We will use any information you provide to us, or that we obtain or generate relating to you in connection with our dealings with you in
accordance with the Data Protection Act. When we process your personal data we do so with a view to entering into the loan contract, to
fulfil a contract we have with you, when it is our legal duty to do so or when you have given us consent.
Contact may be made with you by telephone (calls may be recorded for training, compliance and evidential purposes), post, email or SMS
messaging to help service your account. We may do this ourselves or we may ask someone else to do it for us and we may pass
information about you and your account to anyone who services your account and to anyone we ask to help us to enforce this agreement.
General
Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your
identity. These checks require us to process personal data about you. The personal data you have provided, we have collected from you, or we have received
from third parties will be used to prevent fraud and money laundering, and to verify your identity. Details of the personal information that will be processed may
include name, date of birth, address, contact details, financial information, employment details and device identifiers including IP address.
We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime. We
process your personal data on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our
business and to comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested. Fraud
prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be
held for up to six years.
Consequences of processing
If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have
requested or we may stop providing existing services to you. A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and
may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on 01923 280322.
Use Of Your Personal Information
This document explains how we will use and safeguard your personal
information when you transact with us.
Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose contractual obligations on the recipients
of that data to protect your personal data to the standard required in the European Economic Area. They may also require the recipient to subscribe to
‘international frameworks’ intended to enable secure data sharing.
Your rights
Your personal data is protected by legal rights, which include your rights to:
• object to our processing of your personal data;
• request that your personal data is erased or corrected;
• request to restrict our processing of your personal data;
• request data portability (this is where we provide you with a copy of your personal data in an electronic format);
• request access to your personal data.
For more information or to exercise your data protection rights, please contact us using the contact details in the complaints section overleaf.
You also have the right to complain to the Information Commissioner’s Office (ICO) which regulates the processing of personal data. The ICO deals with
concerns raised by members of the public about the way in which organisations look after personal information. If you need to raise a concern, you can do so by
using the following link:
www.ico.org.uk/concerns/
Credit Reference Agencies
In order to process your application we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you,
such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover
debts and prevent criminal activity.
We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid
on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial
associates.
The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at:
www.equifax.co.uk/crain
For further information on how we will use and process your personal data, please visit our privacy policy.
www.centraltrust.co.uk/legal-and-privacy-policy/
