Privacy Policy

Scott Hardy Ltd, trading as MotoFinance, is dedicated to safeguarding and protecting your privacy. We are registered with the UK Information Commissioner's Office (ICO) as a data controller under registration number ZA773591.

This policy, in conjunction with our Terms of Use and other referenced documents, outlines how we process any personal data that we collect from you or that you provide to us. We encourage you to read this carefully to understand our perspectives and practices concerning your personal data and how it will be handled.

For the purposes of the GDPR Act 2018, the data controller is Scott Hardy Ltd, located at 4A Mottram Way, Macclesfield, Cheshire, SK10 2DH.

Information We Collect
We collect and process the following types of information about you:

1. Data You Provide: This includes information you submit by filling out forms on our website (https://www.motofinance.co.uk) or through communication via phone, email, or other means. It encompasses data provided during registration, service subscriptions, product searches, orders, participation in discussions, contests, promotions, surveys, and issue reporting. The data may include your name, address, email, phone number, financial and bank details, personal descriptions, photographs, date of birth, employment information, and address history.
2. Data We Collect Automatically: Each time you visit our site, we automatically gather the following information:
   - Technical data such as your IP address, login credentials, browser type and version, time zone, browser plug-in types and versions, operating system, and platform.
   - Visit-related data, including full URLs, clickstream paths to and from our site, date and time of access, viewed or searched products, response times, download errors, duration of visits, page interaction data (scrolling, clicks, mouse-overs), navigation methods away from pages, and any phone numbers used to reach our customer service.
3. Data from Other Sources: We may obtain information about you from our other websites or services. If we plan to share this data internally or combine it with data collected on this site, we will inform you at the time of collection about the purpose of sharing. We collaborate with third parties such as business partners, technical subcontractors, payment and delivery services, advertising networks, analytics providers, search information providers, and credit reference agencies. We will notify you when we receive information about you from these sources and explain how we intend to use it.

Purpose of Data Processing and Legal Basis
We utilise the information collected from you to provide our services and to ensure lawful processing of the data.

In compliance with applicable laws, we may monitor and record calls, emails, text messages, social media communications, and other interactions, particularly calls related to your application or loan.

The purposes for processing your personal data include:
- Delivering our services.
- Corresponding with you as required.
- Conducting identity and fraud prevention checks.
- Facilitating credit rating assessments.
- Ensuring communication between you and the Lender.
- Complying with legal obligations.
- Updating you on your application status.

The legal bases for processing your personal data are:
- Necessary for fulfilling a contract between you and the Lender or taking steps at your request before entering into the contract.
- Necessary for compliance with legal obligations, including anti-money laundering, counter-terrorism financing, and fraud prevention.
- Necessary for our legitimate interests in marketing our products and services, preventing identity fraud, and conducting business responsibly. We will not process your data for these purposes if they are overridden by your interests, rights, and freedoms.

For the collection, processing, and transfer of special categories of your data, the legal basis is your explicit consent.

Special Categories of Data and Consent: There may be instances where we can only process certain data if we have your consent. For example, if you provide sensitive data such as health information or criminal records. We will only process such data with your permission, unless it’s essential to protect your vital interests or permitted by law. You can request us to stop processing this data at any time.

Cookies
Our website utilises cookies to differentiate you from other users. This aids in enhancing your experience on our site and enables us to make improvements. For more detailed information about our cookies and their purposes, please refer to our Cookie Policy.

How We Use Your Information
We may use the information we hold about you in the following ways:

1. Data You Provide: We will use this information to:
   - Fulfill our contractual obligations and provide requested information, products, and services.
   - Inform you about other similar goods and services we offer.
   - Notify you about new products or services that may interest you, with your consent for electronic communications (email or SMS). You may withdraw your consent anytime by contacting us at 4A Mottram Way, Macclesfield, Cheshire, SK10 2DH or at dataprotection@motofinance.co.uk
   - Update you on changes to our services.
   - Ensure our site content is effectively presented to you and your device.
2. Data We Collect Automatically: We will use this information to:
   - Administer our site and conduct internal operations, including troubleshooting, data analysis, testing, research, statistical analysis, and surveys.
   - Enhance our site’s performance for better user experience.
   - Enable your participation in interactive features of our service.
   - Maintain site security.
   - Assess the effectiveness of our advertising and tailor relevant ads for you.
   - Suggest products or services that may interest you or other users.
3. Data from Other Sources: We will combine this information with what you provide and what we collect to fulfill the purposes outlined above, depending on the types of information received.

Disclosure of Your Information
We may share your personal information with:

1. Members of our corporate group, including subsidiaries and parent companies as defined in section 1159 of the UK Companies Act 2006.
2. Selected third parties, including:
   - Business partners, suppliers, and subcontractors necessary for executing contracts with you.
   - Analytics and advertising partners such as Google, Facebook, Instagram, LinkedIn, Microsoft Bing, and TikTok to enhance our site.
   - Credit reference agencies for assessing your credit score when required.
3. We may disclose your personal information to third parties in the following situations:
   - If we sell or acquire any business or assets, your data may be shared with prospective sellers or buyers.
   - If MotoFinance or its substantial assets are acquired by a third party, your data may be part of the transferred assets.
   - If we must disclose or share your personal data to meet legal obligations, enforce our Terms of Use, protect rights, property, or safety of Motofinance, our customers, or others, which may involve exchanging information with other organizations for fraud protection and credit risk reduction.

We will not share your personal information with third parties for their marketing purposes without your consent.

Data Storage
All information you provide is stored on our secure servers. Payment transactions are encrypted using SSL technology. If you have chosen or been given a password for accessing certain parts of our site, you are responsible for maintaining its confidentiality and should not share it.

The data we collect may be transferred to and stored at a location outside the European Economic Area (EEA) by one of our suppliers. It may also be processed by staff outside the EEA working for one of our suppliers. This includes tasks such as fulfilling orders, processing payments, and providing support services. By submitting your data, you consent to this transfer, storage, or processing. MotoFinance will take all reasonable measures to ensure your data is handled securely and in accordance with this privacy policy.

While we strive to protect your personal data, please be aware that transmitting information via the internet is not entirely secure. We cannot guarantee the security of data transmitted to our site; any transmission is at your own risk. Once we receive your information, we will implement strict procedures and security measures to prevent unauthorized access.

Data Retention
Unless legally required to retain your personal data longer (e.g., for fraud prevention or tax evasion), we do not hold personal data longer than necessary for the purposes it was originally collected. Typically, this retention period is seven years for vehicle purchases or finance obtained through us, or three months if not. If you have not opted out of receiving information about similar goods and services, or if you have given consent for marketing purposes and not withdrawn it, we will keep your data for those purposes.

We regularly review the personal data we hold and remove anything that is no longer needed. Data that must be retained but does not require frequent access is securely archived or stored offline.

Your Rights
You have the right to request that we do not process your personal data for marketing purposes. We will seek your consent before collecting data for these purposes or sharing your information with third parties. You can prevent such processing by not checking certain boxes on the forms we use to collect your data. You also have the right to correct inaccurate or incomplete data and, in some instances, to have your data deleted from our systems.

If you have provided personal data to us and our processing is conducted through automated means based on your consent or a contract, you may request that we provide your data in a structured, commonly used, and machine-readable format or, if technically feasible, transmit it directly to another organization.

Unless necessary for a contract, authorised by law, or explicitly consented to by you, you can request not to be subjected to decisions producing significant effects based solely on automated processing.

You can exercise any of the above rights by contacting us at 4A Mottram Way, Macclesfield, Cheshire, SK10 2DH or at dataprotection@motofinance.co.uk.

Our site may contain links to third-party websites, including partner networks, advertisers, and affiliates. If you click on these links, please note that those sites have their own privacy policies, and we are not responsible for their content. We recommend reviewing these policies before submitting any personal information.

Access to Your Information
You have the right to access personal information we hold about you, in accordance with the Act. We will not charge you for this unless your request is unfounded or excessive, particularly if it is repetitive, in which case we may impose a reasonable fee based on the administrative costs of providing the information. We may also charge a reasonable fee for fulfilling multiple requests for the same information.

Changes to This Privacy Policy
We may update our privacy policy in the future, with changes posted on this page and, where appropriate, notified to you via email. Please check back regularly for any updates.

Contact Us
For questions, comments, or requests regarding this privacy policy, please reach out to us at 4A Mottram Way, Macclesfield, Cheshire, SK10 2DH or at dataprotection@motofinance.co.uk

Complaints
If you have concerns about our handling of your personal data, please contact us at 4A Mottram Way, Macclesfield, Cheshire, SK10 2DH or at dataprotection@motofinance.co.uk. We will make every effort to resolve your issues. If you remain dissatisfied, you may contact the Information Commissioner’s Office at Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF, by phone at 0303 123 1113 or 01625 545745, by fax at 01625 524510, or through their online contact form at https://ico.org.uk/global/contact-us/email/ or the complaints form at https://ico.org.uk/concerns/handling/.