How we collect data about you
We may collect and process the following data about you:
Information you give us
You may give us information about you when you submit an application through our website www.midlandcredit.co.uk or by communicating with us by phone, email or otherwise. This includes information you provide when you provide us with feedback or comment on social media sites.
The information you give us may include your name, address, email address, phone number, date of birth, employment details, driving licence details, passport information, bank card, account number and transactions, credit history and IP addresses.
Information we collect about you
Each time you visit our website we may automatically collect the following information: (a) technical information, including the Internet protocol (IP) address used to connect your device to the Internet, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform; (b) information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our website (including date and time); pages you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page.
Information we receive from other sources.
We work closely with third parties including service providers, lenders, analytics providers and affiliates. We may receive information about you from them.
We collect website usage information by using cookies. Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information. This information is used to track visitor use of the website and to compile statistical reports on website activity.
How we use the information
The data that you have provided will be used to process and determine your application for finance, prior to entering into a contract. The lawful basis for processing your data is that “processing is necessary for the performance of a contract.”
We will use information held about you in the following ways:
Information you give to us or we collect from other third parties on your behalf as part of our services
We will use this information to:
(a) Process your finance application, administer your account and relationship with us and to, communicate with you by telephone, mail, email, text (SMS) message, instant messaging or other electronic means;
(b) verify your identity as part of our identity authentication process
(c) provide you with the information, products and services that you request from us;
(d) provide you with information about other products and services we offer that are similar to those that you have already purchased or enquired about; if you have given consent for this
(e) share with lenders and dealers offering specialist finance to enable them to undertake analysis of your credit information, contact you by telephone, email, text (SMS) or other electronic means in relation to your application, validate if you are an existing customer (which may affect whether you can be accepted for one of their products) or for fraud prevention purposes
(f) notify you about changes to our services;
(g) ensure that content from our website is presented in the most effective manner for you and your device;
(h) aggregate it on an anonymous basis with other data for data analytical and reporting purposes; and
(i) identify and inform you of credit products that we consider are likely to be of interest to you or be suited to your credit circumstances.
Information we collect about you
We will use this information:
(a) to administer our website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
(b) to build up a picture of your interests so that you don’t miss information relevant to you when you visit our website;
(c) to improve the service we offer you and to try and ensure that you get the best from our website, ensuring that content is presented in the most effective manner for you and for the devices you use to access it;
(d) to allow you to participate in interactive features of our service, when you choose to do so;
(e) as part of our efforts to keep our website safe and secure;
(f) to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
(g) to make suggestions and recommendations to you and other users of our website about products or services that may interest you or them.
Information we receive from other sources
We may combine this information with information you give to us and information we collect about you. We may us this information and the combined information for the purposes set out above (depending on the types of information we receive).
We may monitor or record telephone conversations or other communications between you and us. We may use these recordings or transcripts of them to check your instructions to us, analyse, assess and improve our services to customers, for training and quality purposes and for the purposes of investigating any complaint you may make, or as evidence in any dispute or anticipated disputes between you and us.
Who your data can be disclosed to
Disclosure of your data to others may be necessary to ensure the smooth provision to you of the products, services and information you request. Your data may be disclosed to the other entities as described below.
We may share your information with selected third parties including:
(a) Finance Lenders and Dealers offering specialist finance within our panel, for analysis of your credit information (and any other data provided by you or on your behalf) to identify and inform you of finance products that are likely to be suited to your credit circumstances.
(b) Analytics and search engine providers that assist us in the improvement and optimisation of our website.
To process your application, the finance lenders and specialist finance providers will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”).
To do this, the personal information that you have supplied will be sent via the finance lender or specialist finance provider, to credit reference agencies (CRAs) who will provide back to that provider, personal information about you. This will include information about your financial situation and financial history. CRAs will supply both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.
This information will be used to:
(a) Assess your creditworthiness and whether you can afford to take the product
(b) Verify the accuracy of the data you have provided to us
(c) Prevent criminal activity, fraud and money laundering
(d) Ensure any offers provided to you are appropriate to your circumstances.
When CRAs receive a search enquiry, they will place a search footprint on your credit file that will not be seen by other lenders, until a contract is entered into with that lender / finance provider.
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 each of the three CRAs websites – clicking on any of these three links will take you to the same CRAIN document:
We have processes and systems that protect our customers and ourselves against fraud and other crime. Customer information can be used to prevent crime and trace those responsible. We will share your personal information with fraud prevention agencies, if false or inaccurate information is provided and fraud is identified.
We may disclose your personal information to third parties if:
(a) we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
(b) Midland Credit Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets; and
(c) We are under a duty to disclose or share your personal data to comply with any legal obligation, or to enforce or apply our Terms and other agreements; This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
We will only use your personal information to administer your finance application and to provide you with details of products relating to this application. We will contact you using the details that you have provided, to update you on the progress of your application by phone, email and SMS.
We will not share your data with third parties for marketing purposes.
Where we store your data
All information you provide to us is stored on encrypted systems to ensure data security.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access, loss or damage.
How long we keep your information for
How long we keep your information will depend on the purpose for which we use it. We will only retain your information for as long as is necessary for those purposes.
Please note that if you withdraw consent to the processing of your personal data, access to our website and the associated services will be suspended or terminated. We will keep an archived record of your personal data for a period of up to seven years from the application date.
Third party websites
Our website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
The Website is not intended for use by individuals under the age of 18 and we are unable to accept an application from an individual under the age of 18. We do not knowingly collect personal information from individuals under the age of 18.
You have the right to request a copy of the information that we hold about you and if you feel that any of the personal information we hold is inaccurate, you may also request that it is corrected or erased.
You have a right in certain circumstances to require us to stop processing your personal information and/or to withdraw your agreement to processing based on ‘consent’. This does not apply where we have overriding grounds for processing (ie. Where processing is necessary for the performance of a contract) or if there is any other justifiable legal reason to continue processing.
If you want us to stop contacting you about your finance application, please email email@example.com and we will update our records accordingly.
You can request the deletion or removal of personal data where there is no compelling reason for its continued processing. An archive of your application will be held in accordance with the data retention periods.
We will take reasonable steps to confirm your identity before actioning the data request. We will aim to respond as quickly as possible or in any case, one month.
If you wish to make a complaint on how we have handled your personal data, you can contact us to have the matter investigated. If you are not satisfied with our response or believe we are not processing your personal data in accordance with the law, you can complain to the Information Commissioner’s Office.
How to contact us