Terms and Conditions
PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE
By using this website, the user ("user" or "you") agree to the following terms
of use. If you do not agree to these terms, you should exit the website.
Credit Connect UK reserves the right to alter the contents of this website at
any time without notice to you. Your continued use of this site implies that
you accept to be bound by any updated version of this site.
DATA PROTECTION NOTICE USE OF YOUR INFORMATION
In considering your application the Lenders (the full details of which are set
out below) will each search your records at the other agencies (the full
details of which are set out below) and will add to your credit record details
of that search and your application. This will be seen by other organisations
carrying out later searches.
By sending information to us in any form, you give Credit Connect UK the
permission to respond in the form of email, text mesages, fax, mail or by
telephone. The Lenders will also add to your credit record details of any
agreement you enter into with the lenders, the payments you make under it and
any default or failure to keep its terms. It is therefore very important that
any information you provide to the Lender is accurate because they will check
your details with the Other Agencies, and if you give them false or inaccurate
information and/or they suspect fraud, this information will be recorded by
them and be available to other organisations carrying out later searches.
The Other Agencies records will be used and searched by the Lenders and other
organisations to:
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Help make decisions about credit and credit related services for you and and
members of your household.
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Help make decision about motor, household, credit, life and other insurance
proposals and insurance claims for you and members of your household.
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Trace debtors, recover debt, prevent fraud and to manage your account or
insurance policies.
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Check your identity to prevent money laundering, unless you furnish the Lenders
with other satisfactory proof of identity.
In addition, the Lenders and the Other Agencies will also use these records for
statistical analysis about credit, insurance and fraud.
Your application will be submitted in the first instance to British Credit Trust
and other finance companies as required by ourselves to obtain finance for you.
Your finance proposal will be submitted to the relevant finance company, in
assessing your application, British Credit Trust and other finance companies
will make enquiries about you including searching your records held by Equifax
Plc and/or Experian Ltd ( or any other credit reference agency from time to
time) and checking your details with CIFAS and/or HUNTER (or any other fraud
prevention agency from time to time).
The credit reference and fraud prevention agencies will each keep details of any
search. This information may be used to help finance companies and other
organisations assess the financial risks of dealing with you and other members
of your household, to help make decisions on insurance proposals and insurance
claims, to administer agreements with you, to help prevent or detect fraud or
other crimes and recover debts and for statistical analysis about credit and
about insurance and fraud.
If you give false or inaccurate information and fraud is suspected then this
will be recorded. British Credit Trust and other finance companies may use a
'credit scoring' or other automated process in deciding whether to accept your
application. This may involve searching your records again at one or more
credit reference agencies (who will keep details of the search) as well as
using other information they hold about you.
When a Lender has made a decision about your application, the Lender may inform
any Broker and/or Dealer through whom the application was submitted of the
Lender's reason for accepting it (with or without conditions) or declining it.
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Privacy Policy
Credit Connect UK is committed to protecting your privacy on-line. We will only
request necessary information from you at the time of your application and we
will try to ensure that your details are accurate and kept up to date.
Information is collected lawfully and in accordance with the
Data Protection Act 1998. All personal data that is saved is held
safely, with security systems preventing unauthorised access and we always
ensure it is treated confidentially. We know privacy is important to you and so
we promise to respect your personal information.
Cookies
Cookies are small pieces of information that are stored in the hard drive of
your computer by your browser. We use cookies to enable us to personalise your
visits to our websites and to keep track of your use of the website. You will
find on your browser that you can opt to prevent websites using cookies but
before deciding this you should note that by selecting this option you may
reduce the speed and effectiveness of this website.
Our server will also record information about the volume and character of
website traffic and we use this information so we can see how our website is
being used and how it might be improved. This information is not personally
identifiable.
Policy Changes
We may change this policy from time to time as we add or improve our services
and our website, both in response to the changing nature of our business and
changes in the law. Users will not be notified of changes and whilst you are a
customer of Credit Connect UK, you may wish to check on a regular basis to see
if there have been any changes in our Privacy Policy.
We confirm your consent to the use of your personal information for these
purposes.
We will disclose your personal information:
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To our agents and Sub-contractors (including those based outside the European
Economic Area) under a strict code of secrecy and security
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To any person to whom we transfer our rights or obligations under the
agreement. If we are compelled to do so by law and for fraud prevention
purposes
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To licensed credit reference agencies to help us and others make credit
decisions.
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To third parties to enable them to provide details of products or services you
may be interested in.
Marketing Information: Credit Connect UK will retain information provided by you
on computer. One of the ways your information will be used is to send you
information or phone you about other products or services offered by Credit
Connect UK or other companies. Your name, address and phone number may be given
to these other companies for that purpose.
You have a right to receive a copy of the information a Lender and /or the
Other Agencies hold about you if you apply to them in writing and pay a fee.
The Lenders :
British Credit Trust Ltd.
New Salisbury House
302 High Street
Slough, Berks
SL1 1NA.
Tel 01753 573211
Welcome Finance Ltd.
1 Iridium Court
Saxon Way
Priory Park West
Hull
HU13 5PF
Other Agencies :
Equifax PLC
Department 1e,
PO Box 300
Glasgow
G81 2DT.
Tel 0990 143700
Experian Limited
Consumer Help Service,
PO Box 8000,
Nottingham
NG1 5HF.
Tel 01159 768747
CIFAS:
4th Floor - Central House
14 Upper Woburn Place
London
WC1H 0NN
www.cifas.org.uk
Broker:
Credit Connect UK
Unit 28
High Hazles Road
Manvers Business Park
Cotgrave
Nottingham
NG12 3GZ
Tel 0115 989 9550
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