1. Personal Data We Collect About You

We may collect and use the following personal data about you and your representatives:

Information You Provide Us With:

• This pertains to details about you and your representatives, furnished through form submissions or communication via phone, e-mail, payment link or other means. Such information may encompass names, addresses, e-mail addresses, phone numbers, financial and credit card details, employment history, health information, credit records, identification particulars, qualifications, digital signatures, and vehicle or asset specifics.
• It is your responsibility to ensure that any information provided to us regarding individuals other than yourself (e.g., representatives or employees of your company) has been authorised for disclosure. We recommend providing such individuals with a copy of this notice.
• We gather information from your utilisation of our electronic services, including actions such as vehicle searches, quote requests, or vehicle orders through our website or communication via e-mail, live chat, or other electronic channels, including social media.
• Automatically collected information from our website, Progressive Web Application (PWA), and Mobile Application (iOS & Android), such as IP addresses, is utilised to enhance customer experience and improve the functionality of our platforms.
• Telephone conversations may be recorded for purposes of complaint resolution, service enhancement, and training, ensuring quality standards.
• Data is generated for statistical analysis.
• Personal data obtained from our website, PWA, and Mobile Application (iOS & Android) is only used to contact you if deemed necessary to inform you about our offered products and services, provided there is a legitimate reason to do so.

Information We Receive from Other Sources

• Financial/Credit Information: We may utilise information provided by credit reference agencies as part of our application process. This may include details about other credit you have obtained, any credit arrangements you have fulfilled or failed to meet, and any court judgments made against you.
• Fraud Prevention Agencies: In verifying your identity, we may access information recorded by fraud prevention agencies within and outside the UK. This may include information about any criminal convictions and allegations related to criminal activity that concern you.
• Social Media Profiles: If you have clicked through a promotion on a social media platform such as LinkedIn, we will receive your contact information provided as part of your user profile, such as your name, e-mail address, telephone number, and any other relevant business information like your organisation's name, address, and industry.
• Public Databases: We may obtain information about individuals from public databases. We use reputable sources, including but not limited to Companies House.

Cookie Usage

In order to enhance your online experience and personalise it to your preferences, we use "cookies." These are small text files that are stored on your computer. Cookies help us save your preferences and other relevant information, allowing you to save time by not having to repeatedly enter the same information. Additionally, they enable us to display personalised content and relevant advertisements during your subsequent visits to our Website/PWA/Mobile Application (iOS & Android). You have the option to disable cookies in your browser settings. However, please note that doing so may impact your ability to fully utilise or access our website.

2. How We Use Your Personal Data

Your personal data may be used by us in the following ways:

• To verify your identity or that of your representatives as part of the application and account opening process for customers.
• For conducting a credit check on you. We, or where appropriate, alternative funders we propose your application to, may carry out a search with a credit reference agency. This agency will keep a record of our enquiry against your name, which may be linked to your representatives ("associated records"). For any application for products or services from us, you may be assessed with reference to these "associated records." If any search or application involves joint parties, these details may be recorded at credit reference agencies, creating an "association" that links your financial records. Additionally, we may add details of your agreement with us, any payments you make under it, and any defaults or failures to keep to its terms to your or your business's record with the credit reference agencies. These records will remain on the credit reference agencies' files for 6 years after any agreement with you is settled or terminated and may be used to make credit decisions about you or your business.
• Credit scoring techniques and automated decision-making systems may be used to fully or partially assess your information. The results of this decision may determine whether we provide you with our services or not.
• Information provided by driving licence agencies will be used when assessing your application or undertaking driver licence checking services. This information may include details of any points on your licence.
• To allow us to detect and prevent money laundering activity or terrorist financing.
• We furthermore use your data for your and our security, for example, to avoid payment defaults and to prevent property offences (in particular fraud, theft, embezzlement: cf. → Risk.Ident).
• Our legitimate interests lie in maintaining security for costs and preventing economic disadvantages such as those arising from non-payment or the loss of our vehicles.

To Provide Products & Services

• To provide you with information, products, or services that you may request from us.
• To fulfil our obligations arising from any agreements you enter into with us.
• To process payments.
• To recover outstanding payments.
• To contact you via post, e-mail, or telephone regarding the administration of your account or to conduct quality control research.
• Where permitted, to send promotional information about our products and services via methods such as e-mail, post, telephone, etc.

Statistical Analysis

• As part of our legal and regulatory obligations, as well as those of our funding partners, we conduct statistical analysis to enhance our credit risk profile, combat fraud, and refine our credit decisions. This analysis may involve assessing your personal data, even if your application is declined by us or if you choose not to proceed with your application. Additionally, we utilise this data to identify and provide tailored products and services that best suit your needs and to enhance our overall service.

3. Legal Basis for Processing Your Personal Data

We process your personal data under the following legal bases:

• To enter into an agreement with you and for the administration of our agreement with you;
• To comply with our legal and regulatory obligations;
• To establish, exercise, or defend our legal rights and in connection with legal proceedings;
• Where you have provided your consent to share your personal data with third-party affiliates who may wish to offer you products and services that may be of interest to you;
• The use of your personal data as necessary for our legitimate business interests, which include;
• Enforcing the terms and conditions of any agreement we have with you;
• The recovery of outstanding debts existing under an agreement with you;
• Statistical analysis to improve our products and services;
• Contacting you about products and services that may be of interest to you. You may object to this at any time by contacting us using the details provided in the Contact Us section below.

4. Sharing Your Personal Data

We may disclose your personal data to third-party service providers and other legal entities within the same group of companies as Selfdrive under the following circumstances:

• To ensure the delivery or maintenance of products or services you have obtained from us
• To provide the products or services requested;
• To ensure the safety and security of our data;
• Additionally, we may share your personal data outside of the Selfdrive Group of Companies:
• With our professional advisers and insurers
• With claims handlers and fraud prevention agencies
• With any guarantor;
• With any funder to whom we are introducing your business
• With any introducer of an agreement to us;
• With tracing and repossession agents;
• With any funder to enable them to assess the value of our assets or for due diligence purposes
• With third-party agents or contractors (e.g., providers of our electronic data storage services or call centres) for the purpose of providing services to us
• With your consent, to third-party affiliates who may wish to offer you products and services which may be of interest to you.
• To the extent required by law;
• With other third-party service providers to complete tasks and provide services to you on our behalf. Examples of third-party service providers include: driving licence checks, vehicle ordering, delivery and collection services, DVLA, vehicle dealerships, vehicle insurance, vehicle tracking services, service bookings and garages, breakdown and accident assistance, tyres and windscreens, fines management, customer surveys, direct debit and payment handling, daily rental providers, digital signature services, SMS services, e-mailing services, marketing printing, outsourced administration and IT services, and postal services

5. Marketing Communications

• We would like to send you information about products and services we offer, which may be of interest to you, as well as other relevant information such as special offers or promotions.
• If you have provided us with personal contact details, we will only send you marketing e-mails, texts, or other electronic instant messages where you have specifically consented to receive such communications. We may provide you with marketing information by post or by telephone where it is in our legitimate interests to pursue sales leads (provided that you have not opted out of such communications and provided that it constitutes fair processing of your personal data to do so)
• Our website, PWA, and mobile applications (iOS & Android) may contain links to other third-party websites, PWAs, and mobile applications (iOS & Android) of interest. However, once you have used these links to leave our site, please note that we do not have any control over those other websites, PWAs, and mobile applications (iOS & Android). Therefore, we cannot be responsible for the protection and privacy of any information you provide while visiting such sites, and such sites are not part of this privacy statement
• You can also opt out of any marketing communications by clicking on the “unsubscribe” links in any marketing e-mails, or by emailing us at the contact details provided below, or by managing your marketing preferences on our electronic communications.
• At no given time your data will be sold to any third-party by the company.

6. Transfer of Personal Data Outside the European Economic Area

The information you provide to us will be transferred to and stored on our secure servers in the European Economic Area ("EEA"). However, your personal data may occasionally be transferred to, stored in, or accessed from a destination outside the EEA. If such transfer occurs, we will take steps to ensure that it is carefully managed to protect your privacy rights

7. Duration of Personal Data Retention

The duration for which we retain your personal data will vary. It will be determined by various criteria, including the purpose for which we are using it and our legal obligations. If you are a customer, we will retain your personal data for 7 years following the end of our relationship with you, unless required by law to keep it for a longer period.

8. Your Rights

You have a number of rights in relation to the personal data that we hold about you. These rights include:

• The right to access the personal data we hold about you.
• The right to withdraw your consent to our processing of your personal data at any time. Please note, however, that we may still process your personal data if we have another legitimate reason (other than consent) for doing so.
• The right to request rectification of your personal data if it is inaccurate or incomplete.
• The right to request erasure of your personal data in certain circumstances. Please note that there may be situations where you request erasure, but we are legally entitled to retain your data.
• The right to request restriction of our processing of your personal data in certain circumstances. Please note that there may be situations where you request restriction, but we are legally entitled to refuse or unable to provide services to you.
• The right to object to any automated decision making based on your personal data, which significantly affects you. Please note that there may be circumstances where we are legally entitled to refuse your objection.
• The right to object to the processing of your personal data for direct marketing purposes.
• The right to lodge a complaint with the data protection regulator if you believe any of your rights have been infringed.

You can exercise your rights by contacting us using the details provided in the "Contact us" section below

Changes to Our Privacy Policy

We regularly review our privacy policy. Any future changes will be posted on our Website/PWA/Mobile Application (iOS & Android) and, where appropriate, notified to you by e-mail. Please check back frequently to stay informed of any updates or changes to our privacy policy.

Contact us

dataprotection@selfdrive.uk