All three Credit Reference Agencies have defined the standards which apply across all their products and services in relation to the processing of consumer data under a common statement called the Credit Reference Agency Information Notice (CRAIN). To read this Notice please follow this link: www.equifax.co.uk/crain

You agree that Arrow Loans may search for information about you with credit reference agencies who will record details of the search. If your homeowner loan is completed, details of how you conduct your account (including details of any default) may be disclosed to the agencies. Any information provided to Arrow Loans or others may be used for making credit decisions regarding you, members of your household or others to whom you are linked financially.

Information may also be used for debt tracing, fraud prevention and the prevention of money laundering. If you are making a joint application for a homeowner loan in the absence of the other party or if you state a financial association with another person, you are declaring that you are entitled to disclose information about him or her and you authorise Arrow Loans to search, link and record information about you and anyone referred to by you, with credit reference agencies.

This homeowner loan application may be assessed with reference to records of other people with whom you are linked financially. You have a right to be told which credit reference agencies Arrow Loans has used and a right to obtain a copy of your credit file.

For more information about our online privacy policy and data protection, please click here