Privacy Notice
We are Simple Car Finance, which is a trading name of Cheshire Motor Traders Ltd. When we
use "We" in this notice we mean us or anyone acting on our behalf, such as our suppliers.
Please read this notice to understand how and why we will process your personal information
in connection with this application. This notice is given in addition to our Privacy
Statement, which covers our processing of personal information more widely than only this
application and contains more details about how we will process your personal information.
Our Privacy Statement is published at https://www.simplecarfinance.co.uk/privacy-statement
and https://www.simplecarfinance.co.uk/fair-processing ,you are encouraged to read both in
full.
We process your personal information including:
The personal information that you give us during an application for or purchase of any
product or service from us, or that you have given to us during a previous application or as
a customer;
The personal information that we obtain about you from the broker, introducer or motor
dealer who helps arrange the application for you;
The personal information that we receive from third parties such as credit reference
agencies and fraud prevention agencies (see below), or tax authorities, where we need to
contact these third parties as part of your application or in servicing your account with
us. We also receive information from your employer where you have provided your employment
details;
The personal information that you give us while servicing your account via our website, in
writing or over the phone; and
The personal information that you give us if you request information or assistance from us
or make a complaint.
We use your personal information as set out in our Privacy Statement and fair processing
notice: https://www.simplecarfinance.co.uk/privacy-statement
https://www.simplecarfinance.co.uk/fair-processing
We use and share your personal information with credit reference agencies We use and share
your personal information for crime and fraud prevention and anti-money laundering: We use
and share your personal information to make decisions about whether and how much to lend to
you: We use your information to recover debts / money which you owe to us:
We share your information with third party lenders: We may share your information if we sell
our business or your Finance agreement: We retain your information in accordance with
applicable laws We or fraud prevention agencies may transfer your personal information
outside of the European Economic Area
We respect your rights
Your personal information is protected by legal rights, which include your rights to: object
to our processing of your personal information; request that your personal information is
erased or corrected; request human intervention if a decision has been made solely on the
basis of automated decision making; request access to your personal information.
For more information or to exercise your data protection rights please, please contact us
You may contact us or make a complaint by following our complaints process.
https://www.simplecarfinance.co.uk/complaints
What personal information we process This personal information includes your:
Name;
Date of birth;
Address, including your address history;
Telephone number;
Email address;
Passport information, driving licence, or national identity card when you provide this as
proof of identity;
Details of expenditure;
Bank details;
Bank statements
Credit history, and records relating to your partner or anyone else you are financially
linked with (we receive this information from the credit reference agencies and fraud
prevention agencies);
Insurance details of the vehicle;
Transaction and debit or credit card information;
Employment/self-employment details;
Income and taxation information;
Information regarding whether you have any dependants;
Identifiers assigned to your computer or other internet connected device including your IP
address;
Information linked to your mobile telephone number;
Details about whether you own your property, rent it or live with others;
Information you make public (for example on social media);
Your proposed or leased vehicle details for motor finance;
Information relating to how you conduct your account and our dealings on it
How we use your personal information
In summary, we use your personal information for the purposes of:
Service provision and internal processing (i.e. to assess and/or provide the Finance
agreement and to service your account, including by way of automated decision making);
Management of relationship (e.g. to develop your relationship with us);
Tracing customers and recovering debts;
Queries/problems (e.g. responding to complaints or contacting you if you do not complete
your application);
Training and service review (e.g. to help us enhance our services);
Statistical analysis (e.g. to help us enhance our products and services); and
Complying with legal obligations (e.g. to prevent, investigate and prosecute crime, fraud
and money laundering - please see below).
We process your personal information to fulfil our contract with you, where we have a
legitimate interest to do so (except where it would override your interests or fundamental
rights and freedoms which require the protection of personal information), where otherwise
permitted by law, or to comply with applicable law and regulation.
Where we or the third parties (including credit reference agencies or fraud prevention
agencies) process your personal information, it will be processed: because we or they need
to do so as a direct consequence of fulfilling your request (for example, to check your
identity in order to consider you for a Finance agreement);
To comply with applicable laws or regulations, or as permitted by applicable law, or on the
basis that we or they have a legitimate interest (for example, managing our risk or
preventing crime, fraud and money laundering), and in order to protect our business.
Sharing with Credit Reference Agencies
Before completing a Finance agreement we will undertake checks with credit reference
agencies for the purposes of assessing whether to lend to you. These checks require us to
process personal information about you and include credit scoring. We continue to undertake
these checks even after we have made a Finance agreement to evaluate our risk.
Credit reference agencies add to the record about you, information about your application
and repayment history, including any default or failure to keep to the terms of an agreement
with us. These records will be shared with other organisations may be used and searched by
us and them to:
Consider applications for credit and credit related services, such as insurance, for you and
any associated person; and trace customers, recover debts, prevent or detect money
laundering and fraud, and to manage accounts.
We use Equifax and/or Call Credit as our credit reference agencies. More information about
the credit reference agencies and how they process your personal information is available
at: www.experian.co.uk/crain and https://www.transunion.co.uk/crain
You can also find information about the credit reference agencies on the website of the
Information Commissioner's Office at https://ico.org.uk/for-the-public/credit
For crime and fraud prevention and anti-money laundering
Before we make a Finance agreement, we undertake checks for the purposes of detecting and
preventing crime, fraud and money laundering, and to verify your identity. These checks
require us to process your personal information with the credit reference agencies or fraud
prevention agencies. We may ask you to provide additional information. We continue to
undertake these checks even after we have given you an account, for the same purposes.
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 or financing to you. If you
have any questions about this, please contact the fraud prevention agencies on the details
below.
We, and fraud prevention agencies, may also enable law enforcement agencies to access and
use your personal information to detect, investigate and prevent crime.
Fraud prevention agencies hold your personal information for up to two years, and if you are
considered to pose a fraud or money laundering risk, your information is held for up to six
years.
The fraud prevention databases we use are provided by: The UK’s Fraud Prevention Service,
Experian and Call Credit. Further information can be found at www.experian.co.uk,
www.callcredit.co.uk/crain,
Automated decision making
As part of the processing of your personal information, some decisions are made by automated
means.
Our processes to verify your identity and undertake checks to detect and prevent money
laundering checks can result in an automated decision. This means we automatically decide
that you pose a fraud or money laundering risk if:
our processing reveals your behaviour to be consistent with that of known fraudsters or
money launderers; or
is inconsistent with your previous submissions; or
you appear to have deliberately hidden your true identity.
In some cases, we also use automated decision making to decide whether to offer you a
Finance agreement and the rate of interest for the Finance agreement, whether we think that
you can afford the Finance agreement and will abide by the terms of any Finance agreement
including whether you will repay the Finance agreement. This will involve us using logic to
process different sources of information about you, such as from credit reference agencies,
as well as our own algorithms to control our risk. Credit scores are produced from data such
as credit commitments, whether you have made repayments on time, whether you have any
history of insolvencies or court judgements, and how long you have lived at your current
address. Our automatic decision may also be affected if we do not have enough statistically
significant data about others who have similar circumstances to you to confidently assess
our risk.
If we make a decision solely on the basis of automated decision making, you have rights and,
for example, you can request human intervention and ask us to reconsider your application.
If you want to know more please contact us.
Debt recovery
If you owe us money, or if we suspect fraud, we may process your personal information in
connection with pursuing the recovery of that money or prevention of that fraud. We disclose
information about non-payment, late payment or suspected or actual fraud to credit reference
agencies, fraud prevention agencies and law enforcement or government agencies in accordance
with the law. We use additional sources of personal information such as data obtained from
providers of debt recovery or anti-fraud information, and we also process other personal
information about you such as CCTV footage and information that you make public.
Third party lenders
In some circumstances we might share your application with other lenders with whom we have a
relationship, in case we do not wish to lend to you but another lender might. We will tell
you before we do this and give you the opportunity to choose whether or not to allow your
information to be shared in this way.
Sell our business or your Finance agreement
If we sell all or part of our business, including your Finance agreement, we will share your
information with the purchaser and organisations acting upon its behalf.
Retain your information
The personal information that you provide is retained by us in accordance with applicable
laws. We take reasonable steps to destroy or anonymise personal information we hold if it is
no longer needed for the purposes set out above.
Transfer outside of the EEA
Whenever we or fraud prevention agencies transfer your personal information outside of the
European Economic Area, we or they impose contractual obligations on the recipients of that
information to protect your personal information to the standard required in the European
Economic Area, or may require the recipient to subscribe to ‘international frameworks’
intended to enable secure data sharing.
DPO
If you are unhappy about how your personal information has been used please contact our data
protection officer using the details set out below. You also have a right to complain to the
Information
Commissioner's Office (https://www.ico.org.uk), which regulates the processing of personal
data.
Our data protection officer can be contacted by telephone or in writing.
Data Protection Officer
Cheshire Motor Traders Ltd The Old Glass Works 37 Canal Street Stockport Cheshire SK1 3BZ
