The Data Protection Act and our Privacy Policy

A brief outline of the Data Protection Act

The Data Protection Act (1998) protects personal information held about individuals and implements part of the European Convention on Human Rights. It applies only to information about individuals (such as names, addresses, personal reference numbers, income, entitlement to benefits). It does not apply to non-personal data, such as that relating to businesses and limited companies. You have a right to know what information is being held about you, that such information is not kept for longer than the purpose for which it was supplied requires it to be, that it is relevant and required for the purpose and that it is kept up to date. No sensitive data that is either excessive or irrelevant to the purpose should be either requested or held. Examples of sensitive information about an individual might include information about racial or ethnic origin, political opinions, religious or other beliefs, membership of a Trade Union, physical or mental health or condition, sexual life, alleged or actual commission of any offence, proceedings for offences committed or alleged to have been committed and their outcomes.

Your right to privacy - how we implement the requirements of the Act

NVC is registered under the Data Protection Act 1998 and therefore conforms to all its requirements to protect your personal information both physically and by not releasing it to any other party without your explicit consent. These principals apply whether you are a current customer of NVC, have been a customer in the past or have simply made an enquiry with us.

Where information about you is required by us it might be on one of our forms which we have sent to you by email, fax or post, or which you have completed online on our website, or downloaded from our website and completed on your desktop. Inevitably, we will also have gathered some information that you have given during telephone conversations, on emails, faxes or in letters.

What forms you might be required to sign

When one of our forms requires your signature it is always stated clearly and explicitly if you are thereby giving your consent for us to pass this information on to another party, and that it is necessary in order for us to be able to provide the service you require of us. The Act in fact requires that consent must be both explicit and necessary. Therefore, requests for your consent are restricted to applications for finance made to us by you. In these cases alone, the information provided on the form has to be passed on to the finance company, who will in turn use it to check your creditworthiness with a credit reference agency, the most commonly used of which are listed below along with other useful addresses. We only use major, well-known and reputable finance companies that, in turn, only use well-known and reputable credit reference agencies that are bound by, and implement rigidly, the same principals of Data Protection as us.

Where explicit consent has not been requested to pass information about you to another party, it is because there is no need in this context to do so and therefore none of this information is disclosed.

We do not sell or otherwise make available any information to marketing, or data collecting organisations whatsoever.

Sometimes, if demand for our services is in excess of our ability to cope with it, we employ agents or sub-contractors to process information requests. They are subject, by virtue of this relationship with us, to exactly the same requirements of the Data Protection Act as us, and to the terms of our privacy policy, to which they have agreed. Where this happens, we have previously vetted all agents or sub-contractors employed by us and we hold copies of both their registration under the Data Protection Act and their Consumer Credit Licence.

There are some rare exceptions to the enactment of our Privacy Policy for which the Act allows and which the legitimate authority would have to justify in terms of the existing legislation, but with which we would be Legally bound to comply. These are defined under a link entitled 'Principals of Data Protection' available from the government Data Protection website at - http://www.dataprotection.gov.uk (Copy and paste the URL into your browser's address bar) . These mainly concern the administration of justice, the enforcement of law and issues of substantial public interest

Our website does not capture or store personal information, other than logging the computer's IP address and session information, for example, the duration of the visits and the types of browsers used. The server recognizes these anonymous data items and only uses them for system administration and to provide crude statistics used to evaluate the overall use of the site. An example of the need to carry out these functions would be to ensure that the site is always equipped to be able to cope with current web traffic levels. We do not use cookies for collecting user information from the site.

Your information rights and procedures for checking your own credit file are available from the government Data Protection website (see link above).

The act itself can be read, if you wish, at - http://www.hmso.gov.uk (Copy and paste the URL into your browser's address bar)

You might also like to read our page on checking your credit status

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