• third parties to which we transfer, charge or assign your agreement or which manage your loan or provide services for us
• law enforcement agencies or regulatory bodies where we are required to do so by law
• CRAs and FPAs to which we may report positive, delinquent and default data about your account(s) on a regular (minimum monthly) basis. This information may be supplied to other organisations which search your credit record.
  When CRAs receive a search from us they place a search “footprint” on your credit file whether or not the application proceeds. Records remain on file with CRAs and FPAs for 6 years after they are closed, whether your loan is settled by you or defaulted.
  More information about CRAs and how they use personal information is available at: https://www.experian.co.uk/legal/crain or you can contact the agencies below:

  • Transunion One Park Lane, LEEDS, LS3 1EP. Tel: 0330 024 7574 or visit: https://www.transunion.co.uk/consumer/consumer-enquiries or email consumer@transunion.co.uk
    Equifax Customer Service Centre, PO Box 10036, LEICESTER, LE3 4FS. Tel: 0333 321 4043 or 0800 014 2955 or visit: https://www.equifax.co.uk/contact-us/contact_us_personal_solutions.html or email; UKDPO@equifax.com
    Experian PO BOX 9000, NOTTINGHAM, NG80 7WP. Tel: 0344 481 0800 or 0800 013 8888 or visit http://www.experian.co.uk/consumer/contact-us/index.html

  We store your information:

• Within the United Kingdom (UK)

We may transfer data outside of the UK but will ensure that before we do so, there is “adequate protection” in place to ensure the security of your data. 

    We Keep your Information:

Customers:

We will keep your personal information for as long as you’re a customer. After you stop being a customer, in most cases, we will keep your information for up to 6 years after the last time you interacted with us. We may keep your information for longer than 6 years if we cannot delete it for legal, regulatory, or technical reasons. We may also need to keep it to help support product recalls or safety notices. If we do, we will make sure that your privacy is protected and only use it for those purposes. We do not retain personal information in an identifiable format for longer than is necessary.

Job applicants:

If you are unsuccessful in your application, we will retain your application and any associated personal data on file for no longer than 12 months from the date it is received. After this period, the information will be securely deleted in accordance with our company retention policies. If you are successful in your application, your personal data will be retained as part of your employment record. We will retain these records for 6 years after your employment with us ends, after which they will be securely deleted in accordance with our company retention policies and applicable legal requirements.