Mi Finance Privacy Statement

Mann Island Finance Limited Data Protection Notice to

Individuals involved in Finance Applications
We are Mann Island Finance Limited (MIF), a finance broker, and we have been asked to assist you in obtaining finance. This process will involve the processing of your personal data. This Data Protection Notice is intended to give you information on how this personal data (i.e., information which directly or indirectly identifies you) will be processed by us and/or any company to which we submit a finance application on your behalf.
We have not yet identified the finance company or companies to which such an application will be submitted (and so we will refer to any such company in this notice as "the Company") but full details of how each of the particular finance companies we use will process personal data relating both to applicants and customers can be found at https://www.midos.co.uk/gdpr/funders.
Where the Company is MI Vehicle Finance Limited (MIVF), a finance company linked to MIF, further details of how MIVF will manage and use your data can be found at https://www.mannisland.co.uk/mivf-data-protection, where you can also find details of the credit reference and fraud prevention agencies that MIVF uses, and information about your data protection rights. Both MIF and MIVF are members of the Investec Group of Companies, and may pass your data on to other companies within that group, some of which are located in countries outside the EEA (including in South Africa).
For the purposes of EU data protection laws, we and the Company will each be a data controller.
Data That May Be Collected. We and the Company may each collect certain personal data with respect to you, including, without limitation, your name, address, date of birth, contact details, credit reference data, financial and employment details, banking and credit card details, director or shareholder roles, income and similar details. We and/or the Company may collect some of this data from third parties, for example credit reference agencies.
Where a corporate entity is applying for finance, we and the Company may collect personal data about the individuals who are directors and shareholders of the business from credit reference agencies (CRAs) where this data is held publicly, such as at Companies House. Where a partnership is applying, we and the Company may similarly collect personal data about the individual partners. This notice also applies to the processing of such personal data and use of the word ‘you’ in this notice will encompass such individuals.
We and the Company may process sensitive personal data (including, for example, information revealing an individual’s physical or mental health). Where sensitive personal data are processed we will obtain your explicit consent for the processing.
Use of Personal Data. We and/or the Company will use your personal data for: provision of products and services, credit and AML risk assessment, profiling for marketing purposes, market research and product development, statistical analysis, marketing, fraud prevention and detection and otherwise as necessary to comply with applicable laws, regulations and/or codes of practice. The processing of personal data may be undertaken with your consent, or where it is necessary for the performance of a contractual relationship or compliance with a legal obligation, or where it is in our legitimate interests, and/or those of the Company or a member of any group of companies to which we and/or the Company belongs.
Disclosure to Certain Third Parties. We and/or the Company may disclose certain personal data: (i) within any group of companies to which we and/or the Company belongs (we and MIVF belong to the Investec Group); (ii) to our and/or the Company's brokers and dealers / suppliers, professional advisors and service providers (including, information technology systems providers); (iii) to courts, governmental and non-governmental regulators and ombudsmen; (iv) to fraud prevention agencies and law enforcement agencies; (v) to any third party that acquires, or is interested in acquiring, all or part of our assets or shares, or those of the Company , or that succeeds us and/or the Company in carrying on all or a part of our and/or its business, whether by merger, acquisition, reorganization or otherwise; and (vi) as otherwise required or permitted by law.
In particular, we and/or the Company may share the personal data we and/or it collect(s) 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.
5 St Paul’s Square, Liverpool L3 9SJ
T 0370 600 6668 F 0370 240 3700 hello@mannisland.co.uk www.mannisland.co.uk
Mann Island Finance Limited is part of the Investec group of companies. Authorised and regulated by the Financial Conduct Authority for credit-related regulated activities. Registered Office: Mann Island Finance Limited, Reading International Business Park, Reading, RG2 6AA. Registered in England, Company Registration No. 02750308.
MIF/MIDOSFPN/07-18
Further details of how your information will be used by us and these fraud prevention agencies for this purpose can be
found on the Investec website at www.investec.com/en_gb/Legal/UK/fraud-prevention-notice.html or by contacting our
Data Privacy Officer at 5, St Paul’s Square, Liverpool L3 9SJ or by email to enquiries@mannisland.co.uk. Similar
information relating to each Company to which your application may be submitted can be found at
https://www.midos.co.uk/gdpr/funders.
In addition, in order to process your application for finance, your personal data will be shared with CRAs. We and/or the
Company will send information about your applications to CRAs and they will record this, even if your application does not
proceed or is unsuccessful. This will include information from your credit application and about your financial situation
and financial history. CRAs can give us and/or the Company both public information (e.g. electoral register) and shared
credit, financial situation and financial history information and fraud prevention information
We and/or the Company may use the data received to:
 Assess your creditworthiness:
 Verify the accuracy of the data you have provided:
 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.
The Company may continue to exchange information about you with CRAs while you have a relationship with them, and
may 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 and/or the Company they will place a search footprint on your credit file that may be seen by other lenders.
If you are making a joint application, or tell us and/or the Company that you have a spouse or financial associate, we
and/or the Company may link your records together, so you should make sure you discuss this with them, and share with
them this information, before lodging the application. CRAs will also link your records together and these links will remain
on your and their files until such time as you or your partner 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 each of the three CRAs websites – using any of these three addresses will take you to the same CRA Information
Notice (CRAIN) document:
Callcredit www.callcredit.co.uk/crain;
Equifax www.equifax.co.uk/crain;
Experian www.experian.co.uk/crain.
Transfer of Personal Data outside the European Economic Area (“EEA”). We and/or the Company may transfer
your personal data to recipients (including affiliates) located in countries outside of the EEA, which may not have data
privacy laws equivalent to those in the EEA. In such a case, we and/or the Company will be under a duty to take all
necessary steps to ensure the safety of your personal data in accordance with applicable data protection laws.
Your rights. Under applicable EU data privacy laws, you may have a right to: (i) request access to and rectification or
erasure of your personal data; (ii) obtain restriction of processing or to object to processing of your personal data; (iii)
withdraw your consent to the processing of your personal data; and (iv) data portability (i.e. to request the transfer of
personal data from one data controller to another in certain circumstances). If you wish to exercise any of these rights
against us, you should contact our Data Privacy Officer at 5 St Paul’s Square, Liverpool, L3 9SJ or email
enquiries@mannisland.co.uk; if you wish to do so against any Company to which your application has been submitted, you
should contact its Data Privacy Officer using the details available from https://www.midos.co.uk/gdpr/funders. Where the
Company is MIVF, please email AFGDataprivacy@investec.co.uk. You also have the right to lodge a complaint about the
processing of your personal data by us and/or the Company with the UK data protection authority, the Information
Commissioner’s Office, whose contact details can be found at https://ico.org.uk/.
MIF/MIDOSFPN/07-18