Privacy policy
At Carfinancego, we understand that your privacy is important and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits the carfinancego.co.uk website (“Our Site”) and will only collect and use personal data in ways described here, in a manner consistent with our legal obligations and your rights.
Please read this Privacy Policy carefully and make sure you understand it. By using Our Site for the first time, you are deemed to accept Our Privacy Policy. You will be required to read and accept this Privacy Policy when you sign up for an Account. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.
1. Definitions and Interpretation
In this Policy, the following terms have the meanings below:
“Account” means an account required to access and/or use certain areas and features of Our Site.
“Cookie” means a small text file placed on your computer or device by Our Site when you visit certain parts of it or use certain features. Details on the Cookies used by Our Site are provided in our Cookie Policy.
“Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003, as amended.
“Personal data” means any data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data you give to Us via Our Site. This definition will incorporate the definitions provided in the EU Regulation 2016/679—the General Data Protection Regulation (“GDPR”).
“We/Us/Our” means Carfinancego Ltd, a limited company registered in England under company number 13109658, with its registered address at The Charter Building, Charter Place, Uxbridge, UB8 1JG.
This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. We have no control over how your data is collected, stored, or used by those websites, and we advise you to check their privacy policies before providing them with any data.
2. What Information We Collect
We may collect personal information (any information about an individual whose identity is apparent or can be reasonably ascertained) from you when you use our products or services. This information may include:
Your name, address, telephone number, and email address
Date of birth
Employment details (including place of work and income)
Details of your expenditure
Passport information and driving license details
Bank details, credit history, and insurance details
Information about your dependents
IP addresses
Transaction and credit card information
Where information fields are marked as mandatory on an application form, you must provide this information for us to proceed with your application. If you complete mandatory sections but do not finish the application, we may use the information you provided to contact you and offer support with the application process.
3. How We Collect Your Information
We may collect information provided in connection with the following activities:
If you apply for or purchase any product or service from us.
When you provide information to us on our Website, through our mobile application, in writing, via social media, or over the phone (including through call recording).
If you register your interest in a job vacancy, a product, and/or a service.
If you request information or assistance from us.
If you make a complaint.
Information provided to us by third parties, including lenders, credit reference agencies, tax authorities, fraud prevention agencies, market information-sharing databases, motor dealers, brokers, and introducers.
The use of website or mobile application features that may require such information.
4. Use of Your Information
We use your information for the following purposes:
To Provide Products and Services
To provide the product or service you applied for.
To allow us to consider and process your application, and/or to enable a third-party lender from our carefully selected panel to provide you with a suitable car finance product or service tailored to your needs.
To confirm, update, and improve our customer records.
To provide a quotation and process your application, enabling a third-party insurer to provide you with a suitable insurance product or service tailored to your individual needs.
To validate claims (e.g., to ensure your account is not being used without your permission) and report on account performance.
To troubleshoot problems with the Website or mobile application, or to customize your experience.
To assess appropriate forbearance options if you are in financial difficulties.
For Queries and Support
To respond to any queries or complaints you raise.
To inform you if an application you started is incomplete.
For training purposes and to enhance or review the service we provide.
To conduct statistical analysis and research (where possible, using anonymized data).
For Legal Obligations
To prevent, investigate, and prosecute crime, fraud, and money laundering; and for auditing purposes.
If we are legally required to disclose information by law, regulation, or court order.
If we, or a fraud prevention agency, determine that you pose a fraud or money-laundering risk, we may refuse to provide the services and financing you requested, or we may stop providing existing services to you. A record of any such risk will be retained by fraud prevention agencies, which may result in others refusing to provide services, financing, or employment to you. If you have any questions about this, please contact us.
5. How We Might Share Your Information
We may share your personal information with the following third parties to help us provide services and products to you.
Our partners, including brokers, introducers, lenders, and motor dealers we work with. The specific partners depend on your credit profile and the criteria set by the lender. These may include but are not limited to:
Autolend
Automoney
Glenside Finance
Mallard Finance
Marsh Finance
Oodle Car Finance
Our subsidiaries or affiliates for the purpose of managing our customer relationships, administering our business, and providing you with information about other products and services that may interest you.
Service providers who need to know the information to provide a product or service to us or you. This includes third-party service providers who process information on our behalf to run internal business operations, such as email distribution, electronic signature processing, storage of customer documentation, HR portals, IT services, customer services, and data analytics (using anonymized data).
Third-party credit providers, at your request, if you are unsuccessful in applying for personal lending services. In such cases, these third-party credit providers will become the relevant data controller.
Credit and fraud agencies (including Call Credit, Equifax, Experian, and Cifas) to help us make decisions.
Law enforcement bodies to comply with any legal obligation or court order.
Third parties for the purpose of validating and assessing fitness and suitability for any employment application.
Entities that may or do acquire any rights in us for a business sale or reorganization.
Occasionally, we may make your details available to reputable suppliers of credit and insurance-related services that we feel may be of interest to you, where you have agreed to receive such marketing.
Debt recovery agencies, tracing agents, investigators, or solicitors for the purpose of collecting monies or assets that are due or outstanding on your account.
We reserve the right to sell performing and non-performing accounts. We will inform you if we do this.
Credit Checking and Automated Decision Making When you apply for any of our products or services, we and/or our lenders will carry out checks with credit reference agencies (“CRAs”), including:
“Soft searches” or “quotation searches,” which check publicly available information such as the Electoral Register, County Court Judgments (CCJs), bankruptcy, or repossession information. These searches are only visible to you.
“Hard searches” or “credit application searches,” which check data related to your financial situation and history. These may be visible to other third parties, such as potential lenders.
We will use this information to:
Assess your creditworthiness and whether you can afford the product.
Verify the accuracy of the data you provided.
Prevent criminal activity, fraud, and money laundering.
Manage your account(s).
Trace and recover debts.
Ensure any offers provided to you are appropriate for your circumstances.
We will continue to exchange information about you with CRAs as long as you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt, and this information may be supplied to other organizations.
When CRAs receive a search from us, they will place a search footprint on your credit file that other lenders may see.
If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together. You should discuss this with them and share this information before lodging the application. CRAs will also link your records, and these links will remain on both of your files until one of you successfully files for a disassociation with the CRAs to break the link.
When fraud prevention agencies transfer your personal data outside the European Economic Area, they impose contractual obligations on the recipients to protect your personal data to the standard required in the European Economic Area. They may also require the recipient to subscribe to international frameworks intended for secure data sharing.
6. Retention of Your Personal Information
The personal information you provide will be retained by us in accordance with applicable laws. However, in line with our lawful basis, data will only be retained according to our policy and used for the purposes detailed. Any marketing activity will only be undertaken with your consent after the conclusion of your relationship or employment with Carfinancego.
Our retention policies are aligned with individual rights and freedoms, and any request made under those rights will be met in accordance with our stated lawful bases or obligations.
7. Sensitive Personal Data
Sensitive personal data includes information about an individual’s health and other protected categories of personal information (e.g., criminal convictions). We do not generally process such information unless you have voluntarily provided it to us (for example, if you have notified us of a health issue).
By providing us with sensitive personal data, you agree that you did so voluntarily and that we can use it to deliver products or services to you and/or determine your fitness to use them. Where possible, we will seek to minimize the collection and use of such sensitive personal data.
8. Marketing
If you tell us you are happy to receive information from us, we may send you communications about products that we believe may be of interest to you, including products and/or services from our partners, where we have your agreement.
Depending on your selected contact preferences, we will communicate with you by letter, telephone, SMS, email, or other electronic means, such as social and digital media.
If at any time you prefer not to receive further communications from us in any or all forms (except for information, products, or services that you specifically request), you will have the ability to unsubscribe. This can be done via a link provided in every email we send to you, or by contacting us directly.
9. Keeping Your Information Secure
We invest appropriate resources to protect your personal information from loss, misuse, unauthorized access, modification, or disclosure. In particular:
We regularly review our information collection, storage, and processing practices, including physical security measures, to guard against unauthorized system access.
We restrict access to personal information to Carfinancego employees, contractors, and agents who need to know that information to process it for us. They are subject to strict contractual confidentiality obligations and may be disciplined or have their contract terminated if they fail to meet these obligations.
We and the other companies processing your data may need to process it in countries outside the European Economic Area. Different privacy laws may apply in these countries, and you understand and unambiguously agree to the transfer of personal information to these countries and parties. We only make these arrangements or transfers when we are satisfied that adequate levels of protection are in place or that the service provider complies with applicable privacy laws.
10. Cookies
Our website uses cookies, including Google Analytics cookies, to obtain an overall view of visitor habits and volumes to our Website. To view more information on what cookies we use and how we use them, please review our separate Cookie Policy.
11. Changes to Our Privacy Policy
We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be posted immediately on Our Site, and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site after the alterations. We recommend that you check this page regularly to stay up-to-date.
12. How Long Will We Store Your Personal Information?
We will store your personal information for up to 12 months. After this period, we will store your personal information for a total of six years from the point of our last engagement with you. This is to enable us to refer to our records in the unlikely event that you need to lodge a complaint against us within six years.
If you do not exercise your right to object to marketing or unsubscribe from our marketing emails, we will store your personal information for marketing purposes until you exercise that right.
13. Your Rights Regarding Your Personal Information
You have the following rights regarding the personal information we hold about you:
Right to access: You have the right to request copies of the personal information we hold about you at any time.
Right to rectification: You have the right to request that we correct any inaccurate personal information we hold about you.
Right to erasure: You have the right to request that we delete your personal information from our records. Please note that we cannot delete your personal information while we are still providing services to you. We can delete your information once your service is canceled or completed.
Right to restrict processing: You have the right to request that we restrict how we use your personal information.
Right to object: You have the right to object to the collection and use of your personal information at any time.
Right to data portability: You have the right to obtain a copy of your personal information in a legible and compatible format, such as Excel or Word.
14. How to Exercise Your Rights
You can exercise all your rights by contacting us using the details below.
15. How to Lodge a Complaint
You can lodge a complaint with us directly by contacting us using the details below.
You also have the right to lodge a complaint directly with the Information Commissioner’s Office (ICO). The ICO is the regulator that ensures we use your personal information in a lawful way.
You can lodge a complaint with the ICO by following this link: https://ico.org.uk/make-a-complaint/ or by calling the ICO on 0303 123 1113.
Contact Us
If you have any questions about this Privacy Statement, believe we have incorrect information, or would like a copy of the information we hold about you, please do not hesitate to contact us.
Address: Ff06 Harrington House The Woods, Ickenham, Uxbridge, England, UB10 8NN
Queries: info@carfinancego.co.uk
Complaints: info@carfinancego.co.uk