In considering your applications we will search your record at credit reference agencies who will provide us with credit information, including details from the Electoral Register.  They will add to your record details of our search and your applications 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 others with whom you have a joint account or similar financial association.  All parties’ information may be taken into account in future applications until one of you successfully files a ‘notice of disassociation’ at the credit reference agencies.

We will use a credit scoring or other automated decision making system when assessing your applications.

We will also add to your record with the credit reference agencies details of your agreements with us and any default or failure to keep to their terms.  It is important that you give us accurate information.  We will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud, we will record this.  Law enforcement agencies may access and use this information. 

These records will be shared with other organisations and used by us and them to:

·         help make decisions about credit and credit related services such as insurance for you and members of your household;

·         trace debtors, recover debt, prevent money laundering and fraud, and to manage your accounts.

·         check details of job applicants and employees.

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, the credit reference agencies and fraud prevention agencies will also use the records for statistical analysis about credit and about insurance and fraud.  We may also use information about you to carry out market research.

 Fraud prevention agency records will also be shared with other organisations to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household.  We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

 Please telephone us on FREEPHONE '0800 CREDIT' (273348) if you want to have details of those credit reference and fraud prevention agencies from whom we obtain and to whom we pass information about you.  You have a legal right to these details.

 We may also use the information

·          to apply for credit protection insurance on your behalf

·          to meet any disclosure requirements under the law

·          to meet our internal Group processing, disclosure and audit requirements

·          to facilitate any relevant payment system

We may record telephone conversations for security or training purposes.  If we do we will advise you at the time.

 You have a right to receive a copy of the information we hold about you if you apply to us in writing.  A fee will be payable.

 We may send you information about products of ours and those of others which we consider relevant and appropriate and may be of interest to you.

 We may pass your details to other group companies and/or selected other businesses to send you information about their products. 

You have a right at any time to stop us from direct marketing you by mail, fax, telephone, or e-mail, or giving your details to others for the purpose of direct marketing.

 You should write to our marketing department at JCB Finance Ltd, The Mill, High Street, Rocester, Staffordshire, ST14 5JW if you wish us to stop using any or all of the above means of contacting you or passing your information to other businesses, for direct marketing purposes.

 We will keep your personal information protected and retain it only for as long as the law requires or permits.