Halifax invading my privacy or am I over reacting?

someone suggested that you can turn it off, if not contact customer services about it and see if they can do anything, it isn't a breach of privacy however i can see that as anoying, get adblocker works a treat if you dont want to see ads
 
Isn't this all to do with the government wanting to split investment and risky banking away from customer's bank accounts? So you can either have it paid for with a bit of advertising or out of your own pocket.
 
JBod said:
Just to be clear, this was inserted into the middle of my statement. Right underneath my B&Q purchase. Clearly this isn't randomly inserted advertising which while I wouldn't like I wouldn't be so concerned over.
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why do you care whether an advert was random or targeted - if anything a targeted ad at least stands some chance of maybe being useful to you?

I mean if a third party actually had access to your details then sure that's worrying - there isn't necessarily anything to suggest that though - only that some third party software is targeting the adverts.... much in the same way gmail does etc.. doesn't require anyone else to know your tendencies or for information about you to be passed on but simply for the algorithm to be able to match appropriate adverts.

If there has actually been a privacy breach then that would be worrying, as it stands it isn't clear that there has been.
 
Janesy B said:
Isn't this all to do with the government wanting to split investment and risky banking away from customer's bank accounts? So you can either have it paid for with a bit of advertising or out of your own pocket.
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while a current account itself doesn't tend to make a bank much if at all the retail parts of banks should still be able to make money from loans, mortgages selling other products etc... they don't require subsidies AFAIK from completely separate areas.
 
dowie said:
why do you care whether an advert was random or targeted - if anything a targeted ad at least stands some chance of maybe being useful to you?

I mean if a third party actually had access to your details then sure that's worrying - there isn't necessarily anything to suggest that though - only that some third party software is targeting the adverts.... much in the same way gmail does etc.. doesn't require anyone else to know your tendencies or for information about you to be passed on but simply for the algorithm to be able to match appropriate adverts.

If there has actually been a privacy breach then that would be worrying, as it stands it isn't clear that there has been.
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I care if it is targeted because it means some kind of code out there is reading my bank statements without my permission. As someone who does Web operations for a living I know for a fact that the code doing it is logging the data gathered somewhere.
 
It has to be targeted, the vast majority of my statements are supermarket purchases yet they managed to pick these 2 for the adverts.

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I did get this cashback thing explained to me when i opened my new account a couple of weeks ago, they only said the offers would appear under my mini statements, not in the middle of my full ones though!

Adblock is on.
 
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JBod said:
http://www.decisionmarketing.co.uk/news/lloyds-group-signs-targeted-ad-deal

So here we are, your purchases tracked by a third party marketing company. They are even going to appear on paper statements. I will check when I get home but I am pretty sure the browser I was using had adblock installed, as well as ghostery.
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Well when the office of fair trading took a bunch of banks to the supreme Court a few years back, the banks defence was that overdraft charges and such were not penalty charges, how could they be, that would be unlawfull under consumer contract law.

Nope the charges were to cover the banks 'out of pocket expenses' for providing free bank accounts, they argues all account would carry an administration fee otherwise.

Now they are making money from unauthorised advertising too? That is just despicable. Will they drop account charges now, no chance lol.
 
This is part of their new cashback scheme where each month depending on what deals they have going, you can get cashback on going to certain stores...
 
mattyfez said:
I choose to use quidco, I choose to use a cashback card, don't choose to subsidise a bank via advertising.
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You are the consumer - you have ultimate power. Make your choice by switching banks if it bothers you sufficiently. That is your right as a customer.
 
[TW]Fox;24997831 said:
You are the consumer - you have ultimate power. Make your choice by switching banks if it bothers you sufficiently. That is your right as a customer.
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C'mon, how long before they all jump on that train?
I don't use halifax, but if I did I'd want a kickback from the ad revenue, or complete removal of adverts.
 
On the My Details page it has:

Show personalised sales messages(if you have an ad-blocker in place it doesn't matter)
Simple change this to: No



M.
 
JBod said:
I care if it is targeted because it means some kind of code out there is reading my bank statements without my permission. As someone who does Web operations for a living I know for a fact that the code doing it is logging the data gathered somewhere.
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There is no code 'reading your statements' - all of those transactions are coming from the bank's core banking systems anyway. If you are concerned about some rather obvious targeted marketing then you'd be really worried if you knew what sorts of analysis many banks are really doing across all of the data which they can capture/collect about you - banking transactions, social media data, web-clicks on your online banking or their website etc.

Although that's nothing compared to the gambling firms (both online and 'bricks & mortar') who do very complex / real-time analysis to determine what your personal 'loss threshold' is, and then offer incentives such as free bets or free drinks (in gaming 'establishments' only of course) to make sure you place just one more bet, or that you come back again next time.
 
Play them at their own game, and recycle your junk mail by putting it in your paying-in envelope whenever you pay in cash, or hand it to the cashier when you use the counter service.
 
Selekt0r said:
There is no code 'reading's your statements' - all of those transactions are coming from the bank's core banking systems anyway. If you are concerned about some rather obvious targeted marketing then you'd be really worried if you knew what sorts of analysis many banks are really doing across all of the data which they can capture/collect about you - banking transactions, social media data, web-clicks on your online banking or their website etc.

Although that's nothing compared to the gambling firms (both online and 'bricks & mortar') who do very complex / real-time analysis to determine what your personal 'loss threshold' is, and then offer incentives such as free bets or free drinks (in gaming 'establishments' only of course) to make sure you place just one more bet, or that you come back again next time.
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You kinda have to have a bank account to function properly though, you don't have to bet, and if you do, you see the odds offered before parting with any cash.
Although I know what you mean about online gambling, the amount of profiling that goes on is quite mind boggling.
 
LiGhTfasT said:
Whats wrong with free money?

15% off argos one looks great for playstation4 launch etc
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They are basically selling your peronal transaction history off for targeted advertising and that pays quite well. You're statement is proof, where's your cut of the money being paid to your bank for the privilege of this deep marketing insight?
 
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