In message
-sept
ember.org, at 07:19:00 on Thu, 3 Aug 2017, Recliner
remarked:

If you don't pay interest, why care about the rate? It's not
objective to have an emotional reaction to irrelevant variables.

If you don't know, then I don't think I can succeed in explaining it to
you.

Indeed not.

I agree.

ps. You need to make your mind you whether co-ownership is a plus or a
minus. But once there *is* a split then the data controller/processor
issues will tend to become clearer.

There clearly is a split between Sainsbury's Bank and Nectar.

Which of Sainsbury's, Sainsbury's Bank, and Nectar are the data
controller and processor; and does that hold for off-piste Nectar
transactions too?
--
Roland Perry