The Data Protection Act requires companies and individuals who process and retain information about their customers to tell the customer how the information will be used and to what purposes it will be put. The Act does not restrict itself only to information kept on a computer; it is relevant to any ordered filing system. If you have applied to a FISA company the information below describes how your data will be processed. If your information is to be processed differently the trader will tell you.

Credit Brokers

If you have applied to a credit broker they will use the information you have provided, which includes information gained from either or both stages of the Homeowner Loan UK application form to:

	Process the application you have made;
	The details will be recorded and may be used by ourselves and others for credit scoring and searches will be added to records and seen by others for credit scoring and searches which will be added to records and seen by others for searches, fraud prevention, money laundering and debt recovery, which may have links to financial associates and be recorded and used for various insurance proposals and claims by applicants and members of their family;
	Information held about you by a credit reference agency may already be linked to records relating to another person, for example your spouse, and for the purpose of your loan application you will be treated as financially linked. Your loan application will be assessed with reference to all linked records;
	If you have confirmed you are linked financially with another person, you are declaring that you are entitled to (a) disclose information about that person and/or anyone else referred to by you and (b) that you authorise the broker and any lender involved in the application to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.