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  • 0845 544 3071 | 01634 757013
  • info@hostcarfinance.co.uk

Privacy Policy

1. About This Policy

Host Car Finance the trading style of Host Finance Ltd is committed to protecting and respecting your privacy. This policy, together with our website terms of use and any other documents referred to in it, sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. 

We are a data controller for the purposes of the UK General Data Protection Regulation (UK GDPR). Our ICO registration number is ZB804292 

2. Information We May Collect From You

We may collect and process the following data about you: 

  • Information you give us: This includes information you provide when you fill in forms on our website, correspond with us by phone, email, or otherwise. The information you give us may include your name, date of birth, residential address and address history, email address, phone numbers, financial information (e.g., salary, employment details, bank details), and details about the vehicle you are interested in. 
  •  Information we collect about you: With each of your visits to our website, we may automatically collect technical information, including the Internet Protocol (IP) address used to connect your computer to the internet, your login information, browser type and version, and operating system and platform. 
  •  Information we receive from other sources: We work closely with third parties, including lenders, credit reference agencies, and fraud prevention agencies. We may receive information about you from them to help us process your finance application and meet our legal obligations. 

3. The Purposes and Legal Basis for Processing Your Information

We will only use your personal data where we have a lawful basis to do so under the UK GDPR. The purposes for which we use your information and the legal bases on which we rely are as follows: 

  • To provide our services and fulfill a contract: We process your data to assess your eligibility for vehicle finance, submit your application to our panel of lenders, and manage your agreement. This is necessary for the performance of a contract with you or to take steps to enter into one. 
  • For our legitimate interests: We may process your data for our own legitimate business interests, such as managing our business effectively, recovering debts, and preventing fraud. We will always balance our interests with your data protection rights. 
  • To comply with a legal obligation: We are legally required to carry out certain checks, such as identity verification, anti-money laundering, and fraud prevention. We also process your data to comply with requests from regulatory bodies like the Financial Conduct Authority (FCA) and the ICO. 
  • With your consent: We may occasionally ask for your specific consent to use your data for a particular purpose, such as marketing to you. Where we rely on consent, you have the right to withdraw it at any time. 

4. Sharing Your Information

We may share your personal information with: 

  • Our panel of lenders: To secure a finance offer for you, we will share your application details with one or more of our carefully selected lending partners. 
  •  Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FPAs): When you apply for finance, we will perform searches with CRAs and FPAs. They will keep a record of your search, and this information may be used by other organisations to make credit and insurance decisions about you. 
  • Service providers: We may use third-party service providers (e.g., IT providers) who assist us in our business operations. They will only process your data on our instructions and are subject to strict data protection obligations. 
  • Legal and regulatory bodies: We may disclose your information if we are legally required to do so to comply with legal obligations or to assist with fraud prevention and crime detection.

5. How We Store Your Personal Data

The data we collect from you is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. We take all reasonable steps to ensure your data is treated securely and in accordance with this privacy policy.

6. How Long We Keep Your Data

We will not keep your personal data for any longer than is necessary for the purposes for which we collected it. The retention period will be determined by our legal obligations and our business needs. For example, if you enter into a finance agreement, we will keep your data for the duration of the agreement plus a set period thereafter for legal and regulatory purposes.

7. Your Rights

Under the UK GDPR, you have the following rights regarding your personal data: 

  • The right to be informed: You have the right to be told how we use your data, which this policy aims to do. 
  • The right of access: You have the right to request a copy of the information we hold about you. 
  • The right to rectification: You can ask us to correct any inaccurate or incomplete personal data we hold. 
  • The right to erasure (“right to be forgotten”): You can ask us to delete your personal data in certain circumstances. 
  • The right to restrict processing: You have the right to ask us to stop processing your personal data in certain situations. 
  • The right to data portability: You have the right to receive your personal data in a structured, commonly used, and machine-readable format to transfer it to another organisation. 
  • The right to object: You have the right to object to our processing of your data, particularly for direct marketing purposes. 
  • The right not to be subject to automated decision-making: You have the right to object to decisions based solely on automated processing, including profiling, which have a legal or similarly significant effect on you.

8. Changes to Our Privacy Policy

Any changes we may make to our privacy policy in the future will be posted on this page. We encourage you to check back frequently to see any updates or changes.

9. Contact and Complaints

If you have any questions about this privacy policy or our data handling practices, please contact us at:

Host Car Finance 

Innovation Centre Medway 

Maidstone Road, Chatham ME5 9FD 

Email: info@hostcarfinance.co.uk 

Phone: 0845 544 3071 

If you are not satisfied with our response or believe we are not processing your personal data in accordance with the law, you have the right to complain to the Information Commissioner’s Office (ICO). Their contact details are available on their website: https://ico.org.uk

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