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Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974
Creditor (“We”/”Us”/”Our”) Application ID: 2404270460UK Agreement No: 72897359

Full Name: Snap Finance Limited

Address: 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB

Borrower(s) (“You/”Your”)

Full Name: Stanley Rodrigues

Address: 5 Brent Road, Southall

Credit Broker (the “Retailer”)

Name: Hygge Bikes Salesperson/Contact Name:

Address: 124 City Road, London Telephone No: 02034 750974

Invoice N. 26854

Model Description Qty Price incl. VAT Total_Price

PHONE HOLDER Phone Holder 1 £ 0.00 _£ 0.00

BIKE LOCKS Bike Locks 1 £ 0.00 _£ 0.00

VESTER FOLDABLE E- Vester Foldable E-bike 1 £ 1,499.00 _£ 1,499.00

BIKE (2024) - ONYX (2024) - Onyx Black
BLACK

Total cash price of the goods: £ 1,499.00

Financial Information

Cash Goods Price (a) £ 1,499.00

Advance Payment (b) £ 50.00
Amount of Credit (c) = (a) - (b) £ 1,449.00
Interest (d) £ 407.14
Total Amount Payable (c) + (d) £ 1,856.14
Rate of Interest 26.3 per annum flat (fixed)
Annual Percentage Rate (“APR”) 29.7 APR

Interest is calculated (using the Rate of Interest shown above) at the outset of the agreement on the Amount of Credit and
We add this amount of interest to the Amount of Credit for the purposes of calculating Your repayments

The APR is calculated on the assumption that this agreement will continue for the Period of Agreement, You will perform
Your obligations in full and on time and there will be no variation of the agreement.

1. Period of Agreement: 24 months from the date you receive all of the goods or services from the Retailer.

You must pay 24 consecutive monthly repayments, each of £ 77.34, starting on 10/05/2024. The date of your first
payment may change depending on the date your goods are delivered.

Charges

You must make your repayments in accordance with clause 1

Other charges and costs that may be payable in addition to the total amount payable, including default charges, are set out in
clause 2 of the terms of this agreement.

The daily amount payable to Us in respect of Your withdrawal from this agreement is £ 2.54 (see clause 3).

Missing Payments

Missing repayments could have severe consequences, including legal proceedings and the possibility of making it more difficult
to obtain credit.

Use of Your Information

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1. Before entering into this agreement with You:

You will be required to provide Us with certain information about You because it is necessary for the purpose of entering into
this agreement with You, administering this agreement with You and for the purposes set out in this section and the terms and
conditions set out overleaf.

This information 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, We may not enter into the agreement with You.

If, for whatever reason, You fail to provide Us with the information We require, We will not be able to proceed with credit
reference and fraud prevention checks and, subsequently, will not enter into the agreement with You.

We will also obtain information about You from credit reference and fraud prevention agencies to assist with Our legitimate
interest of assessing Your application and making decisions about You. We will record information about You with them and
they will add to their record about You details of Our search which will be seen by other organizations making searches. The
information that We provide to them shall remain on their file for six (6) years after Your account with Us is closed, whether
settled by You or upon default.

Please note that a large number of applications within a short period of time could affect Your ability to obtain credit.

2. Once this agreement has been signed:

W e m ay outsource the processing and adm inistration of it to one or m ore third parties. W e w ill ensure that any such third parties
safeguard the security of Your data in accordance w ith the D ata Protection Act 1998 (the “ Act”) and any other applicable
legislation relating to the protection of personal data and privacy from time to time that may replace the Act.

It is important that You read the paragraph entitled “How We Use Your Personal Information” set out below before You
sign this agreement to better understand how We use your personal data.

3. Marketing:

Marketing from Us

We will use Your personal data to advise You by email, SMS, post and telephone of relevant products, services and offers from
Us, in accordance with our Privacy Policy.

I would like to stay in touch and receive information from Snap! about products and offers even if my loan application
is unsuccessful: ALL [ ], none [ ] or any one or more of: email [ ] SMS [ X ] post [ ] telephone [ ] or by amending
your preferences on our website, using the unsubscribe function in each communication or by writing to Us using the
contact details set out above.

By signing this agreement You confirm that:

1. The information given by You in Your application, and in this agreement, is correct;
2. At the time of signature, pages setting out the terms and conditions relating to this agreement are attached.
3. You can afford and sustain the monthly repayments set out above.
4. You have received a verbal and written pre-contract explanation.
5. You have received the pre-contract information document.
6. This agreement was fully completed and the information is correct and accurate when it was presented to You for
signature.

It is important that you read and understand this agreement including the terms and conditions before you sign. By signing, You
agree to be bound by these terms.

This is a Credit Agreement regulated by the Signed on behalf of Snap Finance Limited.
Consumer Credit Act 1974. Sign it only if You wish to
be legally bound by its terms.

Signature by Borrower(s) Signature

DOCU_SIGN

Date of signature 27/04/2024

Date 27/04/2024

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TERMS OF THE FIXED SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974
1 PAYMENTS
1.1 On the date of this agreement you will pay the Retailer the advance payment shown on page 1 by
way of credit / debit card or in cash.
1.2 We will advance the Amount of Credit to the Retailer named on page 1 after we have accepted
and signed this agreement and you have received the goods or services described on page 1.
1.3 You agree to pay the Total Amount Payable by making repayments on the dates shown.
Repayments must be made by way of direct debit, unless We agree to take payments in any
other way (which may include standing order or such other mechanism as we agree with you in
advance).
1.4 Punctual payment is of the essence of this agreement, which means that it is a condition of this
agreement that You make all the repayments on time and in full. If You do not pay any repayment
on time, and in full, we are entitled to terminate this agreement.
2 LATE PAYMENT INTEREST, CHARGES AND COSTS
2.1 If any repayment or other sum due from You under this agreement is not paid on the due date
You shall pay Us, by Direct Debit or by such other means as we specify, late payment interest, at
the Rate of Interest which applies to this agreement, on the amount overdue for each month or
part of a month for which it is overdue. The late payment interest will be charged on the amounts
owed to Us both before and after any Court Judgment we may obtain against You.
2.2 We have the right to charge You additional amounts to cover our expenses if You do not fulfil
Your side of this agreement. The current charges are (on each occasion, where applicable):
2.2.1 direct debit payment returned £12;
2.2.2 for each arrears letter £12; and
2.2.3 for issuing a default notice £12.
We may vary these charges to reflect any increase in our own administration costs, or to
accommodate legislative requirements or market developments. We will inform You of any
change in writing by giving You 7 day’s notice prior to such change.
2.3 If You do not fulfil Your side of this agreement You will have to reimburse Us in respect of
reasonable expenses incurred by Us in enforcing the agreement and tracing You.
2.4 You will pay Us in full for any loss (being any costs, claims, expenses, damages or injury suffered
or reasonably incurred by Us or a third party including reasonable legal costs) under or relating to
the agreement or the enforcement of our rights.
3 RIGHT OF WITHDRAWAL
3.1 You have the right to withdraw from this agreement without any reason before the end of the 14th
day starting on the day after this agreement has been signed and dated by You and Us.
3.2 You may notify Us of Your intention to withdraw either in writing or orally. You can do this by
contacting Us either by post or telephone using the address or telephone number shown at the
top of this agreement.
3.3 If You do withdraw, and we have paid the Retailer on your behalf, You are obliged to repay the
Amount of Credit to us without delay together with daily interest calculated from the date on which
the Amount of Credit was paid to the Retailer until the date on which the Amount of Credit plus
daily interest is received in full by Us (and in any event it must be repaid within 30 days beginning
with the day after the day you gave us notice to withdraw). When You have paid these sums to
Us, legal ownership of the Goods will pass to You on the same terms as would have applied had
You not withdrawn from this agreement.
3.4 If you do not exercise Your right to withdraw, this agreement will remain binding upon you until
such time as it expires or is terminated.
4 EARLY REPAYMENT
4.1 You may repay the Amount of Credit early, either in part or in full, by giving Us notice in writing or
orally of your intention to do so. You can do this by contacting Us either by post or telephone
using the address or telephone number shown at the top of this agreement and by paying the
appropriate amount, which may include a rebate.
4.2 If you repay the amount of credit early, in part, we may reduce the amount of the repayments due
from you or alternatively, we may reduce the duration of the agreement.
4.3 Your partial payment will be applied firstly to pay off any arrears, late payment interest and
charges to bring Your account up to date and the remainder will be applied to partially settle Your
account.
5 STATEMENT OF ACCOUNT
You have a right to receive on request and free of charge at any time during the duration of this
agreement a statement in the form of a table showing details of each repayment owing under this
agreement, the date on which each repayment is due, the amount and any conditions relating to
the repayments and a breakdown of each repayment showing how much is made up of capital,
interest and if applicable any other charges.
6 DEFAULT
6.1 If any of the following events occur we will assume that You have repudiated this agreement,
which means that by Your action You have ended this agreement:
6.1.1 You fail to pay any two consecutive repayments on time;
6.1.2 You breach any other term of this agreement and (if capable of remedy) fail to remedy
the breach within the period specified in any default notice that you receive from Us;
6.1.3 You breach a material term of any other agreement made between You and Us or if any
such agreement is terminated;
6.1.4 You commit persistent breaches of this agreement;
HOW WE USE YOUR PERSONAL DATA
Introduction
Snap Finance UK is the data controller in relation to the processing activities described below. This means that Snap Finance
UK decides why and how your personal information is processed.
This policy explains when and why we collect personal information about individuals, how this information is used, the
conditions under which it may be disclosed to others and how it is kept secure.
This policy may change from time to time so please check this page occasionally to ensure that you’re happy with any
changes.
6.1.5 You are unable to pay Your debts as defined in the Insolvency Act 1986, You are
served with a Statutory Demand or a bankruptcy order is made against You or You
petition for Your own bankruptcy, in Scotland a petition is presented for
sequestration of Your estate or You become apparently insolvent or grant a trust
deed to Your creditors;
6.1.6 You make any composition, scheme or arrangement with creditors or a meeting with
creditors is convened;
6.1.7 Upon the appointment of a Trustee in Bankruptcy;
6.1.8 A County Court Judgment is awarded against You;
6.1.9 If there is any enforcement, execution or distress levied or attempted against You or
any of Your assets or income;
6.1.10 You have given Us material information in connection with the making of this
agreement which You knew, or ought reasonably to have known, is false or You fail
to provide to Us material information which would have affected the provision of
credit to You under this agreement;
6.2 If any of the events referred to in clause 6.1 occur then we may, after service of a default
notice in compliance of the Consumer Credit Act 1974, terminate this agreement under clause
7 below and recover the amounts set out in that clause.
7 TERMINATION
7.1 If we terminate this agreement You will pay to Us:
7.1.1 all arrears of repayments and other sums due under this agreement;
7.1.2 the repayments that would have become due and payable during the remainder of this
agreement except for the termination:
7.1.3 our reasonable legal and other costs and expenses incurred in enforcing our rights
under this agreement as set out in clause 8 below: less
7.1.4 any rebate payable for early settlement.
8 GENERAL TERMS
8.1 You will tell Us immediately if You change Your address.
8.2 If You are more than one person then Your liability will be joint and several. This means that
each person signing will be fully responsible for making the payments and performing the
obligations required by this agreement. Any notice we send to one of You will be effective
notice to both or all of You.
8.3 This agreement incorporates all of the terms agreed between You and Us. It cannot be varied
except by a document signed by You and Us on or after the date when it starts. We exclude
all representation or statements made before entry into this agreement except those implied
by law.
8.4 We may assign the benefit of this agreement to any third party but You must not do so. If we
assign the agreement we will inform You in writing of the assignment. You must not transfer or
sell this agreement to any third parties.
8.5 Notices from You to Us should be sent to the address for Us on the front of the agreement.
Notices from Us to You will be sent to Your address given on the agreement or to any other
address which You have notified to Us in writing. You must notify Us promptly if You change
address otherwise all notices will be validly served at the most recent address we have on file
for You. If You have provided Us with an email address You authorise Us to provide notices to
You and communicate with You using that email address.
8.6 No manufacturer, credit broker or supplier by whom this agreement was negotiated or the
Goods were supplied is our agent for any purpose. This does not affect Your statutory rights.
8.7 Our rights will not be affected if we grant You any concession, do not enforce our rights or we
delay enforcing any of the terms of this agreement.
8.8 A person who is not a party to this agreement shall have no right to enforce any term of this
agreement under the Contracts (Rights of Third Parties) Act 1999.
8.9 You have chosen the goods and will inspect them immediately on receipt or delivery. You
agree that we do not give, make or agree to any condition, warranty, term, stipulation or
representation express or implied in respect of the Goods. This does not affect Your statutory
rights.
8.10 If you are resident in England or Wales, this Agreement shall be governed by and construed
in accordance with the law of England and Wales and the English and Welsh Courts shall
have exclusive jurisdiction. If you are resident in Scotland, this Agreement shall be governed
by and construed in accordance with the law of Scotland and the Scottish Courts shall have
exclusive jurisdiction.
9 YOUR RIGHTS
If you received unsatisfactory goods or services costing more than £100 and not more than
£30,000 paid for under this agreement you may have a right to sue the supplier, us or both. If
the supply contract is not fulfilled perhaps because the supplier has gone out of business, you
may still be able to sue us.
10 OMBUDSMAN SCHEME
If You are a customer acting outside the course of a business and have a complaint about this
agreement or the products financed by it and You are unable to resolve it with Us, You are
entitled to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall,
London, E14 9SR. If You are a customer entering into this agreement in the course of a
business, You may have the right to complain to the Financial Ombudsman Service.
11 OUR REGULATOR
The Financial Conduct Authority is the supervisory authority for consumer credit agreements.
Their address is at 25 The North Colonnade, Canary Wharf, London, E14 5HS
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This policy was last updated on 12th March 2020.

Before entering into the Agreement

Before We enter into the agreement with You, We will collect personal data relating to You and third parties which may include
a spouse or partner, family members, and/or member(s) of Your household, joint applicant(s), or other individuals with whom
You have a financial connection (“financial associates”). You must be sure You have Your financial associate’s agreement to
disclose their personal data. This personal data may be collected from You or other sources such as credit reference
agencies, fraud prevention agencies (including those based outside the EU), Your insurer, regulatory bodies and public
registers including the electoral roll. Whether or not Your application proceeds, these sources will link Your records and those
of Your financial associates, including any previous and subsequent names. These links will remain on Your and their files
until You or they tell these sources You are no longer financially linked and the source accepts this. If you do not provide this
information then We may not be able to proceed with your application.

A scoring or other automated decision-making system may be used to assess Your application. Your personal data will be
used to assess Your credit risk using an automated decision-making technique called ‘credit scoring’. Various factors (such as
previous account conduct and payment arrears) help us to assess the risk; a score is given to each factor and a total credit
score obtained, which will be assessed against a confidential pre-set pass score. The consequence is that your application
may be declined . This process is necessary for the performance of a contract as it helps Us make fair and responsible
lending decisions. We regularly test credit scoring methods to ensure they remain fair, effective and unbiased. You have the
right to obtain human intervention. You also have the right to challenge a decision and request that any declined decision is
reconsidered. Our contact details for exercising these rights are located in the ‘Contact Us’ section of the Privacy Policy.

Collecting and using Your personal data

We are the data controller in respect of the personal data that You give to Us and which We hold about You. Personal data
means any identifiable information, whether directly or indirectly, relating to You. Personal data (including without limitation
Your title, first name, middle name surname, mobile number, home address, email address date of birth, financial information
(including your debit or credit card number, CV2, expiry date and name on debit or credit card), employment details and any
unique device identifiers collected by Us, provided by You or received from third parties, will be used by Us at application
stage and during the term of and after termination of this agreement for the following purposes:

Purpose Legal basis for processing

Providing and administering the services

Processing and administering personal data is necessary
under, and transacting, this agreement.
for the performance of a contract with You.

Assessing lending risks, credit and other Assessing lending risks, credit and other functioning
funding decisions. decisions is necessary for the performance of a contract
with You.

To understand your needs and provide a

better service to You.
We have a legitimate interest in understanding Your needs
To help us to develop and improve our so that We provide a better service to You, and to help Us
products and services. develop and improve our products and services.

Monitoring communications between us Monitoring communications is necessary for compliance

(calls, letters, emails and texts) to prevent and with our legal obligations to prevent fraud and detect
detect crime crime.

Credit, market, account and operational risk Processing personal data relating to the identification and
management management of financial and market risk is necessary for
the performance of a contract during the contract with
You.

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Debt recovery
Assigning our rights and obligations to a third
party
Disposing of our business or assets
Funding, capital markets or securitisation
arrangements
Verifying identities.
Complying with regulatory and compliance
obligations – for example anti money
laundering and counter terrorism checks.
Tax administration
Auditing, reporting and accounting functions
To protect the security of our
communications, systems and procedures
Statistical analysis and market research
We may monitor and record telephone calls
for the purposes of training and quality
control.
We may monitor and record telephone calls
for the purposes of security and for legal
claims.
Processing personal data relating to debt recovery is
necessary for the performance of a contract as We need
to ensure payment of debt owed to Us.
We have a legitimate interest to process personal data
when assigning our rights and obligations to a third party.
We have a legitimate interest to process personal data
when disposing of our business or assets.
This is necessary for the purposes of our legitimate
interests to ensure that We or our business remains
commercially viable.
Processing is necessary for compliance with legal
obligations to complete anti-money laundering and
counter terrorism checks.
Processing is necessary for compliance with legal
obligations relating to the administration of tax.
Processing is necessary for compliance with legal
obligations relating to auditing and accounting.
Processing is necessary for compliance with legal
obligations to protect the security of personal data within
our communications, systems and procedures.
We have a legitimate interest in understanding the
customer journey so that We understand your needs and
provide a better service to You, and to help Us develop and
improve our products and services.
Processing is necessary for the purposes of our legitimate
interests to enable us to properly resolve complaints, to
improve our service standards and for staff training
purposes.
Processing is necessary for compliance with legal
obligations relating to legal claims and security of personal
data.
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We may process personal data prior to We have a legitimate interest in processing data prior to
sending for a marketing purpose. sending in order to effectively provide marketing from Us
and from third parties.

How we share your information

Third parties

For the purposes set out above, We may transfer personal data to carefully selected third parties:

 TransUnion International UK Limited, Experian Ltd, and/or other credit reference agencies; our service, system,
support and outsource provider of credit reference services, where we will share personal data, including details of
Your application to Your agreement with Us, the payments You make under it, any default or failure to keep to its
terms and any change of name or address;
 Experian Ltd, who provide address verification;
 Equifax Ltd, where we will share personal data, including details of Your application to Your agreement with Us, the
payments You make under it, any default or failure to keep to its terms and any change of name or address;
 Our collection agents in the event that You default on Your loan with Us; and
 Regulatory bodies
 Law enforcement and fraud prevention agencies (please see the section below headed ‘Fraud Prevention Agencies’
to see how we interact with fraud prevention agencies when processing your personal data).

In order to process Your application We will supply Your personal information to credit reference agencies (CRAs) and they
will give us information about You, such as about Your financial history. We do this to assess creditworthiness and product
suitability, check Your identity, manage Your account, trace and recover debts and prevent criminal activity.

We will also continue to exchange information about You with CRAs on an ongoing basis, including about Your settled
accounts and any debts not fully repaid on time. CRAs will share Your information with other organisations. Your data will also
be linked to the data of Your spouse, any joint applicants or other financial associates.

The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at:
 https://www.transunion.co.uk/legal/privacy-centre/pc-credit-reference/
 https://www.equifax.co.uk/crain/
 https://www.experian.co.uk/legal/crain/

(please note that the Credit Reference Agency Information Notice is the same for each of the CRAs).

Group companies

We may share your personal data with other companies within Snap Finance group. They may use your personal data for
providing and administering the services under, and transacting, this agreement.

Our suppliers and service providers

We may disclose your information to our third party service providers, agents, subcontractors and other organisations for the
purposes of providing services to us or directly to you on our behalf.

When we use third party service providers, we only disclose to them any personal data that is necessary for them to provide
their service and we have a contract in place that requires them to keep your personal data secure and not to use it other than
in accordance with our specific instructions.

Credit/debit card payment providers

When you purchase any products or services online, your credit/debit card payment is processed by a third party payment
provider, who specialises in the secure online capture and processing of credit/debit card transactions. If you have any
questions regarding secure transactions, please contact us using the details at the end of this policy.

Other ways we may share your personal data

We may transfer your personal data to a third party as part of a sale of some or all of our business and assets to any third
party or as part of any business restructuring or reorganisation. We may also transfer your personal data if we’re under a duty

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to disclose or decide to share it in order to comply with any legal obligation, to detect or report a crime, to enforce or apply the
terms of our contracts or to protect the rights, property or safety of our visitors and customers.

However, we will always take steps with the aim of ensuring that your privacy rights continue to be protected.

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Overseas transfers of personal data

All information you provide to us may be transferred to countries outside the European Economic Area (EEA) including the
USA and Costa Rica. By way of example, this may happen where any of our Group companies are incorporated in a country
outside of the EEA or if any of our servers or those of our third party service providers are from time to time located in a
country outside of the EEA.

These countries do not provide the same standard of data protection laws as the UK. If we transfer your information outside of
the EEA in this way, we will take steps to ensure that appropriate security measures are taken with the aim of ensuring that
your privacy rights continue to be protected as outlined in this policy. These steps include imposing contractual obligations on
the recipient of your personal data or ensuring that the recipients are subscribed to ‘international frameworks’ that aim to
ensure adequate protection. Please contact us using the details at the end of this policy for more information about the
protections that we put in place and to obtain a copy of the relevant documents.

Data retention

If We collect Your personal information, the length of time We retain it is determined by a number of factors including the
purpose for which We use that information and our obligations under other laws.

We do not retain personal information in an identifiable format for longer than is necessary. For unsuccessful applications, We
will remove Your data after twelve (12) months.

We may need your personal information to establish, bring or defend legal claims, in which case We will retain your personal
information for 7 years after the last occasion on which We have used your personal information in one of the ways specified
in “Collecting and using Your personal data”.

The only exceptions to this are where:

 the law requires us to hold Your personal information for a longer period, or delete it sooner;

 you exercise Your right to have the information erased (where it applies) and We do not need to hold it in
connection with any of the reasons permitted in this “Data retention” section or required under the law; and

 in limited cases, the law permits Us to keep your personal information indefinitely provided We put certain
protections in place.

Fraud Prevention Agencies

General

 Before We provide financing to You, We undertake checks for the purposes of preventing fraud and money
laundering, and to verify Your identity. These checks require Us to process personal data about You.
 The personal data You have provided, We have collected from You, or We have received from third parties will be
will be used to prevent fraud and money laundering, and to verify Your identity.
 Details of the personal information that will be processed include, for example: name, address, date of
birth, address, contact details, financial information, employment details and device identifiers including IP
address.
 We and fraud prevention agencies may also enable law enforcement agencies to access and use Your
personal data to detect, investigate and prevent crime.
 We process Your personal data on the basis that We have a legitimate interest in preventing fraud and
money laundering, and to verify identity, in order to protect our business and to comply with laws that apply
to Us. Such processing is also a contractual requirement of the financing You have requested.
 Fraud prevention agencies can hold Your personal data for different periods of time, and if You are
considered to pose a fraud or money laundering risk, Your data can be held for up to six years.
Automated Decisions

 As part of the processing of Your personal data, decisions may be made by automated means. This
means We may automatically decide that You pose a fraud or money laundering risk or if our processing
reveals Your behaviour to be consistent with that of known fraudsters or money launderers; or is
inconsistent with Your previous submissions; or You appear to have deliberately hidden Your true identity.
You have rights in relation to automated decision making: if You want to know more please contact Us
using the details provided below.

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Consequences Of Processing

 If We, or a fraud prevention agency, determine that You pose a fraud or money laundering risk, We may
refuse to provide the financing You have requested.
 A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may
result in others refusing to provide services, financing or employment to You. If You have any questions
about this, please contact Us on the details provided.
Data Transfers

 Whenever fraud prevention agencies transfer Your personal data outside of the European Economic Area,
they impose contractual obligations on the recipients of that data to protect Your personal data to the
standard required in the European Economic Area. They may also require the recipient to subscribe to
‘international frameworks’ intended to enable secure data sharing.
Your Rights

 For information on your rights when we process your data in connection with information provided by a
fraud prevention agency, please see below.
Your rights

You have the following rights (which may not always apply or be subject to certain circumstances and exemptions, and some
only apply from 25 May 2018):

 The right to be informed - including about Our processing of Your personal data. That is the reason for this
data protection statement.
 To have Your personal data corrected if it is inaccurate and to have incomplete personal data completed
in certain circumstances.
 The right in some cases to object to processing of Your personal data (as relevant). This right allows
individuals in certain circumstances to object to processing based on legitimate interests, direct marketing
(including profiling) and processing for purposes of statistics.
 The right in some cases to restrict processing of Your personal data, for instance where You contest it as
being inaccurate (until the accuracy is verified); where You consider that the processing is unlawful and where
this the case; and where You request that Our use of it is restricted; or where We no longer need the personal
data.
 The right to have Your personal data erased in certain circumstances (also known as the “right to be
forgotten”). This right is not absolute – it applies only in particular circumstances and where it does not apply
any request for erasure will be rejected. Circumstances when it might apply include where the personal data
is no longer necessary in relation to the purpose for which it was originally collected/processed, if the
processing is based on consent which You then withdraw, when there is no overriding legitimate interest for
continuing the processing, if the personal data is unlawfully processed, or if the personal data has to be
erased to comply with a legal obligation. Requests for erasure will be refused where that is lawful and
permitted under data protection law for instance where the personal data has to be retained to comply with
legal obligations or to exercise or defend legal claims.
 To request access to the personal data held about You and to obtain certain prescribed information about
how We process it. This is more commonly known as submitting a “data subject access request”. This must
be done in writing, and we may need confirmation of your identity. This right will enable You to obtain
confirmation that Your personal data is being processed, to obtain access to it, and to obtain other
supplementary information about how it is processed. In this way You can be aware of and You can verify the
lawfulness of your processing of Your personal data.
 To move, copy or transfer certain personal data. Also known as “data portability”. You can do this where
We are processing Your personal data based on a consent or a contract and by automated means. This right
is different from the right of access (see above) and that the types of data You can obtain under the two
separate rights may be different. You are not able to obtain through the data portability right all of the
personal data that You can obtain through the right of access.
 Rights in relation to some automated decision making about You including profiling (as relevant) if this has a
legal or other significant effect on You as an individual. This right allows individuals in certain circumstances
to access certain safeguards against the risk that a potentially damaging decision is taken without human
intervention.

For more information or to exercise these rights, please contact Us using the details at the end of this policy.

You have the right to lodge a complaint with the Information Commissioner’s Office where Your data has or is being used in a
way that You believe does not comply with data protection laws. However, We encourage You to contact Us before making
any complaint and we will seek to resolve any issues or concerns You may have.

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Your Marketing Preferences

Marketing from Us

We may collect Your preferences to receive marketing information directly by email, SMS, post and telephone.

Marketing from third parties

We will only share Your data with our recommended third party partners for them to contact You with marketing information
about their products and services where You have indicated that You would like Us to do so. Once shared, the relevant third
party’s privacy policy will apply to their processing of Your personal data, not ours.

Changing Your Marketing Preferences

You have the right at any time to ask Us, or organisations You have allowed Us to share Your personal data with for marketing
purposes, to stop contacting You or passing Your details to others for marketing purposes. Please contact Us using the details
at the end of this policy.

Contact Us

Please contact our customer service department on 03300 109381 or by writing to US at customer@snapfinance.co.uk or 1
Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB, or use the tools on our website.

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