The information you provide is subject to EU General Data Protection Regulation. In accepting our terms of service, you consent that we may process your personal data for the purposes of arranging vehicle finance and insurance products. The word “Processing” includes obtaining, recording and holding information about you, your partner and your family finances; we obtain that information directly from you, and from third parties who you authorise to provide information. You provide information through our computer or paper application process, in your telephone conversations with us, and by letters and emails you send us. We record this information on paper files and our computer databases. We also record electronically our telephone conversations with you. You may also provide us with copies of documents about your financial affairs which we retain. e.g. wage slips, bank statements, copies of identification, etc. We also collect information from third parties about you, in paper and computer forms. e.g. information from car dealers about the car you are purchasing, information from credit reference agencies.
Primarily, we use your data and data about your family’s circumstances to arrange vehicle finance and insurance products on your behalf. The collection of data is necessary for us to perform our contractual responsibilities to you; i.e. the provision of the services you have requested. If you limit the information you provide to us, or decline to answer certain questions, then we may not be able to help you.
When we undertake our research, or when we arrange finance or insurance for you, we will pass some of your information to the chosen finance provider or insurance company. These companies ask for your information in the form of an application document (which could be electronic). They will ask for other supporting data relevant to your transaction and copies of your identification documents. These product providers may administer your arrangements and provide services from centres outside Europe (e.g. India, USA); these countries may not always have the same standard of Data Protection laws as the UK and EU. However, the providers of these services are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under GDPR even when your personal information is processed outside Europe.
“Processing” your data also includes transferring your data to other companies and agencies associated with us, who are part of the process. Those companies and agencies could be: (1) product providers - as explained above; (2) Credit reference agencies and lenders who provide background financial information about you; (3) the FCA, the FOS, the police, or any other statutory, governmental or regulatory body – if they request to see our files or you make a complaint; (4) solicitors and debt collection agencies – if we are involved in a dispute with you; (5) third-party suppliers who provide services to us for quality control purposes and administration. e.g. business processing services, SMS text update services, client database systems, or compliance and regulatory advice services; (6) Our account managers who work with the motor dealers (7) motor dealers who are arranging the purchase of your vehicle. You agree that relevant personal information held by ourselves may be disclosed on a confidential basis, and in accordance with regulations, to any such parties. Under the rules of the EU GDPR, we are classed as the “data controller”, and we must fulfil certain legal responsibilities to you. By sharing your data with other organisations there will be multiple “data controllers” involved in the process who must equally fulfil these responsibilities to you.
We will not contact you (or pass your details to other companies associated with us) with details of any other similar products, promotions, or for related marketing purposes.
The information you provide may also contain “special personal data.” This is defined as information about your health (or that of your family), any information related to your ethnic origin, criminal offence data, political opinions, religious or philosophical beliefs, sexual orientation, or your membership of a Trade Union. e.g. During our telephone conversations, you may tell us about your state of health.
We will retain your data for the purposes of providing our services, and for future administration. We will also retain your data according to the statutory requirements for regulated products. This will be held for the duration of any credit agreement. If you want details of the statutory retention periods for various products, please contact us and we will obtain the latest legal position on your behalf. If you wish us or any company associated with us to cease processing your personal data or special personal data, please contact The Data Protection Officer at our office address.
Steps will be taken to ensure that the information we hold is accurate, kept up to date and not kept for longer than is necessary. We will correct any information when you tell us that we hold inaccurate data. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss, destruction or damage to the data. Subject to certain exceptions, you are entitled to have access to your personal data held by us, and this will normally be free of charge. You would only be charged a fee to provide further copies of the same information already provided, or if your request is unfounded, excessive or repetitive. (The fee will be based on the administrative cost of providing the information.)
You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for legitimate purposes we have described.
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Further details explaining how the information held by fraud prevention agencies may be used ,can be obtained by calling the lender's Customer Services Team.
Reports from CIFAS relating to fraud and fraud avoidance are also available to most lenders – these contain information indicating that fraud, or attempted fraud, has been notified by a lender. The information might not directly relate to you, it might relate to someone who has tried to impersonate you. Data available to members of CIFAS, may also be used to help make decisions on motor, household, credit, life and other insurance proposals for you and members of your household.
1. WHAT INFORMATION DO WE COLLECT?
We may collect, store and use the following kinds of personal information:
- Information about your computer and about your visits to and use of this website (including your IP address,
geographical location, browser type and version, operating system, referral source, length of visit, page views and
B. Information relating to any transactions carried out between you and us on or in relation to this website, including
information relating to any purchases you make of our goods or services.
C. Information that you provide to us for the purpose of registering with us.
D. Information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters.
E. Information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters.
F. Other information.
A cookie consists of a piece of text sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser.
We may use both "session" cookies and "persistent" cookies on the website. We will use the session cookies to: keep track of you whilst you navigate the website; and other uses. We will use the persistent cookies to: enable our website to recognise you when you visit and revisit the site.
Session cookies will be deleted from your computer when you close your browser. Persistent cookies will remain stored on your computer until deleted, or until they reach a specified expiry date.
Our advertisers/payment services providers may also send you cookies.
Our advertising services providers may send you cookies for the purpose of enabling the service of advertisements based on your previous visits to our website.
Most browsers allow you to reject all cookies, whilst some browsers allow you to reject just third party cookies. For example, in Internet Explorer you can refuse all cookies by clicking "Tools", "Internet Options", "Privacy", and selecting "Block all cookies" using the sliding selector. Blocking all cookies will, however, have a negative impact upon the usability of many websites, including this one.
3. USING YOUR PERSONAL INFORMATION
We may use your personal information to:
A. Administer the website;
B. Improve your browsing experience by personalising the website;
C. Enable your use of the services available on the website;
D. Send to you goods purchased via the website, and supply to you services purchased via the website;
E. Send statements and invoices to you, and collect payments from you;
F. Send you general (non-marketing) commercial communications;
G. Send you email notifications which you have specifically requested;
H. Send to you our newsletter and other marketing communications relating to our business or the businesses of
carefully-selected third parties which we think may be of interest to you by post or, where you have specifically
agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing
I. Provide third parties with statistical information about our users – but this information will not be used to identify any
J. Deal with enquiries and complaints made by or about you relating to the website;
Where you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the licence you grant to us.
We will not without your express consent provide your personal information to any third parties for the purpose of direct marketing.
All our website financial transactions are handled through our payment services provider. We will share information with our payment service provider only to the extent necessary for the purposes of processing payments you make via our website and dealing with complaints and queries relating to such payments.
In addition, we may disclose your personal information:
- To the extent that we are required to do so by law;
B. In connection with any legal proceedings or prospective legal proceedings;
C. In order to establish, exercise or defend our legal rights (including providing information to others for the purposes
of fraud prevention and reducing credit risk);
D. To the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling.
E. To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that
personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order
disclosure of that personal information.
5. INTERNATIONAL DATA TRANSFERS
Information which you provide may be transferred to countries which do not have data protection laws equivalent to those in force in the European Economic Area.
In addition, personal information that you submit for publication on the website will be published on the internet and may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.
You expressly agree to such transfers of personal information.
6. SECURITY OF YOUR PERSONAL INFORMATION
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
We will store all the personal information you provide on our secure (password- and firewall- protected) servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.
Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.
You are responsible for keeping your password and user details confidential. We will not ask you for your password (except when you log in to the website).
7. POLICY AMENDMENTS
8. YOUR RIGHTS
You may instruct us to provide you with any personal information we hold about you. Provision of such information may be subject to:
Subject to certain exceptions, you are entitled to have access to your personal data held by us, and this will normally be free of charge. You would only be charged a fee to provide further copies of the same information already provided, or if your request is unfounded, excessive or repetitive. (The fee will be based on the administrative cost of providing the information.)
The supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).
We may withhold such personal information to the extent permitted by law.
You may instruct us not to process your personal information for marketing purposes, by sending an email to us at email@example.com. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.
9. THIRD PARTY WEBSITES
The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites.
10. UPDATING INFORMATION
Please let us know if the personal information which we hold about you needs to be corrected or updated.
12. DATA CONTROLLER
The data controller responsible in respect of the information collected on this website can contact via firstname.lastname@example.org or by post.
Our data protection registration number is Z1639198