WHAT IS THE PURPOSE OF THIS POLICY?
We are committed to protecting the privacy and security of your personal information.
This privacy notice describes how we collect and use personal information about you during and after your relationship with us, in accordance with the General Data Protection Regulation (GDPR).
This notice applies to:
- All Clients
- All Third Parties, Suppliers and Employees with whom we have dealings in the ordinary course of our business including those individuals with whom we send marketing information regarding or vehicle leasing and credit sale products
Any reference to ‘You’ or ‘Data Subject’ shall mean any individual reading this notice for which we hold personal data.
This Privacy Notice also applies to our website.
In many circumstances we hold your data as a “Data Controller”. This means that we are responsible for deciding how we hold and use personal information about you. In some circumstances we may acquire or handle your data as a ‘Data Processor’ which means we have been asked to handle your data by a third party other than yourself and do not directly store your data.
It is important that you read this notice, together with any other privacy notice we may provide on specific occasions when we are collecting or processing personal information about you, so that you are aware of how and why we are using such information.
DATA PROTECTION PRINCIPLES
We will comply with data protection laws including GDPR. This says that the personal information we hold about you must be:
1. Used lawfully, fairly and in a transparent way.
2. Collected only for valid purposes that we have clearly explained to you and not used in any way that is incompatible with those purposes.
3. Relevant to the purposes we have told you about and limited only to those purposes.
4. Accurate and kept up to date.
5. Kept only as long as necessary for the purposes we have told you about.
6. Kept securely.
THE TYPE OF INFORMATION WE HOLD ABOUT CLIENTS
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
There are “special categories” of more sensitive personal data which require a higher level of protection.
During the course of our business relationship with you, we will collect, store, and use personal information about you. This data may include your personal contact details such as your name, title, addresses, telephone numbers and email addresses. We may also retain information regarding your business or personal bank accounts and information relating to you and/or your business/employer. We may request and hold proofs of identity (e.g. Driving licence, passport etc.), proofs of address (e.g. copy utility bill statements) and proofs of income (e.g. bank statements, pay slips). This is not an exhaustive list and we can provide you with full details of exactly what information we hold on request.
We will not ordinarily collect, store and use any data which is defined under GDPR as “special categories” of more sensitive personal information or information relating to minors.
WHY WE HOLD INFORMATION ON CLIENTS – OUR LAWFUL BASIS FOR PROCESSING
It is necessary for us to retain data on clients in order for us to fulfil our contractual obligations, including the making of credit applications to third party credit providers and the making of logistical arrangements with vehicle suppliers (Contract); and we must also hold data for our legitimate business needs (Legitimate Interests). We may additionally, and for specific promotion/marketing use, request personal information from you (Consent).
The information you provide will be used to contact you when necessary, for instance, to offer services that you may find helpful (provided you have not opted out to receive such services). We may additionally use personal information supplied for the purposes of applying for credit to a third party principal credit provider, but will only do so with the express approval of an applicant or an applicant’s representative and in conjunction with a completed credit application for the relevant applicant. This application may require the provision of personal data which will be used by an underwriter to determine the ability of you/the lessee/the borrower to make the repayments. Searches may be conducted with credit reference agencies and a record of these searches will be recorded against the credit information of the individuals searched. We will ask only for information necessary to determine the identity of the applicant/s and details of income or proof of trading necessary to assess ability to meet the commitment of any proposed contract/s.
We will not disclose your data to the third parties unless you have consented for us to do so or we are otherwise required to do either contractually or under another law or enactment.
HOW WE COLLECT PERSONAL INFORMATION
We collect personal information about clients from the information Clients provide to us directly and what information may be held publicly, for instance with Companies House, and from general market research. We may sometimes collect additional information from third parties including credit reference agencies or other background check agencies or credit agencies if deemed necessary.
We may collect additional personal information in the course of our contract or business dealings with you. This information may include, but is not limited to:
- Information about your contract performance;
- Company accounts, profit and loss / turnover / revenue statistics;
- Information regarding your employees.
Some of the above data is not covered by GDPR but we have provided information on this to you for your records.
HOW WE WILL USE INFORMATION ABOUT CLIENTS
We will only use your personal information when the law allows us to. Most commonly, we will use your personal information in the following circumstances:
1. Where we need to engage in the business relationship we have with you.
2. Where we need to comply with a legal obligation.
3. Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal information in the following situations, which are likely to be rare:
1. Where we need to protect your interests (or someone else’s interests).
2. Where it is needed in the public interest (or for official purposes).
SITUATIONS IN WHICH WE WILL USE YOUR PERSONAL INFORMATION
We need all the categories of information in the list above primarily to allow us to perform our contract with you and to enable us to comply with legal obligations. In some cases we may use your personal information to pursue legitimate interests of our own or those of third parties, provided your interests and fundamental rights do not override those interests. The situations in which we will process your personal information are listed below.
- Administering the contract we have entered into with you or brokered with a third party principal provider.
- Business management and planning, including accounting and auditing.
- Conducting performance reviews, managing performance and determining performance requirements.
- Dealing with legal disputes involving you.
- To prevent fraud.
- To market other products or services which we offer which may be of interest to you
- To inform you about updates about the Company, marketplace developments and advise you of an opportunities or promotions, including discount offers, news and training emails via Mailchimp.
Some of the above grounds for processing will overlap and there may be several grounds which justify our use of your personal information.
In certain circumstances listed above, we hold your data in order to market other services to you. We have a legitimate business interest in retaining your data for this purpose but you may ‘opt out’ of receiving marketing communications from us.
We may exchange your personal information if all, or substantially all, our assets are merged or acquired by a third party, or we expand or re-organise our business, in which case your personal information may form part of the transferred or merged assets or we may need to transfer your information to new entities or third parties through which our business will be carried out.
IF YOU FAIL TO PROVIDE PERSONAL INFORMATION
If you fail to provide certain information when requested, we may not be able to perform the contract we have entered into with you or we may be prevented from complying with our legal obligations.
CHANGE OF PURPOSE
We will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need to use your personal information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal information without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
THE TYPE OF INFORMATION WE HOLD ABOUT INDIVIDUALS OTHER THAN CLIENTS AND HOW THIS DATA IS USED
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
During the course of our day to day basis we acquire information regarding individuals other than our Clients and we will retain this data where we have a legitimate business reason to do so.
Typically we acquire personal data on individuals other than our clients in the following circumstances:
- Where we have met individuals at networking or other marketing events;
- Where individuals have made enquiries with us regarding possible goods or services but have not subsequently become clients of the business;
- Where we have dealt with individuals in the capacity as suppliers of goods or services to the Company;
- Where we have regular business related dealings with you;
- Data that has come to our attention as a result of our service to you as our Client.
In many circumstances the extent of the data we hold is limited and may be publicly available by way of other websites but usually the information we will retain is limited to:
- Contact information including but not limited to email addresses, contact telephone numbers, business addresses and in some cases personal addresses.
We have a legitimate business interest in retaining this data on the basis that we must retain some personal data on third parties and suppliers in the ordinary course of business. We may also use this data to send marketing information to you in respect of promotions, events or other updates relating to us. We have a legitimate interest in retaining your data for this purpose however you have the right to ask us to erase or rectify your data and the right to opt out of receiving marketing information.
Automated decision-making takes place when an electronic system uses personal information to make a decision without human intervention. We are allowed to use automated decision-making in the following circumstances:
1. Where we have notified you of the decision and given you 21 days to request reconsideration.
2. Where it is necessary to perform the contract with you and appropriate measures are in place to safeguard your rights.
3. In limited circumstances, with your explicit written consent and where appropriate measures are in place to safeguard your rights.
Your provision of a credit application to Us authorises automated decision-making for the purposes of assessing Your credit-worthiness by third party principal credit providers. You may request that automated decision-making is not used – either verbally or in writing – but this may limit the services or credit providers we are able to introduce you to.
We will share your personal information with third parties where required by law, where it is necessary to administer the working relationship with you, or where we have other legitimate interests in doing so.
We require third parties to respect the security of your data and to treat it in accordance with the law.
Your data is stored on our management systems. In some circumstances beyond our control it is possible that our management systems may store your data outside of the European Union. Where this occurs we will endeavour to ensure that appropriate contracts are in place to ensure that the data is stored in a manner which is compliant with GDPR.
All our third-party service providers and other entities in the group are required to take appropriate security measures to protect your personal information in line with our policies. We do not allow our third-party service providers to use your personal data for their own purposes. We only permit them to process your personal data for specified purposes and in accordance with our instructions.
We may also need to share your personal information with a regulator or to otherwise comply with the law.
TRANSFERRING INFORMATION OUTSIDE THE EU
If we are required to transfer data outside of the EU, we will ensure that we have an express agreement confirming that any entities outside of the EU will comply with GDPR. If you require further information about this protective measure, please contact us by email or in writing.
We have put in place measures to protect the security of your information. Details of these measures are available upon request.
Third parties will only process your personal information on our instructions and where they have agreed to treat the information confidentially and to keep it secure.
We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal information to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal information in accordance with our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.
The transmission of information via the internet is not completely secure. We cannot guarantee the security of your data transmitted online and transmission is made at your own risk. If you communicate with us by email then you assume the risks of such communications being intercepted, not received or delivered or are received by individuals other than the intended recipient. We have installed secure methods for the transfer to us of your personal data outside conventional email transmission methods; please ask us for information on these.
We will only retain your personal information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, Financial Conduct Authority (FCA) regulatory compliance or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
In respect of Client data we will typically hold data relating to our business dealings with You for such a period as reasonably required in order to be able to defend or otherwise deal with any proceedings you may bring against us either in Tort and/or Contract or for the purposes of audit by our industry regulators including the FCA and the British Vehicle Rental and Leasing Association (BVRLA). The Limitation Act 1980 typically provides that legal proceedings for breach of contract or negligence can be brought up to 6 years after the events. We therefore have a legitimate business interest in retaining data beyond this period to a maximum of seven years. We may erase certain personal data which we consider less essential before this period.
RIGHTS OF ACCESS, CORRECTION, ERASURE, AND RESTRICTION
It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your working relationship with us.
YOUR RIGHTS IN CONNECTION WITH PERSONAL INFORMATION
By law you have the right to:
- Request access to your personal information (commonly known as a “data subject access request”). This enables you to receive a copy of the personal information we hold about you and to check that we are lawfully processing it.
- Request correction of the personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you corrected.
- Request erasure of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process or retain it. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).
- Object to processing of your personal information where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
- Request the restriction of processing of your personal information. This enables you to ask us to suspend the processing of personal information about you, for example if you want us to establish its accuracy or the reason for processing it.
- Request the transfer of your personal information to another party.
If you want to review, verify, correct or request erasure of your personal information, object to the processing of your personal data, or request that we transfer a copy of your personal information to another party, please contact us by email or in writing.
Please note that where you ask us to erase, correct, object to process or seek to restrict our processing of data we may refuse your request where we have a legal obligation, contractual or other legitimate business interest to refuse your request. If we refuse your request then we will notify you of this refusal and you will have the right to appeal.
You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
VERIFYING YOUR IDENTITY
We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is an appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.
RIGHT TO WITHDRAW CONSENT
In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact us by email or in writing. Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.
DATA PROTECTION MANAGER
Information Commissioner's Office
Our Data Protection Registration Number is Z7551597.
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CHANGES TO THIS PRIVACY NOTICE
We reserve the right to update this privacy notice at any time, and we will provide you with a new privacy notice when we make any substantial updates. We may also notify you in other ways from time to time about the processing of your personal information.