Thank you for applying for a Barclays Partner Finance loan.

We are pleased to provide you with copies of your application documents, which set out the
key terms of the loan:

 Important Information About Your Loan

 Pre-Contract Credit Information
 Your loan agreement.

Should you have any queries relating to your ongoing application, please contact us on 0800
63 43 919*.

Otherwise, should you have any queries relating to your approved Barclays Partner Finance
loan or documents, please contact our Customer Services team on 0800 15 22 888*.

Yours sincerely,

Nicky Evans
Head of Customer Management

*Calls to 0800 numbers are free from UK landlines. Mobile charges may vary. Charges will
apply to calls from outside the UK. Calls may be monitored or recorded in order to maintain
high levels of security and quality of service.
Your loan explained
This page gives details of the key features of your loan, and the risks involved. Please read this
page with the pre-contract credit information. You can take this information away to read it in detail
before you make a decision.
Your loan explained (continued)
How we use your information
This section sets out details of the information we collect about you and what we do with it. You can
see an up-to-date version of this information at any time on our website. Visit
www.barclayspartnerfinance.com and click on the privacy policy link at the bottom of the page.

Information we hold about you If false or inaccurate information is provided to us and fraud is identified,
This policy applies to information we hold about you. In this policy 'we', 'us' details may be passed to credit reference and fraud prevention agencies
and 'our' mean Barclays Partner Finance, which is a trading name of to prevent fraud and money laundering and to verify your identity.
Clydesdale Financial Services Limited, a wholly-owned subsidiary of Barclays The Credit Reference Agency Information Notice (CRAIN) describes
Bank PLC, registered number 2901725, registered office 1 Churchill Place,
how the three main credit reference agencies in the UK each use and
London E14 5HP. Our trading address is PO Box 2501, Cardiff CF23 0FP.
share personal data. The CRAIN is available on the credit reference
'You' means the person the information relates to.
agencies’ websites:
This policy applies to information we hold about customers and possible  www.callcredit.co.uk/crain
 www.equifax.co.uk/crain
future customers, suppliers and possible future suppliers, contacts and all
other people we hold information about. By 'information' we mean personal  www.experian.co.uk/crain

and financial information about you that we collect, use, share and store. Or you can ask us for a copy of these.
For further details on the information about you that we may process, please
see www.barclayspartnerfinance.com/home/privacy-policy/. For further details of who we may share your information with, and how
your information will be used by us, fraud prevention agencies and
Where this information comes from others, see www.barclayspartnerfinance.com/home/privacy-policy/.
We collect, use, share and store information about you to provide you with
the services you have asked us for and to share information with you about How long we will keep your information
services that may be of interest to you. We will collect your information direct We will keep your information for as long as is needed for the purposes
from you or from other people and organisations. For more details of where set out above or as required by any laws that apply.
we may get your information from see
www.barclayspartnerfinance.com/home/privacy-policy/. If you close your account, if we refuse your application for an account or
product, or you decide not to go ahead with your application for an
How we use your information account or product, we’ll still keep your information. We may also
We use your information: continue to collect information from credit reference agencies to use after
1to provide our services to you;
your account is closed. We’ll do this for as long as we’re allowed to for
1to help us develop new and improved products and services to meet
legitimate business purposes, to help prevent fraud and other financial
our customers’ needs;
crime, and for other legal and regulatory reasons.
1for security and to check your identity;

1for training; Your rights

 to communicate with you; You have rights relating to the way that we use your information, and can
 for legal reasons; make certain choices. For example, you can:
 where we have a legitimate interest in using your information, for  ask for a copy of the personal information we hold about you;

example to protect our business interests or to prevent fraud; and  ask us to correct your personal information if necessary;
 withdraw any permission you have previously given relating to
 to keep you informed about products and services you hold with us and to
send you information about products or services (including those of other your personal information;
 object to any automated decision-making;
companies) which may be of interest to you.
 ask us to stop or start sending you marketing messages;
We may use automated processes. For further information, including the  ask us to send you (or someone you nominate) a copy of the

legal basis on which we use your information, please see information we hold about you; and
www.barclayspartnerfinance.com/home/privacy-policy/.  ask us to stop using your information in certain circumstances.

Sharing your information with others To use any of the rights set out above, or to discuss any other issue
We’ll keep your information confidential but we may share it in certain relating to your information, please contact us using the methods set out in
circumstances, for the purposes set out in this policy, with: the 'Contact us' section.
 other Barclays companies;

 other companies who provide a service to you, for example if you If you have any concerns about the way we use your information, you have
use our products to make a purchase or payment; the right to complain to the Information Commissioner's Office, which
regulates the use of personal information in the UK, by calling
 our service providers and agents, including their subcontractors;
0303 123 1113.
 any company we are providing services with;

 anyone we transfer or may transfer our rights and duties to;

For further details on your rights relating to the way we use your
 fraud prevention agencies, who will use it to prevent fraud and information, and other ways to contact us, please see
money laundering and to confirm your identity (if fraud is detected, you www.barclayspartnerfinance.com/home/privacy-policy/.
could be refused certain services, finance or employment); and
 credit reference agencies.
Contact us
The people and organisations listed above will also have to keep it secure If you have any questions or comments about privacy issues, or you have
and confidential. a complaint about how we are using your personal information, you can
call us on 0800 15 22 888. For further contact details, please see
Credit Reference Agencies and Fraud Prevention Agencies www.barclayspartnerfinance.com/home/privacy-policy/.
In order to process your application, we will supply your personal information
to credit reference agencies and fraud prevention agencies 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.
These agencies may in turn share your personal information with other
organisations. If fraud is detected, you could be refused certain services,
finance or employment.
Signing this agreement means you:
· have received a copy of your pre-contract credit information (if you have not, you should ask for it);
· are entering into a legally binding agreement to keep to the terms and conditions shown;
· agree that the date of this agreement is the later of the two dates shown beside the signatures below;
· authorise us to collect repayments using the details shown in the bank or building society direct debit instruction; and
· agree to us processing your personal information in the way set out in the ‘How we use your information’ document (we may
vary this document from time to time and the most up-to-date version will be available on our website).

Customer signature Signed for and on behalf of Barclays Partner Finance

Date of signature Date of signature

Terms and conditions of your loan
Terms and conditions of your loan (continued)

This Guarantee should be detached and retained by the payer.

The Direct Debit Guarantee

 This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits

 If there are any changes to the amount, date or frequency of your Direct Debit, Barclays Partner Finance will
notify you 4 working days in advance of your account being debited or as otherwise agreed. If you request
Barclays Partner Finance to collect a payment, confirmation of the amount and date will be given to you at the
time of the request

 If an error is made in the payment of your Direct Debit by Barclays Partner Finance or your bank or building
society you are entitled to a full and immediate refund of the amount paid from your bank or building society

 If you receive a refund you are not entitled to, you must pay it back when Barclays Partner Finance asks you to

 You can cancel a Direct Debit at any time by contacting your bank or building society. Written confirmation may
be required. Please also notify us