Website Privacy Policy

This privacy policy sets out the basis on which any personal data we collect from you, or that you provide to us will be processed by us under all applicable data protection laws.  Our commitment is to ensure we provide you with the highest levels of service, protection, and security when we process your data.

About us

Creditas Financial Solutions Limited t/a Car finance Northern Ireland is the data controller for the purposes of the General Data protection Regulation (GDPR) and the data protection act 2018 (the Act).

We are registered with the UK Information Commissioners Office (ICO) under registration Z1216459

Creditas Financial Solutions Limited t/a Car finance Northern Ireland
72 Otley Road
Guiseley
Leeds
LS20 8BN

Telephone: 028 9694 3349

Email: compliance@creditas.org.uk

Creditas Financial Solutions is registered in England and Wales our company registration number is 06366166

We are authorised and regulated by the Financial Conduct Authority, Firm Reference Number 661849

Other trading names we operate under are:

Information we may collect, store, and process the following data from you:

  • Browser cookies
  • The information that you provide to us when querying for quote with our website, detailed list found in the form data here.
  • The information provided by you when applying for a finance, further details of this can be found on the form data here.
  • The information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters.
  • The information that you provide to us when using the services on our website, or that is generated in the course of the use of those services.
  • The information relating to any purchases you make of our goods and/or services or any other transactions that you enter into through our website.
  • The information that you post to our website for publication on the internet.
  • The information contained in or relating to any communication that you send to us or send through our website and
  • Any other personal information that you choose to send to us.

Uses made of the information.

Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.  We may use your personal information to:

  • administer our website and business.
  • enable your use of the services available on our website
  • send you non-marketing commercial communications
  • send you email notifications that you have specifically requested.
  • send you marketing communications relating to our business or the businesses of carefully selected third parties which we think may be of interest to you, we shall only send these communications if you have given consent for marketing purposes (you can inform us at any time if you no longer require marketing communications)
  • provide third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information);
  • deal with inquiries and complaints made by or about you relating to our website products and services.
  • keep our website secure and prevent fraud and verify compliance with the terms and conditions governing the use of our website.

Information you give to us

If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the license you grant to us. Your privacy settings can be used to limit the publication of your information on our website and can be adjusted using privacy controls on the website.

We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party’s direct marketing.

Information we receive from other sources. We may combine this information with information you give to us and information we collect about you. We may us this information and the combined information for the purposes set out above (depending on the types of information we receive).

How we share the information we collect.

We will only pass your personal data to third parties which is required in order to process your application for finance.

We may share your personal information with the following parties:

All personal data we hold about you will not be transferred by Car Finance Northern Ireland outside of the UK or the EU.

Disclosure of your Information

We shall not share or disclose any of your personal information without your explicit consent, other than for the purposes specified in this notice, where there is a legal requirement or to enforce our terms and conditions.

Special Category Data

We may process special category data relating to you if we have your consent do so, we shall only process this information with your permission (unless we feel the processing is necessary to protect your interests or the law allows us to do so.)

The special category data we may process is;

  • Data concerning health.
  • Criminal records or allegations of offenses

You have the right to request that we do not process this specific data at any time by contacting compliance@creditas.org.uk.

Credit Reference Agencies

When processing your finance application, we shall conduct a “soft credit search” in order for us to verify your identity and make an initial assessment of your credit profile to determine the most suitable lender for your requirements, this will not impact your credit score.

We may share your data with more than one finance provider, which may result in one or more credit searches being conducted by the finance providers in order for them to conduct credit and identity checks with credit reference agencies they work with, these searches will/ may be a “hard Credit search” which will be visible to any other organisations conduct a credit search against you.

We may also share your personal information with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you may be refused certain services, finance, or employment.

Further details of how your information will be used by us and these fraud prevention agencies, along with your data protection rights can be obtained by contacting compliance@creditas.org.uk 

The Credit Reference Agencies we use are detailed below, for further information on Credit Reference Agencies and how they will use your data please refer to their Credit Information notices.

Experian: www.experian.co.uk/legal/crain

Equifax: www.equifax.co.uk/crain

Legal basis for processing your personal data.

We use the information collected from you to provide you with the services we offer and for the lawful processing of the data based on the following;

  • The data subject has given consent to the processing of their personal data for one or more specific purposes;
  • Processing is necessary for the performance of a contract to which the data subject is party or in order to take steps at the request of the data subject prior to entering into a contract.

Subject to all applicable laws we shall monitor and record calls, email, text messages, social media and any other communications in connection with the finance application and products and services we provide.

Marketing

Where you “opt in” to receive marketing information from us we may send you communications relating to products we think may be of interest to you.

Communications will be made by letter, telephone, email or SMS dependent upon the preferences you select.

If you wish to “opt out” or amend your preferences, you have the ability to unsubscribe by clicking the link on our emails or emailing compliance@creditas.org.uk

Retention of your Data

We will ensure we only retain your personal data for as long as we need to, and in line with the reason you have provided it to us.

Generally, we will retain your data for a maximum of 10 years in order to assist with any potential legal claims or complaints in the future.

Your rights and your personal data

Your personal information is protected under The General Data Protection Regulation (“GDPR”) and you have a number of rights with respect you your personal data, unless it is subject to an exemption under GDPR .

Your rights are as follows:

  • The right to be Informed.

At the point of receiving / collection of your data, we shall issue you a privacy notice which informs you of how your personal data will be used, stored and processed.

  • The right to access your personal information.

You have the right to know what information we hold about you , obtain confirmation that it is being processed and to obtain information about how we process it.

  • The right to rectification

You have the right to have your personal data corrected if it is inaccurate and have the data corrected recorded.

  • The right to erasure (also known as the “right to be forgotten”)

You are able to request that your personal data in deleted from our records where there is no reason for its continued processing.  This right applies only in certain circumstances and is not absolute.

  • The right to restrict processing.

You have the right to object how we use your personal information including for marketing purposes.

  • The right to data portability

You have the right to request that all personal data is provided to you in legible and transferable format, and where possible to transfer directly to another data controller.

  • The right to object

You have the right to object to the processing of your data unless we can demonstrate legitimate grounds to continue to do so.

  • The rights related to automated decision-making

We make use of automated decision-making tools, the third parties we provide your personal data to may also use automated decision profiling when considering your finance application.

You have the right to object to your personal data being used within an automated process without human intervention.

If you wish to exercise any of your data rights or request a Subject Access request, please do so by contacting us:

Creditas Financial Solutions Limited t/a Car finance Northern Ireland

72 Otley Road

Guiseley

Leeds

LS20 8BN

Telephone: 028 9694 3349

Email: compliance@creditas.org.uk

How you can make a Complaint

If you have a complaint about data protection for Car Finance Northern Ireland Creditas Financial Solutions Limited, please contact compliance@creditas.org.uk

Alternatively, you have the right to lodge a complaint directly with the supervisory authority (information Commissioners Office “ICO”) for data protection compliance on:

Information Commissioners Office

Wycliffe House

Water lane

Wilmslow

Cheshire

SK9 5AF

Website           www.ico.org.uk

Telephone:      0303 123 1113 (local Rate) or 01625 545 745 (national rate)

Cookies

Our website uses cookies by using our website and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.
About cookies A cookie is a file containing an identifier that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

Cookies can be used by web servers to identify and track users as they navigate different pages on a website and identify users returning to a website.

Our cookies

We use only session cookies on our website.
The names of the cookies that we use on our website, and the purposes for which they are used, are
set out below:

(a) we use https://catapultthemes.com/cookie-consent/ and
https://developers.google.com/analytics/devguides/collection/analyticsjs/cookie-usage to
recognise a computer when a user visits our website

Analytics cookies

We use Google Analytics to analyse the use of our website, our analytics service provider generates statistical and other information about website use by means of cookies.
The analytics cookies used by our website have the following names: _ga, catAccCookies, __cfduid and wp-settings-time-64
The information generated relating to our website is used to create reports about the use of our website.
Our analytics service provider’s privacy policy is available at:
http://www.google.com/policies/privacy/

Third party cookies

Our website also uses third party cookies, Details of the third-party cookies used by our website are set out below:

(a) https://catapultthemes.com/cookie-consent/.

(b) https://developers.google.com/analytics/devguides/collection/analyticsjs/

Blocking cookies

Most browsers allow you to refuse to accept cookies; for example:

(a) in Internet Explorer (version 11) you can block cookies using the cookie handling override settings available by clicking “Tools”, “Internet Options”, “Privacy” and then “Advanced”;

(b) in Firefox (version 47) you can block all cookies by clicking “Tools”, “Options”, “Privacy”, selecting “Use custom settings for history” from the drop-down menu, and unticking “Accept cookies from sites”; and

(c) in Chrome (version 52), you can block all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show advanced settings” and “Content settings”, and then selecting “Block sites from setting any data” under the “Cookies” heading. Blocking all cookies will have a negative impact upon the usability of many websites. If you block cookies, you will not be able to use all the features on our website.

Deleting cookies

You can delete cookies already stored on your computer; for example:

(a) in Internet Explorer (version 11), you must manually delete cookie files (you can find instructions for doing so at http://windows.microsoft.com/en-gb/internet-explorer/delete-manage-cookies#ie=ie-11);

(b) in Firefox (version 47), you can delete cookies by clicking “Tools”, “Options” and “Privacy”, then selecting “Use custom settings for history” from the drop-down menu, clicking “Show Cookies”, and then clicking “Remove All Cookies” and

(c) in Chrome (version 52), you can delete all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show advanced settings” and “Clear browsing data”, and then selecting “Cookies and other site and plug-in data” before clicking “Clear browsing data”. Deleting cookies will have a negative impact on the usability of many websites.

Cookie preferences

You can manage your preferences relating to the use of cookies on our website by visiting: https://creditasfinancial.org.uk/cookie-policy/.

Our Details

This website is owned and operated by Car Finance Northern Ireland we are registered in England and Wales under Company number 06366166 and our registered office is at 68A Monree Hill, Donaghcloney, Craigavon, Northern Ireland, BT66 7GZ

Our principal place of business is at 68A Monree Hill, Donaghcloney, Craigavon, Northern Ireland, BT66 7GZ

You can contact us:

(a) by post, using the postal address given above;

(b) using our website contact form

(c) by telephone, on the contact number published on our website from time to time or

(d) by email, using the email address published on our website from time to time.

Changes to our Privacy policy

Please note any changes to this policy will be posted to this page so you are aware of the information we collect.

This policy was last updated on 18th December 2023 and will be reviewed on at least an annual basis.

Any questions, comments and requests regarding this privacy policy are welcomed and should be addressed to compliance@creditas.org.uk