Data Protection - Your information and what happens
to it
Your information
"you" and "your" refers to the Applicant(s)
"we" and "us" refers to On The Move Ltd, or their appointed
mortgage processing unit, or the lender (or any successor
in title or assignee of the lender) and
"Group" refers to the group of companies including one
or more of these parties
Your information may be held on a Group database and used
by us and any Group company for the purposes set out in
this part of the Terms. Your information includes any
information which we or any Group company holds, now or
at any time in the future (including after any mortgage
or other loan is repaid and any insurance cover ends)
and which comes from or relates to:-
1. Application forms or other dealings with any Group
company;
2. Third parties such as credit reference agencies and
parties associated with you and products and services
from or through any Group company.
We and other Group companies and others to whom we disclose
your information will use, analyse and assess your information
to maintain and develop relationships with you.
This will include the following purposes:
Purposes:
a) Considering any applications made by you;
b) Operating and administering the services we or they
supply;
c) Servicing your relationships with us and them;
d) Risk assessment, money laundering checks, compliance
and regulatory reporting and fraud prevention;
e) Helping to make decisions on any insurance proposals
and insurance claims, for you and members of your household;
f) Helping to identify products and services which may
interest you; and
g) Helping to understand and develop our or their business
including new and innovative products and services.
We, other Group companies and others to whom we disclose
your information may tell you, by letter, phone or fax
including automatic dialing, e-mail or other electronic
means, about products and services which we or they believe
would be of interest to you, and which are offered by
the Group or other companies. We will not disclose your
information outside the Group except:
a) To any persons who may use, analyse and assess your
information for the purposes set out above;
b) To any persons who provide a service to us and who
have agreed to keep your information strictly confidential;
c) To any persons, including insurers and/or lenders,
who supply benefits or services to you under or in connection
with this agreement;
d) To credit reference agencies and fraud prevention agencies
as set out below;
e) Where required to do so for the operational Purposes
a) to e) above; f) Where we have your consent; or
g) Where we are required or permitted to do so by law,
credit reference and fraud prevention agencies
For loan applications
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 or the Lender may use credit-scoring methods to assess
this application and to verify your identity.
Credit searches and other information provided to us and/or
the credit reference agencies, about you and those with
whom you are linked financially may be used by us, the
Lender and other companies 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.
For insurance applications
We or the Insurer may make searches about you at credit
reference agencies who will supply us with information,
including information from the Electoral Register, for
the purpose of verifying your identity.
The agencies will record details of the search whether
or not any application proceeds.
The searches will not be seen or used by lenders to assess
your ability to obtain credit.
We or the Insurer may use scoring methods to assess this
application and to verify your identity.
Credit searches and other information which is provided
to us and/or the Insurer and/or the credit reference agencies,
about you and those with whom you are linked financially
may be used by you and/or the Insurer and other companies
if you, or other members of your household, apply for
other facilities including insurance applications and
claims.
This information may also be used for debt tracing and
the prevention of money laundering as well as the management
of your account.
Alternatively, we or the Insurer may ask you to provide
physical forms of identification
To prevent or detect fraud
Or to assist in verifying your identity, we or the
Lender or the Insurer may make searches of Group records
and at fraud prevention agencies who will supply us with
information.
We or the Lender or the Insurer may also pass information
to financial and other organisations involved in fraud
prevention to protect ourselves and the Lender and the
Insurer and our customers from theft and fraud.
If you give us false or inaccurate information and we
suspect fraud, we will record this.
We, the Lender, the Insurer, 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 or motor, household, credit,
life or any other insurance facilities.
It may also be used for tracing and claims assessment.
Stating a financial association
By stating a financial association with another party,
you are also declaring that you are entitled to:
a) Disclose information about your joint applicant and/or
anyone else referred to by you
b) authorise us and the Lender to search, link and/or
record information at credit reference agencies about
you and/or anyone else referred to by you.
(c) 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.
(d) Where you borrow or may borrow from the Lender, the
Lender may give details of your account and how you manage
it to credit referenceagencies.
If you borrow and do not repay in full and on time, the
Lender may tell credit reference agencies who will record
the outstanding debt.
You have the right of access to your personal records
held on our files by written request to the address below
and on payment of a fee.
You have the right of access to your personal records
held by credit and fraud agencies.
We will supply their names and addresses upon request
to: see address
