Use of your personal information;

Equifinance Ltd will record your details which will be used to assess your application. This may include the recording of any telephone calls. We will only collect information to the extent deemed reasonably necessary to serve our legitimate business purposes, and we will maintain appropriate safeguards to ensure the security, integrity and privacy of the information you have provided.

Your details may be shared with our group of companies, introducers and selected third parties; to contact you by letter, phone, fax, e-mail or text message about your application and for future marketing.

Further information about how your details may be is available on request.

Credit Search

We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds.

We will perform a credit search'. We will do this on behalf of the lender when we receive the initial application from you. Credit searches may affect your credit score as they are used by lenders when deciding whether to lend you money.

We/some lenders may also use credit-scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by Equifinance Limited, our broker's and other group companies. Other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.

To prevent or detect fraud, or to assist in verifying your identity, we may make searches at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. We, members of the Group, and other companies may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.

Credit Searches for joint applications (in addition to the items stated above); by stating a financial association with another party, you are also declaring that:

- You are entitled to disclose information about your joint applicant and/or anyone else referred to by you;
- You authorise us to search, link and/or record information at credit reference agencies about you and/or
anyone else referred to by you.

Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records.