Privacy Policy

Date Posted: 08/12/2016

CarFinance247 Limited (“we”, “our”, “us”, “CarFinance 247”) is committed to protecting and respecting your privacy. This Privacy Policy (together with the Terms, Cookie Policy and any other documents we refer to in this policy or the Terms) explains how we use the information we collect about you and with whom it will be shared, how you can instruct us to limit the use of that information and the procedures we have put in place to safeguard your privacy. Please read the following carefully.

Please refer to our Cookie Policy if you would like detailed information on the types of cookies we use on the Site, the purposes for which we use each cookie, how you can disable and enable the use of certain cookies and the consequences of doing so.

Please note that by visiting and using the Site you are agreeing to the use of your personal information in the manner set out in this Privacy Policy.

If you have any queries or concerns regarding this Privacy Policy, please contact us at customercare@carfinance247.co.uk.

Any changes we may make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by email.

The Information we Collect

Personal information on the Site may be gathered in two ways, as follows:

  • indirectly (e.g. through cookies - see section "Our Use of Cookies"); and/or
  • directly (e.g. when you provide information on various forms).

We may collect and process the following data about you (“your information”):

  • information that you submit online via the Site;
  • any correspondence you send to us;
  • details of your visits to the Site and the resources that you access (which may include, amongst other things, traffic data and communication data); and
  • details of applications you submit through the Site.

Throughout the Site, we provide opportunities for you to apply for various products and services, including, amongst other things, car data checks and car finance. When we collect this type of information, we will notify you of the reason we are asking for information and how this information will be used. It is completely up to you whether or not you want to provide it.

We are aware that your information may be confidential and we will protect the confidentiality of your information in accordance with our normal procedures and legal requirements.

How we Use the Information

We use your information:

  • to allow us to consider and process your application and enable a third party lender (from our carefully selected panel of lenders) to provide you with a suitable car finance product or service tailored to your circumstances;
  • to ensure that the Site’s content is presented as effectively as possible for you;
  • for our internal purposes, such as quality control, site performance, system administration and to evaluate use of the Site, so that we can provide you with enhanced services;
  • to notify you about changes to our services;
  • to provide you with information, products or services that you request from us, or which we feel may interest you (provided of course you agree);
  • to create reports to assist with future marketing; and
  • to enable you to participate in the features of the Site, when you choose to do so.

The relevant information may also shared with our agents, credit reference agencies, third party lenders and sub-contractors to deal with your enquiries, process your transaction and communicate with you on any matter relating to the provision of products or services or in general, provided of course you agree.

We may monitor your use of the Site and record your email address and/or IP address, operating system and browser type, for system administration and to report aggregated information to third parties such as advertisers to enable them to assess the value of advertising on the Site. The statistics will not include information that can be used to identify any individual.

We collect non-personal aggregated statistics data about visitors to the Site and traffic patterns. This information does not identify users in any personal capacity and we do not use this information to build profiles on individual users.

We only keep your information for as long as is necessary.

Marketing

We may also wish to contact you:

  • if you are an existing customer, by mail, phone, email or SMS to provide you with offers of products, services or information similar to those we have previously provided you that may be of interest to you, unless you have indicated that you do not want to hear from us; or
  • if you are a new customer, we may contact you by mail, phone, email or SMS, only if you have provided your consent for us to do so.

We may also pass your information to other organisations (if you consent) who may contact you to provide marketing information about their products and services by mail, phone, email or SMS.

If you have consented to receive such material or for us to use your information in this way, you are entitled to unsubscribe at any time by sending us an email to: customercare@carfinance247.co.uk.

If you do not want us to use your information in this way, please tick the relevant boxes during the application process when we collect your information. You may ask us at any time not to use your information for marketing purposes by contacting us at: customercare@carfinance247.co.uk.

Your Information Shared

We may process and to share your information in the following ways:

Businesses we do not control

The Site features the products and services of third party providers. Where a service is to be provided by a third party, for example our motor loan, warranties, insurance, car data check and value of your car, your information will be shared with that third party for the purposes of delivering that service to you. You will be able to tell when a third party is involved in your transactions and when your customer information is shared before you submit any information; you will be notified and then it is up to you whether or not you want to provide it. Where you purchase products or services or provide information or access another website through the Site, use of any information collected is subject to the privacy policy of the operator of the site you’re visiting or the provider of such products or services. We are not responsible for the data protection practices of those other sites. This privacy policy applies solely to information collected on this Site. We encourage our users to read the privacy policies of each and every website that collects personally identifiable information. That privacy policy may differ from ours. If you cannot find the privacy policy and require more information, please contact the provider directly.

Sale of Business

If the business is sold or integrated with another business, your details may be disclosed to our advisers and any prospective purchasers and their advisers and will be passed on to the new owners of the business.

Credit Reference Agencies

When you make an application with us, we will carry out a search with credit reference agencies (Equifax and/or Experian) for the purpose of assessing your credit score in connection with your application for finance. We will only do a soft search of your details which is not visible to other lenders so even if you are declined at this stage it won't be reflected on your credit file. Credit reference agencies will provide a credit scoring computation and if, based on this score, we can proceed with your application we will pass your information onto a number of suitable lenders (two on average) who will carry out a hard search on your credit file.

If your application for finance is successful, we may make a subsequent search with the same credit reference agencies (Equifax and/or Experian) on each anniversary of the date your application is approved. This soft-search of your details will not be visible to other lenders.

Credit reference agencies hold public and credit account information about you including details from the electoral register, county court judgments, bankruptcies, individual voluntary arrangements, administration orders and other data on how you are managing existing credit agreements. Carrying out hard searches will enable the lenders to calculate the level of risk of providing credit to you based on the information obtained. Such searches will be recorded on your credit file leaving a footprint and this allows other lenders and organisations to see when and how many times your credit information has been accessed.

To verify your identity, prevent crime and assist in the recovery of debt, we may exchange information from time to time with fraud prevention agencies (including CIFAS), debt recovery agencies, and other relevant organisations including other lenders.

Third party lenders

We may share your information with other third party lenders (including companies whose products or services are not included on the Site) in the event that your application is declined by all of our available lenders. This will enable you to be considered for alternative loan options and financial products which are more suited to your circumstances. Such third parties may carry out further searches against you of credit reference agencies for the purposes of assessing your credit score and any such searches will be recorded on your credit file. See Credit Reference Agencies section above for details of these searches. For further information about these third parties please contact us at customercare@carfinance247.co.uk.

Dealers

We may share your information with the dealer you have selected to purchase a vehicle from within MyCarFinance247. We will only do this in order to facilitate the deal and avoid any unnecessary delays.

Others

We may share your information where it is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users, or anyone else who could be harmed by such activities. We also reserve the right to disclose user information when we believe in good faith that the law requires it.

If you do not want us to use your information in this way, please tick the relevant boxes during the order process when we collect your information. You may ask us at any time to use your information for marketing purposes by contacting us at customercare@carfinance247.co.uk.

Where do we Transfer your Information?

We may transfer your information to, or store it in, countries located outside the European Economic Area (“EEA”) which do not have as developed data protection laws. If we transfer your data to such countries, we will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with the provisions of this Privacy Policy. It may also be processed by staff at our affiliates, suppliers, agents or appointed representatives’ offices overseas.

Please do not send us your information if you do not want it to be transferred to or stored outside the EEA. By providing your information to us you agree and consent to us transferring to, and storing your information, at a destination outside the EEA.

Our Use of Cookies

Cookies are small text files based on your hard drive each time you access a website. We may use cookies to facilitate your Internet sessions, to maintain security and to improve the Site.

You can disable cookies on your computer by changing the settings in preferences or options in your menu browser. However, if you select this setting, you may be unable to access certain parts of the Site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Site and by continuing to use the Site you consent to the use of cookies.

Please refer to our Cookie Policy for further information on the types of cookies we use, why we use them and how to refuse them.

How we protect your information

The Internet is not a secure medium. We take appropriate steps to maintain the security of your information wherever it may be in CarFinance 247. The open nature of the Internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. However, will apply our normal procedures and comply with legal requirements to protect your information and prevent unauthorised access at all times, but we are unable to guarantee the security of your information transmitted to the Site and any transmission is at your own risk.

All your information is stored on our secure servers. Any actions you perform on the site which are related to your account will be encrypted. If you have a username, password or other login details which enable you to access certain parts of the Site, you must not allow any other person to use them and must treat them as confidential. If you believe or suspect that someone else knows your login details you must contact us at customercare@carfinance247.co.uk as soon as possible.

The Site may from time to time contain links to and from other websites. If you follow a link to any of those sites, please note that those sites ought to have their own privacy policies and that we do not accept any responsibility or liability for those sites or for their privacy policies. Please check those privacy policies before you submit your information to those sites.

Please also see our Terms for more information on how we protect your information.

How can you access your information?

You are entitled to know whether we hold information about you and, if we do, you are entitled to have access to that information and require it to be corrected if it is inaccurate. You can do this by contacting us by e-mail at customercare@carfinance247.co.uk.

Under the Data Protection Act 1998, you have the right to see the personal information we hold about you, whether collected through your use of the Site or through any communication that you have had with us. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.

You have the right to ask us not to process your information (or pass your information to other companies or organisations) for marketing purposes. You can tick the appropriate box on the forms when we collect your information or later at any time by contacting us at customercare@carfinance247.co.uk.

CarFinance 247 does not knowingly collect data from, nor market to, children anywhere.

If you have a complaint about how we have used your information, you have the right to complain to the Information Commissioners Office.

Changes

We may make changes to this Privacy Policy at any time by sending you an email with the modified terms or by posting a copy of them on the Site. Any changes will take effect seven (7) days after the date of our email or the date on which we post the modified terms on the Site, whichever is the earlier. Your continued use of the Site after that period expires means that you agree to be bound by the modified policy.

How to contact us

We welcome your views about the Site and our Privacy Policy. If you would like to contact us with any queries or comments, please send an e-mail to customercare@carfinance247.co.uk.

This website located at www.carfinance247.co.uk (the “Site”) is owned and operated by Carfinance247 Limited, a private limited company registered in England and Wales under company number 6035525 with its registered office at 12 - 18 Pollard Street, Manchester, M4 7AJ.

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Representative example. Excellent Credit

Borrowing £7,500 over 48 months with a representative APR of 16.8%, an annual interest rate of 16.8% and a deposit of £0.00, the amount payable would be: £211.25 a month, with a total cost of credit of £2,640 and a total amount payable of £10,140.

CarFinance 247 is a broker and not a lender