Because we offer a range of products, collecting information allows us to provide you with the products and services you’ve asked for. This means we can use your information to: provide you with information about products and services; consider your request for products and services,; Can we use your information for marketing our products and services? Given our expertise, we think we’ve learnt a lot of things and we’d like to share what we know about our products with you. We may use or disclose your personal information to let you know about our products and services from across the Group that might better serve your financial, and lifestyle needs, or running competitions or promotions and other opportunities in which you may be interested. We may conduct these marketing activities via email, telephone, SMS, iM, mail, or any other electronic means. We may also market our products to you through third party channels (such as social networking sites), or based on your use of Group programs. We will always let you know that you can opt out from receiving our third party or Group program marketing offers. Where we market to prospective customers, we are happy to let them know how we obtained their information and will provide easy to follow opt-outs. With your consent, we may disclose your personal information to third parties such as brokers or agents, or for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won’t sell your personal information to any organization outside of the Group.