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Privacy

Date May 2018

Introduction

Car Loans Express Ltd is registered under the General Data Protection Regulation 2018 and complies with the data principles set out in the Regulations. Our Privacy Policy explains how we use and protect any personal information which we collect from you.  We are committed to ensuring that your privacy and personal information is protected.  Car Loans Express is a licenced credit broker, not a lender.  Services offered by our website are note directed to individuals under the age of 18; if you are under the age of 18 you should not provide any personal data.

Should you have any questions regarding this Privacy Policy you may contact us at the address shown on this document.

Please note: This Policy is not intended to create any contractual or other legal rights in or on behalf of any party. This Policy applies only to Car Loans Express Ltd and not to any companies to which we introduce you to or provide links to.  We are not responsible for the Privacy Policies of such other companies and you should consult with them in this regard.  This Privacy Policy is not intended to create any contractual or other legal rights in or on behalf of any party

Your Consent

If you voluntarily provide your personal information to us, we will assume that you have read, understood and consented to this Policy and that you have consented to us using your personal information in ways described in this Policy.  If, you later decide that you do notwant us to use your personal information, please write to us at the address shown on this document.

Control of personal information

You may wish to restrict the use of your personal information in the following ways:

  • Whenever you are asked to fill in a form on our website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
  • If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to us at the address shown on this document.
  • We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.
  • We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

Security of your personal information

We are committed to keeping your information secure. In order to prevent any unauthorised access or disclosure we have put into place electronic, physical and managerial procedures to safeguard and secure the information we collect from you.  We will not hold your personal information for any longer than is reasonably necessary.  When you make a telephone call to our us we keep a record of that call, this may be used for security, training and monitoring purposes

Your Rights – to access information held about you

The General Data Protection Regulation 2018 gives you the right to access and request any personal information held about you. You also have the right to request that any incorrect or incomplete information in the personal information held about you be corrected.

A copy of the personal information held about you by us can be requested by writing to us at the address shown on this document. We do notcharge an administration fee for this information.

What personal information do we collect and why?

We collect information when you choose to apply for various products and services throughout our website. The information may include your name, address, phone number, email address, employment details.  We may collect sensitive data during our credit searches such as, County Court Judgments and Bankruptcy Orders.   When you choose to apply for one of our products or services, further information will be collected for the third [arties during our credit searches which is a soft search of your details which is not visible to other lenders.  During these searches we may collect financial data relating to people with whom you are financially associated.  We use this information to help us understand your financial needs and provide you with a fair and lawful service.

What we do with your personal information

We use this information to process your application for finance, and may combine information that you provide with information we receive from our affiliates and other sources. We will share this information with our panel of lenders which will carry out additional searches against you for consideration of their financial products; these may be a hard search which will show on your credit file.  This will enable them to calculate the level of risk of providing credit based on the application details, this creates a footprint and allows other lenders to see when and how many times your credit information has been accessed.

We may also use the information we collect to evaluate and improve our business, including developing new products and services and analyzing the effectiveness of products and services.  To perform data analysis, market and consumer research, trend analysis, demographic analysis and financial analysis.

Information we share

We do not sell or share information about you that we collect except as described below:

Affiliates, Dealers and Finance Companies who will use the information in accordance with their own privacy policies.

Our service providers. We may engage third parties to provide the services offered through or in connection with the sites on our behalf. We require such providers to maintain information about you as confidential and to use the information only to perform the services specified by us in a manner consistent with this privacy policy.

Other.  We may access or disclose information to; protect or defend our interests and the legal rights or property of Car Loans Express and our affiliates, protect the rights interests safety and security of users of the sites or members of the public, protect against fraud money laundering or risk management purposes, comply with prudent legal practice as we may determine and applicable law or legal process.

Links from our website to other external websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the privacy and protection of any personal information which you provide whilst visiting such sites and such sites are not governed by this/our privacy statement.  You should exercise caution and look at the privacy policy statement applicable to the other website.

Website Cookies

A ‘cookie’ is a message which asks permission to be placed on your computer’s web browser.  Your web browser then stores the message in a text file on your computer.  Each time the browser requests a page from the servicer, this message is sent back.  A cookies objective is to identify users and personalise their visit be customising web pages for them; for example, by welcoming them by name next time they visit the same site.

A cookie cannot read data from your hard drive or read cookie files created by other sites, damage your system, run programmes on your computer or deliver viruses.  A cookie does not give us access to your computer or any personal information about you, other than the data you choose to share with us. You can make the choice to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your own computers browser settings to decline or disable cookies. However, this may prevent you from taking full advantage of our website.  There are 2 types of cookies:

Session cookies; Used to keep track of information needed by a user and their browser on their journey trough a website.  We do not use this type.

Persistent cookies which remain in your browser for longer and not deleted when your browser is closed.  This is so they retain your preferences for a particular website, allowing those preferences to be used in future browsing sessions. They can be used to analyse users surfing behaviour within the site so that we can improve our services and allow us to prioritise enhancements to our site.  We use Google Analysis which is used to distinguish users.

By continuing to use our website you agree to our use of cookies.  The use of any information we collect through the use of persistent cookies is subject to our Privacy Policy.

Transfer of personal information – abroad

Car Loans Express Ltd will not transfer any of your personal information outside the EU without first obtaining your consent.

Changes to this Privacy Policy

Car Loans Express Ltd may occasionally change its Privacy Policy; any such changes will be shown on this page.

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  • "This is the second time I have used Carloans Express, wouldn't use any other. Get the best deals and best finance packages that main car dealers. Nick and his team are very patient and understanding and are always a phone call / text away. Excellent handling as usual from start to finish. A* service. Have recommended Nick and his team to friends to use and their experience has been exactly the same. Good company, good man... AMAZING car. Thanks guys, see you in 12 months - Billy"

  • "I have used Car Loans Express for my finance for the past 5 years. The service is very personal and I would recommend them to anyone looking for a no-jargon, friendly service."

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Car Loans Express Ltd, Floor 2, Office 21, Boho 6 , Linthorpe Road, Middlesbrough, TS1 1RE  | ©Car Loans Express Ltd 2014 Car Loans Express Ltd is a company registered in England and Wales. Company registration number: 5985650. Registered Company address: Car Loans Express Ltd, Floor 2, Office 21, Boho 6 , Linthorpe Road, Middlesbrough, TS1 1RE. Telephone: 08450 264686. We act as a credit broker not a lender. All finance is subject to status and income. Written Quotation on request. Car Loans Express Ltd 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 Loans Express Ltd is authorised and regulated by the Financial Conduct Authority for consumer credit FCA No. 659136.