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Car Loanz Privacy Policy
  1. Who are we?
  2. How we may contact you as part of your car loan application
  3. How you contact us
  4. How we keep you informed
  5. Obtaining Personal Data / Information
  6. Customer Communication
  7. What Personal information Do We Collect?
  8. How do we use your Personal information?
  9. Who do we share your Personal information with?
  10. Who Might Our Panel Of Lenders Share Your Personal Information With?
  11. What cookies do we use?
  12. How secure is our site and what steps do we take to keep your information safe?
  13. Rights Of Access To Your Personal Information
  14. How long will we retain your personal information for?
  15. Your Right To Opt Out Of Future Contact From Us
  16. Your Right To Be Forgotten/Erasure Of Your Personal Information
  17. How to make a complaint?

1. Who Are We?

carloanz.co.uk is a trading name of TFLI Limited, who are authorised and registered with the Financial Conduct Authority as a credit broker, reference number: 723630. TFLI Limited is registered in England and Wales (Company number 08424810), Registered Office; Grimshaw Lane, Bollington, Macclesfield, Cheshire, SK10 5JB. Licensed by the Information Commissioners Office, (registration number Z3585914).

carloanz.co.uk are aware how important your privacy is, based on this we have implemented measures which will ensure any personal information that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling and in accordance with the General Data Protection Regulation (GDPR). Contained within this statement and set out below are details of the type of information that we at Car Loanz may hold about you our customer, also how we obtain and process any information we may have and importantly how we protect your privacy.

This privacy policy is only applicable to us and personal information which may be collected and obtained by us. carloanz.co.uk may choose to amend the content of this privacy policy on occasion. If this occurs then we will update the policy and the revised policy will be posted on this website.

2. How We May Contact You As Part Of Your Car Loan Application

We, our panel of lenders and credit brokers, will keep you informed with the progress of your application. Unless you state otherwise you may be contacted via telephone, email, post, SMS and automated message. (see further section on 'How we keep you informed')

Lawful basis for collecting your personal data

Our use of your personal data will always have a lawful basis.

We rely upon a different lawful basis to process your personal data according to the reason for which you have provided your data to us.

When you have applied for a Car loan, product or service, with the TFLI Group, we process your personal data on the basis that we have a legitimate interest in processing your data (i.e. to consider whether or not to process your application). We will also process this personal data on the basis that you have given your consent to be contacted by TFLI Ltd, their panel of Car Loan Providers/Credit Brokers for the purpose of obtaining a Car loan. When we have processed a Car loan application, we process your personal data on the basis that we need this information to fulfil our obligations under the contract we have entered into with you. We will also rely on your consent to contact you at some point in order to keep you informed regarding offers on products or services which we think may be of interest to you.

You can withdraw your consent to us processing your personal data for marketing purposes at any time by clicking the "unsubscribe" option in any marketing SMS, email we send to you. Alternatively, you can withdraw your consent by contacting our Data Protection Officer using the contact details stated in section 15 / 16. If you change your mind about agreeing to us processing your personal data, this will not have any effect on the lawfulness of any processing we have carried out before you change your mind.

3. How You Contact Us

If you are required to telephone us using the specified telephone numbers on our website under the Contact or advertising/marketing correspondence then your call may be recorded for training, quality and regulatory purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.

4. How We Keep You Informed

We may want to make contact with you at some point in order to keep you informed regarding offers on products or services which we think you may find of interest, this contact will be made via telephone, email, SMS, automated messages. Third parties may also wish to contact you from the information we have shared with them, any information that is shared to third parties is completely trusted for the purpose it is specified for, third parties may also use the same means of contact stated above.

As part of the application process/loan journey, if we are unable to offer you the car loan you are looking for, we and, or third parties, may pass your details onto another lender, who may need to carry out a further credit check. Whilst the lender or third party will make contact with you to confirm whether your application has been successful they will too have their own privacy policy and recommend you refer to them, upon making your application, you will be requested to agree to their use of your information.

5. Obtaining Your Personal Data/Information

  1. You are free to access and browse our website www.carloanz.co.uk at your convenience and do not have to provide any personal information/data, however I would like to refer you to the ‘Cookies’ paragraph set out within this privacy policy).
  2. The information/data that we would normally collect from you is as follows:
    • Name
    • Residential address
    • Residential status
    • Date of birth
    • National insurance number
    • Driving License number
    • Email address (if applicable)
    • Telephone number (home, mobile, work)
    • Income details
    • Details of bank account
    • What you do on our website; the results of this will be used to show Car Loanz examples of which parts of our website are most and least used (please refer to ‘Cookies’ paragraph)

If you register with us and have a question about our services, or alternatively choose to send an email to compliance@tfli.co.uk may also collect the above personal information/data in this instance in order for us to respond to your enquiry.

6. Customer Communication

Unless the customer states otherwise we will contact the customer via means of telephone, SMS and email to provide information and alerts relating to our services and our associate companies. We may also receive personal information/data from third parties, which enables us to offer Identified potential customers products, and services who have expressed interest in our products and services. Any information/data obtained from third parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.

Ensuring your personal details & or preferences are kept up to date.

It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so we can ensure it is corrected.

If you require your preferences to be updated then please contact our Compliance Manager as soon as possible (details set out below within ‘Contact’ page).

7. What Personal Information Do We Collect?

We collect personal information about you when you give this to us when applying for a car loan product online. This might be, for example, to obtain comparative quotes for the loan and alternative financial solutions. In the course of providing the Services to you, we may also store information about how you use our Sites, for example, the pages viewed, the website from which you came to visit our Sites, changes you make to information you supply to us, details of the quotes you request and your applications, together with details of your financial information, for example, bank account or payment details.

In order to provide you with a car loan quote we may need to collect personal information which data protection legislation defines as sensitive, such as medical history or criminal convictions. By proceeding with obtaining a quote you give your explicit consent to such information being processed by us and our third-party providers for the purposes stated in this Privacy Policy.

We will store the information you provide and may use it to pre-populate fields on the Sites and to make it easier for you to use the Sites when making return visits.

We may monitor or record your Calls, Emails, SMS or other communications but we will do so in accordance with data protection legislation and other applicable law. Monitoring or recording will always be for business purposes, such as for quality control and training (e.g. where you call our compliance or customer service department), to prevent unauthorised use of our telecommunication systems and Sites, to ensure effective systems operation, to meet any legal obligation and/or to prevent or detect crime.

We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law.

8. How Do We Use Your Personal Information?

We may use your personal information:

  1. to enable you to access and use the Services;
  2. to personalise and improve aspects of our Services;
  3. for research, such as analysing market trends and customer demographics;
  4. to communicate with you, including some or all of the following:
    1. sending you information about products and services which we think may be of interest to you - this may include new product launches such as short term loans, car loans / finance, alternative financial solutions, newsletters and opportunities to participate in market research;
    2. sending you car loan quotes in order to provide this service to you, we may also send that information to our partners such as our panel of lenders and credit brokers so that they can calculate their quotes. When they do this, our partners may carry out soft credit checks on you (see section 9 Who do we share your information with? below for further information on the type of checks that may be undertaken);
    3. sending you a confirmation email of your quote - when you submit an application with us, you will automatically be sent confirmation of your application by email or SMS so that you have a record of it;
  5. to process an application between you and a third party such as the lender;
  6. to track sales, which may involve us sharing data with your product provider relating to the product(s) you have purchased. Your product provider may also send us information they hold relating to the product(s) you have purchased for this purpose;
  7. to match our data with data from other sources - we may validate and analyse your information and, in some cases, match it against information that has been collected by a third party to ensure that the information we hold about you is as accurate, consistent and as well-organised as possible. As well as ensuring that any marketing material that we send you is appropriate to your needs, this process also ensures that our Services continue to be as personalised and focused as possible;
  8. to circulate our customer survey review which are available to customers once an application has been completed;
  9. to enable you to share our content with others, e.g. by using any 'Email a friend' or 'Share this' functionality on our Sites.

Keeping you informed about the Services: You agree that we and, with your consent, other trusted third parties will be entitled to contact you (depending on your contact preferences) via email, post, telephone, sms, or by other electronic means such as via social and digital media, in relation to products, services and other offers that may interest you.

Whenever you provide us with personal information, where necessary we will seek your consent and/or we will give you an opportunity to tell us you do not consent to the use of your information for marketing purposes. Unless you tell us otherwise, you are consenting to such use.

9. Who Do We Share Your Personal Information With?

When you complete an application, you consent to us disclosing your personal information to the following parties:

  1. carloanz.co.uk and TFLI Limited: (i) to communicate with you, including sending you information about products and services which may be of interest to you; (ii) to speed up form filling, or to personalise, or improve your experience on its website, mobile applications or other similar devices, channels or applications; or (iii) in accordance with its privacy policy.
  2. Lender, Credit Brokers as detailed below.
    Service Provided: Company Details:
    Car Loans & Car Finance Providers
      Car Finance Credit Brokers
      Introducing customers to Car Finance providers
    • the Financial Conduct Authority and/or other regulatory/governing bodies, for the purposes of compliance monitoring;

    Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:

    1. if required or permitted to do so by law;
    2. if required to do so by any court, the Financial Conduct Authority, the Competition and Markets Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency;
    3. if necessary in connection with legal proceedings or potential legal proceedings; and/or
    4. in connection with the sale or potential sale of all or part of our business.

    If we reasonably believe false or inaccurate information has been provided and fraud is suspected, details may be passed to fraud prevention agencies to prevent fraud and money laundering.


    If we reasonably believe false or inaccurate information has been provided, including in relation to a person's identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering. Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details. They may also disclose your information to other organisations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant organisation.

    By submitting an application form on our site, you confirm that all of the information provided is true and accurate. You also, when applying, authorise the Lender or Finance Provider to use both fraud prevention and credit referencing agencies to help make relevant decisions.
Credit checks and credit reference agencies can also help prevent fraudulent applications.

    What Is A Fraud Prevention Agency?

    Fraud Prevention agencies collect, maintain and share information on any known or suspected fraudulent activity.

    They work in the following ways with various organisations:

    10. Who Might Our Panel Of Lenders Share Your Personal Information With?

    Some of our providers will use your personal information to assess your circumstances (including information about any third party who is named on the application) and verify the information that you have provided before providing a quote to you. Some providers may carry out checks with fraud prevention and credit reference agencies. Both public data (e.g. the electoral roll) and private data (e.g. your personal credit history) may be checked in this way. Some providers may carry out checks against data they already hold on you, (or is held by the company whose brand they administer the product for, or members of their group of companies) such as data from existing products, account data, data from previous product transactions, accounts you may hold with them or loyalty scheme data to share with lenders in order to determine your loan amount. If providers carry out these searches, a record of the search will appear on your credit report. Some providers may also check public and private higher education sources to obtain information about your educational background.

    This information exchange allows providers to verify the information that is provided during the quote process (including information about any third party who is named on the policy), and also helps to detect fraudulent loans. These checks are not unique to users of our Services - they may also be carried out if you obtain quotes from other sources.

    If you decide to enter into a loan, the information you have provided to us, together with any further information requested by, and supplied by you or us to the third party provider, will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the loan. We have no responsibility for the uses to which a provider puts your personal information.

    11. What Cookies Do We Use?

    A cookie is a very small text file placed on your computer or device. Cookies help us to:

    1. understand browsing habits on the Sites;
    2. understand the number of visitors to the Sites and the pages visited; and
    3. remember you when you return to the Sites so we can provide you with access to previously saved quotes.

    Most cookies are deleted as soon as you close your browser or mobile application - these are known as session cookies. Others, known as persistent cookies, are stored on your computer or device either until you delete them or they expire. Every time you visit carloanz.co.uk, you will be kept signed in for a further 90 days. By using the Services, you consent to us using cookies.

    You can choose to block or delete cookies through your browser settings. If you decide to block or delete our cookies, you will not be able to benefit from the full range of our Services and this may affect the performance of our Sites on your system. For more information on the cookies we use, please see our Cookie Policy.

    12. How Secure Is Our Site And What Steps Do We Take To Keep Your Personal Information Safe?

    Our Sites are "Let’s Encrypt Secure Websites" and keeping information about you secure is very important to us. However, no data transmission over the internet can be guaranteed to be totally secure. Sensitive information, for example, your card details, is encrypted to minimise the risk of interception during transit.

    We do our best to keep the information you disclose to us secure. However, we can't guarantee or warrant the security of any information which you send to us, and you do so at your own risk. By using our Sites you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.

    Where will your personal data be held?

    Your personal data may be held within the European Economic Area (EEA) or outside the EEA. If any personal data is transferred or stored outside of the EEA, we check whether the EU Commission has determined that it will afforded the same level of protection as it would within the EEA (this is called an adequacy decision). If it will not, we will ensure any such transfer is subject to appropriate safeguards (for example by putting appropriate contractual provisions in place with relevant third parties to provide us with reassurance about the security of your personal data) or is otherwise permitted (for example with your express consent to transfer) in accordance with the provisions of the GDPR.

    13. Rights Of Access To Your Personal Information

    You have certain rights under data protection legislation. For example, we will always let you have a copy of the personal information we hold about you, if you request it from us in writing.

    To make enquiries and/or exercise any of your rights set out in this Privacy Policy please contact our Customer Services Team at compliance@tfli.co.uk.

    In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the Sites. Any feedback you provide will only be used as part of our programme of continuous improvement and will not be published on the Sites.

    Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.

    You have a right to have inaccurate personal data rectified, you can also request to have incomplete personal data completed (Right to rectification).

    We will process your request within one month from date of receipt. If you wish to make any changes please contact our Customer Services Team at compliance@tfli.co.uk

    This Privacy Policy shall be governed and construed in all respects in accordance with the laws of England and Wales.

    We reserve the right to amend or modify this Privacy Policy at any time and any changes will be published on the Sites.

    14. How Long Will We Retain Your Personal Information For?

    The amount of time we retain your information for will depend on the reason it was provided:

    If you require further information on our data retention policies please email: compliance@tfli.co.uk.

    15. Your Right To Opt Out of Future Contact From Us

    You can opt out of future contact from Car Loanz at any time. All of our marketing messages provide an opt out link – please allow up to 48 hours for us to process your opt out request. Alternatively you can enter your details via www.removeme.co.uk or email compliance@tfli.co.uk where your details will be removed from any future marketing campaigns.

    16. Your Right to be Forgotten / Erasure Of Your Personal Information

    Under the General Data Protection Regulation (GDPR), all individuals have the right to request the deletion or removal of personal data (the right to be forgotten) under the following circumstances:

    There are some circumstances where the right “to be forgotten” does not apply i.e. where we need to comply with a legal obligation.

    If you wish to request your “right to be forgotten” please email: compliance@tfli.co.uk

    Our marketing partners will also be informed of your request

    17. How To Make A Complaint

    Car Loanz always aim to be fair and honest in everything we do, so if you have a complaint about any aspect of our service we’re keen to resolve it as quickly as possible. You can contact us is any of the following ways:

    By Post:

    Complaints Department, Car Loanz, Adelphi Mill, Grimshaw Lane, Bollington, Cheshire, SK10 5JB

    By Phone: 01625 32 22 74 (calls are charged at local rates and are inclusive of mobile phone users’ free minutes)

    By Email: complaints@tfli.co.uk

    We will acknowledge receipt of the complaint within 3 working days and we hope to provide a final response within 4 weeks. We will write to you again within 4 weeks if we are unable to provide a final response within that time period. In any event we will respond to your complaint in full within 8 weeks.

    If you are not satisfied with our response, or if a complaint is not resolved after eight weeks, you may refer the complaint to -

    Financial Ombudsman Service

    Exchange Tower


    E14 9SR

    Telephone: 0800 023 4567

    Web site: www.financial-ombudsman.org.uk

    You can report any of your concerns to the Information Commissioner’s Office (ICO)

    Information Commissioner's Office

    Wycliffe House

    Water Lane



    SK9 5AF

    Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number, Fax: 01625 524 510

    European Online Dispute Resolution Platform in relation to your complaint you can also request a review from the European Online Resolution Platform: http://ec.europa.eu/consumers/odr/

    Last updated April 2018