Your privacy and understanding of how we use your data is important to us. Please read this notice carefully.
We are Auto Union Finance Ltd (AU Finance), which 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 requested from our Data Protection Officer.
You can write to us at:
Auto Union Finance Ltd
Auto Union House
8 Eagle Park Drive
Warrington
Cheshire
WA28JA
T: 01925578800
E: [email protected]
Auto Union Finance is registered with the Information Commissions office (ICO).
Our registration number is: Z8688282.
You can view our details on the ICO Register.
Auto Union Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA firm reference number is 669609.
You can view our details on the FCA register.
Auto Union Finance Ltd is registered in England and Wales.
Our company registration number is 4975821
You can view our details at companies house.
We are a credit broker and not a lender. We can introduce you to a limited number of lenders that offer finance products, but we do not offer advice or recommendations. We are not impartial and have commercial arrangements with each of the lenders on our panel. We do not charge you a fee for our services, but we do receive commission from our lenders should you accept their terms. We have commercial terms in place with the motor retailers who introduce you to us and we will pass a proportion of the commission we receive to the retailer. The commission we receive is either a fixed fee or a percentage of the amount you borrow. The commission we receive varies depending on how you are introduced to us, which lender we place you with, and which finance product you choose. When we are able to make an offer of credit to you, we will inform you of the exact amount of commission, how much of it we will keep and how much we will pay to the motor retailer, the method used to calculate the amount and then ask for your consent to this before we proceed with the transaction.
How and why we use your personal information
We will only process the personal information you provide to us if we have your consent to do so and will only use your personal information for the purposes of arranging motor finance with us. We may also process your personal data based upon our company’s legitimate interests in doing so.
We will use the personal information you provide to us in our processing of your application for motor finance. This information includes your name, address and date of birth, which is required to allow us to check your credit profile and to forward your application for finance with us to a suitable lender.
Our processing of your data means that we will carry out searches with Credit Reference Agencies to find the most appropriate finance for your individual circumstances. Whilst we restrict the number of searches 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 only in your application for motor finance.
Where we have your permission, we may provide you with marketing material in relation to products and services that we may offer. Where we do provide you with this information, we will always give you a simple way to stop receiving it from us.
You have no obligation to provide us with your personal data however, if you don’t this will mean that we will be unable to progress your motor finance application with us.
We will not collect any personal data from that you we do not need in order to fulfil our processing of your motor finance application with us. Our services do not generally require us to collect special categories of personal data that is sensitive such as Ethnic origin, Political views, Religion or Race.
It is necessary, however, that in limited circumstances and only ever with your consent, we may process information about your health. We will only ever do this as part of our processing of your application for motor finance. Your disclosure of this information to us will only be in conjunction with our better processing of your finance application.
What we do with your personal data
We will only pass your personal data to third parties which need it in order to process your application for finance. We will pass your personal data to credit reference agencies and to finance providers with whom we have formal terms of business.
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, you could be 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.
We will only ever provide third parties with your personal information as part of our processing of your application for motor finance.
Third-party service providers:
Credit Reference Agencies
Experian Ltd – experian.co.uk/legal/privacy-statement.html
TransUnion Information Group Limited – https://www.transunion.co.uk/legal/consumer-centre
Finance Lending Partners
Advantage Finance Ltd – https://www.advantage-finance.co.uk/Information/UseOfYourData
Blue Motor Finance Ltd – https://bluemotorfinance.co.uk/CustomerPrivacyNotice
BMW Financial Services (GB) Ltd (Alphera) – alphera.co.uk/privacy-policy
BNP Paribas Personal Finance – https://www.bnpparibas-pf.co.uk/data-protection-notice/
CA Auto Finance – https://www.ca-autofinance.co.uk/privacy-policy/
Close Brothers Motor Finance Ltd – https://www.closemotorfinance.co.uk/privacy-policy
Mann Island Finance – mannisland.co.uk/privacy-policy/
Marsh Finance Ltd – marshfinance.com/privacy/
Moneybarn Ltd – moneybarn.com/privacy-policy/
Paragon Bank Plc – paragonbankinggroup.co.uk/privacy
Zopa Bank Ltd – https://www.zopa.com/privacy-notice
Integration providers
AutoConvert – https://www.autoconvert.co.uk/privacy-policy
Codeweavers – codeweavers.net/privacy
DealTrak Limited – dealtrak.co.uk/privacy-policy
iVendi – ivendi.com/terms
Communications providers
8×8 Inc. – https://www.8×8.com/terms-and-conditions/privacy-policy
Focus Group – https://focusgroup.co.uk/information/privacy-notice/
Microsoft 365 – https://privacy.microsoft.com/en-gb/privacystatement
Microsoft Azure – https://www.microsoft.com/en-gb/privacy/privacystatement?msockid=1801c7ac855564be2960d24984da651b
UK IT Networks – https://ukitnetworks.com/privacy-policy/
Details of transfers to third countries and safeguards
We store your data securely in Microsoft Azure’s UK East and UK West regions.
We use cloud‑based systems to process and store your information, and we protect it with multi‑layer security and strict access controls. If any of our cloud providers transfer data outside the European Economic Area (EEA), we make sure they only send it to countries that have strong data‑protection measures in place.
How long do we keep your personal data?
We will 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 instance. We will keep your personal data for a period longer than the total duration of any finance agreement that you enter into as a result of our processing of your personal data. (typically no longer than 8 years) We will keep your personal data to allow us to provide you or any third party involved in your finance application with information in relation to your application. We will also keep your personal data to allow us to resolve any complaints that may arise during or after your agreement ends.
What are your rights?
Under data protection legislation, you have several rights regarding the use of your personal data as follows:
If at any point you wish to either confirm whether your personal data is being processed and/or access the data we hold on you, you can request to see this information. We will respond to this request within one month of receiving it.
- You have the right to have your personal data removed from our records.
- You have the right to have your personal data amended if what we hold is wrong.
- You have the right to have your personal data transported to another organisation.
- You have the right to request a review of any automated decision-making we use with regard to your finance application.
- You have 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 above.
How to complain about the use of your data
If you wish to raise a complaint about how we have processed your personal data, including in relation to any rights outlined above, you can contact our Data Protection Officer.
T: 01925 578 800
E: [email protected]
Alternatively, if you wish to write to us, please send your complaint to:
Complaints Department,
Auto Union Finance,
8 Eagle Park Drive,
Warrington,
WA2 8JA
You can find our complaints policy here: https://auf.co.uk/complaints/
If you’re not happy with our response, or you believe we’re handling your data unfairly or unlawfully, you can contact the Information Commissioner’s Office (ICO).
You can find more information on their website: www.ico.org.uk
You can also make a complaint directly here: https://ico.org.uk/make-a-complaint/
We may use automatic decision making as part of the funding decision process, as do some of the finance companies that your application may be sent to. This will involve automatically requesting information from credit reference agencies (CRAs) and using the data along with the other data that we process in order to assess your suitability for the services requested. To request a manual review of your application, please email us at: [email protected]