Data Usage Policy

This tool is operated by HD Decisions (a third party) on behalf of Lloyds Banking Group.

In order to find the most suitable product for you we may use the information held at a credit reference agency (CRA). How we and the CRA will use your information is detailed in the section of the terms and conditions called “use of personal information”. By confirming your agreement to proceed you are confirming that we may each use your information in this way.

The section below is related to the use of Personal Information:

HD Decisions will search at Experian Ltd who will provide us with publicly held data, including the electoral roll and shared credit performance data. If you have a financial associate their data may also be provided.

HD Decisions will use the information provided to us by Experian Ltd to help decide which products you may be eligible for. It is important to note that there may be other products available from lenders who are not represented by this service.

When Experian Ltd receives a search from HD Decisions they will place a quotation search footprint on your credit report, whether or not you decide to apply for the product. This search will not affect your ability to gain credit.

The information which HD Decisions provide to Experian Ltd may be supplied by them to other organisations and used by those organisations for the purposes of checking identity, preventing fraud, tracing and collection of debt. Experian Ltd may also use the data to undertake statistical analysis.

If you choose to apply for a product, the lender (Bank of Scotland plc.) will undertake a credit check and provide you with the terms and conditions for their product.

You can contact Experian as follows, they will charge a small statutory fee if you wish to obtain a copy of your credit report.

Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0344 481 8000 or log on to