Data protection and personal data
Data Protection Act
Protecting the security and privacy of your Personal Information is important to First Response Finance and to the way we conduct our business in compliance with the Data Protection Act 1998. Under the Data Protection Act 1998, you have a right to access certain personal records we, Credit Reference Agencies and Fraud Prevention Agencies hold about you. This is called a 'data subject access request'. A fee will be payable.
To request information from us, the Credit Reference or Fraud Prevention Agencies we use, please write to us at the address at the end of this page. We will then supply the relevant information back to you as soon as possible but within 28 days.
To find out more, visit the website of the Information Commissioner.
Collection & usage of your personal information
Through our website we will not collect any personally identifiable information about you without your consent and agreement to the terms outlined in this notice.
When you provide us with information in connection with an application for finance or a service, we may share your information with other companies, or any of our sub-contractors or delegates and service providers for whom we act as agents. We will also share your information if under a duty to do so or if permitted by law.
We use credit scoring or other automated decision-making systems when assessing your application. It is therefore important that you give us accurate information. As part of our application procedures we will search your records and share information with the credit reference agencies Experian, Equifax and Call Credit.
Details of our search will add to your records and will be seen by any other organisation making searches.
Information held about you by credit reference agencies may be linked to records relating to any person with whom you are linked financially such as your spouse/partner, other members of your household or other persons. For the purpose of an application for finance you may be treated as financially linked and you will be assessed with reference to `associated records`.
Where any search or application is completed or agreement entered into involving joint parties, you both consent to us recording details at credit reference agencies. As a result an “association” will be created which will link your financial records, and your associate’s information may be taken into account when a future search is made by us or another lender unless you file a `disassociation` at the credit reference agencies.
We will check your identity. If you give false or inaccurate information and fraud is identified, details will be passed to fraud prevention agencies. We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies. Law enforcement agencies may access and use this information.
We and other organisations may also access and use these records to prevent fraud and money laundering for example when:
- Checking details on applications for credit and credit related or other facilities
- Managing credit and credit related accounts or facilities
- Recovering debt
- Checking details on proposals and claims for all types of insurance
- Checking details of job applicants and employees.
Please contact us at First Response Finance Ltd, Chetwynd Business Park, 5 Regan Way, Chilwell, Nottingham, NG9 6RZ if you wish to receive details of the relevant fraud prevention agencies.
The agencies and ourselves may search your records for statistical analysis and market research about credit and insurance fraud.
You can write to us if you would like either:
a) Further details explaining how your information may be used
b) A list of the agencies and companies mentioned with whom we share information or
c) You do not wish to receive information about other products and services
You also have the right to receive a copy of the information we hold about you. This may be obtained if you apply to us in writing. A fee will be payable to cover our administration costs.
We record calls for training & monitoring purposes, we use these call recordings in development sessions to allows us to continuously improve our service to our customers.
What are cookies?
A cookie is a tiny element of data/text that a website sends to your browser, which may then be stored on your hard drive or mobile device so you can be recognised when you return.
We also use ‘strictly necessary cookies’ which enable the website to work. Without these you would not be able to do tasks such as filling out forms or logging into the portal.
- Identifying customers/dealers when they log in to our site
- Delivering content and/or adverts on third-party sites
- Researching different content in order to improve the First Response Finance website, its products and service
- Preventing fraud
- Improving website and user security
If you do not want to enable cookies on the First Response Finance website you can disable them by following the instructions through the links below. Please be aware that disabling cookies may mean you cannot utilise our website to its full potential.
Select your browser and follow the instructions to alter or disable cookies:
Third party cookies and spyware
Third party cookies are mainly used for advertising. They allow third parties to view your browsing history and serve you adverts based on your history. We do not provide personal information to third parties. Third party websites are used solely for First Response Finance’s benefit and your information will not be sold or provided to third parties, however, we may receive information from websites who show our adverts such as geographical or demographic information.
You must be over the age of 18 to use this website.
Security and storing of information
First Response Finance is committed to ensuring the security of your Personal Identifiable Information and protecting it from unauthorised access, use, loss or destruction. We also strive to keep it accurate and will only retain the information for as long as necessary to protect your own and First Response’s interests or as required by law.
Links to Other Web Sites and third parties
First Response Finance Ltd is not responsible for the privacy practices or the content, product or services offered by other websites or third parties.
If you have any questions or comments or wish to review and update your personal information, please write to The Compliance Officer at the address below:
First Response Finance Ltd,
Chetwynd Business Park,
5 Regan Way,
Tel: 0115 946 6260 Fax: 0844 854 0000
Registered in England No. 3202853