USE OF YOUR INFORMATION

Credit reference agencys

In considering your application for credit Black Horse Ltd will search your record at Credit Reference Agencies. They will add details of this search and your application to your record and this will be seen by other organisations that make searches. Information held about you by the credit reference agencies may already be linked to records relating to other people with whom you have a financial association. In connection with your application you may be treated as financially linked with them and assessed with reference to any such associated records.

If you are a joint applicant or if you have told us of some other financial association with another person, you are declaring that you are entitled to:

• disclose information about your joint applicant and anyone else referred to by you
• authorise us to search, link or record information at credit reference agencies about you and anyone else referred to by you.

Black Horse will use a credit scoring system when assessing your application.

Black Horse will also add to your record with the credit reference agencies details of your agreement with them, the payments you make under it and any default or failure to keep to its terms and any change of address you fail to tell them about where a payment is overdue.

It is important that you provide accurate information. Black Horse will check your details with fraud prevention agencies, and if you give false or inaccurate information and they suspect fraud, they will record this.

These records will be shared with other organisations and used by Black Horse and them to:

• help make decisions about credit and credit related services such as insurance for you and members of your household
• trace debtors, recover debt, prevent money laundering and fraud, and to manage your accounts.

For these purposes Black Horse or they may make further searches. Although these searches will be added to your record, they will not be shared with others.

Black Horse, the credit reference agencies and fraud prevention agencies will also use your record for statistical analysis about credit and about insurance and fraud.

Fraud prevention agency records will also be shared with other organisations to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims for you and members of your household.

Please telephone Black Horse on *Freephone 0800 328 7230 if you want to have details of these credit reference and fraud prevention agencies from whom they obtain and to whom they pass information about you. You have a legal right to these details. * Or Textphone 0208 447 7177.

Sharing your information with others

Black Horse will keep information about you and about your agreement on a group database. Any company in their group with which you have an agreement or which receives an application from you may use and update this centrally held information for the purposes of such agreement and application, to help establish your identity, to recover amounts owing and to prevent fraud.

Black Horse may pass information about you and about your agreement to anyone they have appointed to help administer your agreement, to your credit insurer for administration, claims handling and fraud prevention (which could include passing it to other insurers), to insurance companies or to recover amounts owing or to anyone to whom they transfer the agreement. They may discuss your agreement with the supplying retailer.

Black Horse will share information about your application, and its outcome, with us.

You have a right to receive a copy of the information Black Horse hold about you if you apply in writing. A fee will be payable.

Use of your information for marketing

Black Horse may use your information in order to select and tell you about products and services available from them or other companies in their Group and the Lloyds TSB group of companies which may be of interest to you and Black Horse may share your information with them for analysis for marketing purposes or so that they may contact you about their products and services. Black Horse may also use your information to tell you about products and services which they can introduce from selected businesses outside their Group. They may pass your information to the retailer, or the manufacturer and all companies within the manufacturer group for possible further business with you and agencies conducting market research for them and to selected insurers who may use it for marketing purposes.

Telephone Calls

Black Horse may monitor or record some telephone calls but for the purposes only of maintaining and improving their service standards or for training their staff.

The companies in the Black Horse group include Black Horse Limited and other subsidiaries.