In this section ‘monitoring’ means any listening to, recording of, viewing of, intercepting of, or taking and keeping records of calls, post, email, social media messages, in person face-to-face meetings and any other communications.

Telephone calls between us and you in connection with your application and the mortgage, savings account or core capital deferred shares will be recorded to make sure that we have a record of what has been discussed and what your instructions are. Certain in person meetings will also be recorded for the same purposes. We may monitor calls for quality control and staff training purposes.

We may monitor where permitted by law and we will do this where the law requires it. In particular, where we are required by the Financial Conduct Authority’s regulatory regime to record certain telephone lines or certain in person meetings we will do so.

Some of our monitoring may be to comply with regulatory rules, self regulatory practices or procedures relevant to our business; to prevent or detect crime; be in the interests of protecting the security of our communications systems and procedures; to have a record of what we have discussed with you and actions agreed with you; to protect you and to provide security for you (such as in relation to fraud risks on your account); and for quality control and staff training purposes.

Some of our monitoring may check for obscene or profane content in communications.

We may conduct short term carefully controlled monitoring of your activities on your mortgage, savings account or core capital deferred shares where this is necessary for our legitimate interests or to comply with our legal obligations. For instance, where we suspect fraud, money laundering or other crimes.