We understand that privacy and the security of your personal information is extremely important. Because of that, this policy sets out what we do with your information and what we do to keep it secure. It also explains where and how we collect your personal information, as well as your rights over any personal information we hold about you.
This policy applies to you if you use our products or services in store, over the phone, online, through our mobile applications or otherwise by using any of our websites or interacting with us on social media (our “Services”). This policy gives effect to our commitment to protect your personal information and has been adopted by all of the companies and businesses in our group (including Sainsbury's, Sainsbury's Bank, Argos, Tu Clothing, Habitat and Argos Financial Services*).
When we say 'we' or 'us' in this policy, we're generally referring to the separate and distinct legal entities that make up the Sainsbury's Group (although it does depend on the context). These include:
Sainsbury's Supermarkets Limited (registered office: 33 Holborn, London, EC1N 2HT)
Sainsbury's Bank Plc (registered office: 33 Holborn, London, EC1N 2HT)
Argos Limited (registered office: 489–499 Avebury Boulevard, Milton Keynes MK9 2NW)
Habitat Retail Limited (registered office: 489–499 Avebury Boulevard, Milton Keynes MK9 2NW)
Argos Financial Services (which includes Home Retail Group Card Services Limited, ARG Personal Loans Limited and Home Retail Group Insurance Services Limited) (registered office: 489–499 Avebury Boulevard, Milton Keynes MK9 2NW).
It also includes any other businesses we add to this group in the future. If you'd like more information about which Sainsbury's Group Company you're dealing with, check the terms and conditions of the product or service you're using.
The information we collect may be used to:
In order to meet the requirements of our regulator, the Financial Conduct Authority (FCA), we will contact you shortly before the maturity of any fixed term or fixed rate products. This ensures that you are aware of the options available and helps you make an informed decision about your maturity instructions.
In order to comply with money laundering regulations, there are times when we need to confirm (or reconfirm) the name and address of our customers.
If you apply for any of our credit-based products (e.g. insurance, loan or credit card) we will perform searches with credit reference agencies. We may give details of your account and how you conduct it to credit reference agencies. If you borrow and do not repay in full and on time, we may inform credit reference agencies who will record the outstanding debt.
The information below provides further details about how credit reference agencies, us and other lenders use your information.
What do Credit Reference Agencies do?
If you would like to find out more, you can contact the 3 agencies currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
If you have been refused credit you can get advice from your local Trading Standards Department, Citizens Advice Bureau or Consumer Advice Centre and the agencies' web sites. The Information
Commissioner also produces a useful leaflet entitled 'Credit Explained'. You can obtain a free copy on the Information Commissioner's website or by telephoning 0870 600 8100.
Fraud Prevention Agencies
We have systems that protect our customers and ourselves against fraud and other crime. Personal information can be used to prevent crime and trace those responsible. If false or inaccurate information
is provided and fraud is identified, details will be passed to fraud prevention agencies. Law
enforcement agencies may access and use this information. We and other organisations may also
access and use this information to prevent fraud and money laundering, for example, when:
Please contact us on Privacy.Bank@sainsburysbank.co.uk if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
The Sainsbury's Group
We may share your personal information with other Sainsbury's Group Companies from time to time so we can provide you with a high quality service across our group. That includes sharing information with the companies that operate Sainsbury's stores and online shopping, Sainsbury's Bank, Argos, Argos Financial Services, Habitat and our clothing brand Tu.
Our service providers
We work with partners, suppliers, insurers and agencies so they can process your personal information on our behalf…but only where they meet our standards on the processing of data and security! We only share information that allows them to provide their services to us or to facilitate them providing their services to you. For example, some of our service providers place advertising for us online, about our products and services and those of our retail partners, suppliers and third parties. As a result, where you have indicated you are happy to receive marketing from us, you might see online advertising that we have placed on the web sites you visit, or the interactive services you use. Or if you hold a credit card or travel money card with us, we will share transaction details with our scheme providers (e.g. Visa or MasterCard).
Our retail partners
We might share your personal information with retail partners we do business with. This is so they can give you their services. For example, as part of the Nectar programme we pass on relevant information to whoever's operating it (at the moment that's Aimia Coalition Loyalty Limited) – if we didn't do that we couldn't give our customers Nectar points.
Other organisations and individuals:
We may transfer your personal information to other organisations in certain scenarios. For example:
We would like to tell you about the great offers, ideas, products and services of the Sainsbury's Group from time to time that we think you might be interested in. Where you have consented to us doing so, we may do this through the post, by email, text message, online, using social media, push notifications via apps, or by any other electronic means.
We won't send you marketing messages if you tell us not to but we will still need to send you occasional service-related messages. If you wish to amend your marketing preferences, you can do so either logging into any of your Sainsbury's Group accounts and following the directions or by calling our Customer Care Team on 0800 636262.
We are a partner in the Nectar loyalty card scheme. That means that if you use your Nectar card when shopping with us you will be awarded points for most things that you buy. The points can be spent with us or with any other Nectar partner. If you use your Nectar card we can also see what products and services you have bought from us. That allows us to personalise the offers we send to you and understand a bit more about the kind of shopper you are.
Access and correction of your personal information
You have the right to access the personal information that we hold about you in many circumstances. This is sometimes called a 'Subject Access Request'. If we agree that we are obliged to provide personal information to you (or someone else on your behalf), we will provide it to you or them free of charge.
Before providing personal information to you or another person on your behalf, we may ask for proof of identity and sufficient information about your interactions with us that we can locate your personal information.
If any of the personal information we hold about you is inaccurate or out of date, you may ask us to correct it.
If you would like to exercise these rights, please contact us as set out below.
Right to stop or limit our processing of your data
You have the right to object to us processing your personal information if we are not entitled to use it any more, to have your information deleted if we are keeping it too long or have its processing restricted in certain circumstances.
If you would like to exercise this right, please contact us as set out below.
We will retain a record of your personal information. This is done in order to provide you with a high quality and consistent service across our group. We will always retain your personal information in accordance with law and regulation and never retain your information for longer than is necessary.
When using one of our websites or mobile applications, you may be able to share information through social networks like Facebook and Twitter. For example when you 'like', 'share' or review our Services. When doing this your personal information may be visible to the providers of those social networks, their other users and/or Sainsbury's Group Companies. Please remember it is your responsibility to set appropriate privacy settings on your social network accounts so you are comfortable with how your information is used and shared on them.
We take security measures to protect your information including:
If you would like to exercise one of your rights as set out above, or you have a question or a complaint about this policy, the way your personal information is processed, please contact us by one of the following means:
By email: email@example.com By post: Data Protection Officer, 33 Holborn, London, EC1N 2HT
Or if your enquiry relates to Sainsbury's Bank: By email: Privacy.Bank@sainsburysbank.co.uk By post: Data Protection Officer, Sainsbury's Bank, 3 Lochside Avenue, Edinburgh Park, Edinburgh EH12 9DJ
Or for Argos Financial Services: By post: Data Protection Officer, Home Retail Group Card Services Limited, Thynne Street, Bolton, BL11 1AS
You also have the right to lodge a complaint with the UK regulator, the Information Commissioner. Go to ico.org.uk/concerns to find out more.