online accounts we use credit reference agency data to show you personalised offers. This will only happen where those partners have ensured that passing your personal data to us is permitted by data protection laws – this means that they must ensure that you have been informed that your data will be used in this way. sometimes combine your data with data from our partners, such as price comparison websites and credit reference agencies. For example, we sometimes get data which tells us when insurance policies are due for renewal and we use credit reference agency data to try to ensure that we don’t advertise credit products to those who might be declined. When you log into your online accounts we use credit reference agency data to show you personalised offers. This will only happen where those partners have ensured that passing your personal data to us is permitted by data protection laws – this means that they must ensure that you have been informed that your data will be used in this way.
- work closely together with our Tesco Group companies to make sure we serve our customers a little better each day. As a part of this, some information about you may be shared with other Tesco companies for joint marketing activities. You’ll only receive joint marketing that’s relevant to your Tesco Clubcard, and your marketing preferences for each Tesco Group company will apply.work closely together with our Tesco Group companies to make sure we serve our customers a little better each day. As a part of this, some information about you may be shared with other Tesco companies for joint marketing activities. You’ll only receive joint marketing that’s relevant to your Tesco Clubcard, and your marketing preferences for each Tesco Group company will apply.
We use personal data to tailor the adverts we show to you online on Tesco websites, social media sites and other sites that sell advertising space. Personalised adverts show the AdChoices logo. You can find out more by visiting our privacy and cookies page.
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We act in our legitimate interests. Looking at your browsing behaviour and purchases allows us to personalise our offers and services for you. This helps us give you better and more relevant offers.
Marketing of banking products comes directly from Barclays (under the Tesco Bank brand). They are a separate data controller and manage their own marketing database. If you want to opt out of Tesco Bank marketing, details of how to do this can be found at Tesco Bank.
You can change your marketing choices for email, SMS, post and phone marketing when you register with us and at any time after that. To opt out, just let us know in one of these ways: On emails: by clicking ‘opt out’ or ‘unsubscribe’ (usually at the bottom of the email). By phone: by calling us on one of the numbers for your product(s) here and asking the customer service representative to opt you out of marketing.
You also have choices when it comes to online advertising. You can change your online advertising preferences at any time by visiting our privacy and cookies page.
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Clubcard data includes your shopping habits and the types of purchases you or your household make. We use Clubcard data to try to bring you better terms, deals, offers or support than you would get if we didn’t use the data. We do this by looking at the data using algorithms and computer programs to create customer segments and scores. This includes how likely we think you are to pay back money we lend you, how often you use other Tesco products and services, and how you prefer to shop. This helps us to create a number of scores, which we can then use as one of the factors in our automated decision-making process. We also take into account whether or not you are a Clubcard customer or have an existing Tesco Insurance product. Clubcard data allows us to give our customers better prices on our insurance products. Discounts and offers will vary from customer to customer, but all Clubcard customers will receive a discount within a range. Clubcard data also enables us to improve the likelihood of us being able to accept a customer’s application for a loan or a credit card. Clubcard is a loyalty scheme and customers trust us to use their Clubcard data to reward them with offers. We only use Clubcard data to give better prices or offers and never to increase insurance prices or decline an application. We use data that you provide, such as your name and address, to find any Clubcards that are linked to your surname and address. That might be your Clubcard, or that of a family member living in the same house as you. When we do this, we aim to use the Clubcard linked to your address which gives you the best terms, deals or offers.
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This is in our legitimate interests as it allows us to offer better deals to our customers.
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We use data about how you use your Tesco Bank products to try to bring you insurance discounts. We do this by using algorithms and computer programs to calculate scores to work out how much of a discount we can offer. This works in a similar way to how we use Clubcard data. We do not include transactional information from Tesco Bank products in these algorithms. We only use Tesco Bank data within insurance to give our customers discounts and offers and never to increase prices.
Further information on how Tesco Bank uses and shares your data can be found at Tesco Bank.
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This is in our legitimate interests as it allows us to offer better deals to our customers.
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We process your data if we need to manage complaints, data subject access requests or legal claim. We also sometimes receive
requests from regulators for information which might require us to process and share your data with regulators.
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When we do this, it is because we are bringing or defending legal claims, or because the law requires us to do this, as we have regulatory responsibilities to manage complaints to support our customers and respond to data subject rights requests and regulatory requests for information.
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Sometimes we ask for sensitive or “special category personal data”, such as medical information, to allow us to help vulnerable
customers. We only collect the minimum amount of information required.
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Where possible, we will ask for your consent to use this data. Where we have asked for your consent, you can change your mind at any time by contacting us and asking us to stop processing this information. Where it is not possible to get your consent (for example if you are not able to give consent), we will only use or share your information where we believe that it is in your best interests and there are substantial public interests in us helping our customers in this way. We are also required by law to collect some sensitive data to help our customers as we have responsibilities to support our vulnerable customers.
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We like to hear your views to help us improve our services, so we may contact you for market research purposes. You will always
have the choice about whether to take part in market research.
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This is in our legitimate interests as market research helps us to improve our services to customers.
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