Clear Motor Claims Privacy Policy

Definitions in this agreement

In this document “we/us/our” means Argutus Legal Limited and
“you/your” means the client.
Definitions of other words used in this document are as follows:
1. Charges – Our charges for pursuing your claim including any costs you become entitled to.
2. Claim – Your claim, whether or not court proceedings are issued, as described in the section “what is covered by this contract.”
3. Compensation – any sums awarded, offered, paid or given in respect of a settlement, goodwill gesture, policy refund, balance reduction, rebate, financial benefit or any other payment associated with the Claim(s) including any costs, interest payments and associated charges. For the
avoidance of doubt Compensation also includes any sums used to reduce any outstanding balances/ debt.
4. Costs – Charges, disbursements, and any applicable tax including VAT.
5. Disbursements – Payments we make on your behalf including but not limited to court fees.
6. Fast Track claim – a claim allocated to or treated as allocated to the Fast Track for the purposes of costs.
7. Lien – Our right to keep all papers, documents, money or other property held on your behalf until all money due to us is paid.
8. Lose – Your claim has been dismissed, or you have stopped it on our advice.
9. Multi-track claim – a claim allocated to or treated as allocated to the multi-track for the purposes of costs.
10. Intermediate Track claim – a claim allocated to or treated as allocated to the Intermediate Track for the purposes of costs.
11. Ombudsman Fee – any fee required by the Ombudsman for us to lodge or progress your Claim.
12. Opponent – the party or parties from whom you are seeking compensation.
13. Small claim – a claim allocated or treated as allocated to the Small Claims track for the purposes of costs.
14. Start date – the date on which this agreement begins. This is the date on which we send you email confirmation of these terms.
15. Win – “Win” means that you recover Compensation.

What Is Covered By This Contract

(i) Formulating your claim for compensation or other relief for financial mis-selling arising from your motor finance agreement including in our discretion whether court proceedings should be taken or not.
(ii) An application for pre-action or non party disclosure. Any action or application under data protection legislation.
(iii) Negotiations about and/or a court assessment of the costs of this claim.
(iv) Any proceedings you take to enforce a judgment, order or agreement.

What Is Not Covered By This Contract

(i) An application to an Ombudsman or any financial compensation scheme.
(ii) Any appeal you make against the final judgment or order without our prior agreement.
(ii) Any Disbursement or Ombudsman Fee

Our Responsibilities

We:
(i) Must always act in your best interest subject to our duty to the Court.
(ii) Must give you our best advice about whether to accept any offer of settlement.

Your Responsibilities

You:
(i) Must give us instructions that allow us to do our work properly.
(ii) Must not ask us to work in an improper or unreasonable way.
(iii) Must not deliberately mislead us.
(iv) Must co-operate with us.
(v) Must not make any direct or indirect settlement of your claim with your opponent other than through us.
(vi) Must not instruct any other representative nor pursue your compensation claim against your opponent without first terminating this contract.
(vii) Agree that any compensation will be paid directly to us. In these circumstances you require the opponent to do so and authorise us to retain our charge, disbursements and VAT and pay any ATE insurance premium from the compensation before remitting the balance of the compensation to you.
(viii) Agree that any compensation shall be paid into an account designated by us.
(ix) Must inform us of any payment received from or offered by the opponent in respect of your claim, including any correspondence.
(x) Must not communicate with your opponent in relation to this claim, other than through us.
(xi) Must pay all Disbursements and Ombudsman Fees.
(xii) In accordance with our internal client identification and verification procedures we are required to carry out client due diligence checks.
If you have not already done so you are required to provide us with a copy of your passport or driving licence and proof of your address that is less than 3 months old. This may be by way of bank statement, utility bill or equivalent as detailed within the accompanying money laundering leaflet.

Privacy Policy

I confirm that I have had a vehicle on finance and I was not aware of commission being paid to the dealer. and I have agreed to the privacy policy of Argutus Legal Limited and authorised them to conduct a soft credit check on my behalf to assess the details of any of my automative finance information held by credit reference agencies and to conduct any other relevant automative information searches through its provider, ViewThru, a trading name of TAL Marketing Group. I understand this is part of my rights under GDPR. I understand that any searches conducted via ViewThru shall not affect my credit score, any information gathered through this process will only be used for the purposes of validating my identity and, confirming the existence of any vehicle agreements that may be used to support my claim. I agree to the privacy policy of Argutus Legal Limited and authorise them to conduct soft credit searches on my behalf through its provider, ViewThru, with no impact on my credit score. I also agree to ViewThru’s privacy policy which can be found at https://viewthru.co.uk/privacy

Right To Assign

The Firm shall have the right to assign its rights and obligations under this Agreement to a third party, provided that such assignment does not alter the terms of the Agreement or the obligations of the Client. The Buyer’s consent is not required for such assignment, except for any assignments relating to the delivery of goods or services, in which case prior written consent from the Buyer shall be required.

Consumer Contracts (Information, Cancellation And Additional Charges) Regulations 2013

We are required to provide to you with certain information under Schedule 2 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Where it is relevant to this contract, the required information is contained in this document.

What Can You Claim

1. Your claim is for compensation or other relief arising from financial mis selling of a motor finance agreement that you made and arises from the commission arrangements which the lender has with the broker who arranged your finance.
2. Please note that we will not pursue any other losses or claims you may have against the dealer or lender, unless agreed by us in writing in advance. Your claim is defined in “What is covered by this contract” set out above.
3. The amount you ultimately receive will be dependent on any offer made to settle your claim, any award made by the Financial Ombudsman Service, or if the claim goes to court then the amount will be decided by the judge.
4. Although the lender will have set parameters for the interest rate to be charged, commonly the broker will have had a discretion to set the interest rate as part of a commission arrangement between the lender and the broker. A higher interest rate results in more commission for the broker and a higher cost to you.
5. We believe this creates a conflict of interest between you and the broker and results in a higher interest charge to you than you would otherwise have paid. The FCA in an investigation into motor finance estimates that such arrangements result in a typical customer with a £10,000 agreement, paying around £1,100 more in interest charges over the term of their agreement.
6. If your Opponent refuses to agree an amicable settlement of your claim then court proceedings may become necessary. You agree that we have a discretion whether court proceedings should be taken or not and may decline to do so where it would be uneconomic to us to do so. We will sign the court papers on your behalf and by instructing us to act on your behalf you agree to us taking this course of action if necessary and you agree to claim damages or other relief on the basis set out above. Signing the court papers involves us giving a statement of truth which is our affirmation that the information you have provided in the court papers are true. This statement of truth is very important and must not be taken lightly. We will discuss this option fully with you before initiating this litigation to take your instructions to proceed or not.
7. In some circumstances we will advise referring your claim to the Financial Ombudsman Service. We will discuss this option fully with you before initiating this claim to take your instructions to proceed or not. We reserve the right to not proceed if we feel the chance of success does not warrant the work involved or the claim is economically unviable. The Financial Ombudsman Service would charge Us an Ombudsman Fee which may render your claim uneconomic for us to pursue. We may refer you to a “Not for profit”
organisation who will assist you in presenting a complaint to the Financial Ombudsman Service. If your complaint is successful, you will pay us for the work we have done whilst this agreement subsisted.
8.Where interest is included as part of the Compensation, the defendant may deduct tax from this and pay it directly to HMRC. Depending on Your personal tax status this tax may be refundable.
You provide express permission for your details to be shared with a third party for the purposes of making an additional claim for reimbursement of any applicable tax. You agree that the cost for this service will be subject to a minimum fee of £99 (inc applicable VAT) of any tax reimbursed.

Time Limits For Claiming

Under English law a claimant usually has a fixed amount of time to bring a claim, after which their claim will expire – this is known as the ‘limitation date’. This date can be extended indefinitely by issuing court proceedings.
The law relating to mis-sold motor finance is still very much new and developing and it is therefore uncertain exactly how much time a claimant has to bring their claim. However, based on the law as it currently stands, we believe that some things you could claim for would need to be brought within 6 years of the start of your agreement and others must be brought within 6 years of the end of the agreement.
Please note that we will not be issuing court proceedings for the purposes of extending the limitation period. If you are concerned about this then you must issue court proceedings yourself.

How Long Will It Take?

Each individual case is different and it’s difficult for us to be able to tell you exactly when your claim will be settled as this very much depends on the attitude adopted by the opponent towards your case. If your claim is a complicated case, there is the potential that it can take longer than a year for it to be settled. However, you can rest assured that we will keep you updated along the way.

Our Charges And Disbursements

Please note that you have the right to bring the claim yourself free of charge without any representation.
We are pleased to confirm that Argutus Legal Limited t/a Clear Motor Claims will be representing you on a no-win-no-fee basis, meaning if the claim is not successful then you will not have to pay anything.
If you win your claim, you pay us our Charges.

Non contentious business agreement

If and only if your claim is resolved without the issue of court proceedings, the amount we charge will depend on the Gross Amount of Compensation awarded, as set out in the table below.

Band	Compensation Awarded	Maximum % Charge	Maximum Charge
1	£1 – £1,499	30%	£420
2	£1,500 – £9,999	28%	£2,500
3	£10,000 – £24,999	25%	£5,000
4	£25,000 – £49,999	20%	£7,500
5	£50,000 or above	15%	£10,000

Gross Compensation being the amount awarded before the deduction of any applicable income tax.
Gross Compensation being the amount awarded including any redress retained by the Lender using their ‘right of set off’ to reclaim any monies owed or remained unpaid on the finance agreement; any redress paid to a third party including collection agencies, insolvency practitioners and debt management companies.
Note: Total compensation means the actual amount of each successful claim before any tax is deducted by the vehicle finance provider and before deduction of fees.

Fees above EXCLUDE VAT.
We will charge the lower of the Maximum Percentage Charge and the Maximum Total Charge. For instance, if you were awarded £1,000 then we would charge £300 (30%). If you were awarded £1,450 then we would charge £420 because 30% of £1,450 is £435, which is higher than our Maximum Total Charge.
We add VAT to our charges at the rate that applies when the work is done (currently 20%). In addition, we will charge an Administration Fee of £30.00 plus VAT (£36.00 in total) for each successful Claim, unless the Success Fee and Administration Fee are together greater than the maximum total fee identified above. The Administration Fee is payable to cover administrative costs associated with your claim, including the cost of payment processing. This Agreement may be executed in one or more counterparts, each of which shall be deemed an original, and all of which, taken together, shall constitute one and the same instrument. Facsimile or electronic signatures shall be deemed valid and enforceable for the purposes of this Agreement.

Ending Our Contract With You

You expressly request and authorise us to begin working on your claim before the end of the statutory cancellation period referred to below. You understand that by giving this authorisation you cease having the right to cancel the contract if our service has been fully performed.
You can end this contract at any time. If you do so after the cancellation period, you agree you will pay us our costs calculated on the assumption that you would have won your claim on the date when you end this contract.

We can end this contract if:

you do not keep to your responsibilities
we believe you are unlikely to win
you reject our opinion about making a settlement with your opponent.

you become insolvent by reason of bankruptcy, entering into a voluntary arrangement.

If we do so after the cancellation period, because you do not keep to your responsibilities you agree you will pay us our charges calculated on the assumption that you would have won your claim on the date when we end this contract. In other words, you will pay us £1,500 + VAT.
If we do so after the cancellation period, because you reject our opinion about making a settlement with your opponent you agree you will pay us our costs calculated on the assumption that you would have won your claim on the date when we end this contract.
If we recommend that you make a complaint to the Financial Ombudsman Service or any financial compensation scheme, this agreement will end as you agree we will not represent you in submitting any such complaint. You agree that you will then pay us our charges calculated in accordance with the non-contentious business agreement basis if you go on to win your claim in recognition of our work done before the end of this agreement. You agree you will immediately inform us if your claim is won.
If you die before your claim is concluded and your personal representatives continue your claim, we will be entitled to be paid in accordance with this contract if your personal representatives go on to win your claim.

People Responsible For Your Work

Mr Asif Timol (Director and a Solicitor) specialising in this area of work will be responsible for your case and if he is not available his secretary will be happy to take any messages for you. However, he may delegate under his supervision certain aspects of your case to other members within his team during the progression of your case. Mr Asf Timol (Director and a Solicitor) will also be responsible for the overall supervision of your case.
We try hard to avoid changing the people who are handling your case, if this cannot be avoided, we will notify you promptly on who will be handling your case (and why the change was necessary) and we reserve the right to allocate other staff to your case where necessary.

Statutory Cancellation Rights

You have the right to cancel this contract and you can do so within 14 calendar days starting from the date on which you receive our email confirming our contract with you. If you wish to cancel your contract with us, you must inform us as soon as possible before the end of this 14-calendar day period. You can inform us of your wish to cancel via telephone, post or email. You may use the attached model cancellation form, but you do not have to.

Our contact details are:

Telephone: 01792 979845
Address: Argutus Legal Limited;7 Tawe Business Village,
Swansea Enterprise Park, Swansea, SA7 9LA
Email: info@clearcutlegal.co.uk

Complaints Procedure

In the first instance, it may be helpful to contact the person who is working on your case to discuss your concerns and we will do our best to resolve any issues at this stage. If matters remain unresolved, then please contact our Complaints Officer, Asif Timol, with the details. The email to contact us is info@clearcutlegal.co.uk

What Will Happen Next?

Step 1 – We will telephone and/or write to you acknowledging receipt of your complaint within 3 days of receiving it. We may ask you at this stage to clarify any aspect of your complaint.
Step 2 – We will then investigate your complaint. This will normally involve your complaint being reviewed by our Complaints Officer, who will speak to the member of staff who acted for you.
Step 3 – Within seven working days, we will be in contact with you by telephone and/or in writing to set out this firm’s preliminary position in relation to your complaint and address any appropriate solutions.
Step 4 – If the matter is not yet resolved, we will send you within 14 days a detailed written reply to your complaint (on the assumption there is more detail to give over and above step 3 above) including suggestions for resolving the matter and including inviting you to a meeting if preferable.
Step 5 – At this stage, if you are still not satisfied, you should contact us again and we will arrange for a review of the decision.
Step 6 – We will write to you within 14 days of receiving your request for a review, confirming our final position on your complaint and explaining our reasons.

In the unlikely event that we cannot resolve your complaint; you may wish to raise your matter with the Legal Ombudsman. You have six months (subject to some qualifications below) from the date of our final response in which to complain to the Legal Ombudsman:

Legal Ombudsman
PO Box 6806
Wolverhampton
WV1 9WJ
Telephone: 0300 555 0333 9am to 5pm Monday to Friday
Email: enquiries@legalombudsman.org.uk
Website: www.legalombudsman.org.uk

As of 1st April 2023, the time periods for reporting a complaint to the Legal Ombudsman is no longer than:

Within six months of receiving our final response to your complaint and
No more than one year from the date of the act or omission being complained about; or
No more than one year from the date when you should reasonably have known that there was cause for complaint.

In the highly unlikely event that you need to make a complaint, and your complaint is not about our service, but is about our conduct, the SRA (Solicitors Regulation Authority) deals with conduct issues rather than the Legal Ombudsman which deals with service issues. You can visit the SRA’s website here to see how you can raise concerns with them.

Miscellaneous Matters

If we cease acting for you, there may be circumstances in which we may be entitled to exercise a lien for unpaid costs. Prior to exercising a lien, we would always try to ensure that your position is not prejudiced.
As part of our ongoing commitment to client care, our files are confidentially audited from time to time by an external independent auditor. If you do not wish for your files to be audited, please let us know.
After completing your case, we are entitled to keep all your papers and documents while there is money owing to us for our charges and expenses. We will archive our file of papers (except for any of your papers, which you ask to be returned to you) for six years, after which they will be destroyed unless you specifically request us to keep any documents safe and for which we may levy a charge.
Specifically, we will not release your archived file of papers to you or another firm of solicitors prior to payment of a charge for the cost of storage and retrieval which will be a minimum of £30 plus VAT.
We are required by our regulator to hold professional indemnity insurance.
Our professional indemnity insurance provides cover on a UK basis and is underwritten by Pen Underwriting.
This contract, and any claim or dispute arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims), will be governed by and construed in accordance with the law of England and Wales and the courts of England and Wales will have exclusive jurisdiction to settle any such claim or dispute.
Please note that at times we may contact you by telephone to discuss your case. We will use the contact number you have provided for this purpose. If you are concerned about data protection and would like us to ask any security questions when calling you then please let us know so that we can mark your file accordingly.

For further information on how we process your data, please refer to our Privacy Policy located at https://www.clearcutlegal.co.uk/privacy-policy/

Argutus Legal Ltd Trading as Clear Motor Claims – Company Registration Number: 13513841, VAT Registration Number: 399973992. 7 Tawe Business Village, Swansea, SA7 9LA
This firm is Authorised and Regulated by The Solicitors Regulation Authority – No. 827827

Effective Date: Wednesday, 1 Aug 2025

Introduction

TAL Marketing Group Ltd (“we”, “us”, “our”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and store your information when you use our services, in compliance with UK GDPR and other applicable laws.

TAL Marketing Group Ltd is an appointed representative of Creative Finance Corp LTD under reference FRN 968428.

Data Controller

TAL Marketing Group Ltd is the data controller responsible for your personal data. Our registered address is:

Work.Life, Core, Brown Street, Manchester, M2 1DH

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us:

Email: hello@leadly.co.uk
Phone: 01617 061 710

What Data We Collect About You

We may collect, use, store, and transfer the following types of personal data:

Basic Personal Data: Name, date of birth, address, email address, phone number.
Financial Data: Information about your lender, product type, loan balance, and credit profile for credit search purposes.
Aggregated/Analytical Data: Non-personal data used for internal reporting and business analysis.

We do not collect any special category data (e.g. health, ethnicity, religious beliefs).

How We Collect Your Data

We collect your personal data from:

Direct Interactions: When you complete forms on our website or contact us directly.
Partners: Such as regulated entities, when they request credit search services on your behalf.
Credit Reference Agencies: We obtain credit search results from Equifax and TransUnion.

How We Use Your Personal Data

We will only use your personal data when permitted by law. Most commonly, we will use your personal data for the following purposes:

Purpose/Activity	Type of Data	Lawful Basis
To conduct credit searches via Equifax and TransUnion	Basic Personal Data, Financial Data	Consent: You provide explicit consent for us to conduct the credit search.
To share credit search results with partners	Basic Personal Data, Financial Data	Legitimate Interests: To provide our services in brokering credit search results to partners.
To comply with legal obligations (e.g. FCA rules)	Basic Personal Data, Financial Data	Legal Obligation: Required by applicable financial services regulations.
To analyse and improve our services	Aggregated/Analytical Data	Legitimate Interests: Business analysis and service improvement.

Marketing, Advertising, and Promotions

We may send you marketing communications (email/SMS) about our services and similar products. You can opt out of receiving these communications at any time by following the unsubscribe link in our emails or by contacting us directly.

Cookies

We use cookies on our website to enhance your experience and to analyse usage. For more information, please refer to our Cookie Policy or contact us.

Sharing Your Personal Data

We may share your personal data with the following recipients:

Company Name	Company Details	Processing Activity
Equifax Limited	Company number: 2425920 Registered office: 1 Angel Court, London, EC2R 7HJ.	To conduct credit search services to assess your claim eligibility.
TransUnion International UK Limited	Company number: 04968328 Registered office: One Park Lane, Leeds, West Yorkshire, LS3 1EP.	To conduct credit search services to assess your claim eligibility.
IT Service Providers	UK & EEA	To host and support our IT infrastructure.

We permit TransUnion to contact you directly to assess how effective our explanation of how your data is used is, and to assess your satisfaction with our services.

You have the right to object to any direct contact from TransUnion regarding satisfaction surveys by contacting us using the details provided in this policy.

Credit Reference Agency Information Notice (CRAIN)

If you’d like to understand how credit reference agencies use and share personal data (including the legitimate interests they pursue), please read the Credit Reference Agency Information Notice (CRAIN): https://www.equifax.co.uk/privacy-hub/crain

International Transfers

We do not transfer your personal data outside the UK or EEA.

Data Security

We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorised way. Access to your personal data is limited to those employees, agents, and partners who have a business need to know.

Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, or reporting requirements.

Your Rights

Under data protection laws, you have the right to:

Access: Request a copy of your personal data.
Rectification: Request correction of any incomplete or inaccurate data.
Erasure: Request deletion of your personal data in certain circumstances.
Restriction: Request restriction of processing in certain circumstances.
Objection: Object to processing where we rely on legitimate interests (including profiling).
Withdrawal of Consent: Where we rely on consent (e.g. credit search), you may withdraw it at any time.
Data Portability: Request transfer of your data to another party.

Contacting Us

If you have any questions about this Privacy Policy, please contact:

TAL Marketing Group Ltd
Work.Life, Core, Brown Street, Manchester, M2 1DH
Email: hello@leadly.co.uk
Phone: 01617 061 710

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) if you believe we have not complied with applicable data protection laws.

Important Information And Who We Are

Our website address is: https://clearmotorclaims.com/.

Purpose Of This Privacy Notice

Welcome to Clear Motor Claims privacy notice. Clear Motor Claims respects your privacy and is committed to protecting your personal data. This privacy notice will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you. Please use the Glossary to understand the meaning of some of the terms used in this privacy notice.

This privacy notice aims to give you information on how Clear Motor Claims collects and processes your personal data through your use of this website, including any data you may provide through this website when you purchase a product or service. This website is not intended for children and we do not knowingly collect data relating to children. It is important that you read this privacy notice together with any other privacy notice or fair processing notice we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. This privacy notice supplements the other notices and is not intended to override them.

Controller

Clear Motor Claims is the controller and responsible for your personal data (collectively referred to as “Clear Motor Claims”, “we”, “us” or “our” in this privacy notice). We have appointed a data privacy manager who is responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact the data privacy manager using the details set out below.

We will disclose personal data to our partners TAL Marketing Group for the provision of credit report information which may include Equifax Ltd, and TransUnion. If you’d like to understand how the credit reference agencies use and share personal data (including the legitimate interests they pursue) please read the Credit Reference Agency Information Notice (CRAIN) http://www.transunion.co.uk/crain; https://www.equifax.co.uk/crain;

You consent to us sharing your Title, Name, Address, Date of Birth and Addresses with TAL Marketing Group for the purposes of obtaining your credit report and verifying your eligibility to claim, in accordance with TAL Marketing Group’s Privacy Policy. These checks will not affect your credit score.

Contact Details

Our full details are:

Full name of legal entity: ARGUTUS Legal Limited

Clear Motor Claims is a trading name of ARGUTUS Legal Limited.

Authorised And Regulated By The Solicitors Regulation Authority – Number 827827.

Name of data privacy manager: Jonathan McCarthy

Email address: info@clearcutlegal.co.uk

Postal address: Clear Cut Legal, First Floor, 7, Enterprise Park, Tawe Business Village, Bon-y-maen, Swansea SA7 9LA

Telephone number: 01792 979845

Complaints

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

Changes To The Privacy Notice And Your Duty To Inform Us Of Changes

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Third Party Links

This website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.

The Data We Collect About You

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data). We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

Transaction Data includes details about payments to and from you and other details.

Identity Data includes first name, maiden name, last name, username or similar identifier, marital status, title, date of birth and gender.

Contact Data includes billing address, delivery address, email address and telephone numbers.

Financial Data includes bank account and payment card details.