Use of Your Data
We are CLS Finance Ltd (company number 5032892) and we are the data controller in respect of your personal data. This policy explains when and why we collect personal data, how this information is used, the conditions under which it may be disclosed to others, and how it is kept secure. If you have any queries about our handling of your personal data, we can be contacted by writing to us at Customer Services, Unit 2, Alexandra Street, Hyde SK14 1DX or by email to [email protected].
This policy explains how we will use the personal data that you provide to us when you apply for motor finance via an online application or via a broker, or that we have obtained about you through our use of your information when you make such an application and, where applicable, when you enter into a finance agreement with us.
Where this policy refers to "we", "our" or "us", unless it mentions otherwise, it's referring to CLS Finance Ltd. Where this policy refers to "you" it's referring to the person applying for motor finance.
What personal data we collect and how we collect it
The personal data you have provided to us: This is information about you that you provide during your online application or via your broker and information that you subsequently provide to us. This typically consists of the following categories of information:
- Email address
- Telephone number
- Date of birth
- Residential address and address history
- Contact details such as email address and telephone numbers
- Financial information
- Employment details
- Vehicle details
The personal data we may receive from other sources: We obtain certain personal data from credit reference and fraud prevention agencies. Please see "Use by credit reference and fraud prevention agencies" below for further information.
If the vehicle that you have under a hire purchase agreement with us is fitted with a location tracker, a third party collects data on the location of the vehicle once each day and we are given access to that data. We only process this data in limited circumstances for the purposes explained under ‘How we use your personal data”, below.
If you fail to provide us with any mandatory information that we request from you, we will not be able to proceed with the credit reference and fraud prevention checks described below and, subsequently, we will not enter into the agreement with you.
How we use your personal data
The purposes for which we use your data and the legal basis under data protection laws on which we rely to do this are as follows:
- Performance of the contract with you or to take
steps to enter into it. We may use personal data relating to you which we
acquire in connection with any application for motor finance, or any agreement
that you enter into with us, to manage, administer and take decisions
regarding your agreement(s) with us. This includes verifying your
identity, assessing your application and, if we enter into an agreement
with you, administering the agreement including tracing your whereabouts
to contact you and recover debt and to provide you with the service under
that agreement (i.e. managing your account, communicating with you,
providing updates on the status of your account, dealing with any
complaints and notifying you of any changes to this statement).
- Our Legitimate interests or
that of a third party. This includes:
- to assess and process your application to
provide you with services and products, and to assess lending risks;
- to administer and manage your relationship
between us including for customer service purposes and to administer the
- to ensure that the vehicle is being used in
accordance with your agreement with us and/or to protect our interest in
the vehicle, including in order for us to locate the vehicle to take
possession, (including by use of the location tracker, data from which
will only be used in circumstances in which we know, or suspect, acting
reasonably, that the vehicle is not being used in accordance with your
agreement with us or else our interest in the vehicle is in jeopardy);
- to protect the rights, property or safety of
our business including enforcing our agreements, carrying out financial
(including credit) risk assessments and for risk reporting and risk /
arrears management and to uniformly evaluate risk within our corporate
group (e.g. for the purpose of credit ratings);
- making decisions about you on credit and
other facilities we offer;
- preventing fraud and money laundering, and to
verify your identity, in order to protect our business and to comply with
laws that apply to us;
- to comply with a request from you in
connection with the exercise of your rights (for example where you have
asked us not to contact you for marketing purposes, we will keep a record
of this on our suppression lists in order to be able to comply with your
- carrying out statistical analysis to help
with decisions about credit and account management and about credit
- monitoring communications between us to
prevent and detect crime, to protect the security of our communications,
systems and procedures, and for quality control and training purposes;
- for marketing activities (other than where we
rely on your consent to contact you with information about our services
and products or share your details with third parties to do the same, as
- to develop, test, monitor and review the
performance of products, services, internal systems and security
- for assessing the quality of our service and
to provide staff training within the business.
- Compliance with a legal
obligation. This includes when you exercise your legal rights under data
protection law, to verify your identity, for the establishment and defence
of our legal rights, for activities relating to the prevention, detection
and investigation of crime, to conduct credit, fraud prevention and
anti-money laundering checks and for compliance with our legal and
regulatory responsibilities. It may also include processing special
categories of data about you, for example for our compliance with our
legal obligations relating to vulnerable people.
- Consent. When you enter into an
agreement with us, we may contact you via post, email and SMS with
information about similar products and services. Please see "Marketing
preferences" below for further information. You have the right to
withdraw your consent for us to use your information in this way at any
time. Please see "Withdrawing your consent" for further details.
Use by credit reference and fraud prevention agencies
In order to process
your application, we will perform credit and identity checks on you with one or
more credit reference agencies (CRAs). To do this, we will supply your personal
information to CRAs and they will give us information about you. This will
include information from your credit application and about your financial
situation and financial history. CRAs will supply to us both public (including
the electoral register) and shared credit, financial situation and financial
history information and fraud prevention information. When CRAs receive a
search from us they will place a search footprint on your credit file that may
be seen by other lenders.
We will use this
- assess your creditworthiness and whether you
can afford to take the product you have applied for;
- verify the accuracy of the data you have
provided to us;
- prevent criminal activity, fraud and money
- manage your account(s);
- trace and recover debts; and
- ensure any offers provided to you are appropriate
to your circumstances.
We will continue to
exchange information about you with CRAs while you have a relationship with us.
We will also inform the CRAs about your settled accounts. If you borrow and do
not repay in full and on time, CRAs will record the outstanding debt. This
information may be supplied to other organisations by CRAs.
If you are making a
joint application, or tell us that you have a spouse or financial associate, we
will link your records together, so you should make sure you discuss this with
them, and share with them this information, before making an application to us.
CRAs will also link your records together and these links will remain on your
and their files until such time as you or your partner successfully files for a
disassociation with the CRAs to break that link.
The identities of
the CRAs, their role also as fraud prevention agencies, the data they hold, the
ways in which they use and share personal information, data retention periods
and your data protection rights with the CRAs are explained in more detail at www.experian.co.uk/crain/index.html and/or www.transunion.co.uk/crain and/or www.equifax.co.uk/crain.html
Before we provide
services, goods or financing to you, we undertake checks for the purposes of
preventing fraud and money laundering, and to verify your identity (we may
undertake these checks through your broker). These checks require us to process
your information. If we, or a fraud prevention agency, determine that you pose
a fraud or money laundering risk, we may refuse to provide the services and
financing you have requested or we may stop providing existing services to you.
A record of any fraud or money laundering risk will be retained by the fraud
prevention agencies, and may result in others refusing to provide services,
financing or employment to you. If you have any questions about this, please
contact us using the details above.
As part of the
processing of your personal data, decisions may be made by automated means.
will be used to assess your credit risk using an automated decision-making
technique called "credit scoring". Various factors help us to assess
the risk; a score is given to each factor and a total credit score obtained,
which will be assessed against a confidential pre-set pass score.
In regard to fraud
prevention checks, we may automatically decide that you pose a fraud, credit or
money laundering risk if:
- Our processing reveals your behaviour to be
consistent with that of known fraudsters, money launderers, higher risk
borrowers; or is inconsistent with previous submissions; or
- You appear to have deliberately hidden your
true identity; or
- We conclude from the information and data we
have received, it would not be responsible for us to agree the finance you
Use by third parties
We disclose your
information to the following third parties:
- To other corporate entities within our
corporate group. We may pass on your details to any company within our
group in the ways set out in the "How we use your personal data"
section and for internal processes such as internal audits.
- Credit reference, fraud prevention agencies,
anti-money laundering agencies and/or counter-financial crime
organisations (as detailed above).
- HMRC, government authorities, regulatory or
law enforcement agencies if we are required by law to disclose it in
connection with the detection of crime, the collection of taxes or duties,
to enforce or apply the terms of our contracts, to protect the rights,
property or safety of our visitors and clients, in order to comply with any
applicable law or order of a court, or in connection with legal
- Your broker to assist us with administering
your application and your agreement with us.
- Third party debt/asset recovery agencies for
the purposes of recovering vehicles and/or monies owed to us.
- Any third party to whom we sell your debt. If
we do this, you will be notified and that third party will become the data
controller of your information.
- Third party service providers, agents and
sub-contractors acting on our behalf. This may also include providers of
data storage and database hosting services, IT hosting, IT software and
maintenance services, professional advisors, and third parties that
provide income verification services, affordability checks and
communication fulfilment services.
- Courts in the United Kingdom or abroad as
necessary to comply with a legal requirement, for the administration of
justice, to protect vital interests and to protect the security or
integrity of our business operations.
- Any third party who is restructuring, selling
or acquiring some or all of our business or assets or otherwise in the
event of a merger, re-organisation or similar event.
These third parties
may share your information with us, which we will use in accordance with this
policy. In some cases they will be acting as a controller of your information
When we use third
party service providers, we only disclose to them any personal data that is
necessary for them to provide their service.
Where we will store your data / data transfers to third parties
We store your
personal data on servers located within the European Economic Area (EEA). If at
any time we transfer your personal data to, or store it in, countries located
outside of the EEA (for example, if our hosting services provider changes) we
will ensure that appropriate safeguards are in place for that transfer and
storage as required by applicable law.
The third parties
listed under "Use by third parties" may be located outside of the EEA
or they may transfer your information outside of the EEA. Those countries may
not have the same standards of data protection and privacy laws as in the UK.
Whenever we transfer your information outside of the EEA, we impose contractual
obligations on the recipients of that information to protect your personal data
to the standard required in the UK. Any third parties transferring your
information outside of the EEA must also have in place appropriate safeguards as
required under data protection law.
prevention or credit reference agencies transfer your personal data outside of
the EEA, they impose contractual obligations on the recipients of that data to
protect your personal data to the standard required in the EEA. They may also
require the recipient to subscribe to ‘international frameworks’ intended to
enable secure data sharing.
Retention of your personal data
If we collect your
personal data, the length of time we retain it is determined by a number of
factors including the purpose for which we use that information and our
obligations under other laws. We do not retain personal information in an
identifiable format for longer than is necessary.
If you apply for
finance we will retain your data for 6 years or as long as necessary to deal
with any queries you may have.
If your application
is accepted and you proceed, we hold your information for 6 years from the date
at which your agreement is closed, where settled by you or upon default or as
long as necessary thereafter to deal with any queries you may have.
agencies can hold your data for different periods of time, and if you are
considered to pose a fraud or money laundering risk, your data can be held for
up to 6 years. Credit reference agencies will retain the account information
that we give to them for 6 years after your account is closed. Please see
"Use by credit reference and fraud prevention agencies" for more
information about the information that we give to them.
When you take title to the
vehicle, or we re-take possession of the vehicle, we will delete any location
data then in our possession.
We may hold your
information for a longer or shorter period from that described above where:
- the law requires us to hold your personal
information for a longer period, or delete it sooner;
- we need your personal information to
establish, bring or defend legal claims;
- you exercise your right to have the
information erased (where it applies) and we do not need to hold it in
connection with any of the reasons permitted or required under the law;
- in limited cases, the law permits us to keep
your personal information indefinitely provided we put certain protections
Opt out of
marketing for our own similar products and services
We may contact you about
contract renewals and/or with details of similar products and services we
provide which we feel may be of interest to you. If you would prefer not
to receive this information through any of the communication methods below
please advise us by email to [email protected] or by telephone 0161 379 0300.
You have a number
of rights in relation to your personal data under data protection law. In
relation to certain rights, we may ask you for information to confirm your identity
and, where applicable, to help us to search for your personal data. Except in
rare cases, we will respond to you within one month after we have received this
information or, where this is not required, after we have received your
- To be informed about the
processing of your information. This is what this privacy notice sets
out to do.
- Object to our processing of
your personal data and automated decisions made about you. Where we rely on our
legitimate business interests as the legal basis for processing your
personal data for any purposes, as set out under "How we use your
personal information", you may object to us using your personal data
for these purposes by emailing or writing to us at the address above.
Except for the purposes for which we are sure we can continue to process
your personal data, we will temporarily stop processing your personal data
in line with your objection until we have investigated the matter. If we
agree that your objection is justified in accordance with your rights
under data protection laws, we will permanently stop using your data for
those purposes. Otherwise we will provide you with our justification as to
why we need to continue using your data. You may object to us using your
personal data for direct marketing purposes and we will automatically
comply with your request. If you would like to do so, please contact us
using the details above or email [email protected]. You may also contest a
decision made about you based on automated processing by emailing or
writing to us at the address above.
- Request that your personal
data is erased or restricting its processing.In certain circumstances, you
may ask for your personal data to be removed from our systems by emailing
or writing to us at the address above. Provided we do not have any
continuing lawful reason to continue processing or holding your personal
data, we will make reasonable efforts to comply with your request. You may
also ask us to restrict processing your personal data where you believe it
is unlawful for us to do so, you have objected to its use and our
investigation is pending or you require us to keep it in connection with
legal proceedings. We may only process your personal data whilst its
processing is restricted if we have your consent or are legally permitted
to do so, for example for storage purposes, to protect the rights of
another individual or company or in connection with legal proceedings.
- Withdrawing your consent. Where we rely on your
consent as the legal basis for processing your personal data, as set out
under "How we use your personal data", you may withdraw your
consent at any time by contacting us using the details above. If you
withdraw your consent, our use of your personal data before you withdraw
is still lawful. If you would prefer not to be contacted with marketing
information you may opt out by writing to us at the above address or email
- Correcting and updating your
personal data. The
accuracy of your information is important to us and we are working on ways
to make it easier for you to review and correct the information that we
hold about you. In the meantime, if you change your name or address/email
address, or you discover that any of the other information we hold is
inaccurate or out of date, please let us know by contacting us on the
details provided above.
- Request access to your
personal data. You
have the right to ask for a copy of the information that we hold about you
by emailing or writing to us at the address above. We may not provide you
with a copy of your personal data if this concerns other individuals or we
have another lawful reason to withhold that information.
- Transferring your personal data
in a structured data file. Where we rely on your consent as the
legal basis for processing your personal data or need to process it in
connection with a contract with have with you, you may ask us to provide
you with a copy of that information in a structured data file. We will
provide this to you electronically in a structured, commonly used and
machine readable form, such as a CSV file. You can ask us to send your
personal data directly to another service provider, and we will do so if
this is technically possible. We may not provide you with a copy of your
personal data if this concerns other individuals or we have another lawful
reason to withhold that information.
information or to exercise your data protection rights, please contact us using
the contact details above.
If you have concerns
about the way we have handled your personal data, we encourage you to contact
us and we will seek to resolve any issues or concerns you may have. Please
refer to our complaints policy at https://www.clsfinance.co.uk.You will also find our contact details above. You have the right to
complain to the Information Commissioner's Office (ICO) if you are concerned
about the way we have processed your personal data. Please visit https://ico.org.uk/ for further
Changes to this policy
We may review this
policy from time to time and any changes will be notified to you in writing.
Any changes will take effect 7 days after the date of our notification. If you
do not agree with any aspect of the updated policy you must immediately notify
us and cease using our services.