We (Moneyway) will store and process your information on the Moneyway 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 Moneyway 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.

We and other members of Moneyway may send you information about alternative products (including those of other companies) which may be of interest to you. We may pass your details to other selected businesses for them to send you information about their products and services. We will use your information in this way whether your application is successful or not. This information may be presented to you by mail, e-mail or telephone (including sending text messages). Please write to us at Moneyway, One Arleston Way, Solihull B90 4LH, if you do not wish to be told about these products and services. This right may be exercised at any time. 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.

In considering whether to enter into this agreement we will search your record at credit reference agencies. They will add, to their record about you, details of our search and your application and this will be seen by other organisations that make searches. This and other information about you and those with whom you are linked financially may be used to make credit decisions 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 record with the credit reference agencies details of your agreement with us, any payments you make under it and any default or failure to keep to its terms. These records will be shared with other organisations and may be used and searched by us and them to:

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 for 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 relevant information about you to them.

Please write to us at the address stated above if you want to have details of the credit reference agencies or any other agencies from whom we obtain, and to whom we pass, information about you including fraud prevention agencies. You have a legal right to these details. You have a right to receive a copy of the information we hold about you.