· finance

Lloyds Banking Group vs Barclays

Lloyds Banking Group's policy answers the question and is graded D. Barclays's doesn't say either way. That's a finding about the document, not a worse grade.

Grades read the plan most people are on. Each company's full entry has every plan, every clause and the archived copy it was read from.

Lloyds Banking Group

Lloyds is the first incumbent bank here that answers the question: it trains systems that learn from your data, and says so in its own words.

Verdict

By default: Trains on you by default
The way out: Opt out by contacting support
What D means: On by default. An opt-out exists, but you have to go looking for it.
Last checked: 10 Sept 2026

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Barclays

Barclays' full privacy notice says it may run your information through AI, including generative AI from outside providers. Whether your data trains anything, it doesn't say.

Verdict

By default: The policy does not say
The way out: Nothing to opt out of on the record
Last checked: 7 Oct 2026

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Lloyds Banking Group: every plan

Lloyds Banking Group · what each plan can refuse · checked 10 Sept 2026

1 PLAN

Plan

Exposure

Trains

Opt-out path

Retention

De-identified

Human review

All customers

55 / 100

YES

Contact support

Not stated

Yes, with opt-out

How the score is made55 / 100 · the rubric

Default32 / 50

On by default, with a way out

Way out18 / 33

Refusing means writing to the company

Paywall0 / 4

No paywall on the control

Scope1 / 4

2 kinds of data are in scope

Human review2 / 4

People may read it unless you opt out

De-identified2 / 2

Nothing is said about de-identification

EVERY CELL ABOVE IS SOURCED FROM A QUOTED CLAUSE OR A DOCUMENTED SEARCH · SEE THE EVIDENCE ABOVE

EXPOSURE IS SCORED 0–100 ON ONE AXIS, HOW HARD IT IS TO STOP THIS PLAN TRAINING ON YOU. THE GRADE IS THE BAND IT FALLS IN: A 0–10 · B 11–25 · C 26–45 · D 46–60 · E 61–80 · F 81–100. HOW THE SCORE IS SET

All customersTRAINS: YES

OPT-OUT: Contact support
RETENTION: Not stated
EXPOSURE: 55 / 100
DE-IDENTIFIED: Not stated
HUMAN REVIEW: Yes, with opt-out

Barclays: every plan

Barclays · what each plan can refuse · checked 7 Oct 2026

1 PLAN

Plan

Exposure

Trains

Opt-out path

Retention

De-identified

Human review

All customers

UNCLEAR

Not established, see below

Not stated

—

Not established

EVERY CELL ABOVE IS SOURCED FROM A QUOTED CLAUSE OR A DOCUMENTED SEARCH · SEE THE EVIDENCE ABOVE

All customersUNCLEAR

OPT-OUT: Not established
RETENTION: Not stated
EXPOSURE: —
DE-IDENTIFIED: —
HUMAN REVIEW: Not established

Every grade on this page is the one on the company's own entry, read from a dated, archived copy of its policy. Nothing here is computed separately. How grades are set · All comparisons