Privacy policy

We respect and value the privacy of everyone who visits this website, www.carfinanceplan.com (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.

1. Definitions and Interpretation

In this Policy, the following terms shall have the following meanings:

“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 Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;

“Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended from time to time;

“personal data” means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and

“We/Us/Our” means Car Finance Market Limited trading as CarFinance Plan, a limited company registered in England under company number 09664343, whose registered address is Aldgate Tower, 2 Leman Street, London E1 8FA.

2. What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.

3. Your Rights

    1. As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
    2. The right to be informed about Our collection and use of personal data;
    3. The right of access to the personal data We hold about you (see section 12);
    4. The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
    5. The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
    6. The right to restrict (i.e. prevent) the processing of your personal data;
    7. The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
    8. The right to object to Us using your personal data for particular purposes; and
    9. Rights with respect to automated decision making and profiling.
    10. If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
    11. For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.

4. What Data Do We Collect?

We may collect personal information from you in connection with a service or product provided to you by us, including:

    1. name;
    2. date of birth;
    3. gender, and marital status;
    4. business/company name
    5. job title, profession and or employment details (current and past);
    6. contact information such as postal, email addresses and telephone numbers;
    7. demographic information such as home owner/occupier status and history, preferences, and interests;
    8. financial information such as credit / debit card numbers;
    9. IP address;
    10. web browser type and version;
    11. operating system;
    12. a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to;

5. How Do We Use Your Data?

All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times.

Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails or indicating your consent on forms you complete), or because it is in Our legitimate interests. Specifically, We may use your data for the following purposes:

    1. Providing and managing your Application and Account;
    2. Providing and managing your access to Our Site;
    3. Personalising and tailoring your experience on Our Site;
    4. Supplying Our Services to you (please note that We require your personal data in order to enter into a contract with you);
    5. Personalising and tailoring Our Services for you;
    6. Replying to emails and other communications received from you;
    7. Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by emailing us to advise of your preference;
    8. Market research for Our own use;
    9. Analysing your use of Our Site and gathering feedback to enable Us to continually improve Our Site and your user experience;

Enabling Us to perform Our Services and connecting you with possible lenders/funders.

With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email, telephone, text message, post with information, news and offers on Our products and services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.

Third parties whose content appears on Our Site may use third party Cookies, as detailed below in section 13. Please refer to section 13 for more information on controlling Cookies. Please note that We do not control the activities of such third parties, nor the data they collect and use and advise you to check the privacy policies of any such third parties.

You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it.

We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):

For the duration of the Hire Purchase finance or personal loan agreement you’ve taken with us or/and with one of our lenders;

6. How and Where Do We Store Your Data?

We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.

Some or all of your data may be stored outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). You are deemed to accept and agree to this by using Our Site and submitting information to Us. If We do store data outside the EEA, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR including:

    1. All information and data you prove to us is stored on our secure servers. All data and information transfer will be encrypted using the SSL technology.
    2. Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.

7. Sharing Your Data

We may share your data with other companies in to help us provide services and products to you. This includes Our subsidiaries, affiliates, service providers including our 3rd party service providers who process data and information on our behalf to help run our business operations, including emails, electronic signature, customer documentation storage, our HR website, IT services, customer services. We may also share your data with our partners, including brokers, introducers and dealerships.

We may sometimes contract with third parties to supply products and services to you on Our behalf. These may include payment processing, delivery of goods, search engine facilities, advertising, and marketing. In some cases, the third parties may require access to some or all of your data. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.

We may sometimes use third party data processors that are located outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). Where We transfer any personal data outside the EEA, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR.

In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.

Our partners, including brokers, introducers, lenders and motor dealers we work with dependent upon your individual credit profile and the specific criteria determined by the lender.

The current panel of lenders are:

    1. Advantage Finance Limited
    2. Moneybarn Ltd
    3. Paragon Bank Plc
    4. Amigo Loans Ltd
    5. PCF Bank Plc
    6. UKCredit Limited
    7. Retail Money Market Ltd

8. How Can You Control Your Data?

In addition to your rights under the GDPR, set out in section 4, when you submit personal data via Our Site, you may be given options to restrict Our use of your data. In particular, We aim to give you strong controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of providing your details and by managing your Account).

You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

9. Your Right to Withhold Information

You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site you will be required to submit or allow for the collection of certain data.

You may restrict Our use of Cookies. For more information, see section 13 and Our Cookie Policy.

10. How Can You Access Your Data?

You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at hello@carfinanceplan.com, or using the contact details below. Alternatively, please refer to Our Data Protection Policy.

11. Complaints

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.

12. Cookies

Our website uses cookies (including Google Analytics cookies to obtain an overall view of visitor habits and visitor volumes to our Website). To view more information on what cookies we use and how we use them please review our separate Cookie Policy.

13. Contacting Us

If you have any questions about Our Site or this Privacy Policy, please contact Us by email at hello@carfinanceplan.com, by telephone on 0333 050 6783, or by post at Aldgate Tower, 2 Leman Street, London E1 8FA. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 12, above).