You have a right to know how we will use your personal information. Please read this Fair Processing Notice before you continue. Honda Finance Europe t/a Honda Financial Services gather personal information from you for the purposes of underwriting, administering your account and other purposes such as the prevention and detection of financial crime. The information we collect is appropriate for the purposes described and not excessive. Your personal information is held on secure servers to minimise the risk of the data being lost or stolen. In the event that we do not proceed with your application, the information you have provided may be passed to your Honda authorised retailer to allow them to explore alternative means of funding your purchase.

Full details of the personal information we collect, how we use and process your personal information, how long we store your personal information for, and how we safeguard your personal information can be found in our full privacy notice available at https://www.honda.co.uk/cars/useful-links/finance-privacy-policy.html

Sharing Your Personal Information with Credit Reference Agencies

In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies ("CRAs").

To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

We will use this information to:

• Assess your creditworthiness and whether you can afford to take the product.
• Verify the accuracy of the data you have provided to us.
• Prevent criminal activity, fraud and money laundering.
• Manage your account(s).
• Trace and recover debts; and
• Ensure any offers provided to you are appropriate to your circumstances.

We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs. When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.

If you apply with a joint applicant, such as a guarantor, we will link your records together. Therefore, you should make sure you discuss this with them before making the application. CRAs will also link your records together and these links will remain on your and their files until such time as one of you successfully files for a disassociation with the CRAs to break that link.

The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at www.experian.co.uk/crain

The Credit Reference Agency Information Notice (CRAIN) is also accessible from each of the three CRAs. To view the CRAIN document please visit any of the following:

• Experian - https://www.experian.co.uk/legal/crain
• Equifax - https://www.equifax.co.uk/crain
• TransUnion - https://www.transunion.co.uk/legal/privacy-centre

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies and your data protection rights, can be obtained by writing to us at Customer Services, Honda Finance Europe, Cain Road, Bracknell, Berks, RG12 1HL or telephoning us on the number listed below.

Please call 0345 128 8908 if you want details of those credit reference and fraud prevention agencies from which we obtain, and to which we pass information about you. You have a legal right to these details.

International Data Transfers

Your personal information may be transferred outside of the UK and the European Economic Area (EEA) to the third parties described in ‘How We Share Your Personal Information’ on our Website Privacy Notice.

We want to make sure that your personal information is stored and transferred in a way which is secure. We will therefore only transfer data outside of the UK and EEA where it is compliant with data protection legislation and the means of transfer provides adequate safeguards in relation to your data.

Fraud prevention agencies may allow the transfer of your personal information outside of the UK. This may be to a country where the Government has decided that your data will be protected to UK standards, but if the transfer is to another type of company, then the fraud prevention agencies will ensure your data continues to be protected by ensuring appropriate safeguards are in place.

We may contact you by email to send you monthly statements, notices, and other business communications under or in relation to your Agreement (other than communications that are required by law to be sent as paper communications). We (or one of our affiliated third parties including our retailer network) may also contact you about our products and services, and to advise you of news and industry updates, events and promotions when you have consented for us to do so. Communications sent by email will not be password protected but will be in a non-editable format.