Collection

In the course of our activities we collect and hold personal information about our applicants for finance and customers, including their personal details, employment information and financial background. Our main purposes for collecting that personal information include assessing or varying the credit facilities for which they may apply, to facilitate direct marketing of financial and household products and services offered by us or by an organisation that we are associated with, research and product development, and any purpose related to those other purposes.

We will only collect personal information from you that is necessary for one or more of our functions and activities. We will only collect personal information from you by lawful and fair means, without being unreasonably intrusive, such as when you complete a loan application form or other document concerning your application to us for finance.

At or before the time we collect personal information from you we will take reasonable steps to inform you why we are collecting that personal information, who else we might disclose that personal information to and what will happen if you do not provide personal information to us.

Where reasonable and practicable, we will only collect personal information about you, from you. Note that we will obtain background information about you from credit reference agencies.

Wherever it is lawful and practicable, we will give you the option of not identifying yourself or not providing personal information when entering transactions with us. However, in most cases, if you do not provide the full and complete information we request we will be unable to process your application for finance. Once we hold personal information we will take reasonable steps to keep it accurate, complete and up-to-date.