Bad Credit Car Finance

Use of Your Data

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Introduction

We are CR Services Limited (company number 05432745) and we are the data controller in respect of your personal data. This policy explains when and why we collect personal data, how this information is used, the conditions under which it may be disclosed to others, and how it is kept secure. If you have any queries about our handling of your personal data, we can be contacted by writing to us at Customer Services, Unit 2, Alexandra Street, Hyde SK14 1DX or by email to [email protected]

This policy explains how we will use the personal data that you provide to us when you apply for motor finance via an online application, through a credit broker, when you contact us directly, or that we have obtained about you through our use of your information when you make such an application.

Where this policy refers to "we", "our" or "us", unless it mentions otherwise, it's referring to CR Services Limited. Where this policy refers to "you" it's referring to the person applying for motor finance.

CLS Finance Ltd (“CLS”) is a provider of motor finance to consumers and are our chosen funding partner. We will submit your application for motor finance to CLS for their consideration.

What personal data we collect and how we collect it

The personal data you have provided to us: This is information about you that you give to us when you visit our website and further data that we subsequently collect from you by telephone. Once you have provided initial data via our website, we’ll contact you by telephone to collect further data from you and discuss your application. This consists of the following categories of information:

  • Name
  • Email address
  • Telephone number
  • Postcode
  • Date of birth
  • Residential address and address history
  • Contact details such as email address and telephone numbers
  • Financial information
  • Employment details
  • Vehicle details

The personal data we may receive from other sources: We obtain certain personal data from credit reference and fraud prevention agencies. Please see "Use by credit reference and fraud prevention agencies" below for further information.

If you fail to provide us with any mandatory information that we request from you, we will not be able to proceed with the credit reference and fraud prevention checks described below and, subsequently, we will not be able to proceed with your application for finance.

How we use your personal data

The purposes for which we use your data and the legal basis under data protection laws on which we rely to do this are as follows:

  • Passing on your application to CLS Finance Limited or taking steps to do so. We will use personal data relating to you which we acquire in connection with any application for motor finance, to verify your identity and assess your application.
  • Our legitimate interests or that of a third party. This includes:
    • to assess and process your application for finance;
    • to administer and manage your relationship between us including for customer service purposes;
    • making decisions about you on credit facilities offered by CLS;
    • preventing fraud and money laundering, and to verify your identity, in order to protect our business and that of CLS and to comply with laws that apply to us and CLS;
    • to comply with a request from you in connection with the exercise of your rights (for example where you have asked us not to contact you for marketing purposes, we will keep a record of this on our suppression lists in order to be able to comply with your request);
    • carrying out statistical analysis to help with decisions about credit and about credit fraud;
    • monitoring communications between us to prevent and detect crime, to protect the security of our communications, systems and procedures, and for quality control and training purposes;
    • for marketing activities (other than where we rely on your consent to contact you with information about our services and products or share your details with third parties to do the same, as explained below);
    • to develop, test, monitor and review the performance of products, services, internal systems and security arrangements; and
    • for assessing the quality of our service and to provide staff training within the business.
  • Compliance with a legal obligation. This includes when you exercise your legal rights under data protection law, to verify your identity, for the establishment and defence of our legal rights, for activities relating to the prevention, detection and investigation of crime, to conduct credit, fraud prevention and anti-money laundering checks and for compliance with our legal and regulatory responsibilities. It may also include processing special categories of data about you, for example for our compliance with our legal obligations relating to vulnerable people.
  • Consent. When we submit a referral of yours for finance, we may contact you via post, email and SMS with information about similar services. Please see "Marketing preferences" below for further information. You have the right to withdraw your consent for us to use your information in this way at any time. Please see "Withdrawing your consent" for further details.

Use by credit reference and fraud prevention agencies

In order to process your application, CLS will perform credit and identity checks on you with one or more credit reference agencies (CRAs). To do this, CLS will supply your personal information to CRAs and they will give CLS information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to CLS both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information. When CRAs receive a search from CLS they will place a search footprint on your credit file that may be seen by other lenders.

CLS will use this information to:

  • assess your creditworthiness and whether you can afford to take the product you have applied for;
  • verify the accuracy of the data you have provided to us or to it;
  • prevent criminal activity, fraud and money laundering;
  • manage your account(s);
  • trace and recover debts; and
  • ensure any offers provided to you are appropriate to your circumstances.

CLS will continue to exchange information about you with CRAs while you have a relationship with it. CLS will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.

If you are making a joint application, or tell us that you have a spouse or financial associate, we and CLS will link your records together, so you should make sure you discuss this with them, and share with them this information, before making an application to us. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at www.experian.co.uk/crain/index.html and/or www.transunion.co.uk/crain and/or www.equifax.co.uk/crain.html

Before we or CLS provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. These checks require us to process your information. If we, CLS, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we or CLS may refuse to provide the services and financing you have requested or we may stop providing existing services to you. A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us using the details above.

Use by third parties

We disclose your information to the following third parties:

  • CLS, for the purposes outlined in this policy.
  • To other corporate entities within our corporate group. We may pass on your details to any company within our group in the ways set out in the "How we use your personal data" section and for internal processes such as internal audits.
  • Credit reference, fraud prevention agencies, anti-money laundering agencies and/or counter-financial crime organisations to conduct identity and money laundering checks (as detailed above).
  • HMRC, government authorities, regulatory or law enforcement agencies if we are required by law to disclose it in connection with the detection of crime, the collection of taxes or duties, to enforce or apply the terms of our contracts, to protect the rights, property or safety of our visitors and clients, in order to comply with any applicable law or order of a court, or in connection with legal proceedings.
  • Third party service providers, agents and sub-contractors acting on our behalf. This may also include providers of data storage and database hosting services, IT hosting, IT software and maintenance services, professional advisors, and third parties that provide income verification services, affordability checks and communication fulfilment services.
  • Courts in the United Kingdom or abroad as necessary to comply with a legal requirement, for the administration of justice, to protect vital interests and to protect the security or integrity of our business operations. 
  • Any third party who is restructuring, selling or acquiring some or all of our business or assets or otherwise in the event of a merger, re-organisation or similar event.

These third parties may share your information with us, which we will use in accordance with this policy. In some cases, in particular with CLS, they will be acting as a controller of your information and therefore you should read their privacy policy in these instances.

When we use third party service providers, we only disclose to them any personal data that is necessary for them to provide their service.

Where we will store your data / data transfers to third parties

We store your personal data on servers located within the European Economic Area (EEA). If at any time we transfer your personal data to, or store it in, countries located outside of the EEA (for example, if our hosting services provider changes) we will ensure that appropriate safeguards are in place for that transfer and storage as required by applicable law.

The third parties listed under "Use by third parties" may be located outside of the EEA or they may transfer your information outside of the EEA. Those countries may not have the same standards of data protection and privacy laws as in the UK. Whenever we transfer your information outside of the EEA, we impose contractual obligations on the recipients of that information to protect your personal data to the standard required in the UK. Any third parties transferring your information outside of the EEA must also have in place appropriate safeguards as required under data protection law.

Whenever fraud prevention or credit reference agencies transfer your personal data outside of the EEA, they impose contractual obligations on the recipients of that data to protect your personal data to the standard required in the EEA. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.

Retention of your personal data

If we collect your personal data, the length of time we retain it is determined by a number of factors including the purpose for which we use that information and our obligations under other laws. We do not retain personal information in an identifiable format for longer than is necessary.

We keep your data for 6 years or as long as necessary to deal with any queries you may have.

Fraud prevention agencies can hold your data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to 6 years. Credit reference agencies will retain the account information that we give to them for 6 years after your account is closed. Please see "Use by credit reference and fraud prevention agencies" for more information about the information that we give to them.

We may hold your information for a longer or shorter period from that described above where:

  • the law requires us to hold your personal information for a longer period, or delete it sooner;
  • we need your personal information to establish, bring or defend legal claims;
  • you exercise your right to have the information erased (where it applies) and we do not need to hold it in connection with any of the reasons permitted or required under the law; and
  • in limited cases, the law permits us to keep your personal information indefinitely provided we put certain protections in place.

Your rights

You have a number of rights in relation to your personal data under data protection law. In relation to certain rights, we may ask you for information to confirm your identity and, where applicable, to help us to search for your personal data. Except in rare cases, we will respond to you within one month after we have received this information or, where this is not required, after we have received your request.

  • To be informed about the processing of your information. This is what this privacy notice sets out to do.
  • Object to our processing of your personal data. Where we rely on our legitimate business interests as the legal basis for processing your personal data for any purposes, as set out under "How we use your personal information", you may object to us using your personal data for these purposes by emailing or writing to us at the address above. Except for the purposes for which we are sure we can continue to process your personal data, we will temporarily stop processing your personal data in line with your objection until we have investigated the matter. If we agree that your objection is justified in accordance with your rights under data protection laws, we will permanently stop using your data for those purposes. Otherwise we will provide you with our justification as to why we need to continue using your data. You may object to us using your personal data for direct marketing purposes and we will automatically comply with your request. If you would like to do so, please contact us using the details above or email [email protected].
  • Request that your personal data is erased or restricting its processing.In certain circumstances, you may ask for your personal data to be removed from our systems by emailing or writing to us at the address above. Provided we do not have any continuing lawful reason to continue processing or holding your personal data, we will make reasonable efforts to comply with your request. You may also ask us to restrict processing your personal data where you believe it is unlawful for us to do so, you have objected to its use and our investigation is pending or you require us to keep it in connection with legal proceedings. We may only process your personal data whilst its processing is restricted if we have your consent or are legally permitted to do so, for example for storage purposes, to protect the rights of another individual or company or in connection with legal proceedings.
  • Withdrawing your consent. Where we rely on your consent as the legal basis for processing your personal data, as set out under "How we use your personal data", you may withdraw your consent at any time by contacting us using the details above. If you withdraw your consent, our use of your personal data before you withdraw is still lawful. If you would prefer not to be contacted with marketing information you may opt out by writing to us at the above address or email [email protected].
  • Correcting and updating your personal data. The accuracy of your information is important to us and we are working on ways to make it easier for you to review and correct the information that we hold about you. In the meantime, if you change your name or address/email address, or you discover that any of the other information we hold is inaccurate or out of date, please let us know by contacting us on the details provided above.
  • Request access to your personal data. You have the right to ask for a copy of the information that we hold about you by emailing or writing to us at the address above. We may not provide you with a copy of your personal data if this concerns other individuals or we have another lawful reason to withhold that information.
  • Transferring your personal data in a structured data file. Where we rely on your consent as the legal basis for processing your personal data or need to process it in connection with a service that we have agreed to provide to you, you may ask us to provide you with a copy of that information in a structured data file. We will provide this to you electronically in a structured, commonly used and machine readable form, such as a CSV file. You can ask us to send your personal data directly to another service provider, and we will do so if this is technically possible. We may not provide you with a copy of your personal data if this concerns other individuals or we have another lawful reason to withhold that information.

For more information or to exercise your data protection rights, please contact us using the contact details above.

Customer complaints

If you have concerns about the way we have handled your personal data, we encourage you to contact us and we will seek to resolve any issues or concerns you may have.Please refer to our complaints policy at [email protected].You will also find our contact details above. You have the right to complain to the Information Commissioner's Office (ICO) if you are concerned about the way we have processed your personal data. Please visit https://ico.org.uk/ for further details.

Changes to this policy

We may review this policy from time to time and any changes will be notified to you in writing. Any changes will take effect 7 days after the date of our notification. If you do not agree with any aspect of the updated policy you must immediately notify us and cease using our services.

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