1.1 The website youngcardriver.com (the “website”) is owned and operated by Autedia Limited, with the trading name Young Car Driver (“we”, “us”, “Young Car Driver”). We are a limited company registered in England and Wales and our company number is 08775069.
1.2 Your privacy is extremely important to us. We’re committed to keeping your information secure and managing it in accordance with our legal responsibilities under applicable data protection laws. Autedia Limited is registered with the UK Information Commissioner’s Office (ICO) as a data controller under registration number ZA148079.
1,3 This Privacy Policy (along with our Cookie Policy and Terms and Conditions) sets out the basis on which we will process information that:
- Is collected from you when you apply for and/or express an interest in a product or service
- We obtain during the provision of that product or service
- Is provided to us through the website, over the phone, or via social media
1,4 By visiting and using the website, you confirm consent to the use of your personal data in the ways detailed in this Privacy Policy. If you don’t agree with any part of this policy, you should not use the website. If you are applying for one of our products or services online or by phone and don’t agree with any part of this policy, you should not continue with your application.
What information do we collect?
2.1 We collect personal information (information about an individual whose identity is apparent or can be reasonably ascertained from such information) in connection with a service or product provided to you by us, including:
- Name
- Address
- Telephone number
- Email address
- Date of birth
- Employment details (including income)
- Expenditure information
- Passport details
- Driving licence details
- Bank details
- Credit history
- Insurance details
- Information regarding dependents
- IP addresses
- Transaction and credit card information
2.2 We may also gather and process information about you that you submit online via the website, correspondence you send us, details of your visits to our website including, but not limited to, traffic data and details of applications you submit through the site.
2.3 The website provides the opportunity for customers to apply for various products and services including motor finance and insurance. When collecting this type of data, which is optional, we will inform you of the reason we’re asking for the information and how we’ll use it.
2.4 We respect your information may be confidential and we’ll safeguard as such via this Privacy Policy and the UK-GDPR (United Kingdom General Data Protection Regulation) January 31, 2020.
How we use this information
3.1 The information we collect allows us to consider and process your application and enable a third-party lender (from a panel of lenders) to provide you with an appropriate motor finance or insurance product or service tailored to your circumstances.
3.2 The information is also collected for internal purposes such as quality control, site performance, system administration, and to evaluate how the website is being used so that we can provide the best possible service and most valuable content.
3.3 We also use your data to provide you with information, products, and services that you request from us, or which we feel may interest you (with your consent) and to notify you about changes to our service.
3.4 Information may also be shared with our agents, Credit Reference Agencies, third-party lenders, and sub-contractors to deal with your enquiries, process your transaction, and communicate with you on any matter relating to the provision of products or services with your prior consent.
3.5 We may monitor your use of the website and record your email address and/or IP address, operating system, and browser type, for system information and to report aggregated information to third parties such as advertisers. The statistics shared will not include any information that could be used to identify an individual.
3.6 We collect aggregated statistics data about visitors to the website and traffic patterns. This information does not include personal details, identify users and we do not use it to build profiles on individual users.
3.7 We only keep your information for as long as necessary.
How we might share your information
Credit Reference Agencies
4.1 When you apply for any of our products or services, we’ll carry out a search with one or more Credit Reference Agencies (CRAs). We’ll use the personal information you have supplied to us and the CRA will share information about you in return. We’ll only perform a “soft” search, which is not visible to other lenders and should not affect your credit score.
4.2 The CRA will provide a credit scoring computation. Based on this score, if we can proceed, we will pass your information on to a suitable lender who may carry out a hard search.
4.3 CRAs hold both public and credit data about you. This information includes:
- Name
- Date of birth
- Address and previous addresses
- Electoral roll records
- County Court Judgements
- Bankruptcy Records
Your credit information is shared by businesses such as banks, building societies, car loan companies, and mobile phone providers. This data includes:
- Past credit applications
- Lenders you’ve dealt with
- Credit limits you have
- Payment history
- Credit card balance
4.4 A hard credit search will enable lenders to calculate the level of risk associated with providing credit to you. These searches will be recorded on your credit report for up to two years. Other lenders and organisations will be able to see when and how many times your credit information has been accessed.
4.5 To verify your identity, prevent crime, and assist in debt recovery, we may exchange information on a case-by-case basis with fraud prevention agencies (including CIFAS), debt recovery agencies, and other relevant organisations including other lenders.
Third-party lenders
4.6 We might share your information with third-party lenders (including companies whose products and services are not included on the website) if your application is declined by all available lenders. This will enable you to be considered for alternative loan options and financial products that are more suited to your circumstances. These third parties may carry out further credit report searches to assess your credit eligibility and any such searches will be recorded on your credit file. See the Credit Reference Agencies section above for further details.
Other websites
4.7 This website contains services and products from third-party providers. Where a service is to be provided by a third party, such as a motor finance loan or insurance policy, your information will be shared with them to enable them to provide you with the service or product you have requested.
4.8 When you make a purchase with another company via our website, use of any information collected is subjected to the Privacy Policy of that third party. This Privacy Policy applies exclusively to data collected on our website. We encourage users to read the Privacy Policies of each website that collects personal information about them as they differ from site to site.
Where do we store your personal data?
5.1 Your personal data is restricted to Young Car Driver employees, contractors, and agents who are required to know that information to process it on our behalf. They are subject to strict contractual confidentiality obligations.
5.2 Your personal information may be processed by team members operating outside of the EEA, working for us or one of our suppliers. By submitting your personal data, you understand and unambiguously agree to the transfer of personal information to these countries and parties. We’ll take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.
Cookies
6.1 Our website uses cookies to distinguish you from other users and provide you with the best possible experience. For detailed information on the cookies we use and how we use them, visit our Cookies Policy.
Marketing
7.1 If you’re a customer, we’ll ask you whether you would like to receive our communications detailing offers, news, and services from Young Car Driver and/or information from third-party companies that we feel may be of interest to you via email and/or post.
7.2 If you’ve agreed to receive communications from us or for us to use your information in this way, you can unsubscribe at any time by sending us an email to team@youngcardriver.com
7.3 If you don’t want us to use your information in this way, please tick the appropriate boxes during the application process. You’re entitled to withdraw your consent for us to use your information for marketing purposes at any time by emailing us at team@youngcardriver.com
How your data is protected
8.1 The Internet is not wholly secure. We take appropriate steps to maintain the security of your personal data wherever it may be held by Young Car Driver. The open nature of the Internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended. However, we always aim to apply appropriate levels of security.
Your data protection rights
Under Data Protection legislation, you have the following rights with regards to your personal information:
- The right to be informed about the collection and use of your personal data
- The right to access your personal data and supplementary information
- The right to rectification of inaccurate or incomplete personal data
- The right for erasure (or to be forgotten) in certain circumstances
- The right to restrict processing in certain circumstances
- The right to data portability to obtain and reuse your personal data for your own purposes across different services
- The right to object to processing in certain circumstances
- The right to withdraw consent at any time
- The right to complain to the Information Officer
- Rights in relation to automated decision making and profiling
Get in touch
9.1 Our registered office is 85 Great Portland Street, First Floor, London W1W 7LT and our email address is team@youngcardriver.com