2. Using Your Personal Information
2.1 Collecting personal data about our customers is an necessary part of our business and we shall only use your personal data for the following purposes and shall not keep such personal data longer than is necessary to fulfil these purposes:
2.1.1 To help us to identify you when you contact us.
2.1.2 To help us to identify accounts, services and/or products which you could have from us or selected partners from time to time. We may do this by automatic means using a scoring system, which uses the personal data you have provided and/or any information we hold about you and personal data from third party agencies (including credit reference agencies).
2.1.3 To help us to administer and contact you about improved administration of any accounts, services and products we have provided before, do provide now or may provide in the future.
2.1.4 To allow us to carry out marketing analysis and customer profiling (including with transactional information), conduct research, including creating statistical and testing information.
2.1.5 To help to prevent and detect fraud or loss.
2.1.6 To allow us to contact you in any way (including mail, email, telephone, visit, text or multimedia messages) about products and services offered by us and selected partners unless you have previously asked us not to do so.
2.1.7 We may monitor and record communications with you (including phone conversations and emails) for quality assurance and compliance.
2.1.8 We may check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this.
2.3 We may allow other people and organisations to use personal data we hold about you in the following circumstances:
2.3.1 If (substantially or as a whole) all our assets, are acquired or are in the process of being acquired by a third party, in which case personal data held by us, about our customers, will be one of the transferred assets.
2.3.2 If we have been legitimately asked to provide information for legal or regulatory purposes or as part of legal proceedings or prospective legal proceedings.
2.5 In connection with any transaction into which we enter with you:
2.5.1 We, and other companies in our group, may carry out credit and fraud prevention checks with one or more licensed credit reference and fraud prevention agencies. We and they may keep a record of the search. Information held about you by these agencies may be linked to records relating to other people living at the same address with whom you are financially linked. These records will also be considered in credit and fraud prevention checks. Information from your application and payment details of your account will be recorded with one or more of these agencies and may be shared with other organisations to help make credit and insurance decisions about you and members of your household with whom you are financially linked and for debt collection and fraud prevention. This includes those who have moved to a new house and who have missed payments.
2.5.2 If you provide false or inaccurate information to us and we suspect fraud, we will record this and may share it with other people and organisations. We, and other credit and insurance organisations, may also use technology to detect and prevent fraud.
2.5.3 If you need details of those credit agencies and fraud prevention agencies from which we obtain and with which we record information about you, please write to our Data Protection Officer at Care Direct Technology Ltd, 35 The Balcony, Castle Quarter, Cardiff CF10 1BY, or email email@example.com.