At Go Car Credit, we understand the importance of looking after you, our customer, and the information you have entrusted to us. Our promise to you is that:
Go Car Credit, is made up of two legal entities, Go Car Credit Limited and its subsidiary, GCC Funding (CT) Limited. Any lending agreement you enter into will be with Go Car Credit Limited.
Go Car Credit has its own car dealership trading under the name The World of Cars. The World of Cars act as a Credit Broker to GCC and other funders, and is able to offer a range of credit products to aid you in purchasing a vehicle from their forecourt.
Go Car Credit is Authorised and Regulated by the Financial Conduct Authority, our Firm Reference Number is 727117. You can find out more about us on our website www.gocarcredit.co.uk, including how we use your information in our Privacy Notice. Go Car Credit is Authorised and Regulated by the Financial Conduct Authority, our Firm Reference Number is 727117. You can find out more about us on our website www.gocarcredit.co.uk, including how we use your information in our Privacy Notice.
During your application for car finance with us, we ask for personal information about you, including your name, date of birth and address history. As a finance company, to help us consider your application for car finance, we will also ask for additional information about your employment and financial circumstances such as your income and outgoings.
If you are approved and proceed to take out finance with us the types of personal information we collect may change. If you would like more in depth information about the type of information we ask for please click on the links below:
We will ask for personal information to process the sale of the vehicle to you. This includes:
Payment information – If paying via a debit or credit card we will process your card payment via our card merchant. We do not store your card information for one off payments.
We will ask for personal information that enables us to conduct a credit reference check and setting up and managing your loan agreement. We will collect:
During the life of your agreement, we will collect additional personal information about you including:
Should we fail to establish contact with you we will share personal information, including your name, address and telephone numbers, with approved companies to aid us to reconnect with you. The approved companies will verify the information we provide and may provide us with new address and telephone information to attempt contact with you. We may also receive information about your credit status, including changes in your credit circumstance. Should we be unable to reconnect with you, and choose to repossess your vehicle in accordance with current UK legislation, we will also pass on some of your personal information to repossession agents to enable them to collect the vehicle.
Should you fall into arrears we offer payment plans that can be set up to be automatically debit your bank account via a continuous payment authority (CPA). We will ask you to provide you card number, expiry date, name and 3 digit security number. We do not store this information, instead we convert it into a unique token that cannot be used by anyone other than Go Car Credit to debit the repayments we agree with you.
During the life of your agreement with us, we share your personal information with approved companies for several different reasons. We only share your information with companies approved by us, ensuring we act as responsible information controllers. We have contracts in place with all our approved companies and suppliers that detail how they can use and retain the personal information we provide them about you. We will never share your personal information without notifying you via our privacy notice, or if required to by law or a legitimate business interest. We will never share your personal information for marketing purposes without your consent. Please see the FAQ “What information do you collect about me?” which details the personal information we collect and may ultimately share with approved companies.
We will share your personal information with:
Should you fail to make your repayments on time and in full, and fail to contact us, either directly or via our communications to you, we will use 3rd parties such as:
To satisfy our legal requirements we will share your personal information with the following agencies if there is a legal reason for us to comply:
We may also share your personal information if Go Car Credit chooses to alter the way its business is structured in the future.
The Payment Reminder System (PRS) is fitted to the vehicle as part of the terms of the agreement. If a payment from you is late or not made for whatever reason then the system is designed to remind you that the payment has become due, and may interrupt the usage of the vehicle if not rectified (following the expiry of any notices that we are required to send you by law). Should we be unable to contact you, the vehicle can be remotely located using the PRS devices GPS feature.
The system includes a GPS location function. The GPS feature is activated from the outset of the agreement. This data will be used to locate the vehicle in the event of Go Car Credit Limited needing to recover the vehicle due to breach of the agreement terms. The device also collects a range of data about the vehicle which may be used to service your account.
The data provided by the vehicle/PRS device is considered personal to you and will only be processed in accordance with relevant Data Protection legislation. The data will also be processed and may be passed to agents acting on behalf of Go Car Credit Limited used to locate the vehicle following a request from the police, other relevant authorities or insurance companies.
All PRS devices are equipped with a tracking feature that will notify us of the vehicles at varying times. Access to this information is limited to key personnel within our business and we will only use the data should your car need to be repossessed or in the event of a request from law enforcement agencies.
The insertion of a PRS device is a requirement under your contract with us, and our monitoring of your vehicles position is for our own legitimate business interest.
As well as our Privacy Promise, your privacy is protected by law. This section explains how that works.
Personal information protection requirements
Data protection legislation states that we are allowed to use personal information only if we have a proper reason to do so. This includes sharing it outside Go Car Credit. The law says we must use one or more of these reasons:
For more information on how we share your information please click here.
Explanation of a legitimate business interest
A legitimate business interest is when we have a business or commercial reason to use your information. But even then, it must not unfairly go against what is right and best for you. If we rely on our legitimate interest, we will tell you what that is.
Here is a list of all the ways that we may use your personal information, and which of the reasons we rely on to do so. This is also where we tell you what our legitimate interests are.
|Customer & business focused activities||Legitimate Interest|
|• To manage our relationship with you.||• Keeping our records up to date, working out which of our products and services may interest you and telling you about them.|
|• To monitor emails, calls, other communications and activities on your agreement to ensure we treat you fairly.||• Reviewing communications between you and us to ensure you are receiving the correct information from us to make informed decision about your agreement.|
• To aid in the development and coaching of our employees.
|• To develop new ways to meet our customers’ needs and to grow our business.|
• To develop and manage our brands, products and services.
|• Developing products and services, and what we charge for them.|
|• To test new products||• Defining types of customers who are our appropriate users of any product we create or launch.|
|• To develop and carry out marketing and communication strategies.||• Defining types of customers for new products.|
• Seeking your consent when we need it to contact you.
|• To contact you towards the end of your agreement to make you aware of future products and services that may be relevant to you.||• Ensuring you are aware of any product or service we provide that you may like to consider.|
• We will not require your consent to contact you for this specific business interest.
|• To study how our customers, use our products.||• Being efficient about how we fulfil our legal duties.|
|• To protect our customers and ourselves from fraud.||• To ensure we only lend to legitimate customers.|
|• To manage how we work with other companies that provide services to us and our customers.||• Being efficient about how we fulfil our legal and contractual duties.|
|• To manage risk for us and our customers.||• Developing and improving how we deal with financial crime, and other business and regulatory risks as well as doing our legal duties in this respect.|
|• To run our business in an efficient and proper way. This includes managing our financial position, business capability, planning, communications, corporate governance, and audit.||• Complying with regulations that apply to us.|
• Being efficient about how we fulfil our legal and contractual duties.
|• To monitoring communications with you.||• Training and monitoring purposes.|
• Assessing our ability to treat customers fairly.
|• To monitor the location of your vehicle||• In line with your contract with us, should your account go into arrears we will monitor the location of the vehicle via the PRS installed in your car. For more information, click here|
• To aid us in recovering your vehicle when required.
|• For the establishment and defence of legal rights.||• In the event of legal proceeding, we will use the information available to us, including personal information, to aid us in building or defending a legal case.|
|• To anonymise personal information for various legitimate business needs.||• We anonymise personal information to ensure our customers are not personally identifiable to the users of that information.|
• Anonymised personal information is used for a variety of different reasons, for example marketing strategies and customer segmentation and profiling.
• This ensures that the information provided cannot be linked back to a specific individual.
You have the right to object to any data we process via a legitimate interest. For more information please click here.
We use systems to make certain automated decisions based on personal information we have or are allowed to collect from others and about you. This helps us to make sure our decisions are quick, fair, efficient and correct, based on what we know. These automated decisions can affect the products, services or features we may offer you now or in the future, or the price that we charge you for them.
All of our automated loan decisions are reviewed by one of our underwriting team to ensure our automated decisions are fairly assessed before issuing a final loan decision. You can ask for your application to be reviewed by a second underwriter if you feel the decision is unfair or incorrect.
Here are the types of automated decisions we make:
We use your personal information to help decide if your account is linked to fraud or money-laundering. If we think there is a risk of fraud, we will conduct an investigation and pass on key information to fraud prevention agencies.
We use a system to decide whether to lend money to you. This is called credit scoring. It uses past information to assess how you’re likely to act while paying back any money you borrow. This includes personal information about similar accounts you may have had before.
Credit scoring uses personal information from three sources:
It gives an overall assessment based on this. We use this to help us make responsible lending decisions that are fair and informed.
Credit scoring methods are tested regularly to make sure they are fair and unbiased.
As a person you have rights over automated decisions.
All our automated loan decisions are reviewed by one of our underwriting team to ensure automated decisions are fairly assessed before issuing a final loan decision. If you want to know more about these rights, please contact us.
We carry out credit and identity checks when you apply for a product or services for you or your business. We use Credit Reference Agencies to help us with this.
If you use our services, from time to time we may also search information that the CRAs have, to help us manage your account.
We will share your personal information with CRAs and they will give us information about you. The personal information we exchange can include:
We will go on sharing your personal information with CRAs for as long as you are a customer. This will include details about your settled accounts and any debts not fully repaid on time. It will also include details of the outstanding loan including:
The CRAs may give this information to other organisations that want to check your credit status. We will also tell the CRAs when you settle your accounts with us.
We’ll use this personal information to:
When we ask CRAs about you they will note it on your credit file. This is called a credit search. Other lenders may see this, and we may see credit searches from other lenders.
If you ask for a quote from us, we will conduct a “Soft ”quotation credit search. Soft searches leave a footprint on your credit file, however they do not impact your credit score with credit reference agencies.
Should you progress with a full loan application, we will run a “hard” credit check. This leaves a footprint on your file that other lenders will be able to see, and it may affect your ability to obtain further credit.
If you apply for a product with someone else, we will link your records with theirs. We will do the same if you tell us you have a spouse, partner or civil partner.
You should tell them about this before you apply for our product. It is important that they know your records will be linked together, and that credit searches may be made on them.
CRAs will also link your records together. These links will stay on your files unless one of you asks the CRAs to break the link. You will normally need to give proof that you no longer have a financial link with each other.
You can find out more about the CRAs on their websites, in the Credit Reference Agency Information Notice (CRAIN). This includes details about:
You can find the CRAIN document to the CRA we use at https://www.callcredit.co.uk/crain
We need to confirm your identity before we provide products or services to you. Once you have become a customer of ours, we will also share your personal information as needed to help detect fraud and money-laundering risks. We use a Fraud Prevention Agencies to help us with this. We or an FPA may allow law enforcement agencies to access your personal information. This is to support their duty to detect, investigate, prevent and prosecute crime.
We will use your information to:
These are some of the kinds of personal information that we use:
If we or an FPA decide there is a risk of fraud, we may stop activity on your loan account. FPAs will also keep a record of the risk that you may pose.
This may result in other organisations refusing to provide you with products or services, or to employ you.
FPAs can keep personal information for different lengths of time. They can keep your information for up to six years if they find a risk of fraud or money-laundering.
We will send some of your personal information outside of the European Economic Area (EEA). When we do, we will only send your personal information to a country whose data protection laws have been confirmed by the European Commission as being “adequate”, or where there is a contract in place to make sure the recipient protects the information to the same standard as the EEA, or where the approved company receiving your information is confirmed as being in compliance with EU data protection standards via an approved scheme. This may include following international frameworks for making information sharing secure.
If we do transfer information to our agents or advisers outside of the EEA, we will make sure that it is protected in the same way as if it was being used in the EEA. We’ll use one of these safeguards:
To learn more, please visit the European Commission Justice website.
The Payment Reminder System (PRS) installed in your vehicle is managed by one of two firms, Imetrik who are currently based in the Canada or Passtime, based in the USA . We share information with them to manage the PRS in line with the contract we have with you.
We take great care in ensuring all firms outside the EEA have contracts in place that define how they can use your personal information and the period they can hold it for. Go Car Credit are responsible, as Data Controllers, for ensuring Imetrik and Passtime process your personal information fairly and compliantly with EU Data Protection laws.
We use your personal information to tell you about relevant products and offers. This is what we mean when we talk about ‘marketing’.
The personal information we have for you is made up of what you tell us, and personal information we collect when you use our services, or from third parties we work with.
We study this to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you.
We can only use your personal information to send you marketing communications if we have either your consent, or a 'legitimate business interest'. That is when we have a business or commercial reason to use your information. It must not unfairly go against what is right and best for you. For more information on Consent and Legitimate Interests please see “How does the law protect me?”
You can ask us to stop sending you marketing communications or change the methods we use to market to you, by contacting us at any time. Whatever you choose, you'll still receive statements, and other important information such as changes to your existing product and legal notifications regarding the status of your account.
We may ask you to confirm or update your choices, if you take out any new products or services with us in future. We will also ask you to do this if there are changes in the law, regulation, or the structure of our business.
If you change your mind you can update your choices at any time by contacting us.
Within the last six months of your loan agreement with us, we will contact you to discuss the next steps of closing your account and transferring the ownership of your vehicle to you. We will also contact you with information regarding new products and finance deals that may be relevant to you as a legitimate business interest. For more information on Legitimate Interests please see “How does the law protect me?”
We will keep your personal information for as long as you are a customer of Go Car Credit Ltd.
If you have an agreement with us
After you stop being a customer, we may keep your personal information for six years from the end of your agreement for one of these reasons:
We will keep your personal information for longer than 6 years if we cannot delete it for legal, regulatory or technical reasons. We may also keep it for research or statistical purposes. If we do, we will make sure that your privacy is protected and only use it for those purposes.
If you do not take up your loan offer or are refused finance
We will hold your information for 12 months to enable us to answer any questions or complaints you may have. During the 12 month retention period we will refer back to previous application decisions, and the personal information supplied, to aid us in our decisioning.
You can access your personal information we hold by contacting us directly our contact details can be found here.
Should you make a request, we have up to one month to issue a response to you. We may need to ask you for identification to process your request.
You have the right to question any information we have about you that you think is wrong or incomplete. Please contact us if you want to do this, our contact information can be found here.
If you do, we will take reasonable steps to check its accuracy and correct it.
You have the right to object to our use of your personal information, or to ask us to delete, remove, or stop using your personal information if there is no need for us to keep it. This is known as the ‘right to object’ and ‘right to erasure’, otherwise known as the ‘right to be forgotten’.
There may be legal or other official reasons, including lawful reasons, why we need to keep or use your personal information. But please tell us if you think that we should not be using it. You have the right to object to how we use your data. We will consider your request and provide you with a decision and the reason behind our stance.
We may sometimes be able to restrict the use of your personal information. This means that it can only be used for certain things, such as legal claims or to exercise legal rights. In this situation, we would not use or share your information in other ways while it is restricted.
You can ask us to restrict the use of your personal information if:
If you want to object to how we use your personal information, or ask us to delete it, please contact us. Please be aware that while you have a contract with us, the justification for deleting your personal information is limited to:
Where we have asked for your consent to process your personal information, you have the right to withdraw your consent at any time. Please contact us if you want to do so.
If you withdraw your consent, we may not be able to provide certain products or services to you. If this is so, we will tell you.
If you're unhappy with how we’ve handled your personal information, or you think there may have been a breach, please contact us and we will raise a complaint on your behalf. You can view our complaints policy here.
If you’re still unhappy after you’ve reviewed our response, you can contact the Information Commissioner's Office:
The Information Commissioner
phone: 0303 123 1113 (local rate) or 01625 545 745 (national rate)
fax: 01625 524 510
For more information, please go to https://ico.org.uk/concerns/
If you would like to speak to us about how we use your personal information you can ask us by contacting us via:
Go Car Credit Limited Registered Office:
1st Floor, Chadwick House,
Birchwood Park, Warrington,
Tel: 02393 760 238 Email: firstname.lastname@example.org