Copyright, Trademark and Website Content Data Protection Agreement The Data Protection Act requires companies and individuals who process and retain information about their customers, to provide their customers with information about how their information will be used and to what purposes it will be put. The act does not restrict itself to information held on a computer, it is relevant to any ordered filing system. The policy describes how First National Finance Ltd. will process personal data relating to customers. We will not use your personal data in any other way without first informing you. Collection of data We will collect data which you provide to us when you enquire about or apply for finance , which includes information gained from First National Finance Ltd. application form. Our lenders may also collect data about you from searches at credit reference agencies. Use of data We will use your personal data to;
We may disclose your personal information to;
Your information may be kept for several years. You can ask for the information not to be used to offer you other products. We have a duty to keep the personal information which we hold about you up to date and accurate and secure from misuse or accidental loss or damage. Credit reference searches and links. Please note that searches at credit reference agencies will be shown in any other searches which are made in connection with applications made by you and/or members of your household. The disclosure of multiple searches may adversely affect your credit profile and may make credit harder for you to obtain. Information held about you by a credit reference agency may already be linked to records relating to another person, for example your spouse, and for the purpose of your loan application you will be treated as financially linked. Your loan application will be assessed with reference to all linked records. If you have confirmed you are linked financially with another person, you are declaring that you are entitled to A) disclose information about that person and/or by anyone else referred to by you and B) that you authorise us and any lender and any lender involved in the application to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you. Main Credit Reference Agencies Call Credit PLC. Experian Ltd. Equifax PLC. Credit Reference Agencies Credit reference agencies keep a wide range of information from the electoral roll and records of most county judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. The lenders share information through the agencies providing a record of how punctually payments are being, or have been made. Loan information is usually held on file for 6 years. Details of credit searches are usually held on to for 2 years. Access to your Data You are able to see what information we hold about you. You can ask us for a copy at any time. We will also tell you where the information was obtained. You will need to write and we may charge a small fee. (£10 maximum) We will reply within 40 days from receipt of your fee. If you wish to see the information contained on a credit reference agency file you can do so by writing to the relevant agency. They must respond within 7 working days. There is a small fee of £2 required. If your credit reference file contains information about other people with whom you have no financial connection or if it contains information which is incorrect, you can ask for the entry to be corrected, removed, or have a note put on the file explaining why you think the information is wrong. The agency will not remove correct information. The Information Commissioner provides a useful leaflet which explains how to request changes to your credit reference file. The easy to read leaflet includes examples of letters and details of various actions, you may need to take to amend a file. You can obtain a copy of the free leaflet by writing to; No Credit Leaflet If you have any questions about our Data Protection Policy, please contact us at; First National Finance Ltd. If you require any more in-depth information regarding the Data Protection Act in general, please visit www.dataprotection.gov.uk. Changes to Terms & Conditionss We may edit or amend this page from time to time. If we make any substantial changes in the way we use your personal information we will notify you by posting a prominent notice on the home page of our website. Contacting Us If you have any questions, please feel free contact us. |