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Your application will be submitted to our panel of finance companies as required by GFS to obtain finance for you. 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 (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. As a client of GFS you must note that it is a criminal offence to withhold or give false
information when applying for banking or credit facilities within the UK. Should this be found to be the case then no refund will be applicable.
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