Vertu Lease Cars Privacy and Cookie Policy

This data privacy policy explains how Vertu Lease Cars will collect personal data from you and why the data is being collected. It also explains how we use your personal data and to whom we may disclose the data to if necessary.

Your data is stored and used by Vertu Lease Cars which is a trading style of UK Carline Limited (the ‘Data Controller’). You can contact us on 0300 3730751 between 9am and 5.30pm Monday to Friday. You can also e-mail us at info@vertuleasecars.co.uk or write to us at Vertu Lease Cars, UK Carline Limited, Sunnybank House, Bilsborrow Lane, Bilsborrow, Preston, PR3 0RN.

Vertu Lease Cars is a business dedicated to providing consumers with excellent products and services. We use your data to action applications and orders you have placed with us, to contact you regarding your orders, and should you agree that we may do so, to keep you informed of any future products or services we believe you may be interested in.

We ask for certain information from you to process your enquiry, application, and order. To process your application, we may need to share your information with 3rd parties and credit reference agencies. We will keep information about you and your agreement on our database. We may pass information about you and your agreement to anyone we have appointed to help administer your agreement, to your credit provider for administration, claims handling and fraud prevention (which could include passing to other insurers) to insurance companies or to record amounts owing or to anyone to who we transfer the agreement.

We will retain details of your order for a minimum of 6 years to comply with HMRC requirements.

If at any point you wish to see a copy of the data we hold about you, details of how we use and store your data, or receive further details regarding your rights, you can request this from us via phone or e-mail.

While you do not have to give us permission to use your data, unfortunately we would be unable to fulfil your application or order without your permission and we would need to cancel your order.

All personal data transmitted by you (the ‘data subject’) to us is automatically stored. Such personal data is stored for processing or contacting you.

Vertu Lease Cars is committed to complying with the UK’s Data Protection law and the UK General Data Protection Regulations (GDPR) for the protection of personal data and the principles of data security within our service.

The data collected and processed.

In order for us to provide products and services to you and for us to administer your account, Vertu Lease Cars will collect, store, and use elements of your personal data. This is a contractual requirement to enable us to arrange finance for you.

As we are a credit broker, and not a lender, we will ask for your express consent to submit your data to a lender. The lender is one of our partner funders (the finance company who you will enter into agreement with should you proceed with an order). In certain circumstances we may submit your data to more than one lender as part of our application process.

You will be asked to provide the following information:

• Title
• First name(s), surname, or company name
• Address (street, street number, postal code, city etc.)
• Address history
• Email address
• Date of birth
• Telephone contact numbers
• Employment details (employment history)
• Monthly income and expenditure
• Bank details (sort code and account number)
• VAT ID (if applicable)

We will also monitor, record, store and use any telephone recordings, email, or electronic communications with you for training and monitoring purposes, to check any instructions given to us and to improve the quality of our service.

You agree and consent that we may use and update this centrally held information to provide you with service, to update our records about you and to contact you regarding information related to any existing contract you have with us. We may also use you information for research and statistical analysis with the aim of improving our services.

Making an application

Should you wish to make an application, we will submit your details to one of our panel of finance companies who will make a search of your credit history at credit reference agencies. A record of this search will be added to your credit reference record and will remain on your record for one year. In certain circumstances we may submit your application to more than one finance company.

Searches will also be made in respect of directors and partners of firms applying for credit. Information held about you by the credit reference agencies may already be linked to records relating to other people with whom you have a financial association. In connection with your application, you may be treated as financially linked with them and assessed with reference to any such associated records.

If you are a joint applicant or if you have told us of some other financial association with another person, or a director of a firm which is applying for a facility you are declaring that you are entitled to:

• Disclose information about your joint applicant, fellow directors, and anyone else referred by you.
• Authorise us to search, link or record information at credit reference agencies about you and anyone else referred by you.

We will use a credit scoring system when assessing your application and we will also add to your record with the credit reference agencies details of your agreement with us, the payments you make under it and any default or failure to keep to its terms and any change of address you fail to tell us about where a repayment is overdue. These records will be shared with other organisations and used by us and them to help make decisions about credit and credit related services such as insurance for you and members of your household; trace debtors, recover debt and to manage your accounts.

For these purposes we or they may make further searches. Although the searches will be added to your record, they will not be shared with others.

If you give us false or inaccurate information and fraud is identified, details will be passed to the fraud prevention agencies.

We and other organisations may also share, access, and use this information to prevent fraud and money laundering, for example when:

• Checking details on applications for credit and credit related to other facilities.
• Managing credit and credit related accounts or facilities
• Recovering debt
• Checking details on proposals and claims for all types of insurance.
• Checking details of job applicants and employees

In addition, law enforcement agencies may access and use this information. We and other organisations may access the information recorded by fraud prevention agencies from other countries. For these purposes we or they may make further searches. Although these searches will be added to your record, they will not be shared with others.

We and the credit reference agencies will also use the records for statistical analysis about credit.

We will only disclose your personal information outside of Vertu Lease Cars when:

• You have given us consent
• We need to obtain professional advice
• We or others need to investigate or prevent crime (e.g. fraud prevention agencies)
• The law permits or requires it
• Any regulatory or government body requests or requires it, even without your consent
• There is a duty to the public to reveal the information
• If we have identified a legitimate interest in relation to additional products and services related to your order

If you withdraw your consent for us to process your application, we will cease the processing immediately.

Please telephone us on 0300 3730751 if you want to have details of those credit reference and fraud prevention agencies from whom we obtain and to whom we pass information about you. You have the legal right to these details.

Sharing your information with others

We will keep information about you and about your agreement on our database. We may pass information about you and your agreement to anyone we have appointed to help administer your agreement, to your credit insurer for administration, claims handling and fraud prevention (which could include passing it to other insurers), to insurance companies or to recover amounts owing or to anyone to whom we transfer the agreement.

Website Cookies

When you access our website, temporary data about your visit is stored and processed in a protocol file for a certain period of time via the use of cookies. Cookies collect information about your use of the website, including things like your connection speed, details of your operating system, the time and duration of your visit and your IP address. Cookies are widely used on the internet and do not identify the individual using the computer, just the computer being used. Cookies and other similar technology make it easier for you to log on to and use our websites during future visits.

The information collected by cookies enables us to understand the use of our site, including the number of visitors we have, the pages viewed per session, time exposed to particular pages etc. This in turn helps us to provide you with a better experience, since we can evaluate the level of interest in the content of our website and tailor it accordingly.

We will not attempt to personally identify you from your IP address unless required to as a matter of law or regulation, or to protect our or our other customers’ rights. Most browsers automatically accept cookies.

You can set your browser options so that you will not receive cookies and you can also delete existing cookies from your browser. However, you may find that some parts of the site will not function properly if you refuse cookies.

The following data is collected and stored by Vertu Lease Cars until its automated deletion:

• IP address and location of the accessing computer / device
• Date, time, and duration of your visit
• Name and URL of the accessed pages
• Identification data of the browser and operating system used.
• Website from which the data was accessed.
• Name of your internet access provider

We will monitor network traffic from time to time for the purposes of backup and problem solving and to ensure that you are not misusing any of the services provided to you.

Links to third party websites

Our website may provide links and banner advertisements to third party sites. Please note that this data privacy notice only applies to Vertu Lease Cars, and we are not responsible for, and have no control over, information that is submitted to or collected by third parties or displayed on third party websites. Since we do not control those websites, you are responsible for reviewing and abiding by the data policies of these third-party sites.

Protecting your privacy

Wherever possible we have tried to create a secure and reliable website for our users, however, you recognise that your use of the Internet and our website is entirely at your own risk, we have no responsibility or liability for the security of personal information transmitted via the Internet.

Any access to your data that is stored at our company, only takes place through an encrypted connection. By using the most up to date firewall and security systems, we provide the best possible protection for your data.

If you feel your privacy has been breached by us, then please write to:

Compliance Manager

Vertu Lease Cars
UK Carline Limited
Sunnybank House
Bilsborrow Lane
Bilsborrow
Lancashire
PR3 0RN

If at any time we become aware that your data has been compromised, or that a breach of our systems and controls has occurred (which has an impact on the security of your data) we will notify you and the Information Commissioner’s Office without undue delay.

Using your information for marketing purposes

We may only use your information for direct marketing purposes if you have expressly agreed to this. This includes telling you about products and services available from us that may be of interest to you and letting you know about products and services which we can introduce from selected businesses.

We may also pass your information to agencies conducting market research for us and to selected insurers who may use it for marketing purposes to help make our emails more interesting and relevant, we often receive a confirmation when you open an email from Vertu Lease Cars if your computer supports such capabilities.

You have a right at any time to ask us not to contact you or give your details to others for these purposes or not to telephone you for sales purposes. You may email info@vertuleasecars.co.uk if you wish us to stop.

Subject Access Requests

You have the right to request access to a copy of the personal information that we hold about. This is known as a Data Subject Access request (DSAR). This information is usually provided to you free of charge however we have the right to charge a ‘reasonable fee’ when a request is unfounded, excessive, or repetitive.

If you would like to submit a Data Subject Access Request, you may email info@vertuleasecars.co.uk.

We aim to respond to your request within one month of receipt of your request.

Updating personal data (rectifying information)

If you believe that the personal data we hold about you is inaccurate or incomplete, you have the right to rectification. Where possible, we will also inform any third parties to whom we have disclosed the personal data in question to so that they can amend their records.

We will typically respond to your request within one month, although this can be extended by a further two months if your request is complex.

Withdrawing consent

You have the right to withdraw your consent for us to collect, process and store your data at any time. If you wish to withdraw your consent, please confirm this in writing to us:

By post:

Vertu Lease Cars
UK Carline Limited
Sunnybank House
Bilsborrow Lane
Bilsborrow
Lancashire
PR3 0RN

By Email:

info@vertuleasecars.co.uk

Please note, withdrawing consent will result in termination of our services. The withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal.

Your right to complain.

If you have a complaint about any aspect of data protection or if you feel that your privacy has been breached by us, we would like to hear from you, please contact:

By post:

Vertu Lease Cars
UK Carline Limited
Sunnybank House
Bilsborrow Lane
Bilsborrow
Lancashire
PR3 0RN

By Email:

info@vertuleasecars.co.uk

If you are unhappy with the final response received from us, you have the right to complaint to the supervisory authority, the Information Commissioner’s Office (ICO). You can contact the ICO on 03031231113 or visit their website: https://ico.org.uk

Changes to our Privacy Policy

Please note that this policy will be reviewed, and may change, from time to time. The revised policy will be posted to this page so that you are always aware of the information we collect, how we use it and under what circumstances we disclose it.