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The Asset Exchange Ltd will collect data for the purposes of marketing and processing vehicle sales, for finance applications and the management of finance agreements.
We may share data with selected third parties to fulfill the purposes above, this may include credit reference agencies, introducers or agents who will act on our behalf, this may include group companies and where any of our obligations under a finance agreement are sold or assigned.
The information we collect and process about you may include:
Your information will be used in the following manner:
We will obtain your consent to the processing of your data, though in most instances after you have applied to us we will have a legitimate interest to the processing of your data.
We will seek your consent at the time of making any enquiry about the products or services we offer, this consent will allow us to market our services to you and services complimentary to the products we offer from third parties, you may withdraw this consent at any time.
If you wish to obtain finance through us we will request your consent at the time of making an application, this consent will include permission to make such enquiries as are necessary to process a finance application including the use of credit bureaus such as Call Credit or Equifax and fraud detection bureaus.
Where we have entered into a finance arrangement with you we will have a legitimate interest to share your data with credit bureaus and third parties for the purposes of managing an account including debt collection agencies where appropriate.
Please see ‘your rights’ (below) in respect of withdrawing consent.
We will take appropriate steps to ensure the data we hold about you is kept safe and secure, we will use protected safe servers where data is kept in electronic format. We will only share data to fulfil the purposes for which your data was given.
We will not share, store or transfer your data outside of the European Economic Area ("EEA").
We will only disclose your personal data where required by Law or for the purposes of financial crime detection and apprehension.
We will retain the data we hold about you dependent on our ongoing relationship, if the data we hold is limited to marketing purposes where we have no ongoing relationship it will be held for less time than an individual whose data is held to manage a finance agreement.
At the expiry of our retention period your data will be securely disposed of, where that data is held physically we will arrange its lawful destruction. Where data is held in electronic format we will lawfully dispose of it in accordance with data destruction practices at that time relating to electronic data.
You have the following rights in relation to the data we hold and process:
You have the right to inspect the data we hold about you by making a ‘Subject Access Request’. You should make your request to the Data Protection Officer. We will disclose the data we hold within 1 month of your request.
If you feel the data we hold is out of date or incorrect you have the right to have those records rectified. Where you feel we hold out of date or incorrect information you should notify the Data Protection Officer.
You may withdraw your consent to the processing of your data for marketing purposes at any time, any other request to withdraw consent will be dependent on our contractual relationship with you at that time.
If you dispute the processing of your data or feel your data has not been processed in accordance with the Data Protection Act you should first raise your concern through our customer services department, you may also lodge your complaint with the Information Commissioner‘s Office.