Cookie Policy

CAR FINANCE R US

COOKIES POLICY

Why take the time to read this?

When you contact us or visit our websites, you trust us with your information. This Privacy Policy is meant to help you understand what information we collect, why we collect it and what we do with it. It is important, a bit long, but we hope you will take time to read it carefully.

The policy: This privacy policy is for this website; [www.CarfinanceRus.co.uk] and served by Car Finance R Us  and governs the privacy of its users who choose to use it.

It explains how we comply with the GDPR (General Data Protection Regulation), the DPA (Data Protection Act) [pre GDPR enforcement] and the PECR (Privacy and Electronic Communications Regulations).

This policy will explain areas of this website that may affect your privacy and personal details, how we process, collect, manage and store those details and how your rights under the GDPR, DPA & PECR are adhere to. Additionally it will explain the use of cookies or software, advertising or commercial sponsorship from third parties and the download of any documents, files or software made available to you (if any) on this website. Further explanations may be provided for specific pages or features of this website in order to help you understand how we, this website and its third parties (if any) interact with you and your computer / device in order to serve it to you. Our contact information is provided if you have any questions.

 

The DPA & GDPR May 2018

We and this website complies to the DPA (Data Protection Act 1998) and already complies to the GDPR (General Data Protection Regulation) which comes into affect from May 2018. We will update this policy accordingly after the completion of the UK's exit from the European Union.

Use of Cookies

This website uses cookies to better the users experience while visiting the website. As required by legislation, where applicable this website uses a cookie control system, allowing the user to give explicit permission or to deny the use of /saving of cookies on their computer / device.

What are cookies? Cookies are small files saved to the user's computers hard drive that track, save and store information about the user's interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.

Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors or use the cookie control system if available upon their first visit.

Website Visitor Tracking

This website uses tracking software to monitor its visitors to better understand how they use it. The software will save a cookie to your computers hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information.

Downloads & Media Files

Any downloadable documents, files or media made available on this website are provided to users at their own risk. While all precautions have been undertaken to ensure only genuine downloads are available users are advised to verify their authenticity using third party antivirus software or similar applications.

We accept no responsibility for third party downloads and downloads provided by external third party websites and advise users to verify their authenticity using third party anti virus software or similar applications.

Contact & Communication With us

Users contacting us through this website do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use.

Where we have clearly stated and made you aware of the fact, and where you have given your express permission, we may use your details to send you products/services information through a mailing list system. This is done in accordance with the regulations named in 'The policy' above.

External Website Links & Third Parties

Although we only look to include quality, safe and relevant external links, users are advised to adopt a policy of caution before clicking any external web links mentioned throughout this website.

Shortened URL's; URL shortening is a technique used on the web to shorten URL's (Uniform Resource Locators) to something substantially shorter. This technique is especially used in social media and looks similar to this (example: http://bit.ly/zyVUBo). Users should take caution before clicking on shortened URL links and verify their authenticity before proceeding.

We cannot guarantee or verify the contents of any externally linked website despite our best efforts. Users should therefore note they click on external links at their own risk and we cannot be held liable for any damages or implications caused by visiting any external links mentioned.

Social Media Policy & Usage

We adopt a Social Media Policy to ensure our business and our staff conduct themselves accordingly online. While we may have official profiles on social media platforms users are advised to verify authenticity of such profiles before engaging with or sharing information with such profiles. We will never ask for user passwords or personal details on social media platforms. Users are advised to conduct themselves appropriately when engaging with us on social media.

Why we use the personal data
Internal Processing

Your information will be used for the purpose of allowing us to quote or provide the service or product that you applied for.

We will use your information to compare the best services and rates available from our panel of lenders.  Once an initial comparison has been completed, we will share your information to our carefully selected lenders and brokers to provide you with a service or product which is suitable for your needs.

We will keep your data on file and this information will be updated where necessary. They shall also monitor your account to ensure that it is only being used by you or a nominated person when you have given consent.

Should you wish to apply for a joint application, we will require the full details of the joint applicant.  We will request for evidence that you have obtained the joint applicant’s permission to share their personal information.   To process the application, it will be necessary for us to communicate with, verify the identity of the joint applicant in line with our data protection and anti-money laundering procedures.

Should there be problems with our website, we may also use your data in order to improve its performance or to troubleshoot any problems.

Our web server automatically recognises each visitor to our website and does not record information regarding the domain or e-mail address. We collect the e-mail addresses of those who communicate with us via e-mail or by submitting an application, aggregate information on what pages consumers’ access or visit, user-specific information on what pages are visited, and information volunteered by the consumer e.g. survey information or site registrations.

We may record and store all incoming and outgoing telephone calls for our internal quality control purposes. In the interest of security and compliance, credit, debit card and account information will not be recorded.

How We Might Share Your Information

The third parties with whom we may need to share personal information to help us provide services and products to you are detailed within this section.

DISCLAIMER

PLEASE NOTE Car Finance R Us Limited is acting as a licensed credit broker and not a lender, authorised and regulated by the Financial Conduct Authority, registration number 792998. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Written quotations on request. Car Finance R Us Limited can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions. Car Finance R Us Limited. Registered in England | Registered number 10993256

Your Rights and Freedoms

You have a number of rights under Data Protection law including:

Right to be informed – Car Finance R Us Ltd provide all customers with this privacy statement to provide transparent and clear information as to arrangements for the collection, control and processing of personal data.

Right of Access – Copies of personal data held can be requested under an access request and will be met in the 30 day legislative standard ordinarily free of charge. Any extension to these requirements will be advised on the basis of the nature of the request but will be by exception and subject to senior management scrutiny, please see contact us section for further detail.

Right to Rectification – In the event we hold inaccurate data please advise us of the correct information and records will be updated within 72 hours and confirmation provided accordingly (Subject to satisfactory verification of your identity).

Right to Restriction of Processing – Data processing will be restricted whilst any claim of accuracy is being contested by you, or you have challenged the legal basis or legitimate grounds for processing for a specific purpose and to establish, exercise or defend legal claim at your request.

Right to Object – You can object to Car Finance R Us Ltd processing on the basis this is contrary to your rights and freedoms, any objection relating to direct marketing will be acted upon within 48 hours, other objections will be treated as a complaint and assessed against our documented legal basis.

Right to Erasure – Commonly known as the right to be forgotten, Car Finance R Us Ltd will adhere to your request ordinarily within 72 hours where legal basis is solely or partially established as consent, any data required for legal, regulatory or legitimate interests maybe maintained in accordance with documented retention schedules. However our team will confirm and discuss your request to ensure your rights and freedoms are observed at all times.

Right to Data Portability – You have the right to receive the personal data that you provided to us, in a structured, commonly used and machine-readable format and have the right to transmit those data to another controller in a timely manner, generally 72 hours unless evidenced to be unduly excessive or unreasonable.

You have a further right in connection with automated decisions, however this is covered in the relevant section of this statement.

Car Finance R Us Ltd has established robust policy and procedural requirements to enable your rights as a data subject to be adhered with, however where this is not possible for the reasons outlined we confirm the detail.

In relation to all of these rights, please write to or contact us at the address below. Please note that we will need to verify your identity.

Complaints Process

If you have a complaint about how we have handled your personal information you may contact us using the details below and we will investigate your complaint. You also have the right to lodge a complaint with a supervisory authority (i.e. the ICO) once you have tried to resolve the issue with us.

Contact Us

If you have any questions about this Privacy Statement, or you think we have incorrect information or you would like a copy of the information we hold about you, you may request details of personal information which we hold about you please do not hesitate to contact us via any of the below methods:

Address:

Data Protection, Car Finance R Us Ltd, Building 4, Imperial Place, 4 Maxwell Road Imperial Place, Borehamwood WD6 1JN

Queries: Data.Protection@carfinancerus.com

Complaints: CustomerCare@carfinancerus.com

Telephone queries: 0203 693 3826

 

If you're still unhappy after we've resolved your complaint, you can then take it to the Financial Ombudsman Service (if 8 weeks has passed since the initial complaint).

The contact details for the Financial Ombudsman Service are as follows:

Tel: 0800 023 4 567

Mob: 0300 123 9 123

Email: complaint.info@financial-ombudsman.org.uk

Address: The Financial Ombudsman Service

Exchange Tower

London E14 9SR

12.4 You may also lodge your complaint with the Information Commissioner’s Office (ICO) if we have been unable to resolve the complaint to your satisfaction. 

The ICO may be contacted on 0303 123 1113 or https://ico.org.uk/concerns/.

Got a question for us?

If you require further assistance, our team of Customer Advisors are here to help. We're open Mon - Friday 9am - 6pm - we're more than happy to answer your questions.


Get in touch with us if you need to talk it through.

Contact Us