Privacy Notice
This Privacy Notice explains how Auto Finance Online Ltd collects, uses, and protects your personal data. It also explains your rights and how you can contact us.
We are authorised and regulated by the Financial Conduct Authority as a credit broker not a lender. FRN 832181
Who We Are
Auto Finance Online Ltd is responsible for deciding how your personal data is used. This means we are a data controller under data protection law.
The Data We Collect
We collect personal data that is necessary to provide our services and meet our legal and regulatory obligations.
This may include your name, contact details, financial information, identification data, and information about your interactions with us.
In some cases, we may process more sensitive information where this is necessary and lawful, for example where required to support an application or meet regulatory requirements.
We may collect your data directly from you, or from third parties such as credit reference agencies, lenders, or publicly available sources.
How We Use Your Data
We use your personal data to provide our services, assess eligibility for products, manage our relationship with you, and comply with legal and regulatory requirements.
This includes processing your information as part of a credit application, sharing data with lenders, and supporting ongoing account management where relevant.
We may also use your information to improve our services and, where permitted, to communicate with you about relevant products or services.
Our Legal Basis for Using Your Data
We only use your personal data where we have a valid legal basis to do so.
This may include:
- Where it is necessary to perform a contract with you
- Where we are required to comply with a legal or regulatory obligation
- Where it is in our legitimate interests to do so, provided your rights are not overridden
- Where you have provided consent, where this is required
Who We Share Your Data With
We may share your personal data with third parties where necessary.
This may include lenders, credit reference agencies, service providers and regulators.
We ensure that any third parties we share data with are subject to appropriate confidentiality and data protection obligations.
How Long We Keep Your Data
We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, including to meet legal, regulatory, and reporting requirements.
Retention periods may vary depending on the type of data and the purpose for which it is used.
Your Rights
You have a number of rights under data protection law. These include the right to request access to the personal data we hold about you and to request that inaccurate or incomplete data is corrected.
You may also have the right to request that your data is deleted, or that its use is restricted in certain circumstances. You can object to the use of your data where it is processed on the basis of legitimate interests, and you may have the right to request that your data is transferred to another provider.
Where we rely on your consent to process your data, you have the right to withdraw that consent at any time.
If you are not satisfied with how your data has been handled, you have the right to raise a complaint with the Information Commissioner’s Office (ICO).
Automated Decision Making
In some cases, your personal data may be used to make automated decisions, for example when assessing eligibility for certain products.
Where this applies, you have the right to request human intervention, to express your view, and to challenge the decision.
How We Protect Your Data
We take appropriate technical and organisational measures to protect your personal data from unauthorised access, loss, misuse, or disclosure.
Contact Us
If you have any questions about this Privacy Notice or how your data is used, you can contact us at:
Updates to This Notice
We may update this Privacy Notice from time to time to reflect changes in our services, legal requirements, or how we use personal data.
