This notice covers both the use of our branded websites and also information shared within the buying process and through the life-cycle of the contract.
We operate as a credit brokerage in the vehicle finance sector. We collect personal data from our customers who could be either a private individual or a business to arrange the finance and the supply aspects of a new vehicle.
The data that we collect includes inquiry information such as contact details and your requirements. We also collect data that is used by the finance company for credit assessment and information that is required for the supply / delivery of the vehicle. This informations includes data such as names, email addresses, telephone numbers, correspondence addresses, employment history, income & expenditure data and bank details. We also maintained a marketing register that allows us to monitor who has subscribed to our updates and offers.
On the basis that the processing is necessary due to the arrangement of the finance agreement and also the regulatory requirements to 'know our customer' and to access important aspects such as afford-ability and financial vulnerability. As the credit broker we are required to apply to the lender on your behalf using the data provided in your application. Also on the basis that we arrange the supply of the vehicle itself including delivery to a home or work address.
Yes, we are a credit broker and we introduce the finance and supply to our select partners. The data will only be shared with third parties for the purposes of applying for finance or processing supply orders. We will only share the data required to fulfill that part of the order e.g. financial data will only be shared with those parties involved in the credit assessment process. Those partners involved in the supply of the vehicle only will only receive information about the order itself such as your contact details and address for delivery. Where customers subscribe to our updates and offers we will store contact details such as name and email address within our marketing systems. Finally Basic contact details will be shared with our review partner in order to monitor our customer service standards.
As the data we collect is linked to financial services we must ensure we keep the data relating to the agreement for a certain amount of time to allow us to accurately respond to any service related matters during the contract and then for a number of years after the contract has ended. Our company data retention policy is to retain agreement documentation and related information for a period of six years after the contract has ended. After this point in time we will securely discard of the information.
For those customers who have not entered into a full finance agreement via our company but have either made an inquiry or have subscribed to our mailing list, these customers have the 'right to be forgotten' or to unsubscripted from our marketing at any time. All of our email marketing will have the option to permanently unsubscripted and you can contact us about the 'right to be forgotten' via the contact details at the top of this policy.
All of our agreement and customer data is stored on encrypted services based in the UK. Our marketing list data is stored with a reputable worldwide marketing provider on an encrypted database. Note that you will only be on our marketing list if you have specifically subscribed to our updates.
If you are unhappy with how we have processed your data, a complaint can be made by following our complaint process here or by contacting our data protection officer directly via the email address provided at the top of this policy.
By accepting our terms & conditions you will be agreeing that :-
We will treat your personal information as confidential and have a number of internal policies to make this central to our company culture. We should also make you aware of the circumstances where we would be obliged to disclose your information. These circumstances include requests from fraud prevention agencies, law agencies, regulatory bodies or government bodies.
Under the data protection act law you have the right to get a copy of the personal information that is held by a company about you. This is known as a 'subject access request'. You can request a subject access request from us at any time by sending an email to firstname.lastname@example.org. Under the current regulation this request is free of charge however there may be administrative charges for subsequent requests. We will aim to provide this information within one month of the date of receipt. If the request is complex we may need to extend that time frame by up to two months in order to pull all the information together.
As a business we are committed to keeping our systems, policies and procedures up-to-date in order to protect your information. All information that you enter into our website via the INTERNET is transferred with encryption via a secure certificate or http connection (see the green padlock in your web browser). We have also undertaken cuber security testing to help keep our website up to the very latest standards. Our internal office IT systems are monitored by our technology partner and all hardware / software is kept up to date in order to meet the latest standards. Further to this all of our staff go through induction and annual training to make them aware of their obligations with regards to customer data.
Users have a selection of web browsers to choose from, most of these have auto settings that accept cookies. Whilst you can tailor your browser settings so that it will not allow cookies you may find that it impacts the functionality of this website and other websites that you might use.
The main types of personal data that we record and store include the following :-
Your personal data will be held in according with our records retention policy. We will need to hold some of your data whilst you are in a contract arranged by ourselves and then for a reasonable period after the contact has ended. Some of your data may be held in the form of a phone conversation and we will use these recordings for training and monitoring purposes. When we have finished using this data we will delete it from our storage.
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