Common use of Use of Your Information Clause in Contracts

Use of Your Information. It is important that you give us accurate information. We will check your details with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: • Checking details on applications for credit and credit related or other facilities; • Managing credit and credit related accounts or facilities; • Recovering debt; • Checking details on proposals and claims for all types of insurance;• Checking details of job applications and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. We will also add to your record with the credit reference agencies details of your Agreement with us, the repayments you make under it, and any default or failure to keep to its Terms and any change of address you fail to tell us about where a repayment is overdue. Credit reference agencies may share with other organisations credit searches and other information about you (and those you are associated financially with) that is provided to us or directly to them (or both). We and those other organisations may use the information about you, other members of your household, your business partners, other directors and shareholders (if you have any) to: • help make decisions about credit for you and them; • trace debtors, recover debt, confirm your identity, prevent money laundering and fraud, and manage your accounts. 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 the credit reference agencies may also use your record for statistical analysis about credit and about insurance and fraud. Your Rights To Information Please contact us at 00000000000 if you want to receive details of the relevant credit reference and fraud prevention agencies. You have a right to receive a copy of the information we hold about you if you apply in writing. You will need to pay a fee.

Use of Your Information. It is important In considering whether to enter into this agreement we will search your record at credit reference agencies. They will add, to their record about you, details of our search and your application and this will be seen by other organisations that make searches. This and other information about you give us accurate informationand those with whom you are linked financially may be used to make credit decisions about you and those with whom you are financially linked. We will check your details with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: • Checking details on applications for a credit and credit related scoring or other facilities; • Managing credit and credit related accounts or facilities; • Recovering debt; • Checking details on proposals and claims for all types of insurance;• Checking details of job applications and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agenciesautomated decision making system. We will also add to your record with the credit reference agencies details of your Agreement agreement with us, the repayments any payments you make under it, it and any default or failure to keep to its Terms and any change of address you fail to tell us about where a repayment is overdueterms. Credit reference agencies may share These records will be shared with other organisations credit searches and other information about you (may be used and those you are associated financially with) that is provided to searched by us or directly to and them (or both). We and those other organisations may use the information about you, other members of your household, your business partners, other directors and shareholders (if you have any) to: • help make decisions about Consider applications for credit and credit related services, such as insurance, for you and them; any associated person • trace Trace debtors, recover debt, confirm your identitydebts, prevent or detect money laundering and fraud, and to manage your accountsaccount(s) It is important that you provide us with accurate information. For these purposes We may check your details with fraud prevention agencies and if you provide false or inaccurate information or we or they suspect fraud, this information may make further searchesbe recorded. Although these searches Fraud prevention agency records will be added to your record, they will not be shared with othersother organisations to help make decisions on credit, motor, household, life and other insurance proposals or claims for you and members of your household. We will use personal information about you which we acquire in connection with any application you make to us, or any agreement you enter into with us, to manage your agreement and the credit reference agencies may also use your record for statistical analysis or market research purposes. If we transfer, charge or assign your agreement to a third party or if we employ a third party to manage any aspect of your account, we will pass rele- vant information about credit and about insurance and fraudyou to them. Your Rights To Information Please contact telephone or write to us at 00000000000 the telephone number / address stated overleaf if you want to receive have details of the relevant credit reference agencies or any other agencies from whom we obtain, and fraud prevention agenciesto whom 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. A fee may be payable. Use of associated records Before entering into this agreement we may search records at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you if are linked financially. For the purposes of any application of this agreement you apply in writing. You may be treated as financially linked and you will need be assessed with reference to pay a fee“associated records”.

Use of Your Information. In considering whether to enter into this Agreement, We may search Your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner), We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate’s agreement to disclose their information for us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with Us, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate (s). These will remain on their files until you tell the agency that you are no longer financially linked and the agency accepts this. These records will be shared with other organisations and may be used and searched by Us and them in order to: ● Prevent fraud and money laundering, for example by:- - checking details on applications for credit and credit-related or other facilities; - managing credit and credit related accounts and other facilities; - recovering debts that you owe and tracing your whereabouts; - checking details on proposals and claims for all types of insurance; - checking details of job applications and employee records; ● Verify Your identity ● Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and ● Carry out statistical analysis to help with decisions about credit and account management. It is important that you give us You provide Us with accurate information. We will may check your Your details with fraud prevention agencies. If agencies and if You provide false or inaccurate information is provided or We suspect fraud, this information may be recorded and fraud is identified, details will be passed notified to fraud prevention agencies. Law enforcement agencies may access and use this information. We Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: • Checking details on applications for credit and credit related insurance proposals or other facilities; • Managing credit and credit related accounts or facilities; • Recovering debt; • Checking details on proposals and claims for all types You and members of insurance;• Checking Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 0000 000 0000 if You require details of job applications and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. We will also add to your record with the credit reference agencies details of your Agreement with us, the repayments you make under itor any other agencies from whom We obtain, and any default or failure to keep to its Terms and any change of address you fail to tell us about where a repayment is overdue. Credit reference agencies may share with other organisations credit searches and other whom We pass, information about you (and those you are associated financially with) that is provided to us or directly to them (or both). We and those other organisations may use the information about you, other members of your household, your business partners, other directors and shareholders (if you have any) to: • help make decisions about credit for you and them; • trace debtors, recover debt, confirm your identity, prevent money laundering and fraud, and manage your accounts. 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 the credit reference agencies may also use your record for statistical analysis about credit and about insurance and fraud. Your Rights To Information Please contact us at 00000000000 if you want to receive details of the relevant credit reference and fraud prevention agenciesYou. You have a legal right to these details. You have the right to receive a copy of the information we We hold about you You if you You apply to Us in writing. A small statutory fee will be payable. Your data remains on file for 6 years after Our files with Your information are closed, whether settled by You will need or in default. This is a condensed version of how We deal with Your information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found xxx.xxxxx.xx.xx/xxxxxxxxxxxxx. If You would like to pay make a feecomplaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 0000 000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to IWOCA Limited, Complaints Team, 00 XXX XXXX XXXXXX, XXXXXX XX0X 0XX. Our complaints handling procedures can be obtained using any of the above details. If You feel the complaint has not been satisfactorily resolved then, if You are not a business debtor, You have a right to complain to the Financial Ombudsman Service. If You are a business debtor You may have a right to complain to the Financial Ombudsman Service. The Financial Ombudsman can be contacted on 0845 023 4567 or by writing to The Financial Ombudsman Service, South Quay Plaza, 000 Xxxxx Xxxx, London E14 9SR or by email to xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx.xx.

Use of Your Information. It is important that Credit Reference Agencies In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). We may also make periodic searches at CRAs to manage your account with us. To do this, we will supply your personal information to CRAs and they will give us accurate information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information. We will check use this information to: • Assess your details creditworthiness and whether you, your financial associate(s), or your business can afford to take the product; • Verify the accuracy of the data you have provided to us; • Prevent criminal activity, fraud and money laundering; • Manage your account(s); • Trace and recover debts; and • Ensure any offers provided to you are appropriate to your circumstances. We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs. When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. If you are making a joint application, or tell us that you have a financial associate or business partner, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link. The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at any of these three links. Each link will take you to the same XXXXX document: • Equifax xxx.xxxxxxx.xx.xx/xxxxx • Experian xxx.xxxxxxxx.xx.xx/xxxxx • TransUnion xxx.xxxxxxxxxx.xx.xx/xxxxx Identity verification and fraud prevention checks The personal information we have collected from you will be shared with fraud prevention agenciesagencies who will use it to prevent fraud and money-laundering and to verify your identity. If false or inaccurate information is provided and fraud is identifieddetected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by visiting xxx.xxxxx.xxx.xx You can find further information about how we collect, use and disclose personal information about you by searching “privacy policy” on our website xxx.xxxxxx.xx.xx/xxxxxxxx-xxxxxxx/xxxxxxx-xxxxxx or by emailing us at XxxxxxxxXxxxxxx@xxxxxxxxxxxxxxxxxxxxx.xx.xx or calling us on 00000 000000 and requesting a copy of our “privacy policy”. Instruction to your bank or building society to pay by Direct Debit Please fill in the whole form using a ball point pen and send it to : Novuna Business Finance, Novuna House, To: The Manager Bank/building society Address Postcode Xxxxxx Road, Staines-upon-Thames, Surrey TW18 3HP Name and full postal address of your bank or building society Name(s) of accounts holder(s) Bank/building society account number Branch sort code Service user number Reference Instruction to your bank or building society Please pay Mitsubishi HC Capital UK PLC trading as Novuna Business Finance Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Novuna Business Finance and, if so, details will be passed electronically to fraud prevention agenciesmy bank/building Society. Law enforcement agencies Signature(s) Date DDI BF A5 02.22 Banks and Building Societies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, not accept Direct Debit Instructions for example, when: • Checking details on applications for credit and credit related or other facilities; • Managing credit and credit related accounts or facilities; • Recovering debt; • Checking details on proposals and claims for all some types of insurance;• Checking details of job applications account. This guarantee should be detached and employeesretained by the payer. We The Direct Debit Guarantee • This Guarantee is offered by all banks and other organisations may access and use from other countries building societies that accept instructions to pay Direct Debits • If there are any changes to the information recorded by fraud prevention agencies. We will also add to your record with the credit reference agencies details account, date or frequency of your Agreement with usDirect Debit Novuna Business Finance will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Novuna Business Finance to collect a payment, confirmation of the repayments amount and date will be given to you make under itat the time of the request • If an error is made in the payment of your Direct Debit, and any default by Novuna Business Finance or failure to keep to its Terms and any change of address you fail to tell us about where a repayment is overdue. Credit reference agencies may share with other organisations credit searches and other information about you (and those your bank or building society, you are associated financially with) that is provided entitled to us or directly to them (or both). We a full and those other organisations may use the information about you, other members of your household, your business partners, other directors and shareholders (if you have any) to: • help make decisions about credit for you and them; • trace debtors, recover debt, confirm your identity, prevent money laundering and fraud, and manage your accounts. 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 the credit reference agencies may also use your record for statistical analysis about credit and about insurance and fraud. Your Rights To Information Please contact us at 00000000000 if you want to receive details immediate refund of the relevant credit reference and fraud prevention agencies. You have a right to amount paid from your bank or building society Ȥ If you receive a copy of the information we hold about refund you if are not entitled to, you apply in writingmust pay it back when Novuna Business Finance asks you to • You can cancel a Direct Debit at any time by simply contacting your bank or building society. You will need to pay a feeWritten confirmation may be required. Please also notify us.

Use of Your Information. In considering whether to enter into this Agreement, We may search Your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner), We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's agreement to disclose their information for Us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with Us, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate(s). These will remain on their files until you tell the agency that you are no longer financially linked and the agency accepts this. These records will be shared with other organisations and may be used and searched by Us and them in order to: • Prevent fraud and money laundering, for example by: ◦checking details on applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts and other facilities; ◦recovering debts that you owe and tracing your whereabouts; ◦checking details on proposals and claims for all types of insurance; ◦checking details of job applications and employee records; • Verify Your identity • Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • Carry out statistical analysis to help with decisions about credit and account management. It is important that you give us You provide Us with accurate information. We will may check your Your details with fraud prevention agencies. If agencies and if You provide false or inaccurate information is provided or We suspect fraud, this information may be recorded and fraud is identified, details will be passed notified to fraud prevention agencies. Law enforcement agencies may access and use this information. We Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: • Checking details on applications for credit and credit related insurance proposals or other facilities; • Managing credit and credit related accounts or facilities; • Recovering debt; • Checking details on proposals and claims for all types You and members of insurance;• Checking Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 000 0000 0000 if You require details of job applications and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. We will also add to your record with the credit reference agencies details of your Agreement with us, the repayments you make under itor any other agencies from whom We obtain, and any default or failure to keep to its Terms and any change of address you fail to tell us about where a repayment is overdue. Credit reference agencies may share with other organisations credit searches and other whom We pass, information about you (and those you are associated financially with) that is provided to us or directly to them (or both). We and those other organisations may use the information about you, other members of your household, your business partners, other directors and shareholders (if you have any) to: • help make decisions about credit for you and them; • trace debtors, recover debt, confirm your identity, prevent money laundering and fraud, and manage your accounts. 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 the credit reference agencies may also use your record for statistical analysis about credit and about insurance and fraud. Your Rights To Information Please contact us at 00000000000 if you want to receive details of the relevant credit reference and fraud prevention agenciesYou. You have a legal right to these details. You have the right to receive a copy of the information we We hold about you You if you You apply to Us in writing. A small statutory fee will be payable. Your data and that of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You will need and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If You would like to pay make a fee.complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any of the above details. Only sign this agreement if You agree to the terms of this Agreement (including the terms and conditions above) and want to be legally bound by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:

Use of Your Information. What we will do when you apply: We will search your record at credit reference and fraud prevention agencies, which will include information about anyone with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications (a “financial associate”). It is important that may be your spouse or partner (not a business partner). We may also, in certain limited circumstances, if you are a director or partner in a small business check on your business. If you give us accurate information. We will check your details with fraud prevention agencies. If false or inaccurate information is provided and fraud is identifiedwe identify fraud, details we will be passed to 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 application and to verify your identity. What the credit reference agencies will do: Whether or not this application proceeds, 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 organisations 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 this application proceeds, the agencies will link your records and those of your financial associate(s), including any previous and 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 will supply us with credit information, such as previous applications, the conduct of accounts in your and your financial associate’s name, fraud prevention information and public information such as County Court judgments, bankruptcies and the Electoral Register. How we and others use the agency information: Some information held by the credit reference and fraud prevention agencies will be disclosed to us and other organisations may also access and use this information to to, for example: • prevent fraud and money laundering, for example, whenexample by checking details on: • Checking details on applications for credit and or credit related or other facilitiesactivity; • Managing credit and credit related accounts or facilities; • Recovering debt; • Checking details on proposals and claims for all types of insurance;• Checking details of insurance; • job applications applicants and employees. • recover debts that you owe and trace your whereabouts; • manage credit accounts and other facilities; • verify your identity; • make decisions on credit, insurance and other facilities, about you, your financial associate(s), members of your household or your business; and • carry out statistical analysis to help with decisions about credit and account management. We and other organisations may access and use use, from other countries countries, the information recorded by fraud prevention agencies. What we will also do when you have an agreement with us: We will also add to your record with the credit reference agencies details of your Agreement agreement with us, the repayments payments you make under it, and any default or failure to keep to its Terms terms and any change of address you fail name or address. Account information given to tell us about where a repayment is overdue. Credit reference agencies may share with other organisations credit searches and other information about you (and those you are associated financially with) that is provided to us or directly to them (or both). We and those other organisations may use the information about you, other members of your household, your business partners, other directors and shareholders (if you have any) to: • help make decisions about credit for you and them; • trace debtors, recover debt, confirm your identity, prevent money laundering and fraud, and manage your accounts. 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 the credit reference agencies may also use your record remains on file for statistical analysis about credit and about insurance and fraud6 years after the account is closed, whether settled by you or upon default. Your Rights To Information Please contact us at 00000000000 write to the Risk Operations Manager, Hitachi Personal Finance, 2 Apex View, Leeds, West Yorkshire LS11 9BH if you want to receive details of the relevant those credit reference and fraud prevention agenciesagencies from which we obtain, and to which we pass, information about you. You have a legal right to receive a copy these details. Operating your Account We may use your information (including details of the information we hold about how you if you apply in writing. You will need to pay a fee.conduct your account) to:

Use of Your Information. In considering whether to enter into this Agreement, We may search Your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner), We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate’s agreement to disclose their information for us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with Us, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate (s). These will remain on their files until you tell the agency that you are no longer financially linked and the agency accepts this. These records will be shared with other organisations and may be used and searched by Us and them in order to: ● Prevent fraud and money laundering, for example by:- - checking details on applications for credit and credit-related or other facilities; - managing credit and credit related accounts and other facilities; - recovering debts that you owe and tracing your whereabouts; - checking details on proposals and claims for all types of insurance; - checking details of job applications and employee records; ● Verify Your identity ● Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and ● Carry out statistical analysis to help with decisions about credit and account management. It is important that you give us You provide Us with accurate information. We will may check your Your details with fraud prevention agencies. If agencies and if You provide false or inaccurate information is provided or We suspect fraud, this information may be recorded and fraud is identified, details will be passed notified to fraud prevention agencies. Law enforcement agencies may access and use this information. We Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: • Checking details on applications for credit and credit related insurance proposals or other facilities; • Managing credit and credit related accounts or facilities; • Recovering debt; • Checking details on proposals and claims for all types You and members of insurance;• Checking Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 0000 000 0000 if You require details of job applications and employees. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. We will also add to your record with the credit reference agencies details of your Agreement with us, the repayments you make under itor any other agencies from whom We obtain, and any default or failure to keep to its Terms and any change of address you fail to tell us about where a repayment is overdue. Credit reference agencies may share with other organisations credit searches and other whom We pass, information about you (and those you are associated financially with) that is provided to us or directly to them (or both). We and those other organisations may use the information about you, other members of your household, your business partners, other directors and shareholders (if you have any) to: • help make decisions about credit for you and them; • trace debtors, recover debt, confirm your identity, prevent money laundering and fraud, and manage your accounts. 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 the credit reference agencies may also use your record for statistical analysis about credit and about insurance and fraud. Your Rights To Information Please contact us at 00000000000 if you want to receive details of the relevant credit reference and fraud prevention agenciesYou. You have a legal right to these details. You have the right to receive a copy of the information we We hold about you You if you You apply to Us in writing. A small statutory fee will be payable. Your data and that of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You will need to pay a feeand Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxxxxxxxx.

Use of Your Information. What we will do when you apply: We will search your record at credit reference and fraud prevention agencies, which will include information about anyone with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications (a “financial associate”). It is important that may be your spouse or partner (not a business partner). We may also, in certain limited circumstances, if you are a director or partner in a small business check on your business. If you give us accurate information. We will check your details with fraud prevention agencies. If false or inaccurate information is provided and fraud is identifiedwe identify fraud, details we will be passed to 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 application and to verify your identity. What the credit reference agencies will do: Whether or not this application proceeds, 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 organisations 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 this application proceeds, the agencies will link your records and those of your financial associate(s), including any previous and 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 will supply us with credit information, such as previous applications, the conduct of accounts in your and your financial associate’s name, fraud prevention information and public information such as County Court judgments, bankruptcies and the Electoral Register. How we and others use the agency information: Some information held by the credit reference and fraud prevention agencies will be disclosed to us and other organisations may also access and use this information to to, for example: • prevent fraud and money laundering, for example, whenexample by checking details on: • Checking details on applications for credit and or credit related or other facilitiesactivity; • Managing credit and credit related accounts or facilities; • Recovering debt; • Checking details on proposals and claims for all types of insurance;• Checking details of insurance; • job applications applicants and employees. • recover debts that you owe and trace your whereabouts; • manage credit accounts and other facilities; • verify your identity; • make decisions on credit, insurance and other facilities, about you, your financial associate(s), members of your household or your business; and • carry out statistical analysis to help with decisions about credit and account management. We and other organisations may access and use use, from other countries countries, the information recorded by fraud prevention agencies. What we will also do when you have an agreement with us: We will also add to your record with the credit reference agencies details of your Agreement agreement with us, the repayments payments you make under it, and any default or failure to keep to its Terms terms and any change of address you fail name or address. Account information given to tell us about where a repayment is overdue. Credit reference agencies may share with other organisations credit searches and other information about you (and those you are associated financially with) that is provided to us or directly to them (or both). We and those other organisations may use the information about you, other members of your household, your business partners, other directors and shareholders (if you have any) to: • help make decisions about credit for you and them; • trace debtors, recover debt, confirm your identity, prevent money laundering and fraud, and manage your accounts. 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 the credit reference agencies may also use your record remains on file for statistical analysis about credit and about insurance and fraud6 years after the account is closed, whether settled by you or upon default. Your Rights To Information Please contact us at 00000000000 write to the Head of Risk, Hitachi Personal Finance, 2 Apex View, Leeds, West Yorkshire LS11 9BH if you want to receive details of the relevant those credit reference and fraud prevention agenciesagencies from which we obtain, and to which we pass, information about you. You have a legal right to receive a copy these details. Operating your Account We may use your information (including details of the information we hold about how you if you apply in writing. You will need to pay a fee.conduct your account) to: