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We (Hitachi Personal Finance) will store and process your information on the Hitachi Group computers and in any other way. By "your information" we mean personal and financial information we (a) obtain from you or from third parties, such as credit reference agencies (who may search the Electoral Register), fraud prevention agencies or other organisations when you apply for an account or any other product or service or which you or they give to us at any other time or (b) learn from the way you use and manage your account(s), from the transactions you make such as the date, amount, currency and the name and type of supplier (eg supermarket services, medical services, retail services) and from the payments which are made to your account. We and other companies in the Hitachi Group will use your information to manage your account(s), give you statements and provide our services, for assessment and analysis (including credit and/or behaviour scoring, market and product analysis), and to develop and improve our services to you and other customers and protect our interests.

You can ask us for a copy of the information we keep about you. A fee will be charged for this service.
You agree that calls between us may be recorded and/or monitored.

We use credit reference agencies and fraud prevention agencies to: make enquiries when you ask for any lending products, or to assist us in managing your account, for example if we wish to consider changing your credit limit, or offering you other products, now or in the future;
share information: about you and how you manage your accounts; if you give us false or inaccurate information or we suspect fraud.

Credit reference agencies keep a record of our enquiries and may record, use and give out information we give them to other lenders, insurers and other organisations. If false or inaccurate information is provided or fraud is suspected, details will be passed to fraud prevention and credit reference agencies. Law enforcement agencies may also access and use this information. We and other organizations may also access and use this information to prevent and detect fraud, crime and money laundering and other crimes. Examples of circumstances when we would share your information or information relating to your partner or other members of your household include: checking details on applications for credit and credit related or other facilities, managing credit and credit-related accounts and facilities, recovering debt, checking details on proposals and claims for all types of insurance, checking details of job applicants and employees.

Please telephone us on 0344 375 5500 if you want to have details of those credit reference and fraud prevention agencies from whom we obtain and to whom we pass information about you. You have a legal right to these details.
The information recorded by fraud prevention agencies may be accessed and used by organisations in the UK and in other countries. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners where a financial 'association' has been created. Any enquiry we make at a credit reference agency may be assessed with reference to any associated records.

We may give information about you and how you manage your account to the following:

People who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential.
Anyone to whom we transfer or may transfer our rights and duties under this agreement for them and their group companies to use in the same way as described in this section, including for types of marketing referred to and methods of contact
We may also give out information about you if we have a duty to do so or if the law allows us to do so.
Otherwise we will keep information about you confidential.
In order to make some payments, the details of the payment (including information relating to those involved in the payment) may be sent abroad, where it could be accessible by overseas regulators and authorities in connection with their legitimate duties (e.g. the prevention of crime). If we transfer your information to a service provider or agent in another country, we will make sure that the service provider or agent agrees to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us.

By supplying us with an e-mail address during the application process you agree that we can send the documentation relating to your application for credit electronically, in a secure manner, to the e-mail address you provided.