Common use of Use of Your Information Clause in Contracts

Use of Your Information. In considering whether to enter into this Agreement, We may search Your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner), We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's agreement to disclose their information for Us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with Us, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate(s). These will remain on their files until you tell the agency that you are no longer financially linked and the agency accepts this. These records will be shared with other organisations and may be used and searched by Us and them in order to: • Prevent fraud and money laundering, for example by: ◦checking details on applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts and other facilities; ◦recovering debts that you owe and tracing your whereabouts; ◦checking details on proposals and claims for all types of insurance; ◦checking details of job applications and employee records; • Verify Your identity • Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or inaccurate information or We suspect fraud, this information may be recorded and notified to fraud prevention agencies. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 000 0000 0000 if You require details of the credit reference agencies or any other agencies from whom We obtain, and whom We pass, information about You. You have a legal right to these details. You have the right to receive a copy of the information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data and that of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If You would like to make a complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any of the above details. Only sign this agreement if You agree to the terms of this Agreement (including the terms and conditions above) and want to be legally bound by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:

Use of Your Information. The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by visiting xxx.XXXXX.xx.xx In considering whether order to enter into this Agreementprocess your application, We may search Your record we will perform credit and that of your ‘financial associates’ (if identity checks on you have one) at with one or more credit reference agencies (“CRAs”). Where you take services from us we may also make periodic searches at CRAs to manage your account with us. 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 agenciesinformation. A ‘financial associate’ is 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 person relationship with whom You have or have hadus. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, joint personal financial arrangements such as joint accounts or have made joint credit applicationsCRAs will record the outstanding debt. It This information may be Your spouse or partner (not supplied to other organisations by CRAs. When CRAs receive a business partner), We search from us they will place a search footprint on your credit file that may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain creditlenders. If You you tell Us us that You you have a spouse or financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's agreement to disclose their information for Us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with Us, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies we will link your records together, so you should make sure you discuss this with them, and those of share with them this information, before lodging the application. CRAs will also link your financial associate(s). These records together and these links will remain on your and their files until such time as you tell or your partner successfully files for a disassociation with the agency CRAs to break that you are no longer financially linked and link. The identities of the agency accepts this. These records will be shared with other organisations and may be used and searched by Us and them in order to: • Prevent fraud and money launderingCRAs, for example by: ◦checking details on applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts and other facilities; ◦recovering debts that you owe and tracing your whereabouts; ◦checking details on proposals and claims for all types of insurance; ◦checking details of job applications and employee records; • Verify Your identity • Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or inaccurate information or We suspect fraud, this information may be recorded and notified to 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 xxxxx://xxx.xxxxxxxxxxxxxxxxxxxxxx.xx.xx/privacy-policy/xxxxx. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 000 0000 0000 if You require details This is also accessible from each of the credit reference agencies three CRAs: Callcredit xxx.xxxxxxxxxx.xx.xx Equifax xxx.xxxxxxx.xx.xx Experian xxx.xxxxxxxx.xx.xx or any other agencies from whom We obtain, and whom We pass, information about You. You have a legal right to these details. You have the right to receive you can obtain a copy of this information by asking the information We hold about You if You apply person who is responsible for supplying you with the goods financed under this agreement. Hitachi Personal Finance is a trading style of Hitachi Capital (UK) PLC. Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered Office: Hitachi Capital House, Xxxxxx Road, Staines-upon-Thames, TW18 3HP Registered in Cardiff No. 1630491 This guarantee should be retained by the Payer. THE DIRECT DEBIT GUARANTEE • This Guarantee is offered by all Banks and Building Societies that accept instructions to Us pay Direct Debits. • If there are any changes to the amount, date or frequency of your Direct Debit, Hitachi Capital will notify you 10 working days in writingadvance of your account being debited or as otherwise agreed. A small statutory fee If you request Hitachi Capital to collect a payment, confirmation of the amount and date will be payablegiven to you at the time of the request. Your data and that • If an error is made in the payment of your partnersDirect Debit, directors by Hitachi Capital or your bank or building society, you are entitled to a full and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If You would like to make a complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any immediate refund of the above detailsamount paid from your bank or building society - If you receive a refund you are not entitled to, you must pay it back when Hitachi Capital asks you to. Only sign this agreement if • You agree to the terms of this Agreement (including the terms and conditions above) and want to can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be legally bound by its termsrequired. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:Please also notify us.

Use of Your Information. In considering whether to enter into this Agreement, We may search Your record and that of your ‘financial associates’ (if will make searches about you have one) 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 may use credit‐scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by Omni Capital Retail Finance Limited 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. To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records and at fraud prevention agenciesagencies who will supply us with information. A ‘We may also pass information to financial associate’ is a person with whom You have and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or have hadinaccurate information and we suspect fraud, joint personal financial arrangements such as joint accounts we will record this. Law enforcement agencies may access and use this information. We, members of the Group, and other companies may use this information if decisions are made about you or have made joint others at your address(es) on credit applicationsor credit‐related services or motor, household, credit, life or other insurance facilities. It may also be Your spouse or partner (not a business partner), We used for tracing and claims assessment. Before entering into this agreement we may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. You must For the purposes of this application you may be sure You have Your financial associate's agreement treated as financially linked and you will be assessed with reference to disclose their information for Us “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to use credit reference agencies. If you borrow and do not repay in the manner described herein. We full and on time, we may also add to Your records with the tell credit reference agencies details of Your agreement(s) with Us, who will record the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate(s). These will remain on their files until you tell the agency that you are no longer financially linked and the agency accepts thisoutstanding debt. These records will be shared with other organisations and may be used and searched by Us us and them in order to: • Prevent fraud and money laundering, for example by: ◦checking details on Consider applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts services, for you and other facilitiesany associated person; ◦recovering debts that you owe Trace debtors, recover debts, prevent or detect money laundering and tracing your whereabouts; ◦checking details on proposals and claims for all types of insurance; ◦checking details of job applications and employee records; • Verify Your identity • Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or inaccurate information or We suspect fraud, and to manage your account(s) If we transfer any of our rights and duties under this agreement to any person or company, we will pass relevant information may be recorded and notified about you to fraud prevention agenciesthem. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please If you write to Us at Our address stated above, or telephone Us on 000 0000 0000 if You require details of the credit reference agencies or any other agencies from whom We obtain, us and whom We pass, information about You. You pay a fee you have a legal right of access to these detailsyour information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xxxxxxx, XX00 0XX. You have the right ofaccess to receive your personal records held by credit and fraud agencies on payment of a copy fee. If you ask we will tell you the name and address of the information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data credit reference and that of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If You would like to make a complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any of the above details. Only sign this agreement if You agree to the terms of this Agreement (including the terms and conditions above) and want to be legally bound by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:fraud prevention agencies we use.

Use of Your Information. In considering whether to enter into this Agreement, We may search Your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner), We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's ’s agreement to disclose their information for Us us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with Us, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate(sassociate (s). These will remain on their files until you tell the agency that you are no longer financially linked and the agency accepts this. These records will be shared with other organisations and may be used and searched by Us and them in order to: • ● Prevent fraud and money laundering, for example by: ◦by:- - checking details on applications for credit and credit-related or other facilities; ◦- managing credit and credit related accounts and other facilities; ◦- recovering debts that you owe and tracing your whereabouts; ◦- checking details on proposals and claims for all types of insurance; ◦- checking details of job applications and employee records; • ● Verify Your identity • ● Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • ● Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or inaccurate information or We suspect fraud, this information may be recorded and notified to fraud prevention agencies. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 0000 000 0000 0000 if You require details of the credit reference agencies or any other agencies from whom We obtain, and whom We pass, information about You. You have a legal right to these details. You have the right to receive a copy of the information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data and that of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled by You or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxxxxx.xxxxx.xx.xx/xxxxxxxxxxxxx. If You would like to make a complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 0000 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca LtdIWOCA Limited, Complaints Team, 00 Xxxxx Xxxxxx XxxxxXXX XXXX XXXXXX, Xxxxxx XXXXXX XX0X 0XX. Our complaints handling procedures can be obtained using any of the above details. Only sign this agreement If You feel the complaint has not been satisfactorily resolved then, if You agree are not a business debtor, You have a right to complain to the terms of this Agreement (including Financial Ombudsman Service. If You are a business debtor You may have a right to complain to the terms and conditions above) and want Financial Ombudsman Service. The Financial Ombudsman can be contacted on 0845 023 4567 or by writing to be legally bound The Financial Ombudsman Service, South Quay Plaza, 000 Xxxxx Xxxx, London E14 9SR or by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:email to xxxxxxxxx.xxxx@xxxxxxxxx-xxxxxxxxx.xxx.xx.

Use of Your Information. Credit Reference Agencies In considering whether order to enter into this Agreementprocess your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). We may search Your record also make periodic searches at CRAs to manage your account with us. To do this, we will supply your personal information to CRAs and that of they will give us information about you. This will include information from your ‘credit application and about your financial associates’ situation and financial history. CRAs will supply to us both public (if you have oneincluding the electoral register) at credit reference and shared credit, financial situation and financial history information and fraud prevention agenciesinformation. A ‘We will use this information to: • Assess your creditworthiness and whether you, your financial associate’ is associate(s), or your business 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 person relationship with whom You have or have hadus. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, joint personal financial arrangements such as joint accounts or have made joint credit applicationsCRAs will record the outstanding debt. It This information may be Your spouse or partner (not supplied to other organisations by CRAs. When CRAs receive a business partner), We search from us they will place a search footprint on your credit file that may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain creditlenders. If You you are making a joint application, or tell Us us that You you have a financial associateassociate or business partner, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's agreement to disclose their information for Us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with Us, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies we will link your records together, so you should make sure you discuss this with them, and those of share with them this information, before lodging the application. CRAs will also link your financial associate(s). These records together and these links will remain on your and their files until such time as you tell or your partner successfully files for a disassociation with the agency 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 any of these three links. Each link will take you are no longer financially linked to the same XXXXX document: • Equifax xxx.xxxxxxx.xx.xx/xxxxx • Experian xxx.xxxxxxxx.xx.xx/xxxxx • TransUnion xxx.xxxxxxxxxx.xx.xx/xxxxx Identity verification and the agency accepts this. These records fraud prevention checks The personal information we have collected from you will be shared with other organisations and may be used and searched by Us and them in order to: • Prevent fraud and money laundering, for example by: ◦checking details on applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts and other facilities; ◦recovering debts that you owe and tracing your whereabouts; ◦checking details on proposals and claims for all types of insurance; ◦checking details of job applications and employee records; • Verify Your identity • Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies who will use it to prevent fraud and if You provide false money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or inaccurate employment. Further details of how your information or We suspect fraud, this information may will be recorded used by us and notified to these fraud prevention agencies. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 000 0000 0000 if You require details of the credit reference agencies or any other agencies from whom We obtain, and whom We passyour data protection rights, can be found by visiting xxx.xxxxx.xxx.xx You can find further information about You. You have a legal right to these details. You have the right to receive how we collect, use and disclose personal information about you by searching “privacy policy” on our website xxx.xxxxxx.xx.xx/xxxxxxxx-xxxxxxx/xxxxxxx-xxxxxx or by emailing us at XxxxxxxxXxxxxxx@xxxxxxxxxxxxxxxxxxxxx.xx.xx or calling us on 00000 000000 and requesting a copy of our “privacy policy”. Instruction to your bank or building society to pay by Direct Debit Please fill in the information We hold about You whole form using a ball point pen and send it to : Novuna Business Finance, Novuna House, To: The Manager Bank/building society Address Postcode Xxxxxx Road, Staines-upon-Thames, Surrey TW18 3HP Name and full postal address of your bank or building society Name(s) of accounts holder(s) Bank/building society account number Branch sort code Service user number Reference Instruction to your bank or building society Please pay Mitsubishi HC Capital UK PLC trading as Novuna Business Finance Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Novuna Business Finance and, if You apply to Us in writing. A small statutory fee so, details will be payablepassed electronically to my bank/building Society. Your data Signature(s) Date DDI BF A5 02.22 Banks and Building Societies may not accept Direct Debit Instructions for some types of account. This guarantee should be detached and retained by the payer. The Direct Debit Guarantee • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits • If there are any changes to the account, date or frequency of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled Direct Debit Novuna Business Finance will notify you 10 working days in advance of your account being debited or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxxas otherwise agreed. If You would like you request Novuna Business Finance to make collect a complaint about payment, confirmation of the services provided by Us, amount and date will be given to you at the time of the request • If an error is made in the first instancepayment of your Direct Debit, by Novuna Business Finance or your bank or building society, you are entitled to a full and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any immediate refund of the above detailsamount paid from your bank or building society Ȥ If you receive a refund you are not entitled to, you must pay it back when Novuna Business Finance asks you to • You can cancel a Direct Debit at any time by simply contacting your bank or building society. Only sign this agreement if You agree to the terms of this Agreement (including the terms and conditions above) and want to Written confirmation may be legally bound by its termsrequired. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:Please also notify us.

Use of Your Information. In considering whether to enter into this Agreement, What we will do when you apply: We may will search Your your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person , which will include information about anyone with whom You have you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applicationsapplications (a “financial associate”). It may be Your your spouse or partner (not a business partner), . We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You you are a director or partner in a small business, We may also business check on Your your business. Details If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information. We will use a scoring or other automated decision-making system to assess your application and to verify your identity. What the credit reference agencies will do: Whether or not this application proceeds, the credit reference agency will place a record of Our our search and Your application will be added to their records about Youon your credit file. This record (but not our name) will be seen by other organisations that make searcheswhen you apply for credit in the future. A large number of applications within a short period of time could affect Your your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's agreement to disclose their information for Us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with UsWhether or not this application proceeds, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate(s), including any previous and subsequent names. These links will remain on your and their files until you or they tell the agency that you are no longer financially linked and the agency accepts this. These records The agencies will supply us with credit information, such as previous applications, the conduct of accounts in your and your financial associate’s name, fraud prevention information and public information such as County Court judgments, bankruptcies and the Electoral Register. How we and others use the agency information: Some information held by the credit reference and fraud prevention agencies will be shared with disclosed to us and other organisations and may be used and searched by Us and them in order to, for example: • Prevent prevent fraud and money laundering, for example by: ◦by checking details on on: • applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts and other facilitiesactivity; ◦recovering debts that you owe and tracing your whereabouts; ◦checking details on • proposals and claims for all types of insurance; ◦checking details of • job applications applicants and employee recordsemployees. • recover debts that you owe and trace your whereabouts; • Verify Your identity manage credit accounts and other facilities; • Make verify your identity; • make decisions on credit, insurance and other facilities, about Youyou, Your your financial associate(s), members of Your your household or Your your business; and • Carry carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We and other organisations may check Your details with fraud prevention agencies access and if You provide false or inaccurate use, from other countries, the information or We suspect fraud, this information may be recorded and notified to by fraud prevention agencies. Law enforcement What we will also do when you have an agreement with us: We will add to your record with the credit reference agencies may access details of your agreement with us, the payments you make under it, any default or failure to keep its terms and use this informationany change of name or address. Fraud prevention agency records will be shared with other organisations Account information given to help make decisions credit reference agencies remains on credit; on motorfile for 6 years after the account is closed, household, life and other insurance proposals whether settled by you or claims for You and members of Your household and law enforcement agenciesupon default. Please write to Us at Our address stated abovethe Risk Operations Manager, or telephone Us on 000 0000 0000 Hitachi Personal Finance, 2 Apex View, Leeds, West Yorkshire LS11 9BH if You require you want details of the those credit reference agencies or any other and fraud prevention agencies from whom We which we obtain, and whom We to which we pass, information about Youyou. You have a legal right to these details. You have the right to receive a copy of the Operating your Account We may use your information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data and that of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version (including details of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If You would like to make a complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any of the above details. Only sign this agreement if You agree to the terms of this Agreement (including the terms and conditions aboveyou conduct your account) and want to be legally bound by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreementto:

Use of Your Information. In considering whether to enter into this Agreement, We may search Your record and that of your ‘financial associates’ (if will make searches about you have one) at credit reference agencies who will supply us with credit informa on, as well as informa on from the Electoral Register. The agencies will record details of the search whether or not this applica on proceeds. We may use credit‐scoring methods to assess this applica on and fraud prevention to verify your xxxx xx. Credit searches and other informa on which is provided to us and/or the credit reference agencies. A ‘financial associate’ is a person , about you and those with whom You have you are linked financially may be used by Omni Capital Retail Finance Limited and other companies if credit decisions are made about you, or have hadother members of your household. This informa on may also be used for debt tracing and the preven on of money laundering as well as the management of your account. To prevent or detect fraud, joint personal financial arrangements such as joint accounts or have to assist in verifying your xxxx xx, we may make searches of Group records and at fraud preven on agencies who will supply us with informa on. We may also pass informa on to financial and other organisa ons involved in fraud preven on to protect ourselves and our customers from the and fraud. If you give us false or inaccurate informa on and we suspect fraud, we will record this. Law enforcement agencies may access and use this informa on. We, members of the Group, and other companies may use this informa on if decisions are made joint about you or others at your address(es) on credit applicationsor credit‐related services or motor, household, credit, life or other insurance facili es. It may also be Your spouse or partner (not a business partner), We used for tracing and claims assessment. Before entering into this agreement we may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies, which may be linked to your spouse/partner, or other persons with whom you are linked financially. You must For the purposes of this applica on you may be sure You have Your financial associate's agreement treated as financially linked and you will be assessed with reference to disclose their information for Us “associated records”. Where you borrow or may borrow from us, we may give details of your account and how you manage it to use credit reference agencies. If you borrow and do not repay in the manner described herein. We full and on me, we may also add to Your records with the tell credit reference agencies details of Your agreement(s) with Us, who will record the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate(s). These will remain on their files until you tell the agency that you are no longer financially linked and the agency accepts thisoutstanding debt. These records will be shared with other organisations and may be used and searched by Us us and them in order to: • Prevent fraud and money laundering, for example by: ◦checking details on Consider applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts services, for you and other facilitiesany associated person; ◦recovering debts that you owe Trace debtors, recover debts, prevent or detect money laundering and tracing your whereabouts; ◦checking details on proposals and claims for all types of insurance; ◦checking details of job applications and employee records; • Verify Your identity • Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or inaccurate information or We suspect fraud, and to manage your account(s) If we transfer any of our rights and du es under this agreement to any person or company, we will pass relevant information may be recorded and notified about you to fraud prevention agenciesthem. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please If you write to Us at Our address stated above, or telephone Us on 000 0000 0000 if You require details of the credit reference agencies or any other agencies from whom We obtain, us and whom We pass, information about You. You pay a fee you have a legal right of access to these detailsyour information held by us. Write to us at Omni Capital Retail Finance Limited, Xxx Xxxxx, Xxxxx Xxxxxxxx, Xx xxx, XX00 0XX. You have the right ofaccess to receive your personal records held by credit and fraud agencies on payment of a copy fee. If you ask we will tell you the name and address of the information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data credit reference and that of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If You would like to make a complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any of the above details. Only sign this agreement if You agree to the terms of this Agreement (including the terms and conditions above) and want to be legally bound by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:fraud prevention agencies we use.

Use of Your Information. In considering whether to enter into this Agreement, We may search Your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner), We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's ’s agreement to disclose their information for Us us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with Us, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate(sassociate (s). These will remain on their files until you tell the agency that you are no longer financially linked and the agency accepts this. These records will be shared with other organisations and may be used and searched by Us and them in order to: • ● Prevent fraud and money laundering, for example by: ◦by:- - checking details on applications for credit and credit-related or other facilities; ◦- managing credit and credit related accounts and other facilities; ◦- recovering debts that you owe and tracing your whereabouts; ◦- checking details on proposals and claims for all types of insurance; ◦- checking details of job applications and employee records; • ● Verify Your identity • ● Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • ● Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or inaccurate information or We suspect fraud, this information may be recorded and notified to fraud prevention agencies. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 0000 000 0000 0000 if You require details of the credit reference agencies or any other agencies from whom We obtain, and whom We pass, information about You. You have a legal right to these details. You have the right to receive a copy of the information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data and that of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If You would like to make a complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any of the above details. Only sign this agreement if You agree to the terms of this Agreement (including the terms and conditions above) and want to be legally bound by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:xxx.xxxxx.xx.xx/xxxxxxxxxxxxx.

Use of Your Information. In considering whether to enter into this Agreement, We may agreement we will search Your your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person with whom You have or have hadThey will add, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be Your spouse or partner (not a business partner)to their record about you, We may also, in certain limited circumstances, check the record, including credit details, details of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our our search and Your your application will be added to their records about You. This and this will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link This and record other information about You both at you and those with whom you are linked financially may be used to make credit reference agencies. You must be sure You have Your financial associate's agreement to disclose their information for Us to use in the manner described hereindecisions about you and those with whom you are financially linked. We may use a credit scoring or other automated decision making system. We will also add to Your records your record with the credit reference agencies details of Your agreement(s) your agreement with Usus, the any payments You you make under it, it and any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate(s). These will remain on their files until you tell the agency that you are no longer financially linked and the agency accepts thisterms. These records will be shared with other organisations and may be used and searched by Us us and them in order to: • Prevent fraud and money laundering, for example by: ◦checking details on Consider applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts services, such as insurance, for you and other facilities; ◦recovering debts that you owe any associated person • Trace debtors, recover debts, prevent or detect money laundering and tracing fraud, and to manage your whereabouts; ◦checking details on proposals and claims for all types of insurance; ◦checking details of job applications and employee records; • Verify Your identity • Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • Carry out statistical analysis to help with decisions about credit and account management. account(s) It is important that You you provide Us us with accurate information. We may check Your your details with fraud prevention agencies and if You you provide false or inaccurate information or We we suspect fraud, this information may be recorded and notified to fraud prevention agencies. Law enforcement agencies may access and use this informationrecorded. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on , motor, household, life and other insurance proposals or claims for You you and members of Your household your household. We will use personal information about you which we acquire in connection with any application you make to us, or any agreement you enter into with us, to manage your agreement and law enforcement agenciesfor statistical or market research purposes. If we transfer, charge or assign your agreement to a third party or if we employ a third party to manage any aspect of your account, we will pass rele- vant information about you to them. Please telephone or write to Us us at Our the telephone number / address stated above, or telephone Us on 000 0000 0000 overleaf if You require you want to have details of the credit reference agencies or any other agencies from whom We we obtain, and to whom We we pass, information about Youyou. You have a legal right to these details. You have the a right to receive a copy of the information We we hold about You if You apply to Us in writingyou. A small statutory fee will may be payable. Your data and that Use of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policyassociated records Before entering into this agreement we may search records at credit reference agencies, which is available on requestmay be linked to your spouse/partner, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxxother persons with whom you are linked financially. If You would like to make a complaint about For the services provided by Us, in the first instance, and to allow Us to resolve purposes of any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any application of the above details. Only sign this agreement if You agree you may be treated as financially linked and you will be assessed with reference to the terms of this Agreement (including the terms and conditions above) and want to be legally bound by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:“associated records”.

Use of Your Information. In considering whether to enter into this Agreement, What we will do when you apply: We may will search Your your record and that of your ‘financial associates’ (if you have one) at credit reference and fraud prevention agencies. A ‘financial associate’ is a person , which will include information about anyone with whom You have you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applicationsapplications (a “financial associate”). It may be Your your spouse or partner (not a business partner), . We may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You you are a director or partner in a small business, We may also business check on Your your business. Details If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information. We will use a scoring or other automated decision-making system to assess your application and to verify your identity. What the credit reference agencies will do: Whether or not this application proceeds, the credit reference agency will place a record of Our our search and Your application will be added to their records about Youon your credit file. This record (but not our name) will be seen by other organisations that make searcheswhen you apply for credit in the future. A large number of applications within a short period of time could affect Your your ability to obtain credit. If You tell Us that You have a financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's agreement to disclose their information for Us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with UsWhether or not this application proceeds, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies will link your records and those of your financial associate(s), including any previous and subsequent names. These links will remain on your and their files until you or they tell the agency that you are no longer financially linked and the agency accepts this. These records The agencies will supply us with credit information, such as previous applications, the conduct of accounts in your and your financial associate’s name, fraud prevention information and public information such as County Court judgments, bankruptcies and the Electoral Register. How we and others use the agency information: Some information held by the credit reference and fraud prevention agencies will be shared with disclosed to us and other organisations and may be used and searched by Us and them in order to, for example: • Prevent prevent fraud and money laundering, for example by: ◦by checking details on on: • applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts and other facilitiesactivity; ◦recovering debts that you owe and tracing your whereabouts; ◦checking details on • proposals and claims for all types of insurance; ◦checking details of • job applications applicants and employee recordsemployees. • recover debts that you owe and trace your whereabouts; • Verify Your identity manage credit accounts and other facilities; • Make verify your identity; • make decisions on credit, insurance and other facilities, about Youyou, Your your financial associate(s), members of Your your household or Your your business; and • Carry carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We and other organisations may check Your details with fraud prevention agencies access and if You provide false or inaccurate use, from other countries, the information or We suspect fraud, this information may be recorded and notified to by fraud prevention agencies. Law enforcement What we will also do when you have an agreement with us: We will add to your record with the credit reference agencies may access details of your agreement with us, the payments you make under it, any default or failure to keep its terms and use this informationany change of name or address. Fraud prevention agency records will be shared with other organisations Account information given to help make decisions credit reference agencies remains on credit; on motorfile for 6 years after the account is closed, household, life and other insurance proposals whether settled by you or claims for You and members of Your household and law enforcement agenciesupon default. Please write to Us at Our address stated abovethe Head of Risk, or telephone Us on 000 0000 0000 Hitachi Personal Finance, 2 Apex View, Leeds, West Yorkshire LS11 9BH if You require you want details of the those credit reference agencies or any other and fraud prevention agencies from whom We which we obtain, and whom We to which we pass, information about Youyou. You have a legal right to these details. You have the right to receive a copy of the Operating your Account We may use your information We hold about You if You apply to Us in writing. A small statutory fee will be payable. Your data and that of your partners, directors and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version (including details of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If You would like to make a complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any of the above details. Only sign this agreement if You agree to the terms of this Agreement (including the terms and conditions aboveyou conduct your account) and want to be legally bound by its terms. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreementto:

Use of Your Information. The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found by visiting xxx.XXXXX.xx.xx In considering whether order to enter into this Agreementprocess your application, We may search Your record we will perform credit and that of your ‘financial associates’ (if identity checks on you have one) at with one or more credit reference agencies (“CRAs”). Where you take services from us we may also make periodic searches at CRAs to manage your account with us. 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 agenciesinformation. A ‘financial associate’ is 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 person relationship with whom You have or have hadus. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, joint personal financial arrangements such as joint accounts or have made joint credit applicationsCRAs will record the outstanding debt. It This information may be Your spouse or partner (not supplied to other organisations by CRAs. When CRAs receive a business partner), We search from us they will place a search footprint on your credit file that may also, in certain limited circumstances, check the record, including credit details, of other members of Your family and, if You are a partner in a small business, We may also check on Your business. Details of Our search and Your application will be added to their records about You. This will be seen by other organisations that make searches. A large number of applications within a short period of time could affect Your ability to obtain creditlenders. If You you tell Us us that You you have a spouse or financial associate, We will search, link and record information about You both at credit reference agencies. You must be sure You have Your financial associate's agreement to disclose their information for Us to use in the manner described herein. We may also add to Your records with the credit reference agencies details of Your agreement(s) with Us, the payments You make under it, any default or failure to keep to its terms and any change of address. The agencies we will link your records together, so you should make sure you discuss this with them, and those of share with them this information, before lodging the application. CRAs will also link your financial associate(s). These records together and these links will remain on your and their files until such time as you tell or your partner successfully files for a disassociation with the agency CRAs to break that you are no longer financially linked and link. The identities of the agency accepts this. These records will be shared with other organisations and may be used and searched by Us and them in order to: • Prevent fraud and money launderingCRAs, for example by: ◦checking details on applications for credit and credit-related or other facilities; ◦managing credit and credit related accounts and other facilities; ◦recovering debts that you owe and tracing your whereabouts; ◦checking details on proposals and claims for all types of insurance; ◦checking details of job applications and employee records; • Verify Your identity • Make decisions on credit, insurance and other facilities, about You, Your financial associate(s), members of Your household or Your business; and • Carry out statistical analysis to help with decisions about credit and account management. It is important that You provide Us with accurate information. We may check Your details with fraud prevention agencies and if You provide false or inaccurate information or We suspect fraud, this information may be recorded and notified to 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 xxxxx://xxx.xxxxxxxxxxxxxxxxxxxxxx.xx.xx/privacy-policy/xxxxx. Law enforcement agencies may access and use this information. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for You and members of Your household and law enforcement agencies. Please write to Us at Our address stated above, or telephone Us on 000 0000 0000 if You require details This is also accessible from each of the credit reference agencies three CRAs: Callcredit xxx.xxxxxxxxxx.xx.xx Equifax xxx.xxxxxxx.xx.xx Experian xxx.xxxxxxxx.xx.xx or any other agencies from whom We obtain, and whom We pass, information about You. You have a legal right to these details. You have the right to receive you can obtain a copy of this information by asking the information We hold about You if You apply person who is responsible for supplying you with the goods financed under this agreement. Hitachi Personal Finance is a trading style of Hitachi Capital (UK) PLC. Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered Office: Hitachi Capital House, Xxxxxx Road, Staines-upon-Thames, TW18 3HP Registered in Cardiff No. 1630491 This guarantee should be retained by the Payer. THE DIRECT DEBIT GUARANTEE • This Guarantee is offered by all Banks and Building Societies that accept instructions to Us pay Direct Debits. • If there are any changes to the amount, date or frequency of your Direct Debit, Hitachi Capital will notify you 10 working days in writingadvance of your account being debited or as otherwise agreed. A small statutory fee If you request Hitachi Capital to collect a payment, confirmation of the amount and date will be payablegiven to you at the time of the request. Your data and that • If an error is made in the payment of your partnersDirect Debit, directors by Hitachi Capital or your bank or building society, you are entitled to a full and shareholders remains on file for 6 years after Our files with Your and their information are closed, whether settled or in default. This is a condensed version of how We deal with You and Your partners’ or directors’ information. Further and xxxxxx information is provided in our Privacy Policy, which is available on request, or can be found at xxx.xxxxx.xx.xx/xxxxxxx_xxxxxx. If You would like to make a complaint about the services provided by Us, in the first instance, and to allow Us to resolve any problems, please telephone Us on 000 0000 0000, email Us at xxxxxxx@xxxxx.xx.xx or write to iwoca Ltd, Complaints Team, 00 Xxxxx Xxxxxx Xxxxx, Xxxxxx XX0X 0XX. Our complaints handling procedures can be obtained using any immediate refund of the above detailsamount paid from your bank or building society - If you receive a refund you are not entitled to, you must pay it back when Hitachi Capital asks you to. Only sign this agreement if • You agree to the terms of this Agreement (including the terms and conditions above) and want to can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be legally bound by its termsrequired. Signed for and on behalf of iwoca Ltd Signature of Customers(s): Signature: Xxxxxx-Xxxxxx Xxxxxx Date of Signature: Date of Agreement:Please also notify us.