Privacy Policy

About Us

Car Loan First Limited is a company registered in England & Wales (Registration Number: 15363510).

Car Loan First Limited is authorised and regulated by the Financial Conduct Authority (FCA) and our firm reference number is 1014324.

Car Loan First Limited is registered with the Information Commissioner’s Office (ICO) and our registration number is ZB694598.

We are a company offering credit brokering services within the United Kingdom and our registered address is Car Loan First, C2a, The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR.

Telephone number 01244 727 727.

If you have any questions relating to this policy or to make any data related requests you can do so via the email address dataprotection@carloanfirst.pressifyx.com

Interpretation and Definitions

Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions.
The following definitions shall have the same meaning regardless of whether they appear in singular or plural.

Definitions
For the purposes of this Privacy Policy:
– Account means a unique account created for you to access our Service or parts of our Service.
– Affiliate means an entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
– Company (referred to as “the Company”, “We”, “Us” or “Our”) refers to Car Loan First Limited, Dunnings Bridge Road, Bootle, Liverpool, United Kingdom, L30 6YW.
– Cookies are small files placed on your computer or device that store information about your website activity.
– Country refers to the United Kingdom.
– Device means any device that can access the Service, such as a computer, mobile phone, or tablet.
– Personal Data is any information that relates to an identified or identifiable individual.
– Service refers to the Website and any associated services provided by the Company.
– Service Provider means any natural or legal person who processes the data on behalf of the Company, including third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, or to assist the Company in analyzing how the Service is used.
– Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself.
– Website refers to Car Loan First, accessible from https://carloanfirst.pressifyx.com.
– You means the individual accessing or using the Service, or the company or legal entity on behalf of which such individual is accessing or using the Service.

Collecting and Using Your Personal Data

Types of Data Collected
Personal Data
We collect personal data when you provide it to us directly, such as when you fill out forms, interact with our service, or contact us. This may include:
– Identification details: Name, email address, phone number, and postal address.
– Financial details: Bank account numbers, salary information, loan preferences, etc.
– Usage data: Your IP address, device details, and website activity.

Where we collect personal data from

We collect personal data when you provide it to us directly, such as when you fill out forms, interact with our service, or contact us. This may be via our website, telephone calls, emails or written communication.

We may also receive data from third parties including Lending partners, financial institutions, credit reference agencies, marketing partners, car dealerships, brokers or other marketing partners, authorities and regulators.

Usage Data

Usage Data is collected automatically when you use our Service. This may include information such as:
– Your device’s Internet Protocol address (IP address)
– Your browser type and version
– The pages of our Service that you visit
– The time and date of your visit
– The time spent on those pages
– Unique device identifiers and other diagnostic data

Tracking Technologies and Cookies
We use Cookies to track activity on our Service and store certain information. Cookies are used for purposes such as improving the functionality of our Service and providing personalized experiences.
We may use:
– Session Cookies: Temporary cookies that expire once you close your browser.
– Persistent Cookies: These cookies stay on your device until you delete them or they expire.
– Analytics Cookies: To help us understand how visitors interact with our Service and improve its content.
For more information, please review our Cookie Policy [please link this to our policy].

Consent and Legal Basis for Processing

We will only process your personal data in accordance with the legal bases outlined under data protection laws, including the General Data Protection Regulation (GDPR). The legal bases for processing your personal data include:

– Contractual necessity: We process personal data when it is necessary to perform a contract with you (e.g., processing a car finance application).
– Legal obligation: We process data to comply with legal requirements (e.g., for fraud prevention or regulatory compliance).
– Legitimate interests: We may process data based on our legitimate interests, such as improving our services and offering you tailored financial solutions.
– Consent: Where required, we will seek your explicit consent to process your personal data. This includes consent for receiving marketing communications or data sharing.

Marketing

By providing us with your personal data, you consent to receive marketing communications from us. These may include promotional emails, newsletters, offers, and information about our services.

You can withdraw your consent at any time by:
– Clicking the unsubscribe link in any marketing email you receive from us.
– Contacting us directly at dataprotection@carloanfirst.pressifyx.com

Use of Your Personal Data

We may use your personal data for the following purposes:
– To provide and maintain our Service: We process your data to facilitate and personalize your use of the Service, including providing tailored loan options.
– To manage your Account: This includes activities such as managing your login details and supporting your use of the service.
– For marketing purposes: With your consent, we may send you promotional offers, updates, and information related to your interests.
– To comply with legal obligations: Such as anti-money laundering regulations or fraud prevention.
– For customer support: To respond to inquiries or resolve issues related to your account or our services.

Sharing of Your Personal Data

We may provide your data with third parties in order to carry out our services and fulfil our professional and legal obligations including the following:

• Lenders and financial institutions.
• Insurance companies.
• 3rd parties including our website developer and other web service providers
• Subsidiaries or affiliated companies
• Other credit providers
• Credit Reference Agencies (CRAs)
• Professional advisors and shareholders
• Where necessary to do so or are we requested for legal purposes, by an authority or a regulator.
• For fraud prevention purposes including ID check providers.
• In the event of a sale or transfer of the business

Working with Enquiry Labs, Lenders and Experian

Retention of Your Personal Data

We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal or regulatory requirements. We may retain personal data for a longer period if required by law or for the defense of legal claims.

Data Storage

We store data on UK based secure servers and take adequate and reasonable precautions to keep data secure and protected from unauthorised access, loss, misuse or modification.

Transfer of Your Personal Data

There may be situations where we or a third party may transfer your personal data to, or maintain on, computers located outside the European Economic Area. By using our Service, you consent to this transfer. We take appropriate measures to ensure that your personal data is treated securely in accordance with this Privacy Policy.

Where this is the case, we will carry out checks to make sure that adequate security and data protection processes are in place.

Your Rights Under GDPR

Under the General Data Protection Regulation (GDPR), you have the following rights regarding your personal data:

– Right to Access: You have the right to request access to your personal data that we hold, including details on how it is processed and to obtain a copy of your data.

– Right to Rectification: You have the right to request correction of any inaccurate or incomplete personal data we hold about you.

– Right to Erasure (Right to be Forgotten): You can request that we delete your personal data when it is no longer necessary for the purposes it was collected for, or if you withdraw your consent where consent was the lawful basis for processing.

– Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data in certain circumstances, for example, if you contest the accuracy of the data or object to its processing.

– Right to Data Portability: You have the right to request that we provide your personal data to you, or to another controller, in a structured, commonly used, and machine-readable format.
– Right to Object: You can object to the processing of your personal data based on legitimate interests or the performance of a task in the public interest or in the exercise of official authority. You also have the right to object to direct marketing at any time.

– Right to Withdraw Consent: If we are relying on consent to process your personal data, you have the right to withdraw that consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.
To exercise any of these rights, please contact us at info@carloanfirst.pressifyx.com or via the contact details provided below.

Data Breach Notification

If a data breach occurs that affects your personal data, we will notify you within 72 hours of becoming aware of the breach, as required by the GDPR.

Security of Your Personal Data

We take the security of your personal data seriously and have implemented appropriate technical and organisational measures to protect it. However, please be aware that no method of transmission over the internet is 100% secure.

Children’s Privacy

Our Service does not target individuals under the age of 18, and we do not knowingly collect personal data from children. If we become aware that we have collected personal data from someone under the age of 18, we will take steps to delete that information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make significant changes, we will notify you by email or by posting a notice on our website. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions about this Privacy Policy or your personal data, please contact us:
By email: dataprotection@carloanfirst.pressifyx.com 
By phone: 01244 727 727  
By post: Car Loan First Limited, C2a, The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR