We will treat all your information as private and confidential (even when you are no longer a client) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your loan. Where your application has been introduced by a third party, for example another broker, we may disclose information concerning the progress of your application to them. We will be pleased to confirm if this is the case.
We will store the information about you on computer and in other records. We will only use this information for the purposes registered under the Data Protection Act 1998, and where appropriate the Data Protection (Bailiwick of Guernsey) Law 2001. This may include sharing your information with other companies in the Valour Finance Group.
As part of the Finance Industry Standards Association's (FISA) duties we may be asked to provide access to our records so that FISA may carry out an audit of our activities. If we disclose your personal information to FISA, they have agreed with us that it will only use this information for the purposes of compliance with their Codes of Practice and not for any other reason.
Further information regarding data protection will be provided by us with any loan documentation that may be sent to you.
Further details of the companies in the Valour Finance Group are available from the Data Protection Officer (below)
You have the right of access to your personal records upon request to:
Data Protection Officer
Valour Finance Group
Stockport
SK1 1TB
Unless you advise us to the contrary, both we and any other broker or lender we refer your application to may contact you by letter, e-mail or fax to offer other products which they feel may be of interest to you.
If you do not wish to be contacted by best4loans.com (or other companies in the Valour Finance Group Limited) offering other products which we think may be of interest to you please write to the Data Protection Officer as above, or e-mail your name and address (including postcode) to unsubscribe@best4loans.co.uk
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. We may use credit-scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by best4loans.com and other companies of The Valour Finance Group, and other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.
To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records and at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. We, members of the Group, and other companies may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.
By stating a financial association with another party, you are also declaring that you are entitled to:
Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records.
We may or lenders we pass you to may make searches about you at credit reference agencies who supply us and lenders with credit information, as well as information from the Electoral Register. The agencies may record details of the search whether or not this application proceeds. We may use credit-scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by Best4loans.com and other companies of Valour Finance Group, and other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.
To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records and at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. We, members of the Group, and other companies may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.
By stating a financial association with another party, you are also declaring that you are entitled to:
Where you borrow from one of our lenders they may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on time, we may tell credit reference agencies who will record the outstanding debt.
If we're not able to offer the full amount you're looking for we'll continue searching to find an alternative offer or may pass your details onto another finance company that we consider will be able to offer you a suitable loan or financial service. We may in some circumstances make you aware of other loans or financial services that we think may be applicable to your circumstances offered by ourselves and other associate companies.