Privacy Policy & Cookie Statement

• when you take a service or product from us;
• when you contact us, or if you have replied to a communication from us;
• from the electoral register;
• via a third party who sells your data.

Quick Quote

• contact details;
• email details;
• IP addresses;
• vehicle information.

Full Application

• contact details;
• date of birth;
• payment details;
• bank details;
• shopping preferences;
• email details;
• IP addresses;
• vehicle information.

Quick Quote

• We can identify you when you contact us;
• We can identify accounts, services and products you may have from us;
• We can offer you other products;
• We can prevent and detect fraud or loss;
• We can improve your account administration;
• We undertake marketing analysis and customer profiling;
• We can continue to market to you with relevant offers.

Full Application

• We can identify you when you contact us;
• We can identify accounts, services and products you may have from us;
• We can offer you other products;
• We can prevent and detect fraud or loss;
• We can check your information with fraud prevention agencies. If you give us false or inaccurate information and we suspect that there may be fraud we will record this;
• We can improve your account administration;
• We undertake marketing analysis and customer profiling;
• We can continue to market to you with relevant offers.

• Consent: you have given clear consent for us to process your personal data for a specific purpose.
• Contract: the processing is necessary for a contract (loan agreement) you have, or because you have asked us to take specific steps before entering into a contract (loan agreement).
• Legitimate interests: the processing is necessary for our legitimate interests or the legitimate interests of a third party unless there is a good reason to protect your personal data which overrides those legitimate interests.

Quick Quote

• all DTW employees;
• third parties including police or government agencies should they request it;
• if any officials request it for legal proceedings;
• credit brokers or affiliates - if we sell your data;
• if our company and all of its assets are bought by a third party your personal data will also be transferred to this third party;
• if we need to pass on personal data to others for marketing information and customer services;
• credit reference agencies - specifically www.equifax.co.uk, www.lendingmetrics.com;
• third parties who provided us with any outsourcing admin services.

Full Application

• all DTW employees;
• third parties including police or government agencies should they request it;
• if any officials request it for legal proceedings;
• debt purchasers - if we sell your debt;
• credit brokers or affiliates - if we sell your data;
• debt collectors if our loan remains unpaid;
• solicitors if our loan remains unpaid and we pursue you in court;
• if our company and all of its assets are bought by a third party your personal data will also be transferred to this third party;
• if we need to pass on personal data to others so that we can collect debts that are owed, marketing information and customer services;
• credit reference agencies - specifically www.equifax.co.uk, www.lendingmetrics.com;
• third parties who provided us with any outsourcing admin services.

Quick Quote

Full Application

We request and register to view up to 90 days of bank statements to assess your credit worthiness and make an informed decision as to whether the loan you seek is affordable.

Thereafter refreshed data can be used to assist in account reviews and assessing instalments.

Quick Quote

Full Application

Full Application Only

To do this, we will supply your personal information to CRAs and they will give us 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 use this information to:

• Assess your creditworthiness and whether you 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 spouse or financial associate, 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 https://www.equifax.co.uk/crain. Their privacy policies are available here: Equifax (https://www.equifax.co.uk/About-us/Privacy_policy.html), LendingMetrics (https://lendingmetrics.com/privacy-policy)

During application

• Nouveau Finance Ltd (nouveaufinance.com)
• DVLA*
• HPI (hpi.co.uk)*
• Askmid (askmid.com)*
• Quickdox (quickdox.co.uk)
• Collect a Case (collectacase.com)
• Anchor (anchor.co.uk)
• consents.online (consents.online)
• Perfect Data Solutions Ltd
• Equifax

During or after contract (loan agreement)

• Alph Legal
• DWS Legal
• Copart (copart.co.uk)
• Manheim (manheim.co.uk)
• 4Point Financial Services
• Burlington
• Swift Asset Services (swiftassetservices.co.uk)
• Gilson Gray Solicitors (gilsongray.co.uk)

• If we cannot provide you with a loan but our partner can;
• If our partner can provide you with another service.

• We make sure we do thorough checks on everyone we work with.
• Access to your data requires a unique code and is secured by location.
• We use encrypted software and all our sites use SSL certificates.
• We continually test our systems to see whether it can be penetrated by malicious software and outside third parties looking to steal data. Our regulators expect us to do this to ensure our systems are secure.

• letting you navigate between pages efficiently;
• enabling a service to recognise your computer so you don't have to give the same information during one task;
• recognising that you have already given a username and password so you don't need to enter it for every web page requested;
• measuring how many people are using services, so they can be made easier to use and that there is enough capacity to ensure that they are fast.

• The right to be informed
• The right of access
• The right of rectification
• The right to erasure
• The right to restrict processing
• The right to data portability
• The right to object
• Rights in relation to automated decision making and profiling.

For further information in relation to your rights visit www.ico.org.uk