Your information will be held by Bira Finance Ltd, which is a wholly owned subsidiary of Bira (British Independent Retailers Association).
Please note the following:
2. Use of information collected
2.1 All your personal information will be held securely by Bira systems so that we and other companies in our Group that you have dealings with, both now and in the future, can manage your relationship with us. This will include information you provide when you apply to us and any additional information provided by you or others thereafter including:
(a) In all forms of correspondence including applications, emails and letters or during telephone conversations.
(b) Information Bira Group companies receive from each other and from other organisations such as credit reference and fraud prevention agencies.
We will not retain your personal information for longer than is necessary for the maintenance of your account during your relationship with us or for legal and regulatory requirements.
3. We may share the personal information we hold about you across the Bira Group for the following administrative activities:
(a) Providing you with the various products and services offered across the Group to maximise the benefits of membership and notifying you of important changes to those products and services when necessary.
(b) Responding to your enquiries or complaints.
(c) Updating and improving the accuracy of our records.
(d) Arrears and debt recovery activities.
(e) Crime prevention.
(f) Testing new systems and checking any upgrades to existing systems.
By enabling us to share this information it gives us and other Bira companies a better understanding of your needs. We may be better enabled to operate your account in the efficient way you expect. Your data may also be used for other purposes for which you give your specific permission, or in very limited circumstances, when required by law.