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Privacy Statement
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We take your privacy seriously and as such we are registered
with the Data Protection Registrar. Our registration number is
Z8703415.
Affiniti Digital
Media Limited
comprises the following entities:
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Now-finance.co.uk
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Affiniti Digital Media
Limited
This Privacy
Statement is observed by all entities
that form part of Affiniti Digital Media Limited.
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Affiniti Digital Media Limited
receives, holds and processes
information relating to individuals ("personal
data") in accordance with the
Data Protection Act 1998 ("DPA98"). In
doing so, Affiniti Digital Media Limited is committed
to maintaining the privacy and
protection of all personal data
collected in pursuance of its introducer
loan services. Affiniti Digital Media Limited is
further committed to ensuring that its
websites are absolutely secure in their
collection and use of your personal
information. Affiniti Digital Media Limited
is registered on the
public register of data controllers
maintained by the Information
Commissioner.
The general
principles under the DPA98 that Affiniti
Digital Media
Limited will follow at all times are set
out below.
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AFFINITI DIGITAL MEDIA
LIMITED'S COLLECTION AND USE OF YOUR
PERSONAL DATA
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Affiniti Digital Media
Limited collects and processes
your personal data to introduce
you to loan broker
services.
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As an introducer Affiniti
Digital Media Limited
will use your personal data
provided on your completed
application form to carry out
the following functions:
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Provide your information to
a broker as preliminary
information prior to them
contacting you to help assess
your suitability for
brokering a loan.
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We may
also use your information (with
your consent where applicable)
to:
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Offer
you other products or
services which are available
from or via Affiniti Digital
Media Limited.
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Contact you in the future to
offer you products or
services that we feel may be
of interest to you.
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Enable us to pass your
details to another broker in
the future with a view to
them offering you products
or services they feel may be
of interest to you.
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Permit access to your
information by any
regulatory authority where
required to by law and to
ensure that we are complying
with all regulatory
requirements when processing
your data.
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We will
keep your information for as
long as you allow us to do so.
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Lenders
to whom the application
(comprising the information you
have sent to us and information
you have subsequently given
direct to the broker) is
passed will make wider use of
the information than a broker.
If you have received any lender
documents, they should include a
statement telling you what they
will do with the information, or
telling you where to look to
find out what use they will make
of it. This statement will
usually be near any signature
box, or clearly placed on the
front page. If the information
is not by the signature box
there may be an "information
padlock" sign like the one shown
below drawing your attention to
where the information is.
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Brokers
to whom we have passed your
application information and almost all lending
companies will check the
information supplied on loan or
mortgage applications with data
held by credit reference
agencies. The lender may search
on more than one occasion. Every
time a search is made it is
recorded by the agency and
disclosed to other organisations
on any later searches.
Lenders will use the information
obtained in the credit reference
searches to help them assess the
application and they may use the
result of any search in a credit
scoring system. A credit scoring
system is a system by which
points are given for various
factors like your age, your job
or even for information obtained
from a credit reference agency,
such as how you have repaid
previous or existing credit.
Lenders use different methods of
scoring depending upon their
interpretation of the importance
of different factors and the
level of risk they are willing
to accept.
The lender may check your
details with the credit
reference agency or with other
agencies (see 'other agencies'
section) to satisfy itself that
all the details on the
application are true, and that
the application has really been
made by you. If it suspects
information is false or
inaccurate it may report it to a
fraud prevention agency. Please
ensure the information is true
as lending companies will check
with fraud prevention agencies
and if you give false or
inaccurate information, and the
lender suspects fraud, it will
record this.
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Sometimes
a lender may not wish to lend.
This may be for a number of
reasons. The lender may think
you cannot afford the loan. If
it is a secured loan, your
property may not be of
sufficient value.
A lender does not have to tell
you exactly why you have been
refused a loan but you can ask
them for the name and address of
any credit reference agency used
and they will supply this
information free of charge.
If you are refused credit
because of a computerised credit
scoring system you can ask the
lender for an explanation of how
their credit scoring works (this
applies only if the decision has
been made on the basis of a
computerised system alone). The
lender may charge a small fee
for providing this information.
You also have the right to
require a personal, non
automated review of the
decision.
Nobody has a right to receive a
loan.
Loans are always granted at the
discretion of the lending
company.
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Use of
information once a loan has been
made
All lending companies keep
information about their
customers in their own records.
This will include all the
initial information given by
you, and extra information about
how your account has been run
and any other dealings between
you and the lender.
Lenders will record the conduct
of any loan throughout its
duration, including how
punctually the payments are made
and other information, with one
or more of the credit reference
agencies. This enables them, and
others, to make decisions about
credit and credit-related
services for you and other
members of your household
including decisions on motor and
household credit, life and other
insurance proposals and
insurance claims.
Information may also be provided
to the 'other agencies' listed
below. These will help lenders
and other subscribers to those
agencies to trace debtors,
recover debt, prevent fraud and
to check your identity to
prevent money laundering. In
particular, any difference
between the information given by
you or your broker and any later
information discovered by the
lender is likely to be noted.
Lenders may also use your
information for statistical
analysis about credit, insurance
and fraud. This may be done by
them or by third parties
contracted to do the work for
them. If they use a contractor,
they are obliged to ensure that
your data is properly secure.
Many lenders will also need to
give information about you and
your account to their bankers,
other providers, insurers and
re-insurers of funding for their
lending or any other product
they have offered to you.
If your broker or lender intends
to use your information for any
purposes not included above, it
will explain this in its
documents.
Brokers and lenders are under a
legal duty to keep all the
information they hold accurate
and up to date.
The
agencies do not keep
"blacklists" nor do they give
any opinion about whether or not
credit should be granted. They
do have a duty to keep
information up to date and
accurate.
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Credit
Reference Agencies
The main credit reference
agencies are:
Callcredit plc
Consumer Services Team
PO Box 491
Leeds
LS1 5XX
Experian Limited
Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX
Equifax plc
Credit File Advice Service
PO Box 3001
Glasgow
G81 2DT
All lending companies use one or
more of these agencies. Credit
reference agencies keep a wide
range of information. This
includes information from the
electoral roll (sometimes known
as the voters roll) and records
of most county court judgements
and bankruptcies. They also
retain information relating to
previous and existing credit and
a record of searches made
against the file. The lenders
share information through the
agencies providing a history of
how punctually payments are
being made or have been made.
Loan information is usually held
on file for 6 years. Details of
the voters roll may be held for
much longer. Information about
credit searches is kept for up
to two years.
Other Agencies
CIFAS
Reports
from CIFAS relating to fraud and
fraud avoidance are also
available to its members (most
lenders) - these contain
information indicating that
fraud, or attempted fraud, has
been notified by a lender. The
information might not directly
relate to you, it might relate
to someone who has tried to
impersonate you. Data available
to members of CIFAS, may also be
used to help make decisions on
motor, household, credit, life
and other insurance proposals
for you and members of your
household.
CML Repossession Register
The
Council of Mortgage Lenders,
Repossession Register is
available to its members through
the main credit reference
agencies. If you have had a
property repossessed or have
given it up voluntarily this
will show on the register.
GAIN
A file may
also show a "gone away" marker
indicating that a member of the
"Gone Away Information Network"
has reported that they cannot
trace a customer who is in
arrears with payments.
Alternatively, the marker may
indicate a new address which the
"gone away" has been traced to.
HUNTER
Files in
this register contain detailed
information on applications made
and loans given. It is aimed at
tracing fraudsters who use
different combinations of
information to obtain credit
dishonestly. It checks and
counter checks information given
on application forms.
If your
broker or lender uses any of the
above agencies they will be able
to confirm their contact
addresses. CIFAS information is
intended to warn lenders and act
as a protection for innocent
customers.
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If you
wish to see the information
contained on a credit reference
agency file you can do so by
writing to the relevant agency.
The agency must respond within 7
working days. There is a small
fee of £2 required. If your
credit reference file contains
information about other people
with whom you have no financial
connection or if it contains
information which is incorrect
you can ask for the entry to be
corrected, removed, or have a
note put on the file explaining
why you think the information is
wrong. The agency will not
remove correct information.
The
Information Commissioner
provides a useful leaflet which
explains how to request changes
to your credit reference file.
The easy to read leaflet
includes examples of letters and
details of various actions you
may take to amend a file. You
can obtain a copy of the free
leaflet by writing to:
No
Credit Leaflet
P.O. Box 99
Nelson
BB9 8GS
Information is also available at
www.dataprotection.gov.uk
Should you
wish to obtain a copy of the
personal data we hold on you
please write to the Compliance
Department, Affiniti Digital
Media Limited, Prospect House, 7
Greystones Drive, Reigate,
Surrey, RH2 0HA enclosing your
payment of £10 (cheque payable
to "Affiniti Digital Media Ltd") for our
administration costs. As soon as
we are satisfied as to your
identity we will send you,
within 40 days, a copy of all
the data we hold concerning you.
Please contact us at the same
address if you have any reason
to believe the data we hold on
you is inaccurate.
Like many
websites, when you visit our
website we issue a 'cookie' or
unique code that allows us to
identify your computer. We use
the cookie to record where
applicable, the website that
referred you to our site and to
note the different areas of our
website recently accessed
through your computer - it is
only used in relation to our
website and not in relation to
any other websites you may
visit. We may use the
information collected in this
way to tell you about services
or products which might be of
interest to you when you make
further visits to this website.
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COLLECTION
AND USE OF PERSONAL DATA
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Affiniti Digital Media
Limited shall collect and
process all personal data in
respect of its data subjects in
line with the following data
protection principles:
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Affiniti Digital Media Limited shall
collect and process all
personal data fairly and
lawfully;
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Affiniti Digital Media Limited shall only
use personal data for the
purposes stated at the time
of its collection and shall
seek the customers consent
before using the personal
data for any other purpose
with the exception of
purposes for which Affiniti
Digital Media
Limited is required to
process data by any
legislation or regulatory
requirement;
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Affiniti Digital Media Limited shall ensure
that all personal data
collected is adequate,
relevant and not excessive,
for the purposes for which
it is processed;
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Affiniti Digital Media Limited shall ensure
that all personal data is
accurate and where necessary
kept up to date;
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Affiniti Digital Media Limited shall ensure
that all personal data is
retained for no longer than
is necessary for the purpose
for which it is being
processed;
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Affiniti Digital Media Limited shall ensure
that personal data is
processed in accordance with
the rights of the data
subject;
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Affiniti Digital Media Limited shall obtain
the data subjects prior
written consent before
processing sensitive
personal data.
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Affiniti Digital Media Limited shall ensure
that appropriate technical
and organisation measures
are taken against
unauthorised or unlawful
processing of personal data
and against accidental loss
or destruction of, or damage
to, personal data.
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RIGHT TO
INFORMATION
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Affiniti Digital Media
Limited shall ensure that all
data subjects will benefit from
the following rights:
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The
right to request information
as to whether or not
personal data relating to
the data subject is being
processed by Affiniti
Digital Media Limited
and the right to receive a
response to such a request;
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The
right to request information
from Affiniti Digital Media Limited, as to
the purpose of the process
of personal data;
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The
right to request information
from Affiniti Digital Media Limited as to
the recipients of any
personal data where personal
data has been disclosed;
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The
right to receive, in an
intelligible and permanent
form, copies of personal
data undergoing process and
any available information as
to its source;
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Affiniti Digital Media
Limited shall ensure that any
reasonable requests for
information will be met without
constraint.
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RIGHT TO
OBJECT
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The data
subject shall have a right to
object at any time on legitimate
grounds in relation to the
processing of his or her
personal data by Affiniti
Digital Media
Limited.
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Where a
data subject has objected to the
processing of personal data
relating to him or her, and such
objection is justified, Affiniti
Digital Media
Limited shall desist from the
processing of the personal data
at issue in respect of that data
subject until further notice.
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RETENTION
POLICY AND SECURITY OF PROCESSING
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Affiniti Digital Media
Limited shall implement
technical and organisational
measures to protect personal
data against accidental or
unlawful destruction, or
accidental loss or alteration,
and unauthorised disclosure or
access (in particular where the
process involves transmission of
personal data over a network)
and against all other unlawful
forms of processing.
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Affiniti Digital Media
Limited shall ensure a level of
security appropriate to the risk
represented by the process and
nature of their personal data to
be protected, having all due
regard to the state of the art
and costs measures.
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Data
bases which contain sensitive
personal data shall be protected
by fire walls and access
passwords.
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OUTSOURCING
TO A DATA PROCESSOR
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Where
personal data has been
outsourced to a third party,
such outsourcing shall be
undertaken in line with a
written agreement between
Affiniti Digital Media Limited and the third
party in question and shall
specify the rights and
obligation of each party and in
particular shall state that the
third party shall have adequate
security measures in place and
shall only process personal data
on the specific written
instructions of Affiniti Digital
Media Limited.
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DISCLOSURES
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Affiniti Digital Media
Limited shall not sell, rent,
share, trade or disclose any
personal data it keeps relating
to a data subject to any other
parties without the prior
written consent of the relevant
data subject, with the exception
of companies to which you agree
at the time you submit your
online application may receive
your data, and companies within
Affiniti Digital Media
Limited and any suppliers with
which Affiniti Digital Media Limited have
engaged to provide services and
are involved in the processing
of personal data on Affiniti
Digital Media
Limited's behalf.
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Not
withstanding the above, Affiniti
Digital Media
Limited reserves the right to
disclose personal data to the
police, and relevant regulatory
or other bodies, as required by
law or regulation and in the
event of the sale of its
business (or part thereof) where
it is necessary to do so in
order to affect the sale of a
data subject's personal data in
connection with such a business
sale.
Contacting
Us
If you have any questions about our Data
Protection Policy, the Terms of
Use or any other aspect of this
website please contact us at:
Affiniti Digital
Media Limited
Prospect House
7 Greystones Drive
Reigate
Surrey
RH2 0HA
E-mail.
enquiry@now-finance.co.uk
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