So that you can travel, it may be mandatory (as required by government authorities at the point(s) of departure and/or destination) to disclose and process your personal data for immigration, border control, security and anti-terrorism purposes, or any other purposes which they determine appropriate.
Some countries will only permit travel if you provide your advance passenger data (for example Caricom API Data and US Secure Flight Data). These requirements may differ depending on your destination and you are advised to check. Even if not mandatory, we may assist where appropriate.
We may share the minimum personal data necessary with other public authorities if the law says we must, or we are legally allowed to do so.
Sharing personal data with credit reference and fraud prevention agencies
When you order or buy products or services from us we may share your personal data with credit reference and fraud prevention agencies. That means looking into any records we hold about you and your records with credit reference agencies (CRAs) or fraud prevention agencies (FPAs). When they get a search from us, a ‘footprint’ goes on your file which other organisations might see.
We may also do checks to confirm your identity. That is to help protect you from identity theft and other types of fraud, and to prevent and detect crime or money laundering. Once in a while we might run more checks with CRAs and FPAs to keep your information and your account up to date. If false or inaccurate information is provided and identified as fraud, the details will be passed to FPAs. This information may also be shared with law enforcement agencies.
If you tell us you have got a spouse or financial associate, we will link your records together – so you must make sure you have their agreement to disclose information about them. CRAs also link your records together and these links will stay on your and their files – unless you or your partner successfully files for a disassociation with the CRAs to break that link.
We may send these agencies details such as your name, address, accounts and bills, including how you manage them. That includes telling them about your account balances, what you pay us and when you miss a payment. If you don’t pay your bills on time CRAs will record that. Agencies may tell others doing similar checks, including organisations trying to trace you or recover money you owe them.
Each credit reference and fraud prevention agencies will have its own criteria for how to calculate a credit score. For more information on credit reference and fraud prevention agencies e.g. Callcredit, Equifax and Experian, and the way they may use your personal data, please refer to the Credit Reference Agency Information Notice (CRAIN). The CRAIN describes how the main credit reference agencies use and share personal data they receive about you and/or your business that is part of or derived from or used in credit activity.