Privacy Policy
How we use your data
The information you provide is subject to EU General Data Protection Regulation. In accepting our terms of service, you consent that we may process your personal data for the purposes of arranging vehicle finance and insurance products. The word “Processing” includes obtaining, recording and holding information about you, your partner and your family finances; we obtain that information directly from you, and from third parties who you authorise to provide information. You provide information through our computer or paper application process, in your telephone conversations with us, and by letters and emails, you send us. We record this information on paper files and our computer databases. We also record electronically our telephone conversations with you. You may also provide us with copies of documents about your financial affairs which we retain. e.g. wage slips, bank statements, copies of identification, etc. We also collect information from third parties about you, in paper and computer forms. e.g. information from car dealers about the car you are purchasing, and information from credit reference agencies.
Primarily, we use your data and data about your family’s circumstances to arrange vehicle finance and insurance products on your behalf. The collection of data is necessary for us to perform our contractual responsibilities to you; i.e. the provision of the services you have requested. If you limit the information you provide to us, or decline to answer certain questions, then we may not be able to help you.
When we undertake our research, or when we arrange finance or insurance for you, we will pass some of your information to the chosen finance provider or insurance company. These companies ask for your information in the form of an application document (which could be electronic). They will ask for other supporting data relevant to your transaction and copies of your identification documents. These product providers may administer your arrangements and provide services from centres outside Europe (e.g. India, USA); these countries may not always have the same standard of Data Protection laws as the UK and EU. However, the providers of these services are required to put a contract in place to ensure that your information is adequately protected, and they will remain bound by their obligations under GDPR even when your personal information is processed outside Europe. Examples of lender Privacy Policies may be found at: https://www.closemotorfinance.co.uk/ privacy-policy or https://www.moneybarn.com/ privacy-policy/.
Other lenders will have their own privacy policies available on their web sites.
“Processing” your data also includes transferring your data to other companies and agencies associated with us, who are part of the process. Those companies and agencies could be: (1) product providers - as explained above; (2) Credit reference agencies (see below) and lenders who provide background financial information about you; (3) the FCA, the FOS, the police, or any other statutory, governmental or regulatory body – if they request to see our files or you make a complaint; (4) solicitors and debt collection agencies – if we are involved in a dispute with you; (5) third-party suppliers who provide services to us for quality control purposes and administration. e.g. business processing services, SMS text update services, client database systems, or compliance and regulatory advice services; (6) Our account managers who work with the motor dealers (7) motor dealers who are arranging the purchase of your vehicle. You agree that relevant personal information held by ourselves may be disclosed on a confidential basis, and in accordance with regulations, to any such parties. Under the rules of the EU GDPR, we are classed as the “data controller”, and we must fulfil certain legal responsibilities to you. By sharing your data with other organisations there will be multiple “data controllers” involved in the process who must equally fulfil these responsibilities to you.
Use Of Your Personal Information by Credit Reference Agencies and Fraud Prevention Agencies
1) When you apply for finance with Prestige Car Sales Limited your details will be passed to our chosen Credit Reference Agency (CRA), Equifax Ltd (contact details below) and the following records may be created or accessed:
a) Our own
b) Those at Equifax Ltd. When Equifax receives a search request from us they will place a soft quotation footprint that will be visible to you only on your credit file. Other parties including lenders will not see this and it will not affect your credit score / rating or ability to apply for finance from other lenders.
c) We will access from Equifax Ltd both public (including the electoral register) and shared credit and fraud prevention information. This information will be used to check your eligibility against a select group of lenders.
d) We will only provide a list of lenders that you are likely to be accepted by, utilising the data returned by Equifax Ltd and our knowledge of the lenders acceptance criteria.
e) Those at fraud prevention agencies (FPAs). We will make checks such as assessing this application for credit and verifying identities to prevent and detect crime.
2) Information on applications will be sent to CRAs and will be recorded by them.
3) If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
4) Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the General Data Protection Regulations 2018.
You can find out more by contacting either us using the contact details given at the bottom of this page or Equifax using the following contact details:
Equifax Ltd, Customer Services Centre, PO Box 10036, Leicester, LE3 4FS or call 0800 014 2955 or log on to www.equifax.co.uk.
We will not contact you (or pass your details to other companies associated with us) with details of any other similar products, promotions, or for related marketing purposes.
The information you provide may also contain “special personal data.” This is defined as information about your health (or that of your family), any information related to your ethnic origin, criminal offence data, political opinions, religious or philosophical beliefs, sexual orientation, or your membership of a Trade Union. e.g. During our telephone conversations, you may tell us about your state of health.
We will retain your data for the purposes of providing our services, and for future administration. We will also retain your data according to the statutory requirements for regulated products. This will be held for the duration of any credit agreement. If you want details of the statutory retention periods for various products, please contact us and we will obtain the latest legal position on your behalf. If you wish us or any company associated with us to cease processing your personal data or special personal data, please contact The Data Protection Officer at our office address.
Steps will be taken to ensure that the information we hold is accurate, kept up to date and not kept for longer than is necessary. We will correct any information when you tell us that we hold inaccurate data. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss, destruction or damage to the data. Subject to certain exceptions, you are entitled to have access to your personal data held by us, and this will normally be free of charge. You would only be charged a fee to provide further copies of the same information already provided, or if your request is unfounded, excessive or repetitive. (The fee will be based on the administrative cost of providing the information.)
You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for the legitimate purposes we have described.
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 requested in writing(see company address below)
1. WHAT INFORMATION DO WE COLLECT?
We may collect, store and use the following kinds of personal information:
A. Information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation.
B. Information relating to any transactions carried out between you and us on or in relation to this website, including information relating to any purchases you make of our goods or services.
C. Information that you provide to us for the purpose of registering with us.
D. Information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters.
E. Information that you provide to us for the purpose of subscribing to our website services, email notifications and/or newsletters.
F. Other information.
2. COOKIES
A cookie consists of a piece of text sent by a web server to a web browser, and stored by the browser. The information is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser.
We may use both "session" cookies and "persistent" cookies on the website. We will use the session cookies to: keep track of you whilst you navigate the website; and other uses. We will use the persistent cookies to: enable our website to recognise you when you visit and revisit the site.
Session cookies will be deleted from your computer when you close your browser. Persistent cookies will remain stored on your computer until deleted, or until they reach a specified expiry date.
We use Google Analytics to analyse the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on users' computers. The information generated relating to our website is used to create reports about the use of the website. Google will store this information. Google's privacy policy is available at: http://www.google.com/ privacypolicy.html.
Our advertisers/payment services providers may also send you cookies.
Our advertising services providers may send you cookies for the purpose of enabling the service of advertisements based on your previous visits to our website.
We publish Google Adsense interest-based advertisements on our website. These are tailored by Google to reflect your interests. To determine your interests, Google will track your behaviour on our website and on other websites across the web using the DART cookie. You can view, delete or add interest categories associated with your browser using Google's Ads Preference Manager, available at: http://www.google.com/ ads/preferences/. You can opt-out of the Adsense partner network cookie at: http://www.google.com/privacy/ads/ or using the NAI's (Network Advertising Initiative's) multi-cookie opt-out mechanism at: http://www.networkadvertising.org /managing/opt_out.asp. However, these opt-out mechanisms use cookies, and if you clear the cookies from your browser your opt-out will not be maintained. To ensure that an opt-out is maintained in respect of a particular browser, you should use the Google browser plug-in available at: http://www.google.com/ads/ preferences/plugin.
Most browsers allow you to reject all cookies, whilst some browsers allow you to reject just third party cookies. For example, in Internet Explorer you can refuse all cookies by clicking "Tools", "Internet Options", "Privacy", and selecting "Block all cookies" using the sliding selector. Blocking all cookies will, however, have a negative impact upon the usability of many websites, including this one.
3. USING YOUR PERSONAL INFORMATION
Personal information submitted to us via this website will be used for the purposes specified in this privacy policy or in relevant parts of the website.
We may use your personal information to:
A. Administer the website;
B. Improve your browsing experience by personalising the website;
C. Enable your use of the services available on the website;
D. Send to you goods purchased via the website, and supply to you services purchased via the website;
E. Send statements and invoices to you, and collect payments from you;
F. Send you general (non-marketing) commercial communications;
G. Send you email notifications which you have specifically requested;
H. Send to you our newsletter and other marketing communications relating to our business or the businesses of carefully-selected third parties which we think may be of interest to you by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications)
I. Provide third parties with statistical information about our users – but this information will not be used to identify any individual user;
J. Deal with enquiries and complaints made by or about you relating to the website;
K. Other uses.
Where you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the licence you grant to us.
We will not without your express consent provide your personal information to any third parties for the purpose of direct marketing.
All our website financial transactions are handled through our payment services provider. We will share information with our payment service provider only to the extent necessary for the purposes of processing payments you make via our website and dealing with complaints and queries relating to such payments.
4. DISCLOSURES
We may disclose information about you to any of our employees, officers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes as set out in this privacy policy.
In addition, we may disclose your personal information:
A. To the extent that we are required to do so by law;
B. In connection with any legal proceedings or prospective legal proceedings;
C. In order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
D. To the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling.
E. To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.
Except as provided in this privacy policy, we will not provide your information to third parties.
5. INTERNATIONAL DATA TRANSFERS
Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this privacy policy.
The information which you provide may be transferred to countries which do not have data protection laws equivalent to those in force in the European Economic Area.
In addition, personal information that you submit for publication on the website will be published on the Internet and may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.
You expressly agree to such transfers of personal information.
6. SECURITY OF YOUR PERSONAL INFORMATION
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
We will store all the personal information you provide on our secure (password- and firewall-protected) servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.
Of course, data transmission over the internet is inherently insecure, and we cannot guarantee the security of data sent over the Internet.
You are responsible for keeping your password and user details confidential.
We will not ask you for your password (except when you log in to the website).
7. POLICY AMENDMENTS
We may update this privacy policy from time to time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes. We may also notify you of changes to our privacy policy by email.
8. YOUR RIGHTS
You may instruct us to provide you with any personal information we hold about you. Provision of such information may be subject to:
Subject to certain exceptions, you are entitled to have access to your personal data held by us, and this will normally be free of charge. You would only be charged a fee to provide further copies of the same information already provided, or if your request is unfounded, excessive or repetitive. (The fee will be based on the administrative cost of providing the information.)
The supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).
We may withhold such personal information to the extent permitted by law.
You may instruct us not to process your personal information for marketing purposes, by sending an email to us at enquiries@motionfinance.co.uk. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt-out of the use of your personal information for marketing purposes.
9. THIRD PARTY WEBSITES
The website contains links to other websites. We are not responsible for the privacy policies or practices of third-party websites.
10. UPDATING INFORMATION
Please let us know if the personal information which we hold about you needs to be corrected or updated.
11. CONTACT
If you have any questions about this privacy policy or our treatment of your personal information, please contact us by email on info@prestigecarsalesltd.com or at address Rear of 361 Watling Street, Radlett, Hertfordshire WD7 7LB.
12. DATA CONTROLLER
The data controller responsible in respect of the information collected on this website can be contacted via enquiries@motionfinance.co.uk or by post.
Our data protection registration number is ZA794466
What is an Initial Disclosure Document?
The Financial Conduct Authority (FCA) is the independent regulator of financial services. The FCA require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us and what to do if you have a complaint.
Who regulates us?
Prestige Car Sales Limited is authorised and regulated by the Financial Conduct Authority reference: 921542 You can check this on the FCA's website www.FCA.gov.uk/register or by contacting the FCA on 0300 500 8082.
Treating Customers Fairly (TCF)
Prestige Car Sales Limited is committed to ensuring that the FCA principle of treating customers fairly (TCF) is applied in all areas of our day-to-day business activities. We aim to ensure that the TCF principle is embedded and rooted in everything that we do. This principle underpins how we operate and function as a business.
Which service will we provide you with?
We offer a non-advised service, meaning we cannot give you advice or a recommendation on products. But in assessing your application we will ask you for information to enable us to identify your needs and present a selection of products relevant to your requirements. You will then need to make your own choice about how to proceed. You will receive the precontract credit information which will detail the Terms & Conditions of the product you have chosen and advise you about any other fees and interest relating to the product. Please note that telephone calls may be recorded for training and monitoring purposes.
What products do we offer?
We offer a limited number of finance products from a selected panel of lenders. These products can be viewed in more detail by accessing the following link on our website www.prestigecarsalesltd.com, alternatively, you can request a copy to be sent by email or post. We would advise you to view these to ensure you are satisfied that the product you have chosen meets your requirements. Prestige Car Sales Limited is a credit broker, not a lender.
What will you have to pay us for our services?
We do not charge a fee for the introduction to the finance provider; however, where we source the vehicle, we may charge a Broker Service Fee.
Commission Disclosure
We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. The amount of commission can be made available to you upon request in writing.
Suitability and Affordability
We aim to support and tailor our service appropriately to those customers who may be particularly vulnerable due to their current circumstances or recent life events. If you have a disability, physical or mental health condition, feel vulnerable due to a change in personal circumstances, or just need extra support please let us know and we will do our best to help you. You should make sure you have sufficient time and support to assess the information given to you and ensure the funding option offered is suitable for you and meets your requirements. If you are unsure, please don't hesitate to ask us for further explanations, help and support.
It is important that you only enter into an agreement if you can comfortably afford the repayments. You should assess the monthly payments you are required to make throughout the term of the agreement and ensure you can meet these and other current obligations without suffering undue hardship. If you are aware of any changes in your life or your household circumstances, that may affect your ability to maintain your loan repayments, please make us aware. Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.
What to do if you have a complaint
If you wish to make a complaint, the first step is for us to understand your complaint. You can contact us by:
- Phone: 02036339008
- Post: Prestige Car Sales Limited Rear of 361 Watling Street Radlett Hertfordshire WD7 7LB
- Email: complaints@prestigecarsalesltd.com - Please provide your name and contact number where we can get in touch with you between the hours of where we can contact you between the hours of 9am - 6 pm Monday to Friday.
We will promptly acknowledge your complaint in writing, investigate your complaint and endeavour to send you a final response within 8 weeks of receipt of the complaint. If we are unable to provide you with a final response within this time, we will send you an update. If you are not happy with our response, and you are an eligible complainant, you can escalate your complaint to the Financial Ombudsman, you must do so within six months of the date of the final response letter. You can contact them:
- By phone: 0800 023 4567
- By post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
- By Email: complaint.info@financial-ombudsman.org.uk
Alternatively, Prestige Car Sales Limited are proud members of the AA mediation service.
The AA dealer support service can assist with disputes that arise between consumers and Code-accredited businesses.
To make a complaint to AA dealer support service you can contact us for further information.
Our trading address is: Prestige Car Sales Limited Rear of 361 Watling Street Radlett Hertfordshire WD7 7LB
Last updated: 14/12/2023
