HOW WE UTILISE YOUR PERSONAL INFORMATION
This privacy notice aims to inform you about how United British Caravans commits to safeguarding your personal information. This encompasses the details you provide about yourself, the information we acquire as you become a customer, and the choices you make regarding the marketing material you wish to receive from us. This notice elucidates our approach and outlines your privacy rights.
OUR PRIVACY PLEDGE
We commit to:
- Safeguarding your data, ensuring its safety and privacy.
- Not selling your data to any third party.
- Providing you with options to manage and review your marketing preferences at any time.
WHO ARE WE?
United British Caravans (“us,” “we,” “our”) is a finance broker situated on Sandy Lane, North Gosforth, Newcastle-upon-Tyne NE3 5HE
We are regulated and authorised by the Finance Conduct Authority to offer funding solutions that best suit our customers.
You can locate us online at https://caravans.unitedbritishcaravans.co.uk
For additional information on how your data is utilised, please contact us at the above address or call 0191 2363156.
WHY DO WE COLLECT PERSONAL DATA?
Our legal basis for processing your data is the legitimate interest of United British Caravans and the third parties to whom we disclose your information to provide a quote or arrange a finance agreement.
Processing is necessary, as decisions from both us and our lenders depend on each customer’s individual circumstances and credit history. The data requested is essential, and without it, we cannot proceed with your application.
WHERE DO WE COLLECT PERSONAL DATA FROM?
We may collect personal information about you (or your business) from:
- Completion of an application on our website.
- Emails or letters sent via post.
- Conversations with our staff over the phone or in person.
- Participation in competitions or promotions.
- Companies that introduce you to us (introducers).
HOW DO WE USE YOUR DATA?
We may use your personal information to:
- Evaluate the suitability of our products and services for your needs.
- Consult credit reference agencies regarding your credit history.
- Maintain updated records, identify products and services of interest, and inform you about them.
- Conduct market research, including requesting customer reviews.
WHO DO WE SHARE PERSONAL DATA WITH?
We handle your personal information with care and will never sell it or pass it on to a third party without a legitimate interest. We may share your information with:
- Lenders who may provide you with a finance product.
- Our data handling software partner.
- Affiliates whose website you applied through.
- Law enforcement agencies in connection with any investigation.
There may be instances where we process your data only with your consent, such as when dealing with special categories of data like health information or criminal records. You have the right to ask us to stop processing such specific data at any time.
CREDIT REFERENCE CHECKS
To process your application, you consent to us and our panel of lenders conducting credit, identity, and anti-fraud checks, involving searches with credit reference agencies (Equifax Ltd and/or Experian Ltd).
This involves supplying your personal information to credit reference agencies, which will record and provide information about you, including details from your credit application and your financial situation and history. The information is used to assess creditworthiness, verify data accuracy, prevent criminal activity, fraud, and money laundering, manage accounts, trace and recover debts, and ensure offers are suitable for your circumstances.
If we refer your application to another lender, they will also search, leaving a search footprint on your credit file.
If you make a joint application or mention a spouse or financial associate, your records will be linked. You have the right to discuss this with them and share this information before applying. If you provide false or inaccurate information and fraud is suspected, we may record and pass this information to fraud prevention agencies.
Before providing services, goods, or financing, we conduct checks to prevent fraud, and money laundering, and verify identity. This involves processing personal data about you.
The personal data processed includes name, address, date of birth, contact details, financial information, employment details, device identifiers (including IP address), and vehicle details.
We and fraud prevention agencies may allow law enforcement agencies to access and use your data for crime detection and prevention.
Processing your data is based on our legitimate interest in preventing fraud and money laundering, protecting our business, and complying with applicable laws. Fraud prevention agencies may retain your data for up to six years if you are considered a fraud or money laundering risk.
As part of processing your data, automated decisions may be made. These decisions may relate to fraud or money laundering risk, consistency with known fraudsters, or inconsistencies in your behaviour. You have rights concerning automated decision-making, and if you wish to know more, please contact us.
CONSEQUENCES OF PROCESSING
If we or a fraud prevention agency determine a fraud or money laundering risk, we may refuse the requested services or financing, or cease existing services. A record of any risk may be retained by fraud prevention agencies, affecting others’ willingness to provide services, financing, or employment to you.
When fraud prevention agencies transfer your data outside the European Economic Area, contractual obligations are imposed on recipients to protect the data to European Economic Area standards.
Your data is protected by legal rights, including the right to object to our processing, request erasure or correction, and access your data. For more information or to exercise your rights, contact us using the details above.
HOW LONG WILL WE STORE PERSONAL DATA?
Personal data will be securely stored for a specific period to fulfil legal obligations and our business’s legitimate interests. Data may be kept for reasons such as accuracy, customer consideration, legality, anti-fraud, money laundering, and data security. All personal data received will be securely kept for six years. If you take out a finance agreement, we’ll retain your data for six years plus the loan term.
Telephone recordings will be stored indefinitely to reduce the risk of a personal data breach.
HOW TO GET A COPY OF YOUR DATA
You can request a copy of the data we hold by writing to United British Caravans, Sandy Lane, North Gosforth, Newcastle-upon-TyneNE3 5HE.
ACCURACY OF YOUR DATA
Please provide accurate information in all applications and communications. If you believe your data is incorrect or incomplete, contact us, and we will take reasonable steps to verify and correct it.
YOUR RIGHT TO BE FORGOTTEN
You have the right to object to our use of your personal information or request deletion if there’s no need to keep it. Please inform us if you think we shouldn’t use your data, considering legal or legitimate reasons.
WITHDRAW YOUR CONSENT TO MARKETING
If you don’t want to receive information about our products or services, let us know by writing to United British Caravans, Sandy Lane, North Gosforth, Newcastle-upon-TyneNE3 5HE, or emailing email@example.com.
To raise a complaint about how we handled your data, contact us at firstname.lastname@example.org. If unsatisfied, you can complain to the Information Commissioner’s Office.