This document is provided to give you information about us and details of how we handle your personal information.
DSG Financial Services Ltd is the data controller for the purposes of the use of the personal information you provide to us. Further information about how we use your personal information can be sought from our Data Protection Officer.
DSG Financial Services Ltd, Unity House, Bird Hall Lane, Hercules Park, Stockport, Cheshire, SK3 0UX – Tel: 0161 406 3950
DSG Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.
Our Financial Conduct Authority firm reference number is 649675
We are a company registered in England and Wales and our company registration number is 2313903
We are a credit broker and not a lender.
How and why we use your personal information
We only process personal data when we have a legal basis for the processing.
We will process the personal information you provide us when we have your consent to do so. In addition to this, we may also process your personal data based on our legitimate interests in doing so. This means that we will use your personal information in the manner you would expect us to with regard to arranging motor finance for you.
We will use the personal information you provide us with to progress your application for motor finance. This includes using your information such as your name, address and date of birth to check your credit profile, which allows us to forward your application for motor finance to a suitable finance provider. We will carry out credit reference agency searches to find the most appropriate finance for your circumstances. We may also, where relevant information is available, consider any financial associates (this means people linked to you, typically following a joint finance application, for example a mortgage application) credit information in assessing your application. Whilst we will restrict searches of this nature to as few as possible, there will be occasions where multiple searches are required.
We will share the personal information you provide to us with other organisations involved in your motor finance application, or the supply of a vehicle in relation to your motor finance application.
In addition to the third parties listed below, we, or any of the finance lenders that we may introduce you to, may ask for your permission to view your income and expenditure via your banking information. This will only ever take place where you give express consent to do so, and for the purpose of ensuring that you are only offered credit products that you can afford.
Where we have permission to do so, we may provide you with marketing material in relation to products and services we may offer, where we do provide this information we will always give you an easy method to stop receiving it in future.
Where we have permissions to do so, we may share your information to a third party in order to provide advertising services. For these services additional information may be obtained from support.google.com/adspolicy/ and an opt-out method is provided by support.google.com/ads/
We do not require your personal data to be provided to us further to any direct contractual requirement with us, however, if you do not consent to us processing it this will mean that we will not be able to progress your finance application. We, at times, source personal data from third party lead generators. We will only ever use such third parties where they have been provided with consent to provide us with your personal data.
We, along with the other organisations we may share your personal information with, will keep records of your finance application and documents you provide to us, in addition to recordings of telephone conversations we and those other organisations may have with you.
We, or they, may contact you by post, telephone, SMS or email to let you know of products, services and special offers that may be of interest to you or we may ask you to participate in one of our customer satisfaction surveys.
Categories of personal data
We will not generally process any special categories of personal data, that is, information that is sensitive, such as:
- Race;
- Ethnic origin;
- Politics;
- Religion;
- Genetics
In limited circumstances, and only with your consent, we may process information about your health. We will only ever do so where you disclose any health issues you may have to us and by using that information we can help with ensuring your finance application is progressed properly.
All phone calls made and received by us which are recorded and as such, upon provision of your consent, we will process biometric data.
Who will we pass your personal data to
We will only pass your personal data to third parties which need it in order to progress your application for finance. This means we will pass your personal data to credit reference agencies and to finance lenders.
The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected or suspected, we will record this and may also pass on information to fraud prevention agencies and other organisations involved in crime prevention. This may result in you being refused certain services, finance or employment. For details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, please contact us.
Who we may provide your personal data to
We will only ever provide third parties with your personal information where we need to do so to progress your application or, in relation to third party insurance providers, where we have your consent.
As such, we may provide it to any of the third parties we work with listed below (further details of how your personal information is used by each of the third parties listed can be found by contacting us. Where available, we have included a link/web address for each respective privacy notice, detailing how that third party will use your personal information) and a copy of a full list of all third-party providers can be provided upon request;
(provided via Unity Auto Finance Ltd – https://unityauto.finance/privacy) Equifax Ltd – https://equifax.co.uk/About-us/Privacy_policy
Experian Ltd – https://www.experian.co.uk/legal/privacy-statement
TransUnion Information Group Limited – www.transunion.co.uk/crain Fraud prevention Cifas – https://www.cifas.org.uk/fpn
National Hunter Limited – www.nhunter.co.uk
Sira – https://www.synectics-solutions.com/privacy
Legate Group – Privacy Policy – Legate Group
Hunter Tracing Services Ltd – Hunter Tracing – Tracing Services Legal Your information may be passed to legal firms when we are required to do so for legal or regulatory purposes or as part of legal proceedings.
A list of active legal firms we use can be provided upon request. Finance lenders Admiral Financial Services Limited – Privacy and Security Policy – Admiral
Advantage Finance Ltd – Use of your data | Advantage Finance
Aldermore Bank Plc – https://www.aldermore.co.uk/legal/privacy-policy/
Arkle Finance Ltd – https://www.arklefinance.co.uk/privacy-policy
Autolend – Privacy Policy | Autolend
AutoMoney Trust Limited – Privacy policy | AutoMoney Trust
Ayan Capital Ltd – Ayan | Privacy Policy
Billing Finance Ltd – https://billingfinance.co.uk/privacy-policy/
Blue Motor Finance Ltd – https://bluemotorfinance.co.uk/PrivacyPolicy
BMW Financial Services (GB) Ltd – https://www.alphera.co.uk/privacy-policy
BNP Paribas – https://www.bnpparibas-pf.co.uk/data-protection-notice/
CA Auto Finance UK LTD – Privacy policy – CA Auto Finance United Kingdom (ca-autofinance.co.uk)
Cambridge & Counties Bank – Privacy Notice – Cambridge & Counties Bank
Close Brothers Ltd – https://www.closebrothers.com/cookies-privacy
Haydock Finance Ltd – https://haydockfinance.co.uk/privacy-policy
JBR Capital Ltd – https://jbrcapital.com/customer-policies/privacy-policy/
Liberty Leasing Ltd – https://www.libertyleasing.co.uk/privacy/
Marsh Finance Ltd – https://marshfinance.com/privacy-policy/
Marshmallow Credit Services Limited – Marshmallow – Car Insurance for UK Newcomers
Metro Bank PLC – Privacy and Legal (metrobankonline.co.uk)
MI Vehicle Finance Ltd – https://mannisland.co.uk/mivf-data-protection/
Moneybarn Ltd – https://www.moneybarn.com/privacy-policy/
Moneyway – Privacy Statement | Moneyway
MotoNovo Finance – Privacy & cookies policy (motonovofinance.com)
Nestra Lending Limited – Market Harborough Building Society Privacy Policy
Northridge Finance Ltd – https://www.northridgefinance.com/privacy-policy/
Novuna Vehicle Solutions – https://www.novuna.co.uk/privacy-policy/
Oodle Car Finance Ltd – Privacy Notice | Oodle Car Finance
Paragon Bank Plc – https://www.paragonbankinggroup.co.uk/privacy
Renaissance Asset Finance – https://renaissanceaf.com/wp-content/uploads/2020/10/PrivacyNotice.pdf
Santander Consumer Finance – https://www.santanderconsumer.co.uk/your-data/privacy-policy/
Specialist Motor Finance Ltd – https://www.smfmotor.com/privacy-notice/
Tandem Bank Limited – Privacy Policy – Tandem Bank
Toyota Financial Services (UK) PLC – Privacy Policy | Footer | Toyota UK
United Trust Bank Ltd – www.utbank.co.uk/privacy-notice/
Unity Auto Finance Ltd – https://unityauto.finance/privacy
V12 Vehicle Finance – Privacy Statement | V12 Vehicle Finance (v12vf.co.uk)
Zopa Bank Limited – Privacy Notice – Zopa Third party insurance product providers Premia Solutions – Privacy Policy – Premia Solutions | Experts in vehicle protection
Warranty Wise – Privacy Policy | Use Car Warranty | Warrantywise Third party service providers Data storage
We use a number of data storage providers who store your data securely allowing us to access and retrieve your data for us to process your application and manage your agreement with us.
Electronic signature platform providers
We use third-party platforms to supply our electronic documents which require your signature including our finance documents.
Communications providers
We use several communication providers including call monitoring software which will store your data only in the course of our business allowing us to communicate and record calls with you.
Analytics, Optimisation & Personalisation
We use providers to improve our website performance and user experience to analyse user behaviour on our websites, data driven insights to improve our websites and tailoring of our websites where available to individual users.
Identity and Vehicle Verification providers
We use several identity verification providers which may be used during your application for finance in order to verify your identity to prevent financial crime.
Marketing
We use a number of marketing providers who may process your data securely allowing us to contact you with related marketing material.
Vehicle Search Platform
We may use a vehicle sourcing solution to assist you in a search for a suitable vehicle for your finance application or approval which will be provided to you directly for you to search in your own time.
These providers store your data securely either within the European Economic Area (EEA) or where outside of the EEA they hold appropriate safeguards in place as required under Data Protection requirements and UK GDPR.
A full list of our active third party service providers can be provided upon request.
Details of transfers to third country and safeguards
Whilst our own data storage facilities are based in the UK, we may also use “Cloud” based data storage solutions to process your data. Where we make use of such storage, we will ensure that your personal data is kept safe. Where the Cloud provider transfers data outside of the European Economic Area, we will ensure that that Cloud provider only transfers personal data to countries with adequate data protection measures in place.
Retention of your personal data
We will ensure that we only retain your personal data for as long as we need to, specifically with regard to the reason you provided it to us in the first place. We will retain your personal data for a longer period than the length of any finance agreement you enter into as a result of our processing of your personal data. We will retain your personal data in this manner to be able to provide you or any third party involved in your finance application with information in relation to that application. We will also retain your personal data to allow us to resolve any complaints.
Your rights with regard to your personal data
You have the right to the following with regard to your personal data:
- The right to object to processing, or to request we process your personal data for limited purposes
- The right to have your personal data removed from our records
- The right to have the details of your personal data amended if what we hold is wrong
- The right to have your personal data transported to another organisation
- The right to request a review of any automated decision making we use with regard to your finance application
- The right to be provided with copies of the personal data we hold about you
You also have the right to withdraw your consent for us to process your personal data at any time.
Should you wish to exercise any of these rights, or need any further information, please contact the Data Protection Officer using the contact details listed above
Complaints
If you have any complaints with regard to our data processing practices, we will be happy to assist. In these circumstances, please contact the Data Protection Officer. If you are not satisfied with this, you may contact the Information Commissioner’s Office (the UK regulator with regard to data protection). You may do so by calling 0303 123 1113 or visiting ico.org.uk
We make use of automated credit decision making tools to allow us to process your finance application in the most efficient and accurate manner possible. We, and the third parties we may pass your personal data to make a decision on whether to grant credit to individuals based on an algorithmic process.
Should you object to any decision made in relation to your finance application, please contact the Data Protection Officer using the contact details above.