In applying for a loan we will use credit-scoring or other automated systems to assess your application and verify your identity.

We will search your records through credit reference agencies who will supply credit information as well as information from the Electoral Register. They will always record details of this search.

We and other companies may use these records and other information to make credit and insurance related decisions about you, and help manage your account. The records may also be used to make credit decisions about your current spouse, partner or any other individual identified as being financially associated with you.

We will check your details with fraud prevention agencies. Should you provide false or inaccurate information and we suspect fraud, we will record this and the information may be used by law enforcement agencies.

We and other organisations may use these records and information recorded by fraud prevention agencies in other countries to prevent fraud and money laundering.

Further details can be sent to you explaining how your information may be used.