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Welcome to CAN CAN CAR FINANCE LIMITED’s (“CCCF”) privacy notice.
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.
Purpose of this privacy notice
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 services, including any data you may provide when you use our services or receive marketing information about our services and any special offers.
Our website or our 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 data 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 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 1 September 2020.
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 address: [email protected]ncancarfinance.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.
We do not collect any Special Categories of Personal Data about you (this includes 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). Nor do we collect any information about criminal convictions and offences.
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 services). In this case, we may have to cancel a service you have requested us to provide, but we will notify you if this is the case at the time.
We use different methods to collect data from and 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 tabular 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 find out the amount of credit which would be available to you for the purchase of a vehicle and also in preparing, at your request, an application for hire purchase or loan facility||(a) Identity(b) Contact(c) Financial(d) Transaction(e) Profile||Performance of a contract with you|
|Disclosure to our car sales partners and lending/finance partners for the purpose of providing you, the customer with a hire purchase agreement and personal loan facility||(a) Identity(b) Contact(c) Financial(d) Transaction(e) Profile||Performance of a contract with you|
|To obtain a credit reference from a credit reference agency||(a) Identity(b) Contact(c) Financial(d) Transaction(e) Profile||Performance of a contract with you|
|To register you as a new customer||(a) Identity(b) Contact||Performance of a contract with you|
|To enable you to complete a survey.||(a) Identity(b) Contact(c) Profile(d) Usage(e) Marketing and Communications||(a) Performance of a contract with you(b) Necessary for our legitimate interests (to study how customers use our 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)||(a) Identity(b) Contact(c) 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||(a) Identity(b) Contact(c) Profile(d) Usage(e) Marketing and Communications(f) Technical||Necessary for our legitimate interests (to study how customers use our services, to develop them, to grow our business and to inform our marketing strategy)|
|To use data analytics to improve our website, services, marketing, customer relationships and experiences||(a) Technical(b) Usage||Necessary for our legitimate interests (to define types of customers for our 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||(a) Identity(b) Contact(c) Technical(d) Usage(e) Profile(f) Marketing and Communications||(a) Necessary for our legitimate interests (to develop our services and grow our business)(b) Consent|
If you are seeking credit or hire purchase facilities, we need to process your personal data for the purpose of submitting an application to our partner finance companies and obtaining a credit reference from a credit reference agency. By agreeing to our terms and conditions, you are consenting to the disclosure of your information to the credit reference agency, and to the finance companies.
In an application for hire purchase or credit facilities to a finance company, you are consenting to the disclosure of your information to the credit reference agencies for the purchase of a vehicle. If you apply for credit or hire purchase facilities, the finance company to whom we direct your application will search your record with a credit reference agency which will add to its record about your details of our search, the finance company search, and your application details.
This will be seen by other organisations that make such searches. The finance company will also add to your record with the credit reference agency details of your agreement with them and your payment record under the hire purchase or credit agreement with you. 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 Data Protection Officer in writing or by e-mail at the address given earlier.
Our finance partners will continue to exchange information about you with credit reference agencies on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. Credit reference agencies will share your information with other organisations.
Your data will also be linked to the data of your spouse, any joint applicants, or other financial associates.
Our finance partners use the following credit reference agencies:
The Credit Reference Agencies used by our lending partners 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:
We strive to provide you with choices regarding certain personal data uses, particularly around marketing.
For the purposes of marketing, we may share your information with certain third parties, where you have provided your consent.
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 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 at any time by following the links located at the bottom of any marketing related emails we send to you or alternatively emailing [email protected] or by writing to our registered office: 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 service 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.
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 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 your application for hire purchase or credit facilities is successful and you decide to proceed with the transaction, 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 your car purchase agreement. However, we do not retain your income data (including your bank statements and employee wage slips) and will delete such data following completion of your car purchase. If your application is not successful or if you do not proceed with the transaction, we will hold details of your personal data for a period of 12 months from your last activity, unless you have agreed otherwise.
We may record calls for training and monitoring purposes, which are retained for a period of 30 days.
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.