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Your information and what happens to it.

Your information
"you" and "your" refers to the Applicant(s)

"we" and "us" refers to Holistic Insurance Services, or their appointed mortgage processing unit, or the lender (or any successor in title or assignee of the lender) and

"Group" refers to the group of companies including one or more of these parties

Your information may be held on a Group database and used by us and any Group company for the purposes set out in this part of the Terms. Your information includes any information which we or any Group company holds, now or at any time in the future (including after any mortgage or other loan is repaid and any insurance cover ends) and which comes from or relates to:-
1. Application forms or other dealings with any Group company;
2. Third parties such as credit reference agencies and parties associated with you and products and services from or through any Group company.

We and other Group companies and others to whom we disclose your information will use, analyse and assess your information to maintain and develop relationships with you.

This will include the following purposes:

Purposes:
a) Considering any applications made by you;
b) Operating and administering the services we or they supply;
c) Servicing your relationships with us and them;
d) Risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention;
e) Helping to make decisions on any insurance proposals and insurance claims, for you and members of your household;
f) Helping to identify products and services which may interest you; and
g) Helping to understand and develop our or their business including new and innovative products and services.

We, other Group companies and others to whom we disclose your information may tell you, by letter, phone or fax including automatic dialing, email or other electronic means, about products and services which we or they believe would be of interest to you, and which are offered by the Group or other companies. We will not disclose your information outside the Group except:

a) To any persons who may use, analyse and assess your information for the purposes set out above;
b) To any persons who provide a service to us and who have agreed to keep your information strictly confidential;
c) To any persons, including insurers and/or lenders, who supply benefits or services to you under or in connection with this agreement;
d) To credit reference agencies and fraud prevention agencies as set out below;
e) Where required to do so for the operational Purposes a) to e) above; f) Where we have your consent; or
g) Where we are required or permitted to do so by law, credit reference and fraud prevention agencies

For loan applications
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register.

The agencies will record details of the search whether or not this application proceeds.

We or the Lender may use credit-scoring methods to assess this application and to verify your identity.

Credit searches and other information provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by us, the Lender and other companies if credit decisions are made about you, or other members of your household.

This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.