Why do we collect and use your personal information?
We collect and use your personal information in order for us to provide you with our Car Finance Brokering service.
We use your personal information to send marketing communications to you about similar products and services that may be of interest to you. We will send our marketing communications to you by email. It is to be noted that you can object to your personal information being used by us to send you marketing information. Each marketing email will also include an unsubscribe link to enable you to opt-out of receiving future marketing communications.
Motorsync Ltd is a credit broker, not a lender. Our rates start from 9.9% APR. The rate you are offered will depend on your individual circumstances. We may receive a commission payment from the finance company we place you with if you enter into an agreement. Any commission received by us will not affect the interest rate you are offered. We will only offer the most affordable acceptance available to you from our lending panel.
Motorsync will receive your application and aim to process it and contact you within 10 minutes of application.
By processing your application, we will search our extensive panel of lenders to find an acceptance that is right for you. Once you are approved, there is no obligation to purchase a vehicle, if you do wish to purchase a vehicle we are not the supplier, however we will assist you if necessary in your search for a car using our recommended dealer network.
Once you have chosen a vehicle, we will liaise with the supplying dealership and gather the documents needed from them to complete your agreement. The dealer will have to meet certain standards in order for us to have confidence in them supplying a car to you.
What is our lawful basis for handling your personal information?
Under the General Data Protection Regulation (GDPR) we must have a lawful basis to legally handle your personal information. The lawful basis that we rely upon are as follows:
Contract – to take steps, at your request, to enter into a contract to fulfil your order and to perform our obligation under the contract (i.e. to deliver your order);
Legal obligation – to share personal information with law enforcement agencies and regulatory bodies if required to do so by law;
Legitimate interests – to use your personal information to send you marketing communications about similar products/services in the future, to share your personal information with third party professional service providers that we engage and to share your personal information with our successor(s) in the event of a merger or acquisition.
What happens if I do not provide my personal information?
We need your personal information in order to provide our Car Finance Brokering to you. If we do not collect your personal information, we will not be able to provide our services to you.
Who will we share your personal information with?
We will share your personal information with credit reference agencies and lenders that are appropriate for your current circumstances.
Our partners, including brokers, introducers, lenders and motor dealers we work with dependent upon your individual credit profile and the specific criteria determined by the lender.
We may share your personal information with law enforcement agencies, fraud prevention agencies and regulatory bodies such as the FCA and HMRC when required to do so by law.
We may engage the services of professional advisers such as compliance consultants, lawyers and accountants who may be given access to your personal information in order to provide their services to us. We will ensure that your personal information is protected by obtaining a written undertaking of confidentiality from the professional service providers.
In the event that we are subject to a merger or acquisition we may share your personal information with the organisation(s) that acquire or merge with our business and/or their professional advisers in the course of the acquisition or merger transaction and thereafter. In such circumstances the latter organisation will be required to use your personal information in the same ways described in this privacy policy.
Our website uses cookies (including Google Analytics cookies to obtain an overall view of visitor habits and visitor volumes to our Website). To view more information on what cookies we use and how we use them please review our separate Cookie Policy.
How long will we store your personal information?
We will store your personal information for up to six years from ceasing to be our client. This is to enable us to refer to our records in the unlikely event that you want to lodge a complaint against us within six years.
If you do not exercise your right to object to marketing or unsubscribe to our marketing emails, we will store your personal information for marketing purposes until you exercise your right to object or unsubscribe.
Using your personal information for automated decision-making
We will use your personal information to make automated decisions concerning you such as profiling.
The logic involved in the automated decision-making will be:
Initial criteria about yourself such as age and time at address
Affordability assessments and whether a particular product is suitable for you
The product chosen will be determined by whether or not it is suitable based on what you have asked for (age of vehicle, amount to borrow etc and the rates available to you. Motorsync Ltd chooses the most affordable option for the customer in any instance that we are able to get a customer approved for finance.
The envisaged consequences of using your personal information to make automated decisions are
Soft or Hard searches against your credit profile dependent on lenders you have your information shared with
Personal details will be passed to third party finance companies who may contact you for marketing purposes
Finance companies may contact you direct to inform you of their decision
What are your rights in relation to your personal information?
Right to access
You have the right to request copies of the personal information we hold about you at any time. Please email support@motorsync.co.uk.
You will not have to pay a fee to access your personal information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
Right to rectification
You have the right to request that we correct any inaccurate personal information we hold about you.
Right to erasure
You have the right to request that we delete your personal information from our records.
Please note that we will not be able to delete your personal information whilst we are still providing our services to you. We will be able to delete your personal information once you cancel the service or once the service is completed.
Right to restrict processing
You have the right to request that we restrict how we use your personal information.
Right to object
You have the right to object to the collection and use of your personal information at any time.
Right to data portability
You have the right to obtain a copy of your personal information in a legible and compatible format such as Excel or Word.
Right to withdraw consent
You have the right to withdraw your consent for us to use your personal information at any time.
How can I exercise my rights in relation to my personal information?
You can exercise all of your rights by contacting us on any of the above contact details.
How do I lodge a complaint about the use of my personal information?
You can lodge a complaint with us directly by contacting us on one of the above contact details.
You also have the right to lodge a complaint directly with the Information Commissioner’s Office (ICO). The ICO are the regulator who makes sure that we use your personal information in a lawful way.
You can lodge a complaint with the ICO by following this link https://ico.org.uk/concerns/ or calling the ICO on 0303 123 1113.
Short Notice
The personal information we have collected from you will be shared with fraud prevention agencies who
will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you
could be refused certain services, finance or employment. Further details of how your information will
be used by us and these fraud prevention agencies, and your data protection rights, can be requested by emailing us at: support@motorsync.co.uk
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