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PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS
WEBSITE
By using this website, the user ("user" or "you") agree
to the following terms of use. If you do not agree to these terms, you should
exit the website.
Meridian Finance reserves the right to alter the contents of this website at
any time without notice to you. Your continued use of this site implies that you
accept to be bound by any updated version of this site.
DATA PROTECTION NOTICE USE OF YOUR INFORMATION
In considering your application the Lenders (the full details of which are
set out below) will each search your records at the other agencies (the full
details of which are set out below) and will add to your credit record details
of that search and your application. This will be seen by other organisations
carrying out later searches.
By sending information to us in any form, you give Meridian Finance the
permission to respond in the form of email, text messages, fax, mail or by
telephone. The Lenders will also add to your credit record details of any
agreement you enter into with the lenders, the payments you make under it and
any default or failure to keep its terms. It is therefore very important that
any information you provide to the Lender is accurate because they will check
your details with the Other Agencies, and if you give them false or inaccurate
information and/or they suspect fraud, this information will be recorded by them
and be available to other organisations carrying out later searches.
The Other Agencies records will be used and searched by the Lenders and other
organisations to:
- Help make decisions about credit and credit related services for you and
and members of your household.
- Help make decision about motor, household, credit, life and other
insurance proposals and insurance claims for you and members of your
household.
- Trace debtors, recover debt, prevent fraud and to manage your account or
insurance policies.
- Check your identity to prevent money laundering, unless you furnish the
Lenders with other satisfactory proof of identity.
In addition, the Lenders and the Other Agencies will also use these records
for statistical analysis about credit, insurance and fraud.
Your
finance proposal will be submitted to the relevant finance company, in assessing
your application, the finance companies will make enquiries about you including
searching your records held by Equifax Plc and/or Experian Ltd (or any other
credit reference agency from time to time) and checking your details with CIFAS
and/or HUNTER (or any other fraud prevention agency from time to time).
The credit reference and fraud prevention agencies will each keep details of
any search. This information may be used to help finance companies and other
organisations assess the financial risks of dealing with you and other members
of your household, to help make decisions on insurance proposals and insurance
claims, to administer agreements with you, to help prevent or detect fraud or
other crimes and recover debts and for statistical analysis about credit and
about insurance and fraud.
If you give false or inaccurate information and fraud is suspected then this
will be recorded. The finance companies may use a 'credit scoring' or other
automated process in deciding whether to accept your application. This may
involve searching your records again at one or more credit reference agencies
(who will keep details of the search) as well as using other information they
hold about you.
When a Lender has made a decision about your application, the Lender may
inform any Broker and/or Dealer through whom the application was submitted of
the Lender's reason for accepting it (with or without conditions) or declining
it.
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Privacy Policy
Meridian Finance is committed to protecting your privacy on-line. We will
only request necessary information from you at the time of your application and
we will try to ensure that your details are accurate and kept up to date.
Information is collected lawfully and in accordance with the Data
Protection Act 1998. All personal data that is saved is held safely, with
security systems preventing unauthorised access and we always ensure it is
treated confidentially. We know privacy is important to you and so we promise to
respect your personal information.
Cookies
Cookies are small pieces of information that are stored in the hard drive of
your computer by your browser. We use cookies to enable us to personalise your
visits to our websites and to keep track of your use of the website. You will
find on your browser that you can opt to prevent websites using cookies but
before deciding this you should note that by selecting this option you may
reduce the speed and effectiveness of this website.
Policy Changes
We may change this policy from time to time as we add or improve our services
and our website, both in response to the changing nature of our business and
changes in the law. Users will not be notified of changes and whilst you are a
customer of Meridian Finance, you may wish to check on a regular basis to see
if there have been any changes in our Privacy Policy.
We confirm your consent to the use of your personal information for
these purposes.
We will disclose your personal information:
- To our agents and Sub-contractors (including those based outside the
European Economic Area) under a strict code of secrecy and security
- To any person to whom we transfer our rights or obligations under the
agreement. If we are compelled to do so by law and for fraud prevention
purposes
- To licensed credit reference agencies to help us and others make credit
decisions.
- To third parties to enable them to provide details of products or services
you may be interested in.
Marketing Information: Meridian Finance will retain information provided by
you on computer. One of the ways your information will be used is to send you
information or phone you about other products or services offered by Meridian
Finance or other companies. Your name, address and phone number may be given
to these other companies for that purpose.
You have a right to receive a copy of the information a Lender and /or the
Other Agencies hold about you if you apply to them in writing and pay a fee.
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