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Privacy Notice

We are Simple Car Finance, which is a trading name of Cheshire Motor Traders Ltd. When we use "We" in this notice we mean us or anyone acting on our behalf, such as our suppliers.

Please read this notice to understand how and why we will process your personal information in connection with this application. This notice is given in addition to our Privacy Statement, which covers our processing of personal information more widely than only this application and contains more details about how we will process your personal information.

Our Privacy Statement is published at https://www.simplecarfinance.co.uk/privacy-statement and https://www.simplecarfinance.co.uk/fair-processing ,you are encouraged to read both in full.

We process your personal information including:The personal information that you give us during an application for or purchase of any product or service from us, or that you have given to us during a previous application or as a customer;The personal information that we obtain about you from the broker, introducer or motor dealer who helps arrange the application for you;The personal information that we receive from third parties such as credit reference agencies and fraud prevention agencies (see below), or tax authorities, where we need to contact these third parties as part of your application or in servicing your account with us. We also receive information from your employer where you have provided your employment details;The personal information that you give us while servicing your account via our website, in writing or over the phone; andThe personal information that you give us if you request information or assistance from us or make a complaint.We use your personal information as set out in our Privacy Statement and fair processing notice: https://www.simplecarfinance.co.uk/privacy-statement https://www.simplecarfinance.co.uk/fair-processing

We use and share your personal information with credit reference agencies We use and share your personal information for crime and fraud prevention and anti-money laundering: We use and share your personal information to make decisions about whether and how much to lend to you: We use your information to recover debts / money which you owe to us:

We share your information with third party lenders: We may share your information if we sell our business or your Finance agreement: We retain your information in accordance with applicable laws We or fraud prevention agencies may transfer your personal information outside of the European Economic AreaWe respect your rightsYour personal information is protected by legal rights, which include your rights to: object to our processing of your personal information; request that your personal information is erased or corrected; request human intervention if a decision has been made solely on the basis of automated decision making; request access to your personal information.For more information or to exercise your data protection rights please, please contact usYou may contact us or make a complaint by following our complaints process. https://www.simplecarfinance.co.uk/complaints

What personal information we process This personal information includes your:Name;Date of birth;Address, including your address history;Telephone number;Email address;Passport information, driving licence, or national identity card when you provide this as proof of identity;Details of expenditure;Bank details;Bank statementsCredit history, and records relating to your partner or anyone else you are financially linked with (we receive this information from the credit reference agencies and fraud prevention agencies);Insurance details of the vehicle;Transaction and debit or credit card information;Employment/self-employment details;Income and taxation information;Information regarding whether you have any dependants;Identifiers assigned to your computer or other internet connected device including your IP address;Information linked to your mobile telephone number;Details about whether you own your property, rent it or live with others;Information you make public (for example on social media);Your proposed or leased vehicle details for motor finance;Information relating to how you conduct your account and our dealings on it

How we use your personal informationIn summary, we use your personal information for the purposes of:Service provision and internal processing (i.e. to assess and/or provide the Finance agreement and to service your account, including by way of automated decision making);Management of relationship (e.g. to develop your relationship with us);Tracing customers and recovering debts;Queries/problems (e.g. responding to complaints or contacting you if you do not complete your application);Training and service review (e.g. to help us enhance our services);Statistical analysis (e.g. to help us enhance our products and services); andComplying with legal obligations (e.g. to prevent, investigate and prosecute crime, fraud and money laundering - please see below).We process your personal information to fulfil our contract with you, where we have a legitimate interest to do so (except where it would override your interests or fundamental rights and freedoms which require the protection of personal information), where otherwise permitted by law, or to comply with applicable law and regulation.Where we or the third parties (including credit reference agencies or fraud prevention agencies) process your personal information, it will be processed: because we or they need to do so as a direct consequence of fulfilling your request (for example, to check your identity in order to consider you for a Finance agreement);To comply with applicable laws or regulations, or as permitted by applicable law, or on the basis that we or they have a legitimate interest (for example, managing our risk or preventing crime, fraud and money laundering), and in order to protect our business.

Sharing with Credit Reference AgenciesBefore completing a Finance agreement we will undertake checks with credit reference agencies for the purposes of assessing whether to lend to you. These checks require us to process personal information about you and include credit scoring. We continue to undertake these checks even after we have made a Finance agreement to evaluate our risk.Credit reference agencies add to the record about you, information about your application and repayment history, including any default or failure to keep to the terms of an agreement with us. These records will be shared with other organisations may be used and searched by us and them to:Consider applications for credit and credit related services, such as insurance, for you and any associated person; and trace customers, recover debts, prevent or detect money laundering and fraud, and to manage accounts.We use Equifax and/or Call Credit as our credit reference agencies. More information about the credit reference agencies and how they process your personal information is available at: www.experian.co.uk/crain and https://www.transunion.co.uk/crainYou can also find information about the credit reference agencies on the website of the Information Commissioner's Office at https://ico.org.uk/for-the-public/credit

For crime and fraud prevention and anti-money launderingBefore we make a Finance agreement, we undertake checks for the purposes of detecting and preventing crime, fraud and money laundering, and to verify your identity. These checks require us to process your personal information with the credit reference agencies or fraud prevention agencies. We may ask you to provide additional information. We continue to undertake these checks even after we have given you an account, for the same purposes.A record of any fraud or money laundering risk will be retained by the fraud prevention agencies and may result in others refusing to provide services or financing to you. If you have any questions about this, please contact the fraud prevention agencies on the details below.We, and fraud prevention agencies, may also enable law enforcement agencies to access and use your personal information to detect, investigate and prevent crime.Fraud prevention agencies hold your personal information for up to two years, and if you are considered to pose a fraud or money laundering risk, your information is held for up to six years.The fraud prevention databases we use are provided by: The UK’s Fraud Prevention Service, Experian and Call Credit. Further information can be found at www.experian.co.uk, www.callcredit.co.uk/crain,

Automated decision makingAs part of the processing of your personal information, some decisions are made by automated means.Our processes to verify your identity and undertake checks to detect and prevent money laundering checks can result in an automated decision. This means we automatically decide that you pose a fraud or money laundering risk if:our processing reveals your behaviour to be consistent with that of known fraudsters or money launderers; oris inconsistent with your previous submissions; oryou appear to have deliberately hidden your true identity.In some cases, we also use automated decision making to decide whether to offer you a Finance agreement and the rate of interest for the Finance agreement, whether we think that you can afford the Finance agreement and will abide by the terms of any Finance agreement including whether you will repay the Finance agreement. This will involve us using logic to process different sources of information about you, such as from credit reference agencies, as well as our own algorithms to control our risk. Credit scores are produced from data such as credit commitments, whether you have made repayments on time, whether you have any history of insolvencies or court judgements, and how long you have lived at your current address. Our automatic decision may also be affected if we do not have enough statistically significant data about others who have similar circumstances to you to confidently assess our risk.If we make a decision solely on the basis of automated decision making, you have rights and, for example, you can request human intervention and ask us to reconsider your application. If you want to know more please contact us.

Debt recoveryIf you owe us money, or if we suspect fraud, we may process your personal information in connection with pursuing the recovery of that money or prevention of that fraud. We disclose information about non-payment, late payment or suspected or actual fraud to credit reference agencies, fraud prevention agencies and law enforcement or government agencies in accordance with the law. We use additional sources of personal information such as data obtained from providers of debt recovery or anti-fraud information, and we also process other personal information about you such as CCTV footage and information that you make public.

Third party lendersIn some circumstances we might share your application with other lenders with whom we have a relationship, in case we do not wish to lend to you but another lender might. We will tell you before we do this and give you the opportunity to choose whether or not to allow your information to be shared in this way.Sell our business or your Finance agreementIf we sell all or part of our business, including your Finance agreement, we will share your information with the purchaser and organisations acting upon its behalf.Retain your informationThe personal information that you provide is retained by us in accordance with applicable laws. We take reasonable steps to destroy or anonymise personal information we hold if it is no longer needed for the purposes set out above.Transfer outside of the EEAWhenever we or fraud prevention agencies transfer your personal information outside of the European Economic Area, we or they impose contractual obligations on the recipients of that information to protect your personal information to the standard required in the European Economic Area, or may require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.DPOIf you are unhappy about how your personal information has been used please contact our data protection officer using the details set out below. You also have a right to complain to the InformationCommissioner's Office (https://www.ico.org.uk), which regulates the processing of personal data.Our data protection officer can be contacted by telephone or in writing.Data Protection OfficerCheshire Motor Traders Ltd The Old Glass Works 37 Canal Street Stockport Cheshire SK1 3BZ

Fair Processing Notice

By pressing submit you confirm you are happy for us to contact you to discuss your finance enquiry. Please note, you have agreed to proceed to an application, we will carry out a credit check to determine if you meet our underwriting criteria and assess your ability to pay.

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found at https://www.simplecarfinance.co.uk/fair-processing-notice/.

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