Welcome to CAN CAN CAR FINANCE LIMITED’s (“CCCF”) privacy notice.
The Financial Conduct Authority is the independent regulator of financial services in the United Kingdom. Can Can Car Finance Limited (‘we’, ‘us’, ‘our’) (which is a 100% subsidiary of The Trade Centre Group PLC) is authorised and regulated by the Financial Conduct Authority (our registration number is 679711) and is permitted to carry on relevant regulated consumer credit activities including acting as a credit broker and not a lender.
CCCF respects your privacy and is committed to protecting your personal data. This privacy notice will inform you as to how we look after your personal data when you visit our website (regardless of where you visit it from) or visit one of our sites or instruct our services and will tell you about your privacy rights and how the law protects you.
This privacy notice aims to give you information on how CCCF collects and processes your personal data through your use of our website, or our supply of products and services, including any data you may provide when you use our products and services or receive marketing information about our products and any special offers.
Our website, products and services are not intended for children and we do not knowingly collect data relating to children.
It is important that you read this privacy notice together with any other privacy notice or fair processing notice we may provide you on specific occasions when we are collecting or processing personal data about you, so that you are fully aware of how and why we are using your data. This privacy notice supplements the other notices and is not intended to override them.
CCCF is the controller and is responsible for your personal data (referred to as CCCF, we, us or our in this privacy notice).
We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this privacy notice. If you have any questions about this privacy notice, including any requests to exercise your legal rights, please contact the DPO using the details set out below.
The DPO can be contacted as follows:
You have the right, if you wish to do so, to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.
This version was last updated on 18 August 2023.
The accuracy of your information is important to us. Please keep us informed if your personal data changes during your relationship with us. If you change your postal address, email address or your telephone number, please let us know by contacting our marketing department on email@example.com
Our website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.
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).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy notice.
As a whole, we do not collect sensitive personal data (special categories of data), unless you have voluntarily provided that information to us (for example, where you have notified us of a known health issue). If you agree to providing us with sensitive personal data, you provided it voluntarily and agree that we can use any sensitive personal data that you provide to deliver products or services to you.
Special categories of data including details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data.
If you provide us with data that is classed as a special category of data such as information on your health, criminal convictions and offences, or allegations of criminal offences, we will only process this with your consent (unless we feel the processing is necessary to protect your vital interests or if the law allows us to do so). You have a right at any time to ask us to stop the processing of that specific data. For a full list of special categories of personal data, please see the table of purposes for which we will use your personal data.
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us, but we will notify you if this is the case at the time.
We use different methods to collect data about you including:
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:
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are, where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal grounds, we are relying on to process your personal data where more than one ground has been set out in the table below.
|Purpose/Activity||Type of data||Lawful basis for processing including basis of legitimate interest|
|In the course of helping you, the customer, to purchase a vehicle and also in preparing, at your request, an application for hire purchase or loan facility||Identity, Contact, Financial, Transaction, Profile||a) performance of a contract;|
c) necessary for our and the third party hire purchase or loan provider's legitimate interests (to enable you to purchase a vehicle and/or related products/services from us or the third party)
|Disclosure to our lending/finance partners for the purpose of providing you, the customer with a hire purchase agreement and personal loan facility||Identity, Contact, Financial, Transaction, Profile||a) consent;|
b) necessary for our and the third party lending/finance provider's legitimate interests (to enable you to purchase a vehicle and/or related products/services from us or the third party)
|To obtain a credit reference from a credit reference agency||Identity, Contact, Financial, Transaction, Profile||a) Performance of a contract with you|
To assist you in purchasing a Lifetime Warranty
Identity, Contact, Financial, Transaction, Profile
b) necessary for our and our warranty administrator’s (EMaC Limited) legitimate interests, and for the subscription facility provider’s (Payment Assist Limited) interests (to enable you to purchase a vehicle and/or related products/services from us or EMaC Limited).
To assist you with your payment subscriptions
Identity, Contact, Financial, Transaction
b) necessary for us, and our subscription facility provider (Payment Assist Limited) legitimate interests
(to enable you to purchase a vehicle and/or related products/services from us or EMaC Limited).
|To process an on-line part exchange valuation request||Identity, Contact, Financial||a) Performance of a contract with you|
To process your Freesure claim or ‘Free Fuel for a Year’ schedule
|Identity, Contact, Financial, Transaction||a) consent:|
b) necessary for us, and for (TCi Futures Limited and Sodexo Limited) the administrators of the promotion legitimate interests
|To process a request for a discount voucher||Identity, Contact||a) Performance of a contract with you|
|To process an online finance application||Identity, Contact, Financial, Transaction, Profile||a) consent;|
b) necessary for our and the third party finance provider's legitimate interests (to enable you to purchase a vehicle and/or related products/services from us or the third party)
|Special categories of data||Include: details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data.||a) Consent|
|To register you as a new customer||Identity, Contact||a) Performance of a contract with you|
|The V5C document, also known as the V5 form or logbook||Identity, Contact, which contains the personal details of the registered keeper and previous registered keepers||a) Necessary to comply with our legal obligation.|
b) Necessary for our legitimate interests i.e. that the processing is necessary to achieve a legitimate interest pursued by you or a third party.
|To process and deliver your order including:|
Manage payments, fees and charges
Collect and recover money owed to us
|Identity, Contact, Financial, Transaction, Marketing and, Communications||a) Performance of a contract with you|
b) Necessary for our legitimate interests (to recover debts due to us)
|To carry out information searches (such as anti-money laundering and fraud and crime prevention searches)||Identity, Contact, Financial, Transaction||a) Necessary to comply with a legal obligation|
|To manage our relationship with you which will include:|
Asking you to leave a review or take a survey
|Identity, Contact, Profile, Marketing and, Communications||a) Performance of a contract with you|
b) Necessary to comply with a legal obligation
c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services)
|To enable you to complete a survey||Identity, Contact, Profile, Usage, Marketing and Communications||a) Performance of a contract with you|
b) Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business)
|To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)||Identity, Contact, Technical||a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)|
b) Necessary to comply with a legal obligation
|To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you||Identity, Contact, Profile, Usage, Marketing and, Communications, Technical||a) Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)|
|To use data analytics to improve our website, products/services, marketing, customer relationships and experiences||Technical, Usage||a) Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)|
|To make suggestions and recommendations to you about goods or services that may be of interest to you||Identity, Contact, Technical, Usage, Profile, Marketing and Communications||a) Necessary for our legitimate interests (to develop our products/services and grow our business)|
|Disclosure to third party companies that have allocated any fines or proceedings against the hire vehicle while in your possession||Identity. Contact.||a) Necessary for our and the third party company’s legitimate interests (to enable the third party company to recover debts due to them)|
|Disclosure to any third parties that have issued any fines, penalties, charges or proceedings relating to any vehicle you may have purchased from us, since the date of purchase, to enable such third parties to pursue any such fines, penalties, charges or proceedings against you directly as the owner of the vehicle||Identity, Contact||a) Necessary to comply with a legal obligation. This would cover, for example, where the driver has committed a speeding offence/traffic light violation and we are required to provide your identity and contact details|
When you complete an application with CCCF and to better establish your potential eligibility for credit or hire purchase facilities, DealTrak Limited has been appointed as a processing agent for and on behalf of CCCF and our select panel of lenders. DealTrak Limited will analyse your credit information to determine your financial status; this is known as a "soft search” and uses your information for the purposes of identifying and ranking the most appropriate credit products for you, taking into account your personal information.
Searches are carried out by one or more credit reference agencies (CRA): Experian, Equifax, TransUnion Information (Callcredit).
A "soft search” checks against publicly available information such as the Electoral Register, County Court Judgments (CCJs), bankruptcy or repossession information. These checks are known as a “soft search” and are visible to only you.
A “soft search” is an initial look at certain information on your credit report. Companies perform soft searches to decide how successful your application would be without conducting a full examination of your credit history. To give you the best opportunity to establish your potential eligibility for credit or hire purchase facilities we may use one or more CRAs to perform a “soft search”.
If you are seeking credit or hire purchase facilities, CCCF will need to process your personal data for the purpose of submitting an application to our lending partners (finance companies) who may wish to search your credit profile with one of the Credit Reference Agencies (CRAs) for data relating to your financial situation and financial history. These searches may be referred to as "hard searches" or "credit application searches" and may be visible to other third parties, such as other potential lenders. "Hard searches" will place a search footprint on your credit file.
CRAs, also perform the role of fraud prevention agencies; the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail within the Credit Reference Agency Information Notice (CRAIN) below.
These records will be shared with other organisations and may be used by them to consider further applications for credit and credit related services, to trace debtors, recover debt, and for fraud prevention. The finance company may also check your details with fraud prevention agencies, which themselves share their records with other organisations. If you wish to receive details of credit reference and fraud prevention agencies from whom we and the finance company obtain information and to whom we pass information about you, you can do this by contacting our DPO in writing or by e-mail at the address given earlier.
The finance company will continue to exchange information about you with credit reference agencies on an ongoing basis, including your settled accounts and any debts not fully repaid on time. Credit reference agencies will share your information with other organisations.
If you are making a joint application, then your data will also be linked to the data of your spouse, any joint applicants, or other financial associates.
Our finance companies use the following credit reference agencies:
The Credit Reference Agencies have produced a Credit Reference Agency Information Notice ("CRAIN") which details how they will use your data after we have provided it to them.
This information is available at CRAIN:
Our use of your Personal Data may result in automated decisions being taken (including profiling).
Automated decision-making means that a decision concerning you is made automatically on the basis of a computer using certain software algorithms, without a human being involved. For example, in certain circumstances, we may use automated profiling to better establish your potential eligibility for credit or hire purchase facilities.
When an automated decision is made about you, you have the right to contest the decision, and to require a human to review the decision. To understand more about this and how you can exercise your right for human intervention please see the “Your rights” section below.
We strive to provide you with choices regarding certain personal data uses, particularly around marketing. We may share your information with certain third parties, market research and analytics service providers, where you have provided consent. Your personal data will be used for personalised and non-personalised advertising, the data collected will be your name, IP address and other personal data you may choose to provide to use third party products and services.
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you have requested information from us or purchased goods or services from us or if you provided us with your details when you entered a competition or registered for a promotion and, in each case, you have not opted out of receiving that marketing.
You can ask us or third parties to stop sending you marketing messages or communications at any time by following the links located at the bottom of any marketing related emails we send to you or alternatively emailing firstname.lastname@example.org, or by writing to our registered office: Can Can Car Finance Ltd, Euro Centre, Neath Abbey Business Park, Neath Abbey, SA10 7DR.
Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a product/service, purchase, warranty registration, product/service experience or other transaction.
We will only use your personal data 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 you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use your personal data 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 data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
We may have to share your personal data with third parties for the purposes set out in the table in paragraph 4 above.
For further details of the third parties with whom we share your personal data, please contact our marketing department on email@example.com. Please note that this list is not necessarily exhaustive and may be amended or updated from time to time.
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
Some of our external third parties are based outside the UK and the European Economic Area (EEA) so their processing of your personal data will involve a transfer of data outside the UK and the EEA. Whenever we transfer your personal data out of the UK and the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the UK and the EEA.
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business interest and a need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, 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.
If you proceed to purchase a vehicle from us, you should be aware that we keep a record of all sales and transactions including your personal data for a period of 6 years plus one month from the expiry of our agreement. Even if you do not proceed with the purchase of a vehicle, we will hold details of your personal data for a period of 12 months, to make suggestions and recommendations to you about goods or services that may be of interest.
We may record calls for training and monitoring purposes, which are retained for a period of 12 months.
If you submit a part-exchange valuation request or a request for a discount voucher but no purchase is subsequently made, your data will automatically be deleted after 12 months of no activity unless you have agreed otherwise.
If you submit an online finance application but no purchase is subsequently made, your data will automatically be deleted after 12 months of no activity unless you have agreed otherwise.
In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
Under certain circumstances, you have rights under data protection laws in relation to your personal data. These include the right to:
If you wish to exercise any of the rights set out above, please contact our Data Protection Officer.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
We try to respond to all legitimate requests within one month. Occasionally, it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.