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LVC Limited Privacy Policy

Data privacy notice

The following data privacy notice explains the circumstances in which LVC Limited will collect personal data from you, why it is being collected, how we will use it and to whom we might disclose it if necessary.

The data controller

LVC Limited is committed to complying with the UK’s Data Protection law and the EU General Data Protection Regulation (GDPR) for the protection of personal data, as well as the principles of data security in the configuration of our services. If you have any questions about this privacy notice or how we use your personal data, please contact us.

By post:

LVC Limited
4 Mint House
30 Friern Park
London N12 9DA

By phone: 020 8446 4334.

What data is being collected and processed?

In order to enter into a brokerage agreement with LVC Ltd, we will collect, store and use elements of your personal data. The processing of this personal data is a contractual requirement and is necessary by LVC Ltd in order to administer your account and to provide the products and services you have requested from us.

When you approach LVC Limited to engage in our brokerage services, we will ask your consent to collect and process your personal data. Failure to provide this consent and/or personal data may mean we will be unable to execute the contract and will result in termination of our services.

When engaging in LVC Limited brokerage services, you will usually need to disclose to us the following:

  • Title
  • First name(s), surname or company name
  • Address (street, street number, postal code, city and country/region)
  • Email address
  • Date of birth
  • Telephone and mobile number
  • Employment details (employer name, employer address, employment history)
  • Monthly income and expenditure
  • Bank details (account number, account holder and card number)
  • VAT number (as applicable).

How long will the data be stored for?

Where possible, LVC Ltd will take steps to erase any personal data that is no longer necessary for the purposes for which it is collected or otherwise processed, or if you have withdrawn consent for its processing and retention.

As a general rule, if you enter into or took steps to enter into a contract with LVC Ltd, we will store the data for a period of six years for compliance with our general legal obligations and for the exercise or defence of any legal claims.

Under the GDPR, you have the right to ‘block’ or request the deletion or removal of personal data to prevent further processing. This right to erasure is also known as ‘the right to be forgotten’. Specific circumstances in which you can request the deletion or removal of personal data includes:

  • Where the personal data is no longer necessary for the purposes for which it is collected or otherwise processed
  • Where you withdraw consent
  • When you object to the processing and there is no overriding legitimate interest for continuing the processing
  • Where the personal data was unlawfully processed (ie otherwise in breach of the GDPR)
  • Where the personal data has to be erased in order to comply with a legal obligation
  • In case a deletion is not possible due to legal, statutory or contractual retention periods, or if it requires disproportionate efforts or prejudices your legitimate interests, the data will be blocked instead of deleted.

Sharing of data with other data controllers

LVC Ltd take your privacy seriously and the information we hold about you is confidential. We will only disclose it outside LVC Ltd when:

  • You have given us your consent to do so
  • It is necessary for the performance of an agreement of which you will be made aware
  • In order to obtain professional advice (eg legal advice)
  • We or others need to investigate or prevent crime (eg to fraud prevention agencies)
  • The law permits or requires it
  • Regulatory or governmental body requests or requires it, even without your consent, or
  • There is a duty to the public to reveal the information.

In order to administer your contract, we may need to share some of your personal information with other data controllers. This processing is necessary for the purposes of delivering specific services to you. You agree that we can share or use your personal data with any of our appointed agents or suppliers to allow us to provide you services and products you have asked us to provide you under this agreement, such as to facilitate delivery of your vehicle, to collect the vehicle from you or notify you of a vehicle safety recall. Other data controllers which we may share this information with may include:

  • Credit reference agencies (to propose you for vehicle finance)
  • The finance provider (to generate the finance agreement)
  • The supplying dealer group (to order and deliver the vehicle)
  • Claims handling and fraud prevention agencies (to investigate or prevent crime).

Credit reference agencies

In considering your application, we will search your record at credit reference agencies. They will add to your record details of our search and your application and this will be seen by other organisations that make similar searches.

Information held about you by the credit reference agencies may already be linked to records relating to other people with whom you have a financial association. In connection with your application you may be treated as financially linked with them and assessed with reference to any such associated records. Searches may also be made in respect of directors and partners of businesses applying for credit.

If you are a joint applicant or if you have told us of some other financial association with another person, or a director of a firm which is applying for a facility you are declaring that you are entitled to:

  • Disclose information about your joint applicant, fellow directors and anyone else referred to by you
  • Authorise us to search, link or record information at credit reference agencies about you and anyone else referred to by you.

Fraud prevention

If you give us false or inaccurate information and fraud (in any form) is identified, details will be passed to the fraud prevention agencies. We and other organisations may also share, access and use this information to prevent fraud and money laundering, for example when:

  • Checking details on applications for credit and credit related or other facilities
  • Managing credit and credit related accounts or facilities.

In addition, law enforcement agencies may access and use this information.

Protecting your privacy

In order to protect the personal data collected from you by LVC Ltd against accidental or deliberate manipulation, loss, destruction or the access of unauthorized persons, technical and organizational security measures are constantly improved as part of our technological development. In addition, our employees, subcontractors and other support staff are obligated to observe confidentiality and data privacy.

You must not use the services and/or network systems or any part thereof for fraudulent activities, or to breach another organisation’s security (cross-network hacking). This is an illegal act and prosecution under criminal law may result. You must not use any computers, computer equipment, network resources or any services provided by us for any illegal purpose, or for accessing, receiving or transmitting any material deemed illegal, indecent, offensive or otherwise unacceptable under UK law.

We will monitor network traffic from time to time for the purposes of backup and problem solving and in order to ensure that you are not misusing any of the services provided to you.

Breaches

If at any time we become aware that your data has been compromised, or that a breach of our systems and controls has occurred, which has an impact on the security of your data, we will notify the Information Commissioner’s Office, and you, without undue delay.

Subject access requests

You have the right to request access to a copy of the personal information that we hold about you. This is also known as a ‘Subject Access Request’. This information is provided to you free of charge.

If you would like to submit a Subject Access Request, please contact us in writing. We will respond to your request without delay and at the latest, within one month of receipt of your request.

Rectifying or updating personal data

If you believe the personal data we hold about you is inaccurate or incomplete, you have the right to rectification. Where possible, we will also inform any third parties to whom we have disclosed the personal data in question so they can rectify their records.

We will typically respond to your request within one month, although this can be extended by two months if your request for rectification is complex, such as a Novation or Transfer of Lease.

Withdrawing consent

You have the right to withdraw your consent for us to collect, process and store your data at any time. If you wish to withdraw your consent, please confirm this is writing to:

LVC Limited
4 Mint House
30 Friern Park
London N12 9DA.

Please note, by withdrawing consent, LVC Ltd may be unable to execute the contract that you have entered into with us and will result in termination of our services. The withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal.

Right to complain

If you have a complaint about any aspect of data protection or if you feel your privacy has been breached by us, we would like to hear from you.

If you are unhappy with the final response you have received from LVC Ltd you have the right to complain to the supervisory authority, the Information Commissioner’s Office (ICO) within three months of your last meaningful contact with us. You can call the ICO on 0303 123 1113 or by visiting their website: https://ico.org.uk/.

The LVC Limited ICO Reference Number is ZA079412.

Version 06/2019. Next review 06/2020.