• COOKIES POLICY


  • LAST UPDATED ON MAY 2018

    Our Cookies policy explains how we use cookies and other internet tracking software. It also explains the choices you can make about whether we can put some types of cookies on your PC, tablet or mobile phone.

    In this policy, where we say 'cookies' it can also mean other software that collects data while you use our websites and mobile apps.

    Data we collect will be held by the company you contract with, which may be Lloyds Bank International Limited, Lloyds Investment Fund Managers Limited, Lloyds Bank (Gibraltar) Limited, Lloyds Trust Company (Gibraltar) Limited, Lloyds Bank plc Jersey branch or Bank of Scotland plc Isle of Man Branch, which are part of the Lloyds Banking Group. We use this data to:

    • Protect you from fraud and keep improving security
    • Study how people use our websites and apps and our other services, so we can improve them
    • Decide which of our products, services and offers may be relevant for you
    • Tailor the marketing you see on social media, apps and other websites.

    We may share this data with other companies in the Group. We also share some data with outside organisations. Some of them may place their own cookies on your device when you visit our website. You can find out more about how we share data - and who we share it with - in our Privacy notice.

    We do not sell data to organisations outside our Group.

    WHAT ARE COOKIES?

    Cookies are small files that are sent to your PC, mobile phone or tablet when you visit a website. They stay on your device and are sent back to the website they came from when you visit it again. Cookies collect data and send it to us while you use the site. These are written into mobile apps and web pages that you go to on your device.

    SESSION AND PERSISTENT COOKIES

    All cookies are either session cookies or persistent cookies.

    Session cookies last for the length of your visit to a website. They delete themselves when you close your browser. Session cookies can help with security. For instance, they can keep you logged on as you move around a website.

    Persistent cookies stay on your device when you close your browser. They are used for many jobs. For instance, they can remember your User ID for websites where you log on. They can also store your choices for when you go back to a website.

    Organisations find them useful to see how people use their websites. They can also be used to tailor the ads and marketing you see on social media, apps and other websites.

    FIRST AND THIRD PARTY COOKIES

    Whether a cookie is first or third party depends on where it comes from.

    First party cookies are set by websites you go to.

    Third party cookies are set by outside organisations. For instance, you may be on a website that has 'Like' and 'Share' buttons for social network sites. If you click one, the social network site will put a 'third party' cookie on your device. That cookie may then collect data about you and send it to them too. You will need to set your privacy choices on their site, to tell them how they can use your data.

    We use our own cookies and others from companies we work with such as social media, search engines, other advertising networks, and our business partners.

    ESSENTIAL COOKIES AND COOKIES YOU CAN CHOOSE

    Different types of cookies do different jobs on our website. Some are needed to make the website work. We need your consent to use others that are not essential. You can change your choices at any time. Just click the 'Cookies' link at the end of any page.

    CATEGORY WHAT THEY DO MY CHOICES
    Strictly necessary

    These cookies are needed to run our website, to keep it secure if you are logged on and to obey regulations that apply to us.

    If you are a customer, they help us know who you are so that you can log on and manage your accounts. They also help us keep your details safe and private.

    Other important jobs they do are:

    • Help you move around the site
    • Tell us if you've been to it before and which pages you went to
    • Tell us how the site is working, so we can find and fix any problems.
     
    You can't turn off these cookies
    Functional

    These cookies are used for remembering things like:

    • Your user ID on the log on page
    • Your region or country
    • Your preferred language
    • Accessibility options like large font or high contrast pages.
     
    You can't turn off these cookies
    Performance

    These cookies tell us how you and our other customers user our website. We combine all this data together and study it. This helps us to:

    • Improve the performance of our services
    • Improve the products we provide.
     
    We'll ask for your consent to use these cookies
    Marketing

    These cookies help us decide which of our products, services and offers may be relevant for you.

    We may use this data to tailor the marketing and ads you see on our own and other websites and mobile apps, including social media. For instance, you may see our ads on other sites after you have been to our website.

    If you turn off marketing cookies, you will still see ads online, but they will not be tailored to things that may interest you.

    We'll ask for your consent to use these cookies

    PERFORMANCE AND MARKETING COOKIES

    Lloyds Banking Group is changing its websites to make sure we ask for your consent to use these cookies. It will take some time to update all our systems. Until then, you won't be able to make your choices on some websites run by companies within our Group. This means you may still see tailored marketing and ads from us during this time, even if you would prefer not to. We will update this cookies policy as soon as the work is complete.

    KEEP IN MIND

    Multiple users

    If more than one person uses your device, the choices set up by other people will apply to you as well unless you change them. For example, if you share a computer with your family, you may see ads based on sites they have visited as well as sites you have visited.

    Cookies with more than one use

    Some of our cookies collect data for more than one use. We will only use these cookies for their essential purposes unless you have given your consent to any other uses they have.

    Cookies that are already on your device

    Turning off one or more types of cookies will not delete any that have been downloaded in the past. We may still use data we collected up to that point, but will stop collecting new data.

    Managing cookies choices in your browser

    You can turn off or delete cookies in your browser. If you do this, it may affect sites that use similar cookies to us.

    Cookies choices you set in your browser replace any you set on a single website. For instance, if you run an ad blocker on your browser, you won't see ads that are tailored to you, even if you have turned on marketing cookies.

    Find out how to manage cookies in common browsers (Internet Explorer, Chrome, Firefox and Safari) on the Information Commissioners' Office (ICO) website.

Lloyds Bank International Limited, a Jersey registered and regulated bank, is a subsidiary of Lloyds Bank Corporate Markets plc, a UK Non-ring-fenced Bank. Both companies are part of Lloyds Banking Group plc and are independent from Lloyds Bank plc which is Lloyds Banking Group’s ring-fenced, UK regulated retail and commercial bank. For more information on ring-fencing visit international.lloydsbank.com/ringfencing

Our International services are offered by Lloyds Bank International Limited, Lloyds Bank (Gibraltar) Limited & Lloyds Investment Fund Managers Limited. See company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.

Lloyds Bank International Limited. Registered office and principal place of business: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. Lloyds Bank International Limited is incorporated in Jersey, No. 4029 and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and investment and general insurance mediation business under the Financial Services (Jersey) Law 1998. Lloyds Bank International Limited subscribes to the Jersey Code of Practice for Consumer Lending and has also notified the Jersey Financial Services Commission that it carries on money service business.

The paid up capital and reserves of Lloyds Bank International Limited was £986m as at 31st December 2017.

Lloyds Bank International Limited is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

The Guernsey branch of Lloyds Bank International Limited, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and to carry on controlled investment business and insurance intermediary business under The Banking Supervision (Bailiwick of Guernsey) Law, 1994, The Protection of Investors (Bailiwick of Guernsey) Law, 1987 (as amended) and The Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

Lloyds Bank International Limited is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or on request from Telephone: +44 (0) 1481 706359 or Post: P.O. Box 53, 1 Smith Street, St Peter Port, GY1 4BD.

The Isle of Man branch of Lloyds Bank International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.

Lloyds Bank International Limited is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

Lloyds Bank (Gibraltar) Limited. Registered office and principal place of business: Royal Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA. Registered in Gibraltar, no 99982. Regulated and authorised by the Gibraltar Financial Services Commission for the conduct of banking, investment and insurance mediation business. Lloyds Bank (Gibraltar) Limited is a participant in the Gibraltar Deposit Guarantee Scheme and a participant in the Gibraltar Investor Compensation Scheme. Details of the schemes are available on request.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.

Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited are wholly owned subsidiaries of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate Markets plc is incorporated in the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 763256, and is part of the Lloyds Banking Group. Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited place funds with Lloyds Bank Corporate Markets plc and thus their financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited and their parent based upon publicly available information. Download Lloyds Bank International Limited’s latest annual financial statements. Lloyds Bank (Gibraltar) Limited’s latest annual financial statements are available through Companies’ House in Gibraltar at www.companieshouse.gi.

Lloyds Investment Fund Managers Limited. Registered office: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.

View our information on how to complain.

Legislation or regulations in your home jurisdiction may prohibit you from entering into such a transaction with us. We reserve the right to make final determination on whether you are eligible for any products or services. Residents or Nationals of certain jurisdictions may be subject to exchange controls and should seek independent advice before entering into any transactions with us.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.