To the extent that we determine the manner and the purpose of processing, we acknowledge that we are a Data Controller (as defined by the Data Protection Act 1998) of your Personal Data. We undertake to act in accordance with the DPA at all times (including having in place adequate levels of security in respect of such data). Our group companies, both current and in the future, as we develop new business either on our own or with others, will use your personal information for the following purposes: (i) to identify you when you contact us; (ii) to help administer, and contact you about improved administration of, any accounts, services and products we have provided before, or provide now or in the future; (iii) for underwriting purposes and (iv) to carry out marketing analysis and customer profiling (including with transactional information), conduct research, including creating statistical and testing information using data provided by you.
We retain the right if you have an agreement with us, to access, view and interrogate any telematics systems operating on any goods that are subject to any form of finance agreement with us including, without prejudice to the generality of the forgoing, the manufacturers system or any successor system applied to any of our goods. We may use the telematics system operating on such goods, to verify their location, mode of operation, service history or/any other information held on the system regarding operation and/or performance of such goods.
In considering your applications we will search your record at credit reference and fraud prevention agencies, along with the record of your business. Information held about you by the credit reference agencies may already be linked to others with whom you have a joint account or similar financial association. All parties’ information may be taken into account when considering your applications.
If you provide us with false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.
We will use a scoring or other automated decision-making system to assess your applications and to verify your identity.
We will add to your record with the credit reference agencies details of your agreements with us, the payments you make under them, any default or failure to keep to their terms and any change of name and/or address.
Agreement information provided to credit reference agencies remains on file for 6 years after the agreement is closed, whether settled by you or upon default.
Whether or not your applications proceed, the credit reference agency will place a record of our search on your credit file. This record (but not our name) will be seen by other organizations when you apply for credit in the future. A large number of applications within a short period of time could affect your ability to obtain credit.
Whether or not your applications proceed, the agencies will link your records and those of your financial associate(s), including any previous and/or subsequent names. These links will remain on your and their files until you or they tell the agency you are no longer financially linked, and the agency accepts this.
The agencies may supply us with credit information, such as previous applications, the conduct of accounts in your and your financial associate’s name, any business accounts you have, fraud prevention information and public information such as County Court Judgments, bankruptcies and the Electoral Register.
Some information held by the credit reference and fraud prevention agencies will be disclosed to us and other organisations to, for example:
For these purposes we or they may make further searches. Although these searches will be added to your record, they will not be shared with others.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Please telephone us on 01307 474000 if you want to have details of those credit reference and fraud prevention agencies from which we obtain and to which we pass information about you. You have a legal right to these details.
You have a right to receive a copy of the information we hold about you if you apply to us in writing.
You have the right to ask us to correct incorrect data which we may hold about you by writing to us at the address listed below.
We may also use agency information to:
We may also:
You have a right at any time to opt-out of receiving marketing from us and/or to amend the delivery method we use. You can also opt-out from us passing your information to the other businesses listed above for direct marketing purposes. To manage your rights and delivery preferences please write to us at: Marketing Department, A M Phillip Limited, Muiryfaulds, Forfar, Angus, DD8 1XP.
We will keep your personal information protected and retain it only for as long as the law requires or permits.