Privacy Policy

Fair Processing Notice for Customers and Suppliers

About this Fair Processing Notice

At Cars Royale, your privacy matters to us. This notice explains in detail how we handle your personal data, ensuring transparency and compliance with UK data protection laws. It covers:

1. Who we are
2. Who our Data Protection Officer is and how you can contact them
3. What kinds of personal data we collect and hold about you and where we get it from
4. Why we collect your personal data and what we use it for
5. The legal basis upon which we collect, process, and store your personal data
6. Where your personal data is stored and processed
7. Who we share your personal data with, what personal data we share, and why we do so
8. How long we will store your personal data
9. Your rights regarding your personal data, including:
   a. Your right to access your personal data
   b. Your right to rectify your personal data
   c. Your right to erase your personal data (right to be forgotten)
   d. Your right to restrict processing of your personal data
   e. Your right to object to the processing of your personal data
   f. Your right to data portability
   g. Your right not to be subject to automated decision-making and profiling
   h. Your right to complain to The Information Commissioner
10. Important information for children
11. Fraud prevention agencies

1. Who We Are

We are Cars Royale Limited, a finance broker registered in England and Wales. Our registered SIC codes are:

• 45111 - Sale of new cars and light motor vehicles
• 45112 - Sale of used cars and light motor vehicles

Our registered office is located at Studio 123 Trident Court 1 Oakcroft Road, Chessington, England, KT9 1BD. Cars Royale Limited is an Appointed Representative of GKL Bodyworks Ltd, which is Authorised and Regulated by the Financial Conduct Authority.

Cars Royale Limited is a credit broker, not a lender. We work with a panel of lenders and vehicle finance providers to assist customers in securing car financing.

We are the data controller for any information that you provide to us and any information we receive about you from third parties.

2. Our Data Protection Officer and How to Contact Them

You can contact our Data Protection Officer in one of the following ways:

• By writing to: Data Protection Officer, Cars Royale Limited, Studio 123 Trident Court 1 Oakcroft Road, Chessington, England, KT9 1BD
• By email: info@carsroyale.com

3. What Personal Data We Collect and Where We Get It From

We collect and process various types of personal data, depending on your interactions with us. This includes:

a. Car Finance Customers

We collect personal data when:

• You apply for or enter into a car finance agreement, such as a hire purchase or lease arrangement, either individually or jointly.
• You provide documents and information for the financing process, such as:
  • Name, address, and contact details
  • Employment and income details
  • Vehicle details and financing requirements
  • Copy of your driver’s licence or passport
  • Bank statements or proof of income (if required by lenders)

We may also obtain information from third parties, including credit reference agencies, fraud prevention agencies, and publicly available sources such as Companies House.

4. Why We Collect Your Personal Data and What We Use It For

We collect and process your personal data:

• To facilitate car financing, including searching for appropriate lenders, managing your application, and handling agreements.
• To fulfil legal and regulatory obligations, such as identity verification and fraud prevention.
• To offer you relevant products and services that may suit your needs.
• To maintain and improve our services and ensure compliance with industry standards.

5. Legal Basis for Processing Your Data

Under UK data protection law, we process your data based on:

• Legitimate Interest – To operate as a responsible vehicle finance broker.
• Contractual Obligation – When you enter into a finance agreement.
• Legal Compliance – To meet our regulatory duties under FCA rules.
• Consent – For marketing communications (if you opt in).

6. Where Your Personal Data is Stored and Processed

Your data is stored in the UK. In certain cases, we may need to share data internationally, but we ensure appropriate safeguards are in place.

7. Who We Share Your Data With

We do not sell your data. However, we may share your data with:

• Lenders and Car Finance Providers – To arrange financing options for you.
• Credit Reference Agencies – For affordability checks.
• Fraud Prevention Agencies – To ensure compliance with anti-fraud regulations.
• Regulators (e.g. FCA) – To meet legal and regulatory requirements.
• Third-Party Service Providers – Such as IT security, marketing, or survey companies (where consent is given).

8. Data Retention – How Long We Keep Your Data

We retain your data for the period necessary to fulfil legal and contractual obligations. This may vary depending on regulations (typically up to 6 years after the agreement ends).

9. Your Rights Regarding Your Data

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

• Right to Access: You have the right to request a copy of the personal data we hold about you. We will provide this information within one month of receiving your request, unless the request is complex, in which case we may take up to two additional months.

• Right to Rectification: If any of the data we hold about you is incorrect or incomplete, you have the right to request corrections. We will update your records promptly and notify relevant third parties if necessary.

• Right to Erasure (Right to be Forgotten): You may request the deletion of your personal data under certain circumstances, such as when it is no longer needed for the purposes for which it was collected or if you withdraw your consent (where applicable). However, we may need to retain some information to comply with legal obligations or regulatory requirements.

• Right to Restrict Processing: If you contest the accuracy of your personal data, object to its processing, or require it for legal claims, you can request that we limit how we process it. In such cases, we will only store your data but not process it further unless necessary for legal reasons.

• Right to Object: You have the right to object to the processing of your personal data if we are processing it based on legitimate interests or for direct marketing purposes. If you object to direct marketing, we will stop processing your data for this purpose immediately.

• Right to Data Portability: If you have provided your personal data to us and it is processed based on consent or a contract, you have the right to request it in a structured, commonly used, and machine-readable format. Where feasible, we can also transfer this data directly to another controller upon request.

• Right Not to Be Subject to Automated Decision-Making and Profiling: You have the right to request that decisions affecting you are not made solely by automated means. If we use automated systems for decision-making, we will provide details and allow you to request human intervention.

• Right to Lodge a Complaint: If you have concerns about how we handle your data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO). Their contact details are:

  • Phone: 0303 123 1113
  • Website: www.ico.org.uk

To exercise any of these rights, please contact our Data Protection Officer at [Insert Contact Details]. We will respond to all valid requests within one month, or within an extended period if necessary due to complexity.

10. Fraud Prevention and Automated Decisions

We conduct fraud and financial crime checks using credit reference and fraud prevention agencies. If fraud is detected, it may impact your ability to obtain financing. Some decisions may be automated, but you have the right to request manual review.

11. Complaints and Contacting the ICO

If you have concerns about how we process your data, you can contact the Information Commissioner’s Office (ICO):

• Phone: 0303 123 1113
• Website: www.ico.org.uk

This Fair Processing Notice ensures that Cars Royale operates transparently and complies with data protection regulations in providing car finance solutions. If you have any questions, please contact us.

Cars Royale Limited
FCA Number: 991403
SIC Codes: 45111, 45112