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    Privacy Policy

    Concept Car Credit Limited (“Concept Car Credit Limited” and “We/Us/Our”) is committed to ensuring that Your Information is used properly and is kept securely. This Privacy Policy explains how We will collect and use Your Information.

    By submitting Your Information to the Concept Car Credit Limited Site (“Concept car Credit”) you are consenting to the processing of Your Information by Us and Our agents in accordance with this Privacy Policy.

     

    DATA CONTROLLER

    Any information that you provide on this website is controlled by Concept Car Credit Limited which is registered as a data controller with the Information Commissioner’s Office in the United Kingdom under reference: Z990127X

    Concept Car Credit Limited (Company Number 5024184) whose registered office is at Unit E1, Europa Park, Stoneclough Road, Radcliffe, Gt Manchester, M26 1GG.

    Concept Car Credit Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 659076.

    If you have any queries about the information We hold about you, please email us on website@conceptcarcredit.co.uk or call Us on 0800 093 3385. Calls to this number are normally free for people ringing from a “fixed line” phone – but charges may apply if you call from a mobile telephone.

     

    INFORMATION WE MAY COLLECT

    We may collect and process the following information about you (“Your Information”):

    • Information that you provide when you visit Concept car Credit, register for and use Our online services, become a subscriber, request a quote, complete a loan application form or apply for any other product or service.
    • Information that you provide to Our partners, credit brokers and affiliates where you have consented to that information being passed to us.
    • Information you provide to us when you contact Us by email or SMS.
    • Information that we collect about you from documents that are available to the public, such as the electoral register, or from third parties such as credit reference agencies and fraud prevention agencies.
    • Information you provide if you report a problem with Concept car Credit or if you contact us and request assistance when using Concept car Credit.
    • Details of your visits to Concept car Credit, including, but not limited to, traffic data, location data, web logs and other communication data, whether this is required for our own purposes or otherwise and the resources that you access.

     

    HOW WE USE YOUR INFORMATION

    We use Your Information in the following ways:

    • to contact you from time to time about our other financial products or services (which are … Vehicle finance, Vehicle insurance, Vehicle purchase, Credit score services and GAP Insurance) by email and/or SMS, which we will only do with your express consent.
    • you have the right at any time to stop us from contacting you for marketing purposes.  If you no longer wish to be contacted by us for marketing purposes, please email us on website@conceptcarcredit.co.uk
    • to contact you and any person referred to by you in connection with your application or enquiry;
    • to process and respond to requests, enquiries and complaints received from you;
    • to identify a lender or other product provider and arrange for the provision of the loan or other products and services requested by you;
    • to communicate with you about products and services provided to or requested by you;
    • to update Our records;
    • to analyse trends and profiles and carry out assessment and analysis (including credit and/or behaviour scoring, market and product analysis);
    • for audit purposes;
    • to carry out customer satisfaction research;
    • to prevent or detect fraud;
    • to meet Our regulatory compliance and reporting obligations
    • to ensure that content from Concept car Credit is presented in the most effective manner for you and your computer
    • to develop and improve Our services to you and notify you about changes to Our services
    • to enable third parties to carry out any of the above purposes on Our behalf.

     

     SHARING OF YOUR INFORMATION

    We may share Your Information with third parties in the following ways:

    • We sometimes use agents and service providers to process Your Information on Our behalf. For example, we may use third parties to maintain Our IT systems. Where we use agents and service providers to process Your Information, We will ensure that they have adequate security measures in place to safeguard Your Information.
    • We will release your personal information when we are required to do so for legal or regulatory purposes or as part of legal proceedings.
    • We may give information we hold about you to third parties as part of the process of selling one or more of our businesses.
    • Your Information may be passed to credit reference, fraud prevention, law enforcement agencies and identity and address verification agencies whom may record and use Your Information and disclose it to other organisations for credit reference, debt tracing, fraud and money laundering prevention purposes.
    • We may transfer Your Information to Our partners, credit brokers and/or to potential lenders or third parties for the purposes of seeking or arranging finance for you, assessing your application and processing, administering and enforcing any subsequent loan which may be granted. The partners, credit brokers, potential lenders and third parties may share information with us in relation to your application and in accordance with their Terms and Conditions.
    • You confirm you have the consent of any other person whose details are provided by you in connection with your application or enquiry to provide that person’s Information to us and for us to use that person’s Information for the processing of any application that you may submit as a joint application.

    WHERE WE STORE YOUR INFORMATION

    All information you provide to us is stored on secure servers. Where We have given you (or where you have chosen) a user name, passcode and memorable word which enables you to access certain parts of Concept car Credit, you are responsible for keeping this user name, passcode and memorable word confidential. You must not share these with anyone.

    Unfortunately, the transmission of information via the internet is not completely secure. Although we will do Our best to protect Your Information, We cannot guarantee the security of Your Information transmitted to Concept car Credit; any transmission is at your own risk. Once we have received Your Information, We will use strict procedures and security features to try to prevent unauthorised access.

    HOW WE USE COOKIES

    A “cookie” is a small piece of information that is stored on the browser on your computer’s hard drive. Most websites use cookies to improve the way the website works and to provide information to website operators about use of the website. We use cookies to allow you to use and navigate Concept car Credit, to store information about your preferences, to collect information about how visitors use Concept car Credit and to enable us to improve Concept car Credit. Most web browsers allow you to manage and block the use of cookies by changing your browser settings. If you choose not to accept cookies on Concept car Credit this may affect the quality of your visit to Concept car Credit.

    You can find more information about the individual cookies we use and the purposes for which We use them in the table below:

    CookieNamePurposeMore Information
    Sourceutm_sourceUsed to identify sourceThis cookie will identify the source you used to find our website
    Campaignutm_campaignUsed to identify the campaign usedThis cookie will identify the campaign you used to find our website

     

    For more information on cookies (including how to switch them off) please visit www.allaboutcookies.org.

     

    YOUR RIGHTS

    You have the right to ask Us not to contact you for marketing purposes by emailing us on website@conceptcarcredit.co.uk or contacting Us by post at Concept car Credit Limited, Unit E1, Europa Park, Stoneclough Road, Radcliffe, Gt Manchester, M26 1GG or by calling us on 0800 093 3385. Calls to this number are normally free for people ringing from a “fixed line” phone – but charges may apply if you call from a mobile telephone.

    You also have the right to access Your Information and request details of the third parties with whom we have shared Your Information with by contacting Us [in writing] at Concept car Credit Limited, Unit E1, Europa Park, Stoneclough Road, Radcliffe, Gt Manchester, M26 1GG. We reserve the right to charge a small administration fee for this service.

    You may correct errors in or update Your Information or request that we remove information about you from Our records by sending Us a request to the postal address or email address above. In most cases we will comply promptly with your request and let you know when we have done so. However, sometimes we will not be obliged to comply with your request. If this is the case we will inform you of Our decision and the reasons for that decision.

    To protect your privacy and the security of Your Information, We may take reasonable steps to verify your identity before we act on any request which you may make in respect of Your Information.

    Concept Car Credit may, from time to time, contain links to and from the websites of our partner networks and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that We do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal information to these websites.

    UPDATES

    We may update this Privacy Policy from time to time. Please ensure that you check Our Privacy Policy regularly for updates.