Peter Vardy Holdings Ltd – Privacy Statement

Peter Vardy Holdings Ltd – Privacy Statement

Introduction

As a customer of Peter Vardy Ltd we may in certain circumstances collect and process your personal data in the course of our business with you. Under the General Data Protection Regulation EU 2016 / 679 (GDPR) you are entitled to be informed of what data we will hold and how we intend to use that data. This Privacy Statement informs you of what data we collect, why we collect it and the lawful conditions we consider appropriate for the processing of your personal data.

What Data Do We Collect?

‘personal data’ means any information relating to an identified or identifiable natural person, most common data being name, address, email, telephone number or IP address.

We may collect, store and process the following types of personal data relating to you through our website, online enquiry forms, by telephone, email or in person in our branches:

  1. Information that you provide to us if enquiring about purchasing goods or services from us, including name, address, telephone number, email address and IP address.
  2. Information that you provide to us in order to purchase goods or services from us including date of birth, finance details, photographic proof of identity, and proof of income.
  3. CCTV information for security purposes at our branches.
  4. Information that we are legally bound to provide to 3rd parties including driving licence details.

Why We Need this Information 

Personal data we collect from you will be used for the purposes it was provided, including the following:

  1. In order for you to form a legally binding contract with us.
  2. In order that we can propose and secure a finance agreement for you if required.
  3. In order for us to verify your identity.
  4. To contact you in the event of any vehicle safety recalls.
  5. To send you information which we consider to be for legitimate interest reasons including Marketing Information, MOT reminders, service reminders and customer service surveys.

The use of your personal information by ourselves, 3rd parties and at Credit Reference and Fraud Prevention Agencies.

In order to process your application, we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

The legal basis for this is

  • Legal contract
  • Consent
  • Legitimate Interest

We will also continue to exchange information about you with CRAs on an ongoing basis, including your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates.

  1. When you apply for finance with us, your details will be passed into a 3rd party company, Blue Owl Network Ltd trading as AutoConvert (contact details below). This organisation will check the following records about you and with their chosen Credit Reference Agencies (CRA), Equifax Ltd and Experian Ltd (contact details below)
  2. Our own;
  3. Up to date contact information can be found for AutoConvert at http://www.autoconvert.co.uk
  4. Those at Equifax Ltd and/or Experian Ltd. When Equifax and/or Experian receives a search request from us via AutoConvert, they will place a soft quotation footprint that will be visible to you only, on your credit file, other parties including lenders will not see this. This quotation footprint will not be seen by other parties and it will not affect your credit score/rating or ability to apply for finance from other lenders.
  5. AutoConvert will access from Equifax Ltd and/or Experian Ltd both public (including the electoral register) and shared credit and fraud prevention information. This information will be used to check your eligibility against a select group of lenders.
  6. Those at fraud prevention agencies (FPAs)
  7. We will not see any information on your credit file, AutoConvert will only provide a list of lenders that you are likely to be accepted for given the information supplied using their brokering technology that understands most of the acceptance criteria of the lenders on their panel.
  8. We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime
  9. Information on applications will be sent to CRAs and will be recorded by them.
  10. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
  11. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 2018.

How to find out more You can contact our chosen 3rd Party, Blue Owl Network Ltd trading as AutoConvert or the Credit Reference Agencies, Equifax and Experian; the information they hold may not be the same so it is worth contacting them all.

Equifax Ltd, Customer Services Centre, PO Box 10036, Leicester, LE3 4FS or call 0800 014 2955 or visit www.equifax.co.uk

Experian Ltd, The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ, UK https://www.experian.co.uk/contact-us/

AutoConvert, 1 Tony Wilson Place Manchester, M15 4FN, UK www.autoconvert.co.uk

Marketing and Sharing Personal Data

On occasion we may use your personal data to inform you about relevant products and offers. We will collect information from you including how you would like us to contact you and use your information to contact you about products, services and offers which we think may be suitable for you. We will give you the option to opt out of any marketing material at the time we collect your data for marketing purposes and each subsequent time we market to you. 

Should you wish to be removed from our marketing database or advise us of an amendment to your marketing preferences you can do so by clicking here and completing the online form.

There may be instances where we share your personal data with 3rd party organisations where it would be reasonable to do so, these include

  1. Finance companies where you have entered into a Finance Agreement, and where we are required to settle an existing agreement. 
  2. Insurance companies where you have purchased Guaranteed Asset Protection.
  3. Vehicle manufacturers where you have purchased a vehicle from one of our franchised dealerships.

However, we would not share your personal data with other organisations for marketing purposes unless we have your express written consent to do so.

A list of our Finance Partners, Insurance Partners and Franchise Partners can be found here

There may be circumstances when we may share your personal data e.g.

  1. To the extent that we are legally obliged to do so by law.
  2. In connection with any ongoing or prospective legal proceedings.
  3. In order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk)
  4. In pursuance of any debt owed to us as a result of a default in payment.
  5. To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information, where in our reasonable opinion, such court or authority would be reasonable likely to order disclosure of that personal information.

We do not store credit card details nor do we share financial details with any 3rd parties

Legitimate Interests

We may use your personal information to contact you for reasons that we consider are in our commercial interests and / or the interests of our customers. We have carried out a Legitimate Interest Assessment for the following 4 areas and consider these Legitimate Interests to be: -

  1. To send our customers marketing information when we have a relevant and appropriate relationship with them.
  2. To contact our customers in order to gain feedback in to the service we have provided and what we did well or badly.
  3. To contact our customers to remind them of vehicle service dates.
  4. To contact our customers to remind them of MOT due dates.

Should you wish a copy of any of our legitimate interest assessments please contact our data protection officer at the details below.

Security of Personal Data

We will take all reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information. The Peter Vardy Ltd website uses a security system that protects your information from unauthorised use.

Your Rights

As a result of Peter Vardy Ltd processing your personal data you have a number of individual rights:

  1. You may instruct us to provide you with any personal information we hold about you, via a Subject Access Request – Upon receipt of such a request, we will, after confirming identity provide all relevant data we may hold to you, in the most practical format and as soon as possible. We may withhold personal information that you request to the extent permitted by law.
  2. You may instruct us to correct any inaccuracies in that personal data which we will do as quickly as possible.
  3. You may instruct us to no longer process your personal data for marketing or any other purposes, which we will do as quickly as possible.
  4. You may instruct us to destroy some/all of your personal data which we will do as quickly as possible. (The Right to be Forgotten)
  5. You may in certain circumstances request that your data is transferred to another service provider. (The right to Data Portability)

Cookies

The Peter Vardy web site uses "cookies" to help improve your online experience.

A cookie is a text file that is placed on your hard disk by our web page server. Cookies cannot be used to run programs or deliver viruses to your computer and are safe.

Cookies are uniquely assigned to you, and can only be read by a web server in the Peter Vardy domain that issued the cookie to you.

None of the cookies on our web site collect or store personal data, we only store standard internet log data for our internal reporting purposes. We do this to find out things such as the number of visitors to the various parts of the Peter Vardy web site. We collect this information in a way which does not identify anyone, keeping your privacy as well as allowing us to improve the web site wherever possible.

The Peter Vardy web site does collect some personal / identifiable information but this is always done through asking you the user to enter details such as your email address. We will never capture personal information without making you aware first.

We use Retargeting Cookies, these cookies allow us serve our advertising to you after you have left our site. We work with third parties who may place cookies on your web browser to enable us to serve you with adverts using a variety of digital marketing networks and ad exchanges. These are Google DoubleClick Bid Manager (DBM) cookies supplied by Newsquest Media Group.

You still have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Peter Vardy services or web site.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit http://www.allaboutcookies.org/ Alternatively, you can search the internet for other independent information on cookies.

Registration

We are registered as a data controller with the Information Commissioners Office and our Registration Numbers are as follows

Peter Vardy Ltd                                           Z9557565            

Peter Vardy (Bavaria) Ltd                             ZA016786            

Peter Vardy (Perth) Ltd                                ZA016667            

Peter Vardy Porsche Ltd                               ZA016657

Peter Vardy Porsche Perth Ltd                      ZA324523

Data Protection Officer

Our Data Protection Officer is Kenny Scott Head of Compliance. Should you have any concerns or questions about how we process and store your personal data please direct them to [email protected]

If you are dissatisfied with any aspect of our handling of your personal data, you can complain to the Information Commissioner’s Office via the following:

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Telephone 0303 123 1113

www.ico.org.uk               

 

We may update this Privacy Notice from time to time so please check our website for updates.