Terms & Conditions

In accordance with the Data Protection Act 1998, you must agree to these Terms and Conditions before submitting a proposal request.

  • In considering your proposal, our funders may/will search your record at credit reference agencies (“your records”).

  • They will add details of their search and your application to your records and this will/may be seen by other organisations that make searches.

  • They may use a credit scoring or other automated decision-making system when assessing your application.

  • They will also add to your records details of your agreement with us, the payments you make under it, any default or failure to keep to its terms and any change of address you fail to tell us about where a payment is overdue. It is important that you give us accurate information.

  • They will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud, they will record this.


Your records may/will be shared with other organisations and used by us and them to:

  • Help make decisions about credit and credit related services such as insurance for you and members of your household.

  • Trace debtors, recover debt, prevent money laundering and fraud and to manage our accounts.
    For these purposes, they or we may make further searches. Although these searches will be added to your records, they will not be shared with others.

  • Credit reference agencies, the fraud prevention agencies and they will also use your records for statistical analyses about credit, insurance and fraud. They may also use information about you to carry out market research. Fraud prevention agency records will also be shared with other organisations to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household.

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