Objecting to or restricting how your data is used

Objecting to marketing

You have an absolute right to object to your data being used for direct marketing. Say so, and we stop — no reason needed, no friction. You can set this in your notification settings or tell us directly. Opting out of marketing does not affect the essential service messages we must send to run your account.

Objecting to other processing

For processing based on our legitimate interests, you can object and we will stop unless we have compelling legitimate grounds that override your interests, or need to continue for legal claims. In practice, much of what we do is necessary to perform your credit agreement, which we cannot switch off while the facility is live — but you can always ask, and we will explain our position clearly.

Restricting processing

You can ask us to restrict — effectively pause — processing in certain situations, such as while we check the accuracy of data you have challenged. During a restriction we store the data but limit what we do with it. This sits alongside your right to correct an error, which is often the quicker fix.

What keeps running

Objecting or restricting does not stop us running your live account or meeting legal duties — those continue. It targets non-essential and disputed processing. If you want to end all processing, that is really account closure plus an erasure request, subject to the records we must retain.