Who we are:
This website is owned and operated by UK Car Finance Ltd, trading as Refused Car Finance (“we”, “us”, “our”) Company number 9397657.
What information we collect:
This provides an overview of how we collect your information and how your privacy is protected when you are on our site. Personal information on our website can be collected in two ways:
- Directly, (for example, the information you provide on forms on our website)
This information also includes your IP address for the purposes of tracking to understand how visitors use our sites, and utilize Google Analytics tracking to help us understand how visitors arrive, browse the site and highlight areas to improve such as navigation. This data is anonymous and will never show personal information that can reveal your identity.
We collect information when you choose to submit it to us as requested when you apply for services/products on our site.
How we will use this information:
We gather your information, which may include personal sensitive information, to assess and process your application and allow a third party lender (from our panel of carefully selected lenders) to provide you with suitable car finance for your personal circumstances. Any information relevant to your application is shared with our agents and third-party lenders to process your application.
In assessing your application for credit, we may search your credit file using credit references agencies (Experian, Equifax or any other credit reference agency we may be using at that time) for the purpose of considering your credit score in relation to your finance application. This credit check may or may not be visible on your credit file. The credit reference agencies we use will provide us with a computerised credit score and if we can proceed with your application based on this score, we will pass this information to suitable lenders.
Credit reference agencies hold public information such as registration on the electoral register, county court judgements, and bankruptcy or repossession orders.
Any information provided to us should be accurate and true. If information provided is found to be false or inaccurate, details will be passed onto fraud prevention agencies. To verify your identity, prevent crime and assist in the recovery of debt, we may exchange information with Fraud Prevention Agencies, Debt Recovery Agencies and any other relevant organisations. When you provide us with information for the purposes of your application, you consent to us providing your personal information for the above purposes.
Cookies do a variety of jobs from remembering your chosen items, preferences and ensuring the advertisements and offers are more relevant to you.
DoubleClick: We use Google Analytics remarketing codes to log when users view specific pages or take specific actions on a website. This allows us to provide targeted advertising in the future. If you do not wish to receive this type of advertising from us in the future you can opt out using the DoubleClick opt-out page or the Network Advertising Initiative opt-out page.
Cookies can be divided into the following categories:
- Strictly necessary: These cookies are required for the operation of the website and to enable you to do things such as logging in or using a shopping cart.
- Performance: These cookies collect anonymous data that is used to recognise and count the number of visitors to the site and see how they use the site. This help to improve the way the website works by ensuring users can find what they are looking for easily.
- Functionality: These are used to recognise when a user returns to the website and allows personalised content and preferences.
- Targeting: These cookies record when a user visits the website, pages they may visit and any links followed. This information can be used to make the website content and adverts more relevant to their interests.
Bank Account Transaction Information:
You are not required to provide us with viewing access to your bank account transaction information (Transaction History) or internet banking access details. You may still be allowed to apply for a loan with us if you do not provide us with this information. However, if you do it will help us make an informed decision about whether we can lend to you.
If you agree that we may access your Transaction History the following provisions shall apply:
Provide Accurate Information. You, agree to provide true, accurate, current and complete information about yourself and your bank accounts (with us or third parties) and you agree to not misrepresent your identity or your account information. You agree to keep your bank account information up-to-date, accurate and complete.
Purposes. We will access your Transaction History using the services of a credit reference agency called Perfect Data Solutions Limited (PDS). We will use your Transaction History to assess your creditworthiness and whether the loan you seek is affordable.
Neither we nor PDS will store or have access to your internet banking credentials, PIN codes or passwords. That information is encrypted in transit and stored by a third party service provider upon their servers in a secure environment outside the EEA.
Third Party Accounts. By agreeing to allow us viewing access to your Transaction History, you authorise PDS and PDS’s service providers to access third party sites designated by you, on your behalf, to retrieve information requested by us, and to register to view bank statements over a period of up to 90 days. You agree that PDS and PDS’s service providers may, and are instructed by you as your agent and nominated representative, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. This will include the following purposes: copying Transaction History over a 90 day period and storing the copied Transaction History on our servers.
You agree that the Transaction History shall also be used by PDS for credit reference agency purposes and may be taken into account when producing your individual credit score which may be shared with other organisations as part of your credit record.
You acknowledge and agree that when we, PDS or PDS’s service providers access and retrieve information and Transaction History from third party sites, this is undertaken as your agent, and not the agent on behalf of any third party (including the bank account provider). You should be aware that third party account providers shall be entitled to rely on this authorisation and agency granted by you. You should also be aware that this service is not endorsed or sponsored by any third party bank account providers. We would recommend that you refer to the terms and conditions of your internet banking provider if you would like more information.
You understand that allowing us to review your Transaction History is at your sole risk.
We are only able to review your Transaction History on an “as is” and “as available basis” as it is made available to us by service providers. It may not be available to us from time to time.
We cannot guarantee that allowing us to review your Transaction History will guarantee the success of your loan application or the rate at which the loan is available.