Privacy Policy


XL Limited – Privacy Notice

XL Limited respects your privacy and we will only use your information in the way we describe in this notice. When using your information, we aim to be fair and transparent and to follow our obligations under EU General Data Protection Regulations.

Information regarding your personal data.

We  may use and update this centrally held information:

  • to provide you with services
  • and to update our records about you

We may also use your information for internal research and statistical analysis with the aim of improving our services.

The information we hold about you is confidential. We will only disclose it outside XL Limited when:

  • you have given us your consent
  • in order to obtain professional advice
  • we or others need to investigate or prevent crime (e.g. to fraud prevention agencies)
  • the law permits or requires it
  • or any regulatory or governmental body requests or requires it, even without your consent
  • or there is a duty to the public to reveal the information.

Monitoring

We may monitor, record, store and use any telephone, email or other electronic communications with you for training purposes, so that we can check any instructions given to us and to improve the quality of our customer service.

We will monitor network traffic from time to time for the purposes of backup and problem solving and in order to ensure that you are not misusing any of the services provided to you.

Credit reference agencies

If you enter into a hire/lease agreement, in considering your application we will search your record at credit reference agencies. They will add to your record details of our search and your application and this will be seen by other organisations that make searches. On occasion, we may request a credit check with more than one finance provider.

Searches will also be made in respect of directors and partners of firms applying for credit. Information held about you by the credit reference agencies may already be linked to records relating to other people with whom you have a financial association. In connection with your application you may be treated as financially linked with them and assessed with reference to any such associated records.

If you are a joint applicant or if you have told us of some other financial association with another person, or a director of a firm which is applying for a facility you are declaring that you are entitled to:

  • disclose information about your joint applicant, fellow directors and anyone else referred to by you
  • authorise us to search, link or record information at credit reference agencies about you and anyone else referred to by you

We may use a credit scoring system when assessing your application.

We will also add to your record with the credit reference agencies details of your agreement with us, the payments you make under it and any default or failure to keep to its terms and any change of address you fail to tell us about where a repayment is overdue.

These records will be shared with other organisations and used by us and them to help make decisions about credit and credit related services such as insurance for you and members of your household; trace debtors, recover debt and to manage your accounts.

For these purposes we or they may make further searches. Although the searches will be added to your record, they will not be shared with others.

If you give us false or inaccurate information and fraud is identified, details will be passed to the fraud prevention agencies.

We and other organisations may also share, access and use this information to prevent fraud and money laundering, for example when:

  • checking details on applications for credit and credit related or other facilities
  • managing credit and credit related accounts or facilities
  • recovering debt
  • checking details on proposals and claims for all types of insurance
  • checking details of job applicants and employees

In addition, law enforcement agencies may access and use this information.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

For these purposes we or they may make further searches. Although these searches will be added to your record, they will not be shared with others.

We and the credit reference agencies will also use the records for statistical analysis about credit.

Please telephone us on 0800 001 6666 if you want to have details of those credit reference and fraud prevention agencies from whom we obtain and to whom we pass information about you. You have a legal right to these details.

Sharing your information

We will keep information about you and about your agreement on our database. We may pass information about you and your agreement to anyone we have appointed to help administer your agreement, to your credit insurer for administration, claims handling and fraud prevention (which could include passing it to other insurers), to insurance companies or to recover amounts owing or to anyone to whom we transfer the agreement.

Marketing

 Subject to your consent, we may use your information in order to select and tell you about products and services available from us which may be of interest to you. We may also use your information to tell you about products and services which we can introduce from selected businesses. We may pass your information to agencies conducting market research for us and to selected insurers who may use it for marketing purposes.

To help make our emails more interesting and relevant, we often receive a confirmation when you open an email from XL Limited if your computer supports such capabilities.

You have a right at any time to ask us not to contact you or give your details to others for these purposes or not to telephone you for sales purposes. You may email info@xlltd.com if you wish us to stop. Protecting your privacyTo the extent that sensitive personal data is processed about you, we will employ appropriate security measures given the nature of that data. However, you recognise that your use of the Internet and our website is entirely at your own risk.

We have tried to create a secure and reliable website for our users. However, we have no responsibility or liability for the security of personal information transmitted via the Internet.

We may need to provide some of your personal information to third parties that we use for the purposes of delivering specific services to you (e.g. customer support, or a transport company if you have asked us to deliver a vehicle to you).

Our website may provide links and banner advertisements to third party sites. Please note that we are not responsible for, and have no control over, information that is submitted to or collected by these third parties. Since we do not control those websites, you are responsible for reviewing and abiding by the privacy policies of these third party sites.

 

Protecting your privacy

To the extent that sensitive personal data is processed about you, we will employ appropriate security measures given the nature of that data. However, you recognise that your use of the Internet and our website is entirely at your own risk.

We have tried to create a secure and reliable website for our users. However, we have no responsibility or liability for the security of personal information transmitted via the Internet.

We may need to provide some of your personal information to third parties that we use for the purposes of delivering specific services to you (e.g. customer support, or a transport company if you have asked us to deliver a vehicle to you).

Our website may provide links and banner advertisements to third party sites. Please note that we are not responsible for, and have no control over, information that is submitted to or collected by these third parties. Since we do not control those websites, you are responsible for reviewing and abiding by the privacy policies of these third party sites.

If you feel your privacy has been breached by us, then please write to:

Data Protection Officer
XL Limited
Bozon Hall, Wash Road
Kirton, PE20 1QJ

Your Rights

  • You may ask us not to process information for marketing purposes
  • You are entitled to a copy of information we hold about you and ask us to correct
  • You may ask us to stop using your information and delete it.
  • You may make a complaint to the Information Commisioner (www.ico.org.uk)

Protecting your interests

If you feel your privacy has been breached by us, then in the first instance please write to:

Data Protection Officer
XL Limited
Bozon Hall, Wash Road
Kirton, PE20 1QJ

Changes to the Privacy Policy

Please note that this policy will be reviewed, and may change, from time to time. The revised policy will be posted to this page so that you are always aware of the information we collect, how we use it and under what circumstances we disclose it.

XL Limited

Registered in England and Wales with registered number: 05974549 VAT No:159068189

Registered office: Bozon Hall, Wash Road, Kirton, PE20 1QJ

XL Limited is authorised and regulated by the Financial Conduct Authority FRN 704415