1.2 The Website www.youngcardriver.com (the “website”) is owned and operated by Autedia Limited, in the trading style of Young Car Driver’ (“We, Us, Young Car Driver”). We are a limited company registered in England and Wales under company number 08775069.
1.3 Your privacy is important to us, and we are 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.
1.4 The website www.youngcardriver.com (the “website”) is owned and operated by Autedia Limited (“We, Us, Young Car Driver”) and we are committed to protecting and respecting your privacy.
- 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 www.youngcardriver.com (“Website”), over the phone or through social media.
What information do we collect?
2.1 We collect personal information (which means any 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:
- Your name.
- Telephone number.
- Email address.
- Date of birth.
- Employment details (including income).
- Details of expenditure.
- Passport information.
- Driving licence details.
- Bank details.
- Credit history.
- Insurance details.
- Information regarding your 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 the site but not limited to traffic data and details of applications you submit through the site.
2.3 The Website offers you the opportunity to make applications for various products and services including car finance and car insurance. When collecting this type of data, which is optional if you provide it or not, we will inform you of the reason we are asking for the information and how we will use it.
How we use the information
3.1 The information we gather allows us to consider and process your application and enable a third-party lender (from our panel of lenders) to provide you with an appropriate car finance or car insurance product or service tailored to your circumstances.3.2 The information is also collected for our internal purposes, such as quality control, site performance, system administration and to evaluate the use of this Website, so we can provide you with enhanced services and the site’s content is presented as effectively as possible for you.
3.3 We also use the data to provide you with information, products or services that you request from us, or which we feel may interest you (provided of course you agree) and to notify you about changes to our services.
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 or in general, provided of course you agree.
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 to enable them to access the values of advertising on the Website. The statistics will not include information that can be used to identify any individual.
3.6 We collect non-personal aggregated statistics data about visitors to the Website and traffic patterns. This information does not identify users in any personal capacity and we do not use this information to build profiles on individual users.
3.7 We only keep the information for as long as necessary.
How we may share your information
Credit Reference Agency – their role
4.1 When you make an application for any of our products or services with us we will carry out a search with one or more Credit Reference Agency (CRA). We will use the personal information you have supplied to us and the CRA will provide us with information about you. We shall only perform a “soft” search for your details which is not visible to other lenders so even if you are declined at this stage it won’t be reflected on your credit file.4.2 The CRA will provide a credit scoring computation and if based on this score, we can proceed with your application we will pass your information onto normally two or three suitable lenders who will carry out a hard search on your credit file.
4.3 CRA’s hold both public and credit account data about you. Public information includes your name, date of birth, address and previous addresses, whether you are on the electoral roll, any county court judgments against you and whether you have been declared bankrupt. Whilst your account information is shared by businesses such as the banks, building societies, car loan firms and mobile phone companies. This data includes credit applications (attempts you have made to get credit, whether they were successful), lenders you have dealt with, credit limits you have and whether you have made payments correctly and on time. It will also show details of credit card balances and repayments and sometimes bank account balances.
4.4 Carrying out a hard search will allow the lenders to calculate the level of risk of providing credit to you based on the information obtained. Such searches will be recorded on your credit file leaving a footprint and this allows other lenders and organisations to see when and how many times your credit information has been accessed.
4.5 To verify your identity, prevent crime and assist in the recovery of debt, we may exchange information from time to time with fraud prevention agencies (including CIFAS), debt recovery agencies, and other relevant organizations including other lenders.
4.6 We may share your information with other third-party lenders (including companies whose products or services are not included on the Site) if your application is declined by all available lenders. This will enable you to be considered for alternative loan options and financial products which are more suited to your circumstances. These third parties may carry out further searches against you of credit reference agencies for the purposes of assessing your credit score and any such searches will be recorded on your credit file. See Credit Reference Agencies section above for details of these searches.
4.7 This Website contains services and products from third-party providers. Where service is to be provided by a third-party for instance car finance loan or car insurance your information shall be shared with that third-party to enable them to provide you with the services or products you have requested.
Where do we store your personal data?
7.1 If you are a customer, we 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 via email and/or via post that we feel may be of interest to you, unless you have indicated that you do not want to hear from us.7.2 If you have agreed to receive such information or for us to use your information in this way, you are entitled to unsubscribe at any time by sending us an email to firstname.lastname@example.org
7.3 If you do not want us to use your application in this way, please tick the appropriate boxes during your application process when we collect your information. You are entitled at any time to withdraw your consent to use your information for marketing purposes by contacting us at email@example.com
How your data is protected
8.1 The internet is not a secure medium. We take appropriate steps to maintain the security of your personal data wherever it may be in Autedia Limited. 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 aim to apply appropriate levels of security always.
Data protection rights
Under the Data Protection legislation, you have the following rights with regards to your personal information:The right to be informed – the right to be informed about the collection and the use of their personal data.
The right of access – the right to access personal data and supplementary information.
The right to rectification – the right to have inaccurate personal data rectified, or completed if it is incomplete.
The right for erasure – The right to erasure (to be forgotten) in certain circumstances.
The right to restrict processing – the right to restrict processing in certain circumstances.
The right to data portability – the right to data portability, which allows the data subject to obtain and reuse their personal data for their own purposes across different services.
The right to object – the right to object to processing in certain circumstances.
Rights in relation to automated decision making and profiling – rights in relation to automated decision making and profiling.
The right to withdraw consent – the right to withdraw consent at any time (where relevant).
Complaints to the Information Officer – the right to complain to the Information Commissioner.
9.1 The Website www.youngcardriver.com (the “website”) is owned and operated by Autedia Limited, in the trading style of Young Car Driver’ (“We, Us, Young Car Driver”). We are a limited company registered in England and Wales under company number 08775069 and have our registered office at 19 Whitehill Close, Crowborough, England, TN6 1JG.