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Use of your information

We will work with one finance provider in processing your loan application.

The finance provider is:
Hitachi Capital (UK) PLC. Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered office: Hitachi Capital House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491.

In considering your application you authorise us to refer your application to Hitachi Capital (UK) PLC and share information with Your healthcare provider as detailed in Your application. Within this paragraph all references to ‘we’ or ‘us’ will be deemed as including such finance and healthcare providers.

We will use a credit scoring or other automated decision-making process when assessing your application.

In considering your application we will search your record at credit reference agencies. They will add to your record the details of the search and your application and this will be seen by other organisations that make searches.

Information held about you by the credit reference agencies may already be linked to records relating to one or more other persons.

For the purpose of this application you may be treated as financially linked and your application will be assessed with reference to any associated records.

If you are a joint applicant or if you have told us of some other financial association with another person you must be sure that you are entitled to disclose information about your joint applicant and anyone referred to by you, authorise us to search, link or record information at the credit reference agencies about you and anyone referred by you.

An association between joint applicants and between you and anyone you tell us is your financial partner will be created at the credit reference agencies.

This will link your financial records, each of which will be taken into account in all future applications by either or both of you. This will continue until one of you successfully files a disassociation at the credit reference agencies.

We will also add to your record with the credit reference agencies details of your agreement with us, the payments you make under it, any default or failure to keep to its terms and if you give us false or inaccurate information and we suspect fraud we will record this.

These records will be shared with other organisations and used by them to help make decisions about credit and credit related services such as insurance for you and persons with whom you are financially linked, trace debtors, recover debt, prevent money laundering and fraud, and to manage your accounts.

The credit reference agencies and fraud prevention agencies will also use the records for statistical analysis about credit and about insurance and fraud.

Fraud prevention agency records will also be shared with other organisations to help make decisions on motor, household, credit life and other insurance products and insurance claims for you and persons to who you are financially linked. When we have processed your application, we will only retain and use your information in accordance with our Privacy Policy, which also confirms your Rights in accordance with the Data Protection Act and General Data Protection Regulation (GDPR).

A copy of our Privacy Policy is available on our website, by emailing us at , calling us on 03452 591091 or writing to us at The Oaks, 27 Applecroft, Park Street, St Albans, Herts. AL2 2AP.

Each applicant warrants and certifies that all the details provided in your application are true. You authorise us to make payment direct to your healthcare provider as detailed in Your application.

You acknowledge that your healthcare provider may be informed of any arrears and authorise your healthcare provider to discuss any aspects of the transaction and related treatment with us.