Customer Data Processing
|Source of Personal Data||Summary of Activity||Our Role|
|Vehicle Dealerships||Motor vehicle dealerships collect your personal data from you and submit it to us via our dedicated dealership portal – in order to facilitate your access to funding of the motor vehicle that they wish to sell to you and that you wish to purchase. They retain access to your personal data via our secure dealership portal. We will only process information about you that we need in order to perform our brokerage duties and provide you with access to motor finance.||Data Processor / Data Controller|
|Customers directed to My Car Credit (MCC) from funding partnership websites.||We use the information that is shared with us in order to perform our contracted brokerage tasks under the label of the funding partner:
|Lead Generator Tools hosted on dealership websites.||We provide online credit score and loan calculation services through My Car Credit Score (MCCS) and our Plug-In Calculator (PIC) which are hosted on dealership websites. No personal data is generated by the PIC alone. The sales lead data that is associated with the dealership that is hosting the MCCS is available via logon to our secure dealership portal.||Data Processor|
|Lead Generator Tools hosted on dealership websites.||For Customers who share their data with us through our lead generator tools – we also process this data for our own purposes and so act as a data controller when we follow up the results of their credit score and occasionally send them prompts to progress to a full application for credit.||Data Controller|
|Lead Generator Tool and Online Application Form.||Customers who use our lead generator tools and choose to progress their enquiry to a full application using our online loan application form: We will process this customer data in order to provide them with a brokerage service for the vehicle loan that they require.||Data Controller|
|My Car Credit website customers. www.mycarcredit.co.uk||Customers share their personal data directly with us when they use one of our ‘direct to customer’ services such as our Credit Score calculator and application form on the My Car Credit website.||Data Controller|
|Price Comparison website customers who choose My Car Credit as their broker.||Customers share their personal data with us when they choose us as their brokerage service from a list presented to them by one of our partner’s intermediary services.||Data Controller|
|Making contact with us||If you contact us via our website then your data may be processed by one of our suppliers such as those companies that we contract to provide data processing services for us including those who host our data processing servers.|
|Establishing your identity||We collect proof of identity information in order to establish your identity when we:
|Facilitating your request for vehicle finance quotations||Automated decision making
|Conducting Credit Searches||Soft Credit Searches
|Fraud prevention||The personal information collected from you will be shared with fraud prevention agencies who will use it to:
|Facilitating your purchase of an affordable vehicle||If a vehicle dealership has submitted your initial application for funding to us in order to facilitate (broker) your purchase of a motor vehicle from them then we would share the outcome of your application assessment with them. The information that we share – with the dealership – may include details of your maximum approved credit but we will only do this with your consent sought by the dealership at the time of completing your vehicle finance application with you. If you are not content for us to share this information with the vehicle dealership then please inform them that you do not give your consent for this to happen.|
|Applying for the Loan||Sharing your information with Finance Companies for them to underwrite your application.
|Customer Services and Administration of our Services||Call recording and monitoring
We may record and monitor, emails, SMS messages or other communications for:
When we collect your personal information, the length of time we retain it is determined by the purpose for which we use that information and our legal and regulatory obligations.
Once we have established that we no longer require the information for the specified purposes for which it was collected or the purposes outlined below, we would either anonymise or delete the information. We would not retain personal information in an identifiable format for longer than is necessary.
Other determinants for the length of time that we retain your personal information are:
- Our legitimate interests and the need to use your personal information to establish, bring or defend legal claims,
- The requirement by law or regulation for us to hold your personal information for a longer period, or to delete it sooner,
- Your decision to exercise your right to have the information erased (where this applies).
If you would like information about the retention of your personal data that we are processing, in relation to your application for vehicle finance, please contact us at firstname.lastname@example.org