We need to inform you about how Embrace Leasing will use 'Your Information' in connection with your application. 'Your information' means the information you have given us, which we pass on to our nominated finance companies, or which they receive from their enquiries and searches at credit reference and fraud prevention agencies. This applies to all applicants, including joint applicants and members of the household and directors or partners if the application is made by a limited company, partnership or an unincorporated association.

They'll check your details with credit reference and fraud prevention Agencies, and these Agencies will record the check. They will provide the Agencies with your current and previous names, addresses and dates of birth of all parties as well as the income and expenditure details that you provided, so if you are providing information about others, on a joint application, you must be sure that you have their agreement. The Agencies will provide them with confirmation of the income and expenditure details provided and public information about you and any third party financially linked to you: information such as county court judgments (CCJ’s) and bankruptcies, electoral register and fraud prevention information on you and your known financial associates, current and previous names, addresses and dates of birth. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

The Agency searches that they make will leave a search footprint, both in their records and on your credit file at the Agencies they've used, whether or not this application proceeds. If the search was for a credit application, the record of that search (but not their name) may be seen by other organisations when you apply for credit in the future. If you made a joint application, they will link together the records of joint applicants, called financial associates. They will also link all your previous and subsequent names and addresses. Links between financial associates will remain on your and their files until such time as you or your associate successfully files for a disassociation with the credit reference agencies. It may be necessary to make more than one such search particularly if you provide any new or changed information.

Information provided may be supplied to other organisations and used by the Agencies and them to assess you and your household for: credit and credit related services, affordability of credit; motor, household, credit, life and other insurance proposals and claims; debt tracing and recovery; checking details of job applicants and employees, prevention of fraud and money laundering; managing your accounts; statistical analysis about credit, insurance and fraud; market research, and to verify your identity if you or your financial associate applies for other facilities, including all types of insurance applications and claims. They and other organizations may access and use the information recorded by fraud prevention agencies from other countries. Information about you may also be used for other purposes for which you have given consent, or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

They may disclose your information to other subsidiaries or associates. Credit scoring techniques will be used to assess your application. Please write to us at Office 5, The Old Hay Barn, Northampton, NN7 2DS if you want a copy of the information they hold about you or phone on 0845 838 5571 for details of the Agencies.

In order to proceed with your application and any future agreements they will need your consent to conclude agreements through electronic means only using the email address you have supplied and/or electronic signatures.