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If you borrow and don’t repay in full and on time, CRAs will record the outstanding debt.This information may be given to other organisations by CRAs.This privacy notice applies to personal information processed by or on behalf of The AA Group.For AA Drive Tech, please refer to the following separate privacy notice: AA Drive Tech privacy policy Use the links below to find out more about how we use your personal information: Changes to this privacy notice We may change this privacy notice from time to time by updating this page in order to reflect changes in the law and/or our privacy practices.

a) Assessing an application for a product or service you hold with us, including consider whether or not to offer you the product, the price, the payment methods available and the conditions to attach b) Managing products and services you hold with us, or an application for one c) Updating your records, tracing your whereabouts to contact you about your account and doing this for recovering debt (where appropriate) d) Sharing your personal information with business partners and services providers when you apply for a product to help manage your product e) All stages and activities relevant to managing the product or service including enquiry, application, administration and management of accounts, illustrations, requests for transfers of equity, setting up/changing/removing guarantors f) For some of our profiling and other automated decision making to decide whether to offer you a product and/or service, particular payment method and the price or terms of this a) Managing your products and services relating to that, updating your records, tracing your whereabouts to contact you about your account and doing this for recovering debt (where appropriate) b) To perform and/or test the performance of, our products, services and internal processes c) To follow guidance and recommended best practice of government and regulatory bodies d) For management and audit of our business operations including accounting e) To carry out searches at Credit Reference Agencies pre-application, at the application stage, and periodically after that.

The right of data portability is only relevant from May 2018.

You have the right to object to certain purposes for processing, in particular to data processed for direct marketing purposes and to data processed for certain reasons based on our legitimate interests.

In this section monitoring means any: listening to, recording of, viewing of, intercepting of, or taking and keeping records (as the case may be) of calls, email, text messages, social media messages, in person (face to face) meetings and other communications.

We may monitor where permitted by law and we’ll do this where the law requires it, or to comply with regulatory rules, to prevent or detect crime, in the interests of protecting the security of our communications systems and procedures and for quality control and staff training purposes.

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The identities of the CRAs, their role as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail on our website.

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