Privacy Policy
Last updated:
Quick Car Finance UK ("we", "us", "our") is committed to protecting and respecting your privacy. This policy explains how we collect, use, and share your personal data when you use our website at quickcarfinanceuk.com.
1. Who We Are
Quick Car Finance UK is a credit broker operating in the United Kingdom. We are authorised and regulated by the Financial Conduct Authority for credit broking. If you have any questions about this privacy policy or your personal data, please contact us at our contact page.
2. Information We Collect
We may collect and process the following information:
- Information you provide when completing our online enquiry form, including your name, address, date of birth, employment status, and financial information.
- Information collected automatically when you visit our website, such as your IP address, browser type, operating system, and pages visited.
- Information from cookies and similar tracking technologies (see our Cookie section below).
- Communications you send to us, including emails and enquiries.
3. How We Use Your Information
We use your personal information to:
- Process your car finance enquiry and connect you with appropriate lenders from our panel.
- Communicate with you about your application and related services.
- Comply with legal and regulatory obligations.
- Improve our website and services.
- Detect and prevent fraud.
- Send you marketing communications where you have consented or we have a legitimate interest to do so.
4. Legal Basis for Processing
We process your personal data on the following legal bases:
- Contract: Processing necessary to fulfil our obligations to you.
- Legal obligation: Processing required by law or regulation.
- Legitimate interests: Processing for our legitimate business interests where these are not overridden by your rights.
- Consent: Where you have given explicit consent for specific processing activities.
5. Sharing Your Information
We may share your personal information with:
- Lenders and finance providers on our panel for the purpose of processing your finance application.
- Credit reference agencies to assess your creditworthiness.
- Fraud prevention agencies.
- Third-party service providers who assist us in operating our business (subject to confidentiality agreements).
- Regulatory and law enforcement bodies where required by law.
We do not sell your personal data to third parties.
6. Credit Checks
When you submit an enquiry, we may conduct a soft credit search which will not affect your credit score. If you proceed with a full application, a hard credit search may be carried out by the lender, which may be visible to other lenders and may affect your credit score.
7. Data Retention
We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. Typically, we retain personal data for up to 6 years following the end of our relationship with you.
8. Cookies
Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.
We use the following types of cookies:
- Strictly necessary cookies: Essential for the website to function properly.
- Analytical cookies: Allow us to recognise and count the number of visitors and to see how visitors move around our website.
- Functionality cookies: Used to recognise you when you return to our website.
- Targeting cookies: Record your visit to our website, the pages you have visited and the links you have followed.
You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies.
9. Your Rights
Under UK data protection law, you have rights including:
- Right of access: You have the right to ask us for copies of your personal data.
- Right to rectification: You have the right to ask us to rectify inaccurate personal data.
- Right to erasure: You have the right to ask us to erase your personal data in certain circumstances.
- Right to restriction: You have the right to ask us to restrict the processing of your personal data in certain circumstances.
- Right to data portability: You have the right to ask us to transfer your personal data to another organisation or to you in certain circumstances.
- Right to object: You have the right to object to the processing of your personal data in certain circumstances.
To exercise any of these rights, please contact us via our contact page.
10. Changes to This Policy
We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.
11. Contact Us
If you have any questions or concerns about this privacy policy or our data practices, please contact us via our contact page.
If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk or by calling 0303 123 1113.