With regard to this Privacy Statement for Car Finance Giant, ‘we’ or ‘us’ means Finance Giant t/a Car Finance Giant. Registered in England and Wales, our company number is 09749034 and we are fully regulated in accordance with the Financial Conduct Authority (FCA) under ref. number 726597
With regard to your privacy, we treat this with utmost importance. We are totally committed to keeping your information safe and secure, managing it in line with our legal responsibilities and in accordance with all necessary laws of data protection. Our company is registered as a data controller under the reg. number ZA269953 with the UK Information Commissioner's Office (ICO).
You need to pay careful attention to the content of this Privacy Statement as it holds important information that will enable you to fully understand our processes with regard to how we deal with your personal information.
When you access, use or browse our website or mobile app, you are confirming that you have read and agreed with the contents of this Privacy Statement. If you do not agree with it then you should not use our website or mobile app. If you wish to apply for one of our products/services online or by phone and do not agree with this Privacy Statement then you are advised not to proceed with your application.
What sort of information do we collect?
We may collect any type of personal information (this means any information concerning a person whose identity is known or can be gleaned from this information) from you with regard to any of our products or services, including the following details about you:
Other sensitive information – this may be in connection with your health or an illness or disability that you have told us about (refer to our section on Sensitive Personal Data).
Where any of this information is shown as being mandatory when you make an application, you will need to provide us with this if your application is to go ahead. If you complete the mandatory sections but don’t complete the full application, we may use the partial information given to contact you to help with the process of application.
Collecting your information (how we do it)
At times we may collect information with regard to the following:
If you use any features on our website or mobile app which asks for information in order for the feature to be used
There are in total 4 lawful bases for processing data which have been defined as follows:
Enabling you to search our database prior to dealer introduction
CONTRACT – processing has to be carried out with regard to the performance of a contract which an applicant is party to, or to allow steps to be taken as requested by the applicant prior to the contract taking effect. This contract could relate to credit broking and/or insurance broking. These activities require the business to collect/process personal information in order to carry out its obligatory introduction process, particularly with regard to the data relating to the application process.
Information Commissioner’s Office (ICO) to show that the necessary technical arrangements are in place to allow control and processing of data.
LEGITIMATE INTERESTS – processing is required so that credit profiling can be carried out by Car Finance Giant so that product offers can be developed and improved. Data held for this purpose will be retained purely in order to improve service/product offerings and will never be used for any other purpose, including communicating with you as an individual.
All of these 4 legal bases for processing will apply and Car Finance Giant will not use your personal data for any other purpose, other than shown with this Privacy Statement.
Whilst processing your personal information, Car Finance Giant may pick up special category data. If this is the case we will always ask for explicit consent from you when recording this data and will only use it for the specific purpose of providing the contract.
Car Finance Giant and any associated companies rely on the lawful bases of consent, contract and legal obligations if we need to process data with regard to an employment application.
We will use your information in connection with the following:
Service provision & internal processing –
To provide you with information with regard to products/services requested by you
Relationship management –
To advise you of any new products/services and select those which may be of interest to you and if you have chosen to be made aware of these, to assist you with future applications
To let you know if you have not completed an application
Statistics, training and service review -
To carry out research and statistical analysis, using anonymous data where possible
Legal Obligations –
Fraud or money laundering risks are recorded by fraud prevention agencies hence others may also refuse services, finance or employment. Please ask for further details if required
Fraud prevention agencies may hold your data for varied periods and if they consider you a risk or pose a threat with regard to fraud/money laundering, they may hold your data for 6 years.
For any other purpose that you have agreed to
The ways in which we may share your information
Detailed below are the 3rd parties with whom we may need to share your personal information in order provide you with services/products:
Finance for cars, bikes and vans –
Our partners, taking account of motor dealers, lenders, brokers and introducers, will depend upon your credit profile and all criteria determined by lenders.
Our current panel of lenders includes the following:
or even the Insurance Fraud Bureau and all other bodies permitted to by law, including but not limited to the following:
The provision of government services and/or services that prevent the incidence of driving whilst uninsured
When you are involved in a road accident – in the UK, EEA or other territories – insurers and the MIB may search the MIB to obtain information. If you make a claim with regard to a road traffic accident (taking into account citizens of other countries), your or your representative may obtain details from the MID.
If incorrect/false information is provided this may result in your quote being invalid or your insurance policy being cancelled at some time later.
Service providers, debt recovery agencies, investigators or tracing agents/solicitors for the purpose of collecting monies/assets due or showing as outstanding on your account.
If we sell performing/non-performing accounts, we will advise you of this.
When you apply for any of our services/products we will carry out both identity and credit checks with one or several credit reference agencies (CRA). We will give them your personal information and they will in turn provide us with details about you. This will include all information from your application for credit as well as your financial history and situation i.e. CCJs or bankruptcies. CRAs will provide us with public and shared credit details including your financial situation and history, fraud prevention information and electoral registration listings.
This information will be used by us to:
Make sure that offers given to you suit your circumstances
During your relationship with us we will continue to exchange information with CRAs, informing them if you settle accounts or if you do not pay on time. They will record this on your credit file and may supply details to other organisations. When we carry out a search of your credit file through the CRAs, a ‘footprint’ will appear on your credit file, able to be seen by other lenders.
If your application is joint, we will link your records together so always discuss and share this information with your partner before making the application. CRAs will also link your files and they will remain linked unless one of you asks for a disassociation via the CRAs.
Full details of the CRAs, how they act as a fraud prevention agency, use and share personal data, retention periods of data and data protections rights are shown fully in the Credit Reference Agency Information Notice (CRAIN) which can be obtained from Callcredit, Equifax or Experian:https://www.callcredit.co.uk https://www.equifax.co.uk https://www.experian.co.uk
If fraud prevention agencies send your personal data to a location outside of the EEA (European Economic Area), contractual obligations will be imposed on the recipients in order to protect this data in ways defined by the EEA. The receiver may also need to subscribe to ‘international frameworks’ which are used to ensure secure sharing of data.
Your credit score will be calculated automatically and then subjected to a manual assessment. If we rejected your application due to your credit score, you could ask for this to be looked at manually and reconsidered.
Retaining your personal information and data
Personal information given to us by you will be retained in line with all laws that apply. In accordance with these laws, data will only be retained in accordance with our policy and only used as detailed; marketing activity can only be carried out if you consent after the conclusion of your relationship with our company or any of its subsidiaries. Where this information is held under our legitimate interest’s basis, identifying fields will be replaced with artificial identifiers and held securely, not being used to contact you for marketing purposes. Our retention policy is in line with all individual rights and freedom hence any request made in line with those rights will be dealt with according to all obligations or lawful bases.
Sensitive personal data
Sensitive personal data can be referred to as information pertaining to a person’s health, criminal convictions etc. or any personal details that would be closely protected. Normally we do not process this type of information unless you voluntarily provide it. If you have provided us with sensitive personal data, you agree that you have done so voluntarily and agree that we can use it to provide you with products/services or determine your fitness to avail yourself of them. Usually we will minimise the collection of
If you say that you are happy for us to send you information, we may send you communications regarding products that we think you will find interesting. This may include similar products from our partners, where you have given your agreement. We will communicate with you via letter, phone or text, depending upon which option you have shown as being preferred. If you do not wish to receive communications from us in the future (apart from details of products/services specifically requested by you) you can unsubscribe by contacting us or clicking on links shown in any email.
Referring a friend
If you provide us with details of a friend to whom we should send an email, you are confirming:
We will not use your friend’s details for marketing purposes of any type.
3rd party websites
Emails sent to you via the internet may be lost, altered or intercepted so we are unable to guarantee their security. We do our best to protect your personal information but cannot guarantee the security of data sent by email. We accept no liability for any damages or costs resulting due to emails sent to you by us. If you wish to contact us, please refer to our Contact Us section.
Our website is not intended to be used by anyone under the age of 18 without involvement/agreement by their parent/guardian. We do not knowingly collect personal information from anyone below the age of 18.
How we keep your information secure
We make use of suitable resources to protect your personal information from any unauthorised access, misuse, loss, disclosure or modification as follows:
Whilst processing your data we may need to carry out some processes outside of the EEA where different privacy laws apply. In this regard, you agree to the transfer of personal information to these countries. We only do this when we are sure that suitable levels of protection are in place in that country to protect information and that the service provider complies with all privacy laws applicable.
Updates to our Privacy Statement
This Privacy Statement applies to all services offered by Finance Giant t/a Car Finance Giant and any other trading names. We review our Privacy Statement from time to time. We will never reduce rights pertaining to you under this Privacy Statement unless you give consent. Any changes will be posted on this page if they are significant, we will produce a notice – possibly with an email notification of Privacy Statement changes. If you do not wish to accept the changes to our Privacy Statement then you should not use our website as this may affect our ability to provide you with some of our products/services. Refer to section ‘Your Rights/Freedom’ for further details.
Under Data Protection law you have certain rights:
Right to data portability – you have the right to receive personal data that you have provided to us in either a commonly used, structured or machine readable format and the right to transmit that data to some other controller in a timely way, usually within 72hrs unless evidenced to be unduly unreasonable/ excessive.
You also have rights with regard to automated decisions and this is shown elsewhere in this Privacy Statement.
Finance Giant t/a Car Finance Giant have put in place a robust policy and adequate procedural requirements to allow your rights as a data subject to be adhered to. If this is not possible for any reasons outlined we will confirm this to you in detail.
With regard to your rights, you can contact us at the address below (we will need to verify your identity).
Should you have any complaint as to how we have dealt with your personal information, you can get in touch with us using the details below and we will look into your complaint. You may also lodge a complaint with a supervisory authority (such as the ICO) if you have tried to resolve the issue with us.
ve any questions at all with regard to this Privacy Statement or you think we may have incorrect data held about you or you would like a copy of information held about you, you can request details of this personal information that we hold about you. Please contact us via any of the methods shown below:
30 St Mary Axe,
London EC3A 8EP
Queries: email@example.com o
Telephone queries: 0203 096 7164
9am to 8pm Monday - Friday
9am to 6pm Saturday
10am to 6pm Sunday and Bank Holidays