Privacy Policy

1. ABOUT THIS NOTICE

Your privacy is important to us. Pinnacle Financial Contracts Ltd T/as motorfinance4u  (“we”/ “us”) would like to keep you informed on how we use your personal information and with whom we share that information.

We are committed to protecting your privacy and to providing transparency in regard to our processes. We will review and update this notice regularly in order to keep you informed of any changes and in accordance with current Data Protection Legislation. We recommend that you review this page from time to time.

Contact details relating to questions regarding the content of this notice or your rights in regard to your personal data are provided in section 10.

2. ABOUT US

Pinnacle Financial Contracts Ltd T/as motorfinance4u is a UK based company, registered in England & Wales 3659758 and we are regulated by the Financial Conduct Authority with Firm Reference Number 668117. Our ICO reference number is Z6631255.

We are a car finance broker, helping customers and motor retailers to obtain car finance for their customers

3. WHAT INFORMATION (PERSONAL DATA) DO WE HOLD?

The information you provide to us directly via our website or by phone, letter, email or other direct means is provided entirely voluntarily and will only be used for the purposes described in section 4.

We may also process personal data that we receive via our 3rd party retail partners such as car dealerships (further detail is provided in section 5).

The personal data we collect may include: Name, address and contact details; vehicle details; age and date of birth; bank account details; employment and occupation details and any other personal data specifically required to provide a service or product or in regard to recruitment activity. We will not collect personal data that is not relevant or required for the purpose intended.

In some cases, the data we will collect, and process may include special category information. This encompasses health-related information, records of convictions and offences, or allegations of criminal offences. We handle this data with the utmost care and confidentiality, ensuring it is processed lawfully, fairly, and transparently. We maintain strict security measures to protect your data and use it only for the purposes that we have clearly explained to you. Please note that we will always obtain your explicit consent before processing any special category information, unless we feel the processing is necessary to protect your vital interests or if the law allows us to do so. You have a right at any time to ask us to stop the processing of that specific data.
 

You may also provide us with documents pertaining to your financial affairs e.g. Identity Documents, Bank Statement, Wage Slips, proofs of address etc.

We also collect information from third parties about you, in paper and electronic form such as information from Credit Reference Agencies and dealerships from where you looking to purchase a vehicle from.

4. HOW WE USE YOUR INFORMATION

The table below explains the reasons we have for using personal data across our business activities, and the applicable legal basis.

https://www.moneybarn.com/privacy-policy/

5. WE MAY DISCLOSE YOUR PERSONAL DATA TO THE FOLLOWING:

Our Service Providers - We may disclose your personal data to our third party agents, brokers, services providers, repairers and subcontractors where they are contracted to provide services to us and to you, or to act on our behalf. We will only share personal data with these third parties that is specifically required for the processing or delivery of a service and we will ensure that they are contractually obliged to keep that data secure and not to use it for any other purpose than that agreed with us. Our two Service Providers are DealTrak and Auto Convert

Our Retailers - We may have received your personal data from a third party provider (for example the motor dealership where you are looking to buy a car), we may share your information with this retailer for the purposes detailed in section 4. We do not share your information with any other retailer. In many cases these retailers may also be acting as a Data Controller and will explain how to use your personal data in their own privacy policy which we advise you to review.

Credit Reference Agencies – We will share your personal information with credit reference agencies having advised you of this requirement and in line with the reasons set out in section 4. The identities of the Credit Reference Agencies and the ways in which they use and share personal information are explained in more detail at:

Experian:         www.experian.co.uk/crain

Equifax:           www.equifax.co.uk/crain

Call Credit:      www.callcredit.co.uk/crain

Legal and Regulatory Bodies – To meet our obligations under duty or legal obligation.

In the event that we sell or purchase a business or the assets of a business we may be required to disclosure relevant personal data to the other parties. These include The Financial Conduct Authority (FCA), The Financial Ombudsman Service (FOS), Credit Industry Fraud Avoidance System (CIFAS), the Police, or any other statutory, governmental, or regulatory body. If we are involved in a dispute with you, Solicitors or Debt Collection Agencies may be required to process your information.

We do not transfer your personal data outside the European Economic Area (“EEA”).

6. YOUR RIGHTS AND ACCESS

We are committed to ensuring you are confident in the placement of your personal data with us and would like to make you aware of your rights in its regard. We will acknowledge any query in relation to your rights at the earliest opportunity and may ask you for further information to enable us to complete your request.  We will respond in full where possible within 30 days following receipt of your request. Where this is not possible, we will advise you of the reason for this within 30 days.

You have the right to:

• withdraw any consent you have previously provided for direct marketing purposes;
• request a copy of the personal data we hold on you;
• ask us to delete the personal data we hold on you or request us to stop processing your personal data (this is not always possible but we will advise why not in our response);
• ask us to correct any inaccurate personal data;
• ask us to transfer your information to another Data Controller
• lodge a complaint about us with the data protection regulator – details for the Information Commissioners Officer (ICO) can be found with contact details in section 10.

7. HOW LONG WE KEEP YOUR PERSONAL DATA

Your personal data will not be kept for any longer than is necessary. Pinnacle Financial Contracts Ltd T/as motorfinance4u will follow strict protocols to delete information at appropriate times according to the retention period required for its original purpose.                                                                                                                                   

Where it is possible and practical to remove personal identifiers from data through the process of elimination, this practice will be followed.

In order to meet our legal and regulatory requirements and to bring or defend any legal claims, we will typically retain personal data for a period of six years following the end of contract or the last occasion for which it was required.

8. DATA SUBJECT RIGHTS RELATED TO AUTOMATED DECISIONING

Your right in relation to Automated individual decision-making, including profiling” to comply with Article 22 of the UK GDPR, which states “The data subject shall have the right not to be subject to a decision based solely on automated decisioning, including profiling, which produces legal effects concerning him or her or similarly significantly affects him or her.

9. SECURITY

Pinnacle Financial Contracts Ltd T/as motorfinance4u use technical and organisational security measures to protect the personal information you provide to us from unauthorised use, access or disclosure and from loss or destruction. These measures are under continual review and enhanced when practical and possible.

The security of your personal information and our Clients' information is important to us. When you enter sensitive information, such as login credentials we encrypt the transmission of that information using secure socket layer technology (SSL). We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it.

We secure the personally identifiable information provided to us by you and third parties (see section 3) on computer servers in a controlled, secure environment. This is performed by our service providers DealTrak and Auto Convert.

Though we commit to our best endeavours in regards to your data security, unfortunately, the transfer of data via the internet cannot be guaranteed as completely secure. We ask that you recognise your responsibility in regard to password confidentiality when using any of our systems or processes.

10. USE OF COOKIES

Cookies are pieces of data created when you visit a website, and contain a unique, identification number. Some cookies are stored in the cookie directory of your hard drive, and do not expire at the end of your session. Cookies do not contain any personal information about you and cannot be used to identify an individual user. When you visit a website, it will recognise your device on future visits. Unless you have adjusted your browser settings to refuse cookies, our system will issue cookies as soon as you visit our site.

Cookies do a number of different jobs such as remembering your preferences and chosen items, assisting you to improve your site experience as well as trying to ensure that the adverts or offers you see online are more relevant to you. To find out about specific cookies we use on our site, please see below.

The cookies can be categorised as follows:

• Strictly Necessary Cookies
• Performance Cookies;
• Functionality Cookies; and
• Targeting and Advertising Cookies

Strictly Necessary Cookies 

These cookies are essential in order to enable you to move through the Website and use its features. For those types of cookies that are strictly necessary no consent is required.

Performance Cookies

These cookies collect anonymous information on how our customers use the site and the data is merged with other users to enable us to improve how the site operates. We utilise Google Analytics cookies to help us understand how customers arrive and browse our site and highlight where we can improve areas such as navigation, customer experience and marketing campaigns. The data stored by these cookies is anonymised and never shows personal details from which your individual identity can be established. By using our site, you accept the use of "Performance Cookies". Accepting these cookies is a condition of the web site so if you prevent them we cannot guarantee how our site will perform for you.

Functionality Cookies

These cookies allow the Website to remember choices you make (for example the loan amount, credit score and repayment period selected when using the Car Finance Calculator) and provide enhanced, more personal features. These cookies enable us to provide you with an experience more appropriate with your selections and make the visits more tailored and pleasant. By using the Website, you agree that we can place these types of cookies on your device.

Targeting Cookies or Advertising Cookies

These cookies collect information about your browsing habits in order to make advertising relevant to you and your interests. They remember the websites you have visited and that information is shared with other parties such as advertisers.

You can change the settings on your browser to prevent cookies being stored on your computer/mobile device without your explicit consent. Your browser "help" section will normally provide details on how to manage the cookie settings. However, if you use your browser settings to block all cookies, you may not be able to access all or parts of our site.

 Google Analytics Demographics and Interest Reporting

We use Google Analytics to track your preferences and also to identify popular sections of our Website. Use of Google Analytics in this way, enables us to adapt the content of our Website more specifically to your needs and thereby improve what we can offer to you.

For more information about Google analytic cookies, please see Google's help pages and privacy policy: Google's Privacy Policy and Google Analytics Help pages

If you do not wish for us to collect and analyse statistical data related to your Website visit you may object to the future use of your data at any time (known as an "opt-out").

In order to implement your objection it is necessary to install an opt-out cookie on your browser. This cookie will only indicate that you have opted out.

It is important to note, that for technical reasons, the opt-out cookie will only affect the browser from which you actively object from. If you delete the cookies in your browser or use a different end device or browser, you will need to opt out again. For further information about the use of these cookies by Google click here

Google have developed the Google Analytics opt-out browser add-on for the Google Analytics JavaScript (ga.js, analytics.js, dc.js).If you would like to opt out of Google Analytics, you can download and install the add-on for your web browser..

11. CONTACT DETAILS

11.1 Pinnacle Financial Contracts T/as motorfinance4u (Us)

Should you have any questions about your personal data, require further information or wish to exercise a right under data protection legislation please contact us at:

Data Protection Officer
Pinnacle Financial Contracts Ltd T/as motorfinance4u.com

2 Hawkwell Barn

Hawkwell Business Centre

Maidstone Road

Pembury

Kent

TN2 4AG

EMAIL – sales@motorfinance4u.com
CALL – 01892 822000  (Mon to Fri 9.00 am to 6.00 pm)

Or via our website -  https://www.motorfinance4u.com

11.2 Information Commissioners Office  (ICO)

Tel - 0303 123 1113

Or via the ICO website - https://ico.org.uk/concerns/