Terms and Conditions for Applications

  • Data handling: In processing this finance application, we will need to share the data provided within our organisation and with other relevant organisations, and other companies that provide services to us. These include, but are not limited to, credit reference agencies (CRAs) and fraud prevention agencies. We do this to assess creditworthiness and product suitability, check identity, manage our customer’s account, trace and recover debts and prevent criminal activity, including fraud and money laundering. The process may also include automated affordability checks, using information provided in the application and the information available with the Credit Reference Agency. Although in the first instances we use a quote ‘soft search’ with a Credit reference agency, they may make a record of credit checks and fraud searches. Using this type of search, the effect on your credit file is minimised. We will not share the data provided with 3rd parties for marketing purposes. 
  • True and not misleading: The details provided for this application must be true and not misleading. Providing false or misleading information in order to obtain finance could be an act of fraud.
  • Contact: This application acts as consent to receiving contact from us by email, phone, text/WhatsApp, using the details provided, with regards to this enquiry.
  • Approval terms: Approval of finance is subject to confirmation of I.D. and affordability, and is subject to terms and conditions. The amount of finance approved may be limited by the value of the vehicle or the affordability assessment.
  • Dealer Commitment: Where the application is provided by the Vehicle Supplier (‘Dealer’), a commitment is made by the Dealer to comply with all relevant data protection, consumer rights and money laundering legislation, and operate in accordance with the FCA handbooks, current at the time of the application.
 
 

Privacy policy

Data Protection is a huge issue in the modern world, Above all, we keep your data safe and we never share it unless it’s absolutely necessary. 

CRAIN

The Credit Reference Agency Information Notice is important to understand how credit reference agencies use personal information.