Privacy, Data Protection Policy

Overview

C4-UK Limited, trading as FinanceSettlers (FinanceSettlers) is committed to protecting and respecting your privacy. This policy together with our Terms of Use and any other documents referred to on it, set out the basis on which any Personal Data (as defined below) we collect from you or which you provide to us will be processed by us as a result of using or interacting with our website as set out below.  We aim at all times to process and collect your data lawfully, transparently, fairly and without adversely affecting your rights as a Data Subject (as defined below).  Please read the following carefully to understand our practices and procedures.  The website we operate is: www.FinanceSettlers.co.uk, its related domains and sub domains (FinanceSettlers Site) which CWCS, Nottingham (www.cwcs.co.uk) hosts for us in a data centre in the United Kingdom. 

Please note:

By giving your consent, you are accepting and consenting to the practices described in this policy.  If you do not give your consent, please navigate away from the FinanceSettlers Site.

You may withdraw your consent at any time.  An explanation of your rights is set out below. 

For the purpose of the Data Protection Legislation (as defined below), the data controller is C4-UK Limited, a limited liability company with company number 06308606, whose registered office is at Unit 9, Poplars Court, Lenton Lane, Nottingham, NG7 2RR.     

Our nominated representative, as Data Protection Officer for the purpose of the Data Protection Legislation is Mark Rogers.     

If you are not satisfied with any action taken by us or response given, you have the right to complain to Information Commissioner at www.ico.gov.uk,  or help line telephone number: 0303 1231113. 

Definitions

In this policy the following terms shall have the following meanings:

Cookie: a small file placed on your computer or device by the FinanceSettlers Site when you visit certain parts of the FinanceSettlers Site and/or when you use certain features of the FinanceSettlers Site.

Cookie Law: means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003.

Data Protection Legislation: up to but excluding 25 May 2018, the Data Protection Act 1998 and thereafter:

(a) unless and until the General Data Protection Regulation ((EU) 2016/679) (GDPR) is no longer directly applicable in the UK, the GDPR and any national implementing laws, regulations and secondary legislation, as amended or updated from time to time, in the UK; and then

(b) any successor legislation to the GDPR or the Data Protection Act 1998.

Data Subject: a natural identifiable person. 

Personal Data: has the meaning set out in the Data Protection Legislation, being as at the data of this policy, any data which identifies a natural person (by way of example, name, address, phone number and so on). 

What this policy also covers

This policy also explains:

  • What personally identifiable information of yours is collected:

-on the FinanceSettlers Site, when you interact with it;

-when you download from the FinanceSettlers Site;

- when you interact with FinanceSettlers’s advertising and applications on third party     websites and services.

  • What organisation is collecting the information;
  • How the information is used;
  • With whom the information may be shared;
  • What choices are available to you regarding collection, use and distribution of the information;
  • What kind of security procedures are in place to protect the loss, misuse or alteration of information under FinanceSettlers’s control;
  • How you can correct any inaccuracies in the information; and
  • How you can request the information we process and store to be removed. 

There are other terms that may apply to you

In addition to this policy, please refer to our Terms of Use and Cookie Policies. 

We may make changes to these terms and our website

We may update and change these terms and our website from time to time for a variety of reasons.  By way of examples: to reflect changes to the services we offer, user’s needs, regulatory or legal requirements.  Every time you wish to use the FinanceSettlers Site, please check these terms to ensure you understand the terms that apply at that time. These terms were updated on 20 April 2018.    

Children under the age of 18

Persons under the age of 18 are not eligible to use our services and we ask that minors do not submit any personal information to us.  We will not knowingly accept any data from a person who is under the age of 16 years. 

Information We Collect from you

We will collect and process the following information:

  • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
  • information about your visit, including the full Uniform Resource Locators (URL), clickstream to, through and from our site (including date and time), download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, and any phone number used to call us.
  • If you: (a) complete one of our enquiry forms on the FinanceSettlers Site; (b) proceed with a transaction to sell your vehicle; (c) report a problem with the FinanceSettlers site; (d) report a problem with the FinanceSettlers Site; (e) respond to surveys (e.g. Trustpilot and Mailchimp); (f) or otherwise correspond with us; we may collect your name, address (including e mail address), your vehicle registration details, registered keeper, make and model, date of birth, service history documentation, identification and bank details. If you complete a review or survey, Mailchimp and Trustpilot will store and process your Personal Data.   We also pass your personal data to Experian and other agencies to conduct identity checks and HPI checks. 

Please Note:

  • If you proceed with your enquiry, which will be subject to the terms and conditions of our contract with you, we will carry out a full vehicle appraisal which includes assessing the state and condition of your vehicle and attributing a final value to it.     

Use of your information

We will use the data collected about you in the following ways:

  • to provide services to you;
  • to provide information about our business or services which may be of interest to you;
  • improve the efficiency of the FinanceSettlers Site;
  • to develop services;
  • to notify you of changes to our services;
  • to understand our customer requirements and preferences, perform analysis and comparisons;
  • to administer and update our website to ensure it runs smoothly on your hardware;
  • to perform market research or analysis on customer preferences or trends and
  • to offer you support in the event that you have problem or an issue with the FinanceSettlers Site. 

Please also see below under “Cookies” and our Cookie Policy on our website.

Where we store your personal data

  • The data that we collect from you will may be transferred outside the European Economic Area ("EEA").  The data stored on our case management system, Kentico and our website is only stored and processed in the EEA.  However, data transferred to third parties, including Trustpilot and Mailchimp, information sent and received on email (via Office365) and sent to our payment processing providers may be transferred outside the EEA and is subject to their terms and conditions.
  • Information processed and stored on our servers are UK G9 approved, ISO 207001 and ISO 90001 accredited.
  • We take all reasonable technical, organisation and security steps to ensure that the information you supply to us over the internet is secure.   

Your rights

As a Data Subject under the Data Protection Legislation you have the following rights:

  • You have the right to ask us not to process your personal data for marketing purposes. If you submit an enquiry form on the FinanceSettlers Site, we will ask for your consent to FinanceSettlers contacting you for marketing purposes.  We will not share your information with third party marketing agencies without your consent.  You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data.  You can also exercise the right at any time by contacting us at enquiries@FinanceSettlers.co.uk.
  • The FinanceSettlers Site may, from time to time, contain links to and from other websites.  if you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies.  Please check these policies before you submit any Personal Data to these websites.
  • You have the right to ask us to supply to you the information we hold, this is known as a data subject access request.  For further details please contact us on:
  • You have the right to ask us to rectify the data we hold in the event that it contains inaccuracies or is incomplete. To discuss this please contact us on:
  • You have the right to ask us to erase the Personal Data we hold if: (i) it is no longer necessary for us to hold the data; (ii) you wish to withdraw your consent to us holding the data; (iii) you object to us holding or processing the data; (iv) you believe that we have processed the data unlawfully; or (v) the data needs to be erased for us to comply with a particular legal obligation. To make a request please contact us on:

Disclosure of your information

You agree that we have the right to share your Personal Data with:

  • Any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
  • Selected third parties including:
  • business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you (including car dealers, auctioneers and so on);
  • analytics and search engine providers that assist us in the improvement and optimisation of the FinanceSettlers Site;
  • credit reference agencies to assessing your credit score where this is a condition of us entering into a contract with you, including HPI checks.  We currently use Experian and other agencies to perform such checks.
  • To a prospective buyer or seller if we sell or buy any business or assets.
  • If any of the shares in FinanceSettlers are sold or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data to comply with any legal obligation, or to enforce or apply our terms of business or terms of use, and other agreements; or to protect the rights, property, or safety of Sell Car, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

Cookies

All Cookies used by FinanceSettlers on the FinanceSettlers Site are used in accordance with current Cookie Law. For further details of our Cookies please refer to our Cookie Policy.

Suppliers and Other Service Providers

From time to time we use third party suppliers and service providers to facilitate our services. Where any service provider collects information directly from you (for example, if we ask a service provider to conduct a survey for us) you will be notified of the involvement of the supplier or service provider, and all information disclosures you make will be strictly optional.

Control of Your Password

You must not disclose your FinanceSettlers password to any third parties nor share it with any third parties. If you lose control of your password, you may lose control over your Personal Data which in turn may commit you legally binding obligations without your consent. Therefore, if your password has been compromised for any reason, you should immediately contact us on 01159 850200.