Automotive Online Ltd T/A Quick Car Finance understands that your privacy is important to you and that you care about how your personal data is used. [We] respect and value the privacy of everyone who visits this website, www.quickcarfiance.co.uk (“[Our] Site”) and will only collect and use personal data in ways that are described here, and in a way that is consistent with [our] obligations and your rights under the law.
Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
means an account required to access and/or use certain areas and features of [Our] Site;
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 Part 14, below; and
means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;]
[Our] Site is [owned and] operated by Automotive Online Ltd T/A Quick Car Finance, a Limited Company [registered in England under company number 07968386].
[Registered address: This Work Space, 18 Albert Road, Bournemouth, BH1 1BZ]
[Main trading address:] 128-130 Seabourne Road, Bournemouth, BH5 2HZ.
[VAT number: 130409847.]
[Contact: Paul Williams.
Email address: [email protected]
Telephone number: 01202 286500.
Postal Address: This Work Space, 18 Albert Road, Bournemouth, BH1 1B.]
[[We are] regulated by The Financial Conduct Authority, Licence Number 764855. We act as a broker, not a lender]
Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.
Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
Under the GDPR, you have the following rights, which we will always work to uphold:
’For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided below.
Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.
If you have any cause for complaint about [our] OR [my] use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office.
Depending upon your use of [Our] Site, [we] may collect some or all of the following personal [and non-personal] data via our online application form:
[Date of birth;]
[Address and residential status;]
[Job title and employment information;]
[Information about your preferences and interests;]
[Web browser type and version;]
[A list of URLs starting with a referring site, your activity on Our Site, and the site you exit to;]
Under the GDPR, we must always have a lawful basis for using personal data. This may be because the data is necessary for our performance of a contract with you, because you have consented to our use of your personal data (if you wish to withdraw your consent please use the above contact details), or because it is in our legitimate business interests to use it. Your personal data may be used for the following purposes:
[Providing and managing your Account;]
[Providing and managing your access to Our Site;]
[Personalising and tailoring your experience on Our Site;]
[Supplying our products and services to you. Your personal details are required in order for us to enter into a contract with you.]
[Personalising and tailoring our products and services for you.]
[Communicating with you. This may include responding to emails or calls from you.]
[Supplying you with information by email, SMS, and post that you have opted-in to (you may unsubscribe or opt-out at any time by contacting us via any of the means above).]
[Analysing your use of Our Site and gathering feedback to enable us to continually improve Our Site and your user experience.]
[Carrying out a credit check via a third parties in order to access your likelihood of being approved for credit with one of the lenders we work with]
[With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email and telephone and text message and post with information, news, and offers on our products and services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out.] Third Parties (including BlueOwl Network Ltd T/A Autoconver.co.uk) whose content appears on [Our] Site may use third-party Cookies, as detailed below. Please note that [we] do not control the activities of such third parties, nor the data that they collect and use themselves, and [we] advise you to check the privacy policies of any such third parties. [We] use the following automated system[s] for carrying out certain kinds of [decision-making] AND/OR [profiling]. If at any point you wish to query any action that [we] take on the basis of this or wish to request ‘human intervention’ (i.e. have someone review the action themselves, rather than relying only on the automated method), the GDPR gives you the right to do so. Please contact us to find out more using the details in Part 15.
[The following automated decision-making method(s) may be used: Checking the criteria of our lending panel against information you have supplied to determine the likelihood of an application for car finance being accepted by one of the lender we work with. Sending information to a 3rd party credit reference agency or company to determine a soft search credit score. This is to further determine the likelihood of being accepted with one of our lender panel before a full application is propped to them.
Submitting an application through to a lender via an API (Application Programming Interface) for a fast decision.
[The following automated profiling may take place:
Using you’re the data provided on your application we may look to market specific products or services to you. We want to make marketing relevant and data you provide can help us choose which products and services may be most suitable. (Example: If you have dependants and are looking for a family vehicle we could send you details of family vehicles as they come into stock).
We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Your personal data will therefore be kept for the following periods (or, where there is no fixed period, the following factors will be used to determine how long it is kept):
Full application details will be kept until it is determined that you are no longer interested in our products and services.
The maximum length your information will be kept will be 7 years. After this point your information will be confidentially destroyed.
We will only store or transfer your personal data in the UK. This means that it will be fully protected under the GDPR. Please note third parties we work with may keep data outside of an approved EEA state, whilst we carry out thorough due diligence on firms, we recommend reading their privacy policies.
Please contact us using the details below for further information about the particular data protection mechanism used by us when transferring your personal data to a third country.]
The security of your personal data is essential to us, and to protect your data, we take a number of important measures, including the following:
SSL secure site
Dedicated encrypted CRM systems
[[[We] may share your personal data with other companies in [our] group for them to contact you regarding specific products or services you have expressed an interest in. This includes [subsidiaries] AND/OR [[our] holding company and its subsidiaries.]]
[[We] may sometimes contract with the following third parties to supply certain [products] AND/OR [services]. These may include payment processing, delivery, and marketing. In some cases, those third parties may require access to some or all of your personal data that [we] hold.
Our CRM system, AutoConvert (Blue Owl Network Ltd) will check the following records about you and with their chosen Credit Reference Agencies (CRA), Equifax Ltd and Experian Ltd. We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime
When Equifax and/or Experian receives a search request from us via AutoConvert, they will place a soft quotation footprint that will be visible to you only, on your credit file; other parties including lenders will not see this. This quotation footprint will not be seen by other parties and it will not affect your credit score/rating or ability to apply for finance from other lenders (please note that when lenders conduct these searches with CRA’s, it may leave a footprint). AutoConvert will access from Equifax Ltd and/or Experian Ltd both public (including the electoral register) and shared credit and fraud prevention information. This information will be used to check your eligibility against a select group of lenders
We will not see any information on your credit file, AutoConvert will only provide a list of lenders that you are likely to be accepted for given the information supplied using their brokering technology that understands most of the acceptance criteria of the lenders on their panel.
If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
You can contact CRA’s on the below:
For further information on Credit Reference Agencies and how they will use your data, please refer to their Credit Information Notice: Credit Reference Agency Information Notice (CRAIN) | Experian
The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by our finance partners and these fraud prevention agencies, can be found in the above privacy links.
Please note that your information will also be shared with the party that you are looking to obtain a vehicle or other such product from. The purpose of sharing this information is so they can raise the necessary documentation, and liaise with you regarding collection of your product. Throughout the process we may also have to pass along further details for e.g a complaint has been risen and we need to dicuss further details, you would like to refinance a product etc. Please note these are examples and not an exhaustive list. We will never share information for which a third party has no use in your finance journey with ourselves.
If any of your personal data is required by a third party, as described above, [we] will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, [our] obligations, and the third party’s obligations under the law, as described above in Part 9.]
[If any personal data is transferred outside of the EEA, [we] will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR, as explained above in Part 9.]
In some limited circumstances, [we] may be legally required to share certain personal data, which might include yours, if [we are] involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.]
In addition to your rights under the GDPR, set out in Part 5, when you submit personal data via [Our] Site, you may be given options to restrict [our] use of your personal data. In particular, [we] OR [I] aim to give you strong controls on [our] OR [my] 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] OR [SMS’s] 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.
You may access [certain areas of] [Our] Site without providing any personal data at all. [However, to use all features and functions available on [Our] Site you may be required to submit or allow for the collection of certain data.]
If you want to know what personal data [we] have about you, you can ask [us] for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.
All subject access requests should be made in writing and sent to the email or postal addresses detailed in this policy. [To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell [us] everything [we] need to know to respond to your request as quickly as possible.]
There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover [our] administrative costs in responding.
[We] will respond to your subject access request within [20 days and, in any case, not more than] one month of receiving it. Normally, [we] aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date [we] receive your request. You will be kept fully informed of [our] progress.
By using [Our] Site, you may also receive certain third-party Cookies on your computer or device. Third-party Cookies are those placed by websites, services, and/or parties other than [us] Third-party Cookies are used on [Our] Site for Analytics. For more details, please refer to the table below. These Cookies are not integral to the functioning of [Our] Site and your use and experience of [Our] Site will not be impaired by refusing consent to them.
All Cookies used by and on [Our] Site are used in accordance with current Cookie Law.
Before Cookies are placed on your computer or device, you will be shown a pop up message requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling [us] to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of [Our] Site may not function fully or as intended. [You will be given the opportunity to allow only first-party Cookies and block third-party Cookies.]
[Certain features of [Our] Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown in the table below. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below, but please be aware that [Our] Site may not work properly if you do so. [We] have taken great care to ensure that your privacy is not at risk by allowing them.]
The following first-party Cookies may be placed on your computer or device:
|Name of Cookie||Purpose||Strictly Necessary|
Make our website work as you'd expect
Save you having to login every time you visit the site
Remember your settings during and between visits
Improve the speed/security of the site
Personalise our site to you to help you get what you need faster
Continuously improve our website for you
Make our marketing more efficient (ultimately helping us to offer the service we do at the price we do)
Determining if you are logged in or not
Remembering if you have accepted our terms and conditions
Showing you which pages you have recently visited
Tailoring content to your needs
and the following third-party Cookies may be placed on your computer or device:
|Name of Cookie||Provider||Purpose|
[Our] Site uses analytics services provided by Google. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling [us] to better understand how [Our] Site is used. This, in turn, enables [us] to improve [Our] Site and the [products] AND/OR [services] offered through it.
The analytics service(s) used by [Our] Site use(s) Cookies to gather the required information. You do not have to allow [us] to use these Cookies, however whilst [our] use of them does not pose any risk to your privacy or your safe use of [Our] Site, it does enable [us] to continually improve [Our] Site, making it a better and more useful experience for you.
The analytics service(s) used by [Our] Site use(s) the following Cookies:
|Name of Cookie||First / Third Party||Provider||Purpose|
|Analytics||Third PartyAn||To better understand how people have found site.|
In addition to the controls that [we] provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third-party Cookies. By default, most internet browsers accept Cookies, but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.]
To contact [us] about anything to do with your personal data and data protection, including to make a subject access request, please use the following details [(for the attention of Paul Williams)]:
Email address: [email protected]
Telephone number: 01202 286500 .
Postal Address: Quick Car Finance, This Work Space, 18 Albert Road, Bournemouth, BH1 1B
To contact third party providers please use the following details:
Equifax Ltd, Customer Services Centre, PO Box 10036, Leicester, LE3 4FS or call 0800 014 2955 or log on to
Autoconvert.co.uk, The Granary, 50 Barton Road, Worsley, Greater Manchester, M28 2EB. www.autoconvert.co.uk
Advantage Finance Ltd, 2 Stratford Court, CO S&U PLC Cranmore Boulevard, Shirley, Solihull, B90 4QT
Moneybarn No1 Limited, The New Barn, Bedford Road, Petersfield, GU32 2LJ.
Oodle Financial Services Limited, One Callaghan Square, Cardiff, CF10 5BT
Blue Motor Finance Ltd, Darenth House, 84 Main Road, Sundridge, Kent, TN14 6ER
1st Stop Finance Ltd, 10 Whitehills Business Park, Blackpool, FY4 5LW
Mallard Leasing Limited, Hophouse, Maltings Park, West Bergholt, Colchester, CO6 3TJ
Amigo Loans Ltd, Nova Building, 118-128 Commercial Road, Bournemouth, BH2 5LT.
Go Car Credit Limited, 1st Floor, Chadwick House, Birchwood Park, Warrington, WA3 6AE
CLS Finance Ltd, Unit 2, Alexandra Street, Hyde, Cheshire, SK14 1DX
PCF Bank Limited, Pinners Hall, 105-108 Old Broad Street, London, EC2N 1ER
Mechanical Breakdown and General insurance Services ltd
Automoney Motor Finance,25-27 Surrey, Norfolk, NR1 3NX
Close Borthers Motor Finance, 10 Crown Place, London, EC2A 4FT
[We] may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if [we] change [our] business in a way that affects personal data protection.
17. A condensed guide to the use of your personal information by ourselves, 3rd parties and at Credit Reference and Fraud Prevention Agencies
1) When you apply for finance with us Quick Car Finance, your details will be passed into a 3rd party company BlueOwl Network Ltd T/A Autoconvert.co.uk(contact details below), this organisation will check the following records about you and with their chosen Credit Reference Agency (CRA), Equifax Ltd(contact details below)
a) Our own;
c) Those at Equifax Ltd.When Equifax receives a search request from us via Autoconvert, they will place a soft quotation footprint that will be visible to you only, on your credit file, other parties including lenders will not see this. This quotation footprint will not be seen by other parties and will not affect your credit score/rating or ability to apply or finance from other lenders.
d) Autoconvert.co.uk will access from Equifax Ltd both public (including the electoral register) and shared credit and fraud prevention information. This information will be used to check your eligibility against a select group of lenders.
e) We will not see any information on your credit file, Autoconvert.co.uk will only provide a list of lenders that you are likely to be accepted for given the information supplied using there brokering technology that understands most the acceptance criteria of the lenders on their panel.
f) Those at fraud prevention agencies (FPAs).
We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime.
2) Information on applications will be sent to CRAs and will be recorded by them.
3) If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
4) Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances when required by law or where permitted under the terms of the Data Protection Act 1998.
How to find out more
You can contact our chosen 3rd Party, BlueOwl Network Ltd T/A Autoconvert.co.uk or the Credit Reference Agency, Equifax; the information they hold may not be the same so it is worth contacting them all.
All other third parties can be found on the information above.
You can lodge a complaint with us directly by contacting us on one of the above contact details.
You also have the right to lodge a complaint directly with the Information Commissioner’s Office (ICO).
The ICO are the regulator who makes sure that 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/concerns/ or calling the ICO on 0303 123 1113.