We are committed to safeguarding the privacy of our website visitors and the data they supply at the time of an online Car Finance loan application.
We ask that you read this policy carefully as it contains important information about how we will treat your personal information.
The personal information submitted to us via this website will be used to enable the application for a car Loan to be made via our website in real time and for the purposes specified in this privacy policy of this website. If we are unable to offer a suitable loan we may offer your details to a broker or specialist debt company.
Your personal information submitted with the application will be passed in real time to our either our sales team or a partner broker specialist who are FCA regulated.
Should your application be unsuccessful, duplicated or declined your personal information maybe shared with an alternative specialists broker team who will contact you directly via Telephone, SMS and / or email to discuss your application. (each lender will have a privacy policy in place, we are not responsible for third party policies.)
We will NOT share your data / personal information with any company / lender other than loan specialists, claims management or debt management company listed below.
Currently the companies / lenders recognised and who we may send applications to are listed:
luvcarloans.co.uk (specialist Broker)
If a guarantor loan is a suitable option:
George Banco
Buddy Loans
Trust Two
Bamboo Loans
Talk Loans
UK Credit
Guarantor My Loan
1Plus1 Loans
Amigo Loans
TFS Loans
If you believe you have been mis-sold a product we suggests speaking to the lender / broker directly, alternatively contact a claims management company for advice.
If you are struggling with repaying your current debts, applying for another loan may not be the best option and you should speak to a debt adviser. We may contact you with details of companies like Clear Introduction Ltd or Step Change.
We may use your personal information to:
a) help us identify you;
b) administer the website;
c) carry out research, statistical analysis and behavioural analysis;
d) improve your browsing experience by personalising the website;
e) enable your use of the services available on the website;
f) carry out customer profiling and analysing preferences;
g) notify you of any changes to this website or to our services which may affect you;
h) send you general (non-marketing) commercial communications;
i) send you email notifications which you have specifically requested;
j) send to you our newsletter and / or other marketing communications relating to our business which we think may be of interest to you by post or, where you have specifically agreed to this, by email at anytime you can inform us at any time if you no longer require marketing communications and your details will removed. [email protected];
k) deal with enquiries and complaints made by or about you relating to the website;
l) other uses to enhance the website and its use
We may collect, store and use the following kinds of personal information:
a) any other information that you choose to send to us including, for example, postal address, email address, telephone number.
b) information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any application made.
c) information that you provide to us for the purpose of registering with us if you confirm by ticking the relevant box giving consent to contact you with new Loan related products including any miss-selling claims;
d) information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters;
e) information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, website navigation and more);
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information. We will store all the personal information you provide on our secure (password- and firewall- protected) servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.
Whilst we will use reasonable efforts to safeguard your personal data, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data which are transferred from you or to you via the internet.
Use of cookies
A cookie consists of information sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser. We may use both “session” cookies and “persistent” cookies on the website and they are used for purposes including tracking visitor use of the website; recognising you whenever you visit this website; obtaining information about your preferences, online movements and use of the internet; carrying out research and statistical analysis to help improve our content, products and services and to help us better understand our visitor requirements and interests; targeting our marketing and advertising campaigns more effectively; and making your online experience more efficient and enjoyable. Session cookies will be deleted from your computer (or other electronic device) when you close your browser. Persistent cookies will remain stored on your computer (or other electronic device) until deleted, or until they reach a specified expiry date.
Third-Party cookies
We work with third-party suppliers who may also set cookies on our website. These third-party suppliers are responsible for the cookies they set on our site. If you want further information please go to the website for the relevant third party. For example, we use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users’ computers (or other electronic devices). The information generated relating to our website is used to create reports about the use of the website. For example, the information will show us how visitors found and explored our site, and how we can enhance their experience. It provides us with information about the behaviour of our visitors (e.g. how long they stayed on the site, the average number of pages viewed) and also tells us how many visitors we have had. Google will store this information. Google’s privacy policy is available at: http:// www.google.com/privacypolicy.
Consent
In most cases we will need your consent in order to use cookies on this website. The exception is where the cookie is essential in order for us to provide you with a service you have requested. There is a notice on our home page which describes how we use cookies and which also provides a link to our cookie policy. If you use this website after this notification has been displayed to you we will assume that you consent to our use of cookies for the purposes described in this privacy policy.
How to turn off cookies
Most browsers allow you to reject all cookies, whilst some browsers allow you to reject just third party cookies. For example, in Internet Explorer you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector. Blocking all cookies will, however, have a negative impact upon the usability of many websites, including this one. For further information about cookies and how to disable them please go to: www.aboutcookies.org or ww
In addition, we may disclose your personal information:
a) to the extent that we are required to do so by law;
b) in connection with any legal proceedings or prospective legal proceedings;
c) in order to establish, exercise or defend our legal rights
d) to the purchaser (or prospective purchaser) of any business or asset which we are (or are contemplating) selling;
e) to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information. Except as provided in this privacy policy, we will not provide your information to third parties.
We may monitor and record communications with you (such as emails) for the purpose of (specify, eg quality assurance, training, fraud prevention and compliance).
This website acts as a conduit and at no time is your personal information used for a credit reference by NowCompare. Subject to your confirmation at the time of application a lender may offer an alternative privacy policy supplied at the correct time.
If you give us information on behalf of someone else, you confirm that the other person has appointed you to act on his/her behalf and has agreed that you can:
a) give consent on his/her behalf to the processing of his or her personal data
b) receive on his/her behalf any data protection notices
c) give consent to the transfer of his/her personal data to relevant and related partners
In making a Loan application your application will be reviewed by Luvcarloans. In the case that a lender are unable to offer you a suitable loan we will ask our partner lender’s and / or Broker team to contact you to discuss an alternative product. Should you wish not to be contacted by our Broker team or alternative third party please email [email protected].
We may update this privacy policy from time-to-time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes and that you are aware of the most recent version which will apply each time you access this website.
You have the right (subject to the payment of a small fee as mentioned below) to request access to any personal information we hold about you. If you wish to exercise this right you should:
a) put your request in writing;
b) make the payment of a fee (currently fixed at £10.00);
c) supply appropriate evidence of your identity and address (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address);
d) specify the personal information you want access to, including any account or reference numbers where applicable.
We may withhold such personal information to the extent permitted by law. You have the right to require us to correct any inaccuracies in your data free of charge. If you wish to exercise this right you should:
put your request in writing;
provide us with enough information to identify you (e.g. account number, username, registration details);
specify the information that is incorrect and what it should be replaced with.
You also have the right to ask us to stop processing your personal data for direct marketing purposes. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.
The website contains links to other websites. We are not responsible for the privacy policies or practices of third party websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.
Please let us know if the personal information which we hold about you needs to be corrected or updated.
If you have any questions about this privacy policy or our treatment of your personal information, please contact us. [email protected]
