Privacy Policy

Toyota (GB) Plc of Great Burgh, Burgh Heath, Epsom, Surrey KT18 5UX are the Data Controller and responsible for the processing of your personal data for the purposes listed below. For full details on how we use your data and your rights, visit our Privacy Policy.

Requesting a Test Drive, Brochure, Get a Quote, booking a service or Contact Us
When you contact us with a request for test drive, quotation, brochure, appointment or any other request for information on Toyota/Lexus products, services or apps via our Toyota/Lexus website or a Toyota/Lexus application, the following rules will apply:
Your Data – We will only collect data that is required to fulfil your specific request. This may include your name, address, email address and telephone number. The forms you completed are designed to only capture the required information to fulfil your request.
Sharing your data – Your data will not be shared with any other company, except for Dealers, when they are required to fulfil your request or if you provided permission. When this happens, we will forward your details to your nearest Dealer. We also use trusted third parties to deliver services on our behalf.
Keeping your data – We will only use your data for fulfilling your request, if you have not separately consented to receiving personalised communications from us, you won’t receive any.
Marketing Communications – Only with your consent If you provide consent to marketing on our website forms or at an Dealership, we will process your data to send you:
• Reminders – related to your vehicle and to renew any services we offer that expires.
• Offers and Events – information related to our latest products and services, which could be relevant for your vehicle or mobility.

• Surveys - send you requests to participate in surveys we undertake with respect to you, your Toyota vehicle and/or the Toyota products and services, which we may follow up on.

How long we retain your data At Toyota (GB) Plc we only retain your data for as long as required by law or where we have an appropriate business justification. Your consent to marketing is not taken as consent to market to you forever, so if we feel you’re not engaging, we do not take your consent for granted and will supress you after a threshold is reached. You have the opportunity to unsubscribe from our communications at any point by contacting us directly, unsubscribing or completing our unsubscribe form. We will either remove you when the retention period has reached or on request.
Is the data shared with anyone? We only share your data with Dealers, providers of services for things such as warranties, insurance, financial services and we also use third party hosted systems to enable us to deliver our services effectively.
Toyota Motor Insurance (TMI) – Your data will be passed to TMI if you decide to have insurance with them. They operate as a separate Data Controller and you should view their privacy policy to understand how your data is processed by them.
Toyota Financial Services (TFS) – If you complete a financial agreement or request a quotation with Toyota, this is delivered by Toyota Financial Services. This includes all Financial services on the Toyota (GB) Plc website. They operate as a separate Data Controller and you should view their privacy policy to understand how your data is processed by them.
Toyota Motor Europe (TME) – When you provide your permission to personalised marketing communications we share your information with TME, as they provide system support to us and allow us to manage your preferences. TME also manage certain systems on our behalf, request certain business-related information from us to undertake European wide analysis of our customers experience and satisfaction.
Third Party System Providers – We also use approved third-party system providers who help us deliver our services, such as manage your preferences, help us communicate to our customers and understand our demographics and customer preferences better. We ensure that there are contracts in place with these Data Processors that include appropriate security and privacy contractual clauses and controls to protect your personal data.
Data Processed outside of the European Economic Area (EEA)
Your personal data will be processed outside of the EEA, as we use Salesforce Marketing Cloud, which is hosted in the United States of America. To ensure we have adequate safeguards in place we have signed up to standard contractual clauses on the processing of your personal data.
Want to know more?
If you would like to know any more information with regards to this privacy notices or have any queries or questions in relation to how we process your personal data then please don’t hesitate to visit our Privacy Policy, contact our Data Protection Officer at privacy@tgb.toyota.co.uk or alternatively by post you can write to Data Protection Officer, Toyota (GB) PLC Great Burgh, Burgh Heath, Epsom, Surrey KT18 5UX. You should note that we may change this privacy policy without notice. Please check back frequently to see any updates or changes made to this statement

Toyota (GB) Plc, which also includes Lexus UK respects your privacy. Whether you deal with Toyota (GB) Plc as a customer, a consumer, a member of the general public, a partner, supplier or staff member, you are entitled to the protection of your Personal Data.
In this Privacy Policy (“Policy”) we describe how we collect, process, share and protect your data. We also describe why we process your personal data and the associated choices and rights you have with regards to your personal data.
This Policy applies to all the processing of your Personal Data across the services we deliver at Toyota (GB) Plc and all of the different platforms we use to deliver those services such as online applications, websites, portals, sales and marketing activity and social media platforms. Data captured and processed at a Toyota Dealership is managed separately, which is further described below.
We’ve taken a layered approach to inform you how we deal with your data, as we recognise it can all be a little confusing at times. Therefore, this Policy is accompanied with privacy notices, which provide you with more specific and concise information on that particular area.
These privacy notices will be communicated to you whenever we need to process your personal data, which could also be via a link to a privacy notice or privacy policy.
Capitalised terms refer to standard terms set out in within the General Data Protection Regulation (GDPR).
WHO IS RESPONSIBLE FOR THE PROCESSING OF YOUR PERSONAL DATA?
Toyota (GB) Plc of Great Burgh, Burgh Heath, Epsom, Surrey KT18 5UX is the Data Controller and responsible for the processing of your data.
However, please not that we also process your data, dependant on your relationship with us, to different data controllers, which form part of the Toyota Group but are separate legal entities and will have their own processes and procedures for handling your data. See Data Controllers Section
WHO CAN YOU CONTACT IN CASE YOU HAVE QUESTIONS OR REQUESTS?
Toyota (GB) Plc has appointed a Data Protection Officer (DPO) who is available to handle any questions or queries you may have relating to the processing of your data, this Policy and associated Privacy Notices.
The DPO can be contacted at privacy@tgb.toyota.co.uk or alternatively by writing to the Data Protection Officer, Toyota (GB) PLC Great Burgh, Burgh Heath, Epsom, Surrey KT18 5UX.

At Toyota (GB) Plc we process your data based on the lawful grounds listed below:
• You have given us your consent for the purposes of the Processing (as described in the privacy notice related to that particular Processing). For the avoidance of doubt, you will always have the right to withdraw your consent at any time; or
• It is necessary for the performance of a contract to which you are a party or in order to take steps at your request prior to entering a contract; or
• With such Processing, we pursue a legitimate interest that is not outweighed by your privacy rights. Such legitimate interest will be duly communicated to you in the privacy notice related to that particular Processing; or
• It is required by law.

THE DATA WE COLLECT AND FOR WHICH PURPOSES
We collect information directly from you when you:
• choose to participate in our offers and programs;
• create an account on our websites or in our mobile applications;
• call or email us, or otherwise provide information directly to us;
• interact with us in social media.

The processes we have in place and data we process can include;
Requesting a Test Drive, Brochure Request, Valuation and forms completed on our websites means that data is often shared between Toyota entities such as your local dealership, to provide you with the best possible products, services and offers, based on your requirements and preferences, this includes:
• Identification data
• Personal identifying information: name, title, address (private and/or professional), previous addresses, telephone number (residential, business), e-mail address, nationality
• Personal characteristics: age, gender, date of birth, place of birth, occupation, marital status and nationality
• Vehicle information: current and previous brand and type of vehicle, Vehicle Identification Number, Number plate, selected optional equipment, purchase, rental or leasing, etc.
• Lifestyle: details on the consumption of goods or services, behaviour of the individual or his/her family, social contacts, complaints, incidents or accidents, use of media and means of communication, incl. Facebook account, Twitter account, Linked-in account, Instagram…
• Household Composition: Marriage or present form of cohabitation, name of the spouse or partner, details of other members of the family or household.
• Hobbies and interests: Leisure activities and interests: hobbies, sports and other interests.
• Affiliations: Affiliations to charitable or voluntary organisations, motability, clubs, associations and groups.
• Marketing Preferences: We will often ask whether you would be interested in the latest news, offers, reminders, events and surveys via email, postal, SMS and telephone communications.

When we need to verify your ID or driver’s licence (e.g. test drives, replacement car) data that will be collected from you can include:
• IDs assigned by us, types of formal identification data such as passport, driving license and utilities bill
• Such data will only be used for the specified purpose at the point of collection

When interacting with Toyota through online channels (e.g. website) the following information can be captured (in accordance with the cookies policy):
• Electronic identification data, IP addresses, cookies, session cookies, your behaviours and usage of our website.

For connected and autonomous car services the following data can be collected:
• Electronic data location: GSM, GPS.

When purchasing or applying for financial service offering or insurance (including online), the following data can be collected;
• Financial features (only in relation with financial services offerings): Income/possessions of Data Subject and his/her partner, solvency, assessment of income, financial status, credit rating, details relating to insurance, professional activities of the data subject and their partner, conventions and agreements.
• Housing characteristics: Address of housing, housing type, own house or leased, length of stay at this address, rent, charges, classification of housing, valuation details, names of key holders.

When corresponding with you through our call centres o (e.g. for customer queries) we might record the calls in order continuously improve the quality of our services:
• Sound recordings: Recording on tape, call recording.

For special events (e.g. reveal of new car) Toyota might take picture – with your permission – photos and videos of you:
• Image recordings: Films, photographs, video recordings, digital photos.

At Toyota (GB) Plc we only retain your data for as long as required by law or where we have an appropriate business justification.
For further information on how long Personal Data is likely to be kept before being removed from our systems and databases, please contact us via email at privacy@tgb.toyota.co.uk or alternatively by writing to the Data Protection Officer, Toyota (GB) PLC Great Burgh, Burgh Heath, Epsom, Surrey KT18 5UX.

PROTECTING YOUR PERSONAL DATA
We have implemented a set of technical and organisational security measures to protect your Personal Data against unlawful or unauthorised access, use of modification, in addition to protection against accidental loss or damage
Your Personal Data will only be processed by a third-party Data Processor if that Data Processor agrees to comply with a set of agreed contractual clauses, in addition to appropriate technical and organisational security measures.
Have appropriate security means ensuring controls are in place to protect the confidentiality, integrity and availability of your Personal Data:
• Confidentiality: we will protect your Personal Data from unwanted disclosure to third parties.
• Integrity: we will protect your Personal Data from being modified by unauthorised third parties.
• Availability: we will ensure that authorized parties are able to access your Personal Data when needed.

We use cookies on our websites. This helps us to provide you with a better experience when you browse our website and also allows us to make improvements to our site.
We’ve put together specific information on how we process cookies in a policy document for you, which is available here.

DISCLOSURE OF PERSONAL DATA
Depending on the purposes for which we collect your Personal Data, we may disclose it to the following categories of recipients, which will then process your Personal Data only within the framework of these purposes:

Within our organisations and our brand environment:
• Our authorised staff members;
• Our affiliates and subsidiary companies;
• Members of our Authorised Dealerships and Authorised Repairers network which you have indicated as preferred Authorised Dealerships or Authorised Repairers or which are located near you (based on your postcode, address) or which you have been in contact with;
• Toyota Motor Insurance (TMI) – Your data will be passed to TMI if you decide to have insurance with them. They operate as a separate Data Controller and you should view their privacy policy to understand how your data is processed by them.
• Toyota Financial Services (TFS) – If you complete a financial agreement or request a quotation with Toyota, this is delivered by Toyota Financial Services. This includes all Financial services on the Toyota (GB) Plc website. They operate as a separate Data Controller and you should view their privacy policy to understand how your data is processed by them.
• Toyota Motor Europe (TME) – When you provide your permission to personalised marketing communications we share your information with TME, as they provide system support to us and allow us to manage your preferences. TME also manage certain systems on our behalf, request certain business-related information from us to undertake European wide analysis of our customers experience and satisfaction.
Third Party System Providers – We also use approved third-party system providers who help us deliver our services, such as manage your preferences, help us communicate to our customers and understand our demographics and customer preferences better. We ensure that there are contracts in place with these Data Processors that include appropriate security and privacy contractual clauses and controls to protect your personal data.

Third party business partners:
• Advertising, marketing and promotional agencies: to help us deliver and analyse the effectiveness of our advertising campaigns and promotions;
• Business partners: for example, trusted companies that may use your Personal Data to provide you with the services and/or the products you requested and/or that may provide you with marketing materials (provided that you have consented to receiving such marketing materials). We ask such companies to always act in compliance with applicable laws and this Policy and to pay high attention to the confidentiality of your personal information;
• Service providers of Toyota (GB) Plc: companies that provide services for or on behalf of Toyota (GB) Plc, for the purposes of providing such services (for example, Toyota (GB) Plc may share your Personal Data with external providers of IT related services);

Other third parties:
When required by law or as lawfully necessary to protect Toyota (GB) Plc:
• To comply with the law, requests from authorities, court orders, legal procedures, obligations related to the reporting and filing of information with authorities, etc.;
• To verify or enforce compliance with Toyota (GB) Plc’s policies and agreements; and
• To protect the rights, property or safety of Toyota (GB) Plc and/or its customers;
• In connection with corporate transactions: in the context of a transfer or divestiture of all or a portion of its business, or otherwise in connection with a merger, consolidation, change in control, reorganisation or liquidation of all or part of Toyota (GB) Plc’s business.
Please be aware that third party recipients listed under points b) and c) above – especially service providers who may offer products and services to you through Toyota (GB) Plc services or applications or via their own channels – may separately collect Personal Data from you. In such case, these third parties are solely responsible for the control of such Personal Data and your dealings with them will fall under their terms and conditions.

If you purchase a car or another product or service from one of our Authorised Dealerships or Authorised Repairers or if you give them your personal information, you will have a separate relationship with this Authorised Retailer or Authorised Repairer. In this case, they become the Data controller of your Personal Data, possibly together with us. For all questions or requests about the collection and use of your Personal Data by one of the Authorised Dealerships or Authorised Repairers, please contact them directly.

How is your preferred Authorised Retailer or Authorised Repairer identified?
The preferred Authorised Retailer or Authorised Repairer is chosen either by option you’ve chosen via the settings of your MyToyota account (which you can change at any time) or if you did not make a selection, we will identify an Authorised Retailer or Authorised Repairer based on location (the nearest to you based on your postcode, address) or based on the history of your contacts with our network.

If you use on a Toyota (GB) Plc tool (website, portal, blog) a specific login from your own social media (for example, your Facebook account), Toyota (GB) Plc will record your Personal Data available on this social media and your use of such social media means that you have explicitly allowed the communication of your Personal Data recorded by Toyota (GB) Plc through its tool.
Toyota (GB) Plc sometimes facilitates the publication of (personal) data via social media such as Twitter and Facebook. All forms of social media have their own terms of use, which you need to take into account when active on social media. We remind you that publication on social media may have certain consequences, including for your privacy or for the privacy of persons whose Personal Data you share. You are fully responsible for your publications and Toyota (GB) Plc will not have any responsibility and liability in this regard.

Your Personal Data will be transferred to recipients which may be outside the EEA, and will be processed by us and these recipients outside the EEA.
When your Personal Data is transferred to countries outside the EEA that do not generally offer the same level of data protection as in the EEA, Toyota (GB) Plc will implement appropriate specific measures to ensure an adequate level of protection of your Personal Data. These measures can for instance consist of agreeing with recipients on standard contractual clauses which provide an adequate level of protection.

We want to be as transparent as possible with you, so that you can make meaningful choices about how you want us to use your Personal Data. To exercise your Rights under Data Protection Law, please use the DPO Contact Details.

Your choices on how you want to be contacted and withdrawing consent
You can make a variety of choices about how you want to be contacted by us, through which channel (for example, email, mail, SMS, phone), for which purpose and how frequently, by adjusting the privacy setting on the relevant device or updating your user or account profile or by following the unsubscribe instructions included in the communication.

Your Personal Data and Right to Access
You have the right to find out what Personal Data we have concerning you and its origin. Under certain conditions, you have the right to receive your Personal Data, which you have provided to us, in a commonly used, structured machine-readable format and to transmit your Personal Data to any third party of your choice. This can be done by providing details of your request to us, using the contact details provided.

Your corrections and Right to Rectification
If you find any mistake in your Personal Data or if you find it incomplete or incorrect, you may also require from us that we correct or complete it. This can be done by providing details of your request to us, using the contact details provided.

Your restrictions and right to Restriction of Processing
You have the right to request a restriction on the Processing of your Personal Data (for example, while the accuracy of your Personal Data is being checked). This can be done by providing details of your request to us, using the contact details provided.

Right to Object to Processing
You may also object to the use of your Personal Data for direct marketing purpose (if you prefer, you can also indicate to us through which channel and how frequently you prefer to be contacted by us) or to the sharing of your Personal Data with a third party for the same purpose.
Opting Out - You may withdraw your consent at any time to the continued Processing of the Personal Data that you have provided to us by unsubscribing to an email, changing your preferences in your account, visiting our Opt-Out form or by contacting our Data Protection Officer.

Your Right to Erasure
You may want us to erase your personal data and you are able to request this by providing details of your request to us, using the contact details provided. We will assess your request and either explain to you the reasons we are still required to retain your data, which will be due to a legal requirement or business justification to keep your data. If we are able to erase your data we will inform you of the outcome.

Your Right to Data Portability
You have the right to request that data you have provided is sent to you in a structured, commonly used and machine-readable format and have the right to transmit that data to another organisation. This can be done by providing details of your request to us, using the contact details provided.

Your Right to lodge a complaint
If you wish to make a complaint then we would encourage you to initially contact our Data Protection Officer. However, you also have the right to lodge a complaint directly with the relevant supervisory authority, which for Toyota GB (PLC) and the United Kingdom is the Information Commissioners Officer (ICO) whose contact details are:
Postal Address:
Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
Email: casework@ico.org.uk
Live Chat: https://ico.org.uk/global/contact-us/live-chat
Online Form: https://ico.org.uk/global/contact-us/email/
Telephone: 0303 123 1113

Please note: When you make contact with the ICO, they are responsible for the data you provide to them, the security of that information and ongoing management of that data.

The ICO are also a public authority meaning that all the written material they hold, including any correspondence you send to them, may be considered for release following a request to them under the Freedom of Information Act, unless the information is exempt.

We may occasionally make alterations to this page, which will reflect how we process and look after your date. This is to ensure our commitment to being transparent with you, protecting your information and upholding your Rights. If significant changes are made to this Policy or the way in which we process your personal data, we will draw your attention to this either through updates to this Policy on our website, through our service lines or by another means of communication such as email. The online version of this Policy is also subject to version control and we are able to provide specific versions if required. This allows you to assess the changes and make an informed decision on how your data is processed.

About this privacy policy
Toyota Financial Services (UK) PLC will be referred to as “we” “us” or “our”
We are committed to protecting the privacy and security of personal data.
This privacy policy gives you information as to why, how and what we do when you provide or we collect, use, share, process, transfer and store personal data. This policy applies when you contact or deal with us in all situations where you give or we collect your personal data. In particular, when you receive our services or purchase our products.
It is important that you read this privacy policy 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 any other notices and is not intended to override them.
We may update or amend this policy at any time.

About personal data
‘Personal data’ is also referred to as ‘personal information.’ It is any information about a person that identifies that person or enables that person to be identified. Personal data is not data or information where the identity of a person has been removed, this is anonymous data.
Because we will determine the purposes, means of use and processing of your personal data, under data protection law we are a data controller. If we use and process any personal data that relates to and is about a person, under data protection law that person will be a data subject.
If you fail to provide personal data when we need it we may not be able to perform the contract we have or are trying to enter into with you, or we may be prevented from complying with our legal obligations. As a result, we may have to cancel a product or service you have with us, we will notify you under these circumstances.
If you provide personal information about another person, for example about a person who is a joint product holder or beneficiary or a person who has agreed to indemnify or guarantee your performance under a contract, you must have permission from the other person to provide it.
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.

About us and what we do
Toyota Financial Services (UK) PLC is a public limited company registered in England and Wales (Company number: 02299961). Its registered address is: Great Burgh, Burgh Heath, Epsom, Surrey KT18 5UZ
We offer and provide finance products and solutions to our customers, primarily in relation to the sale of Toyota brand vehicles and Lexus brand vehicles.
We operate under and using our primary trading names ‘Toyota Financial Services’ and ‘Lexus Financial Services.’
Our finance products are for new and used vehicles, and for private customers and business customers. Examples of the types of finance products we offer are:

• Personal Contract Purchase (referred to as PCP),
• Contract Hire,
• Hire Purchase,
• Lease Purchase.

• GAP insurance (guaranteed asset protection insurance),
• SMART insurance (small motor accident repair technology).

• Through the Toyota and Lexus franchised vehicle dealership network, and
• Online, via our website and apps and the websites and apps of other authorised persons.

1. With your written consent.
2. Where we need to carry out our legal obligations.
3. Where it is needed in the public interest, or if you are a vulnerable customer, or for equal opportunities monitoring and in line with this Privacy Policy.

• From you when we are in direct contact with you and from other relevant people such as a person who is a joint product holder or a person who provides indemnity, guarantees or who benefits from the product or service that we provide.
• When you contact us or inquire about, apply for or take a product or service of ours.
• When you create an account with us.
• When you subscribe to a service or publication of ours.
• When you request marketing or other communications to be sent to you.
• From a service provider, interested party or intermediary who facilitates the provision or delivery of our product or service.
• From the Toyota and Lexus franchised vehicle dealership network or from other relevant companies within the Toyota group of companies if you receive a product or service from them, currently or in the past.
• From other sources that are relevant to our products or services including Credit Reference Agencies, HM Revenue & Customs, law enforcement and detection agencies including the Police service, Fraud Prevention Agencies, debt recovery agents and publicly available resources such as those that are available on the internet

1. Performance of contract: where we need to take steps
to enter into or to perform a contract we have entered into with you.
2. To comply with legal or regulatory obligations: where we need to comply with a legal or regulatory obligations or guidance.
3. Legitimate interest: where it is necessary for legitimate interests pursued by us or a third party and your interests and fundamental rights do not override those interests.

1. Where we need to protect your interests (or someone else's interests).
2. Where it is needed in the public interest.

• To assess, process, manage and administer your inquiry or application for a product or service.
• To register you as a new customer or user of our product or service and to register other relevant people such as indemnifiers, guarantors and beneficiaries.
• For assessing your creditworthiness, credit score and whether the finance product is suitable and affordable for you.
• To enter into, perform, manage, administer and enforce any product or service including any related contract.
• To share your personal data with our service providers and partners, other Toyota group companies and the Toyota and Lexus franchised vehicle dealership network during the application process or during any contract for any product or service.
• To manage your account and assist you about any matters when you contact us.
• To manage payments of fees and charges.
• To notify you about changes to all applicable terms of supply or use, and our privacy policy or specific privacy notices.
• To update your records and details and to locate and contact you about matters concerning your product or service.
• For automated decision making and profiling as part of your application for a product or service.

• For statistical and market analysis and research.
• To trace and collect money owed to us.
• For pre-approval of further credit.
• For insurance related matters.
• To verify your identity and the accuracy of the data you provide.
• For training and quality assurance.
• To update your records and details and to locate and contact you about matters concerning your product or service.
• To administer and protect our business and business systems and website and apps including trouble shooting, data analysis, testing and security.
• To analyse, enhance and improve our products, services, systems and processes.
• To refer to and conduct checks and searches with fraud prevention agencies and credit reference agencies during your application and from time to time when we are providing the product or service.
• To share your personal information with people or other relevant bodies to support our business systems and processes or to comply with legal or regulatory requirements.
• To monitor, check and record communications between you and us or our agents.
• To facilitate, support and administer our internal systems and procedures such as complaints handling, governance and reporting.
• Requesting that you leave a review or take and complete a survey.

• For compliance with legal and regulatory requirements.
• To prevent and detect crime, fraud and money laundering.
• Requesting that you leave a review or take and complete a survey.

• Relevant Toyota group companies.
• The Toyota and Lexus franchised vehicle dealership network.
• Our service providers who fulfil or support our products and services systems (including IT systems) and processes, or who analyse and improve our products and services and related systems and processes.
• Our business and product partners.
• Professional advisers.
• Official bodies and regulators including the Financial Conduct Authority (FCA), HM Revenue & Customs (HMR&C), the Information Commissioner’s Office (ICO).
• Law enforcement and detection agencies including the Police service.
  Personal data is also shared with credit reference and fraud prevention agencies, please see the ‘Credit reference and fraud prevention agencies’ section below.

• The destination country has been deemed to provide an adequate level of protection for personal data by the European Commission.
• The service provider is bound by relevant and specific contractual obligations.
• If a transfer is to the USA, that the service provider is part of the US Privacy Shield which requires similar protection to personal data shared between the Europe and the USA.

• The duration of the purposes that we collected it for, importantly the duration that we are obliged to provide the relevant product or service.
• Fulfilling, managing and concluding our relationship with you.
• The time periods within which we have rights to claim against and pursue you and the time periods within which you have the right to claim against and pursue us.