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Privacy Statement


We take our responsibility to protect your privacy very seriously. We apply strict security and privacy controls to the way we handle your personal information.
This notice sets out how we will protect and respect your privacy as required by the UK General Data Protection Regulation (“GDPR”) and the laws that apply.
Please read this Privacy Policy carefully and ensure that you understand it.


Information About Us
Our Site is owned and operated by Nations Car Finance is a trading name of Nations Financial Services Limited which is registered in England & Wales, under Registered No. 14796888. Our Registered Office is 293A Heathway, Essex, Dagenham,RM9 5AQ

Changes to the privacy notice, and your duty to inform us of changes in your personal data
We may update this privacy notice from time to time, so please re-visit this page regularly for the most current information.
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

What does this Policy Cover?
This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them.

Personal data that we collect about you
Personal data is information that can identify you.
We will collect and use the following personal data about you. This includes:

  • your name, address, place of birth, date of birth, marital status, sex, gender, and information about your health
  • driving licence or any other photographic ID
  • your home address and any previous home addresses, and your email and phone number
  • your country of residence and your right to live in the UK
  • car registration
  • driving records including penalties and insurance
  • financial details, such as your employment status, annual income, number of dependants, residential status, financial circumstances such as payments made to and from you, monthly housing costs, bank account, payment card details and agreement number
  • information you give us through emails, and answers you give to surveys about us and our services
  • your preferences in receiving marketing from us and our third parties, and your communication preferences.

How we collect personal information
Directly From you
In many instances, we collect personal information directly from you. For example, if you are a customer, we may collect your information from an application form you have completed, when you use any features on our website or when you contact us by phone, email, or through our website. Your calls to us may also be recorded and monitored for training, verification and compliance purposes.

You do not have to disclose personal information to us. However, if you do not provide certain information we request, we may not be able to process or accept your application for credit, consider your application for employment, or otherwise provide you with services. We also may not be able to verify your identity or protect against fraud.

We may also receive information indirectly about you from the following sources:
From a motor dealer, broker or other third party when you are making an application for motor finance via them.
From credit reference agencies, financial crime prevention agencies or other third parties that help us to prevent fraud and meet our legal obligations, as well as checking your creditworthiness to take out a loan.
Your financial services providers where you have consented to us using Open Banking to verify your income and other financial information. If you have authorised a third party to act on your behalf.
Other third parties and publicly available sources, e.g. we may buy or rent marketing lists from third parties, which contain the contact details of individuals (including you) to whom we can send marketing materials
In addition, we may collect information from other third parties, including:

  • DVLA
  • insurance companies
  • debt-collection agencies, debt-management companies and insolvency services.
    When you deal with a third party, please make sure you read their privacy notice to understand how they process your data.

How Do You Use my Personal Data?
Data-protection laws say we need to have a lawful basis to use your personal data. These are:

  • performance of a contract
  • complying with a legal obligation
  • when we or a third party have a legitimate interest. This means using data in a way that you might expect, for a reason
    that is in your or our (or a third party’s) interest, and that doesn’t involve overriding your privacy rights
  • We will not use your personal data for direct marketing purposes unless we have your consent to do so.

Category Data
Data protection law requires us to treat ‘special category data’ with more care. Special category data includes biometric data (physical, physiological or behavioural characteristics about you), health data, criminal convictions, and any religious or political data.

When you make an application for car finance using our mobile app, we use a third party to verify your identity with facial recognition technology, which requires the processing of biometric data. As part of this process, your special category data is processed only for the purposes of verifying your identity. The third party we use for this process is Smartsearch and you can find out more about how it processes your Personal Data using facial recognition here.
We might need to process your special category data to help us provide a service that best meets your needs. For example, so we can consider any specific requirements you may have, your needs have changed or you experience financial difficulties it may help for us to understand information about your health.
We will always ask for your explicit consent for special categories of Personal Data being processed by us and our service providers for the purposes stated in this Privacy Notice. You also have the right to withdraw consent, which you can read more about in the section “Your rights” .
We may also require details regarding criminal records and proceedings for compliance with legal obligations (including safeguarding against fraud and anti-money laundering requirements).

Sharing your personal data
If you apply for finance with us, contact us directly or access our website or customer portal, we may need to share your personal
data with the following parties:

  • Car dealerships or credit brokers when you have been introduced to us by them.
  • Credit-reference agencies (CRAs) – please see below for further information.
  • Fraud-prevention agencies (FPAs), such as Cifas.
  • The Driver and Vehicle Licensing Agency (DVLA).
  • The National Vehicle Crime Intelligence Service (NaVCIS).
  • The UK Financial Services Compensation Scheme (FSCS).
  • Regulatory and law-enforcement agencies, such as the police, courts.
  • Debt-collection agencies.
  • Professional advisors.
  • Insurance providers.
  • Companies and consultants providing services to us, such as marketing agencies, service providers who maintain our
    systems and our website host, and other third parties who process and store data on our behalf.
  • Third parties to whom we may choose to sell (in whole or in part) our business or our assets. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.
    We require all third parties to respect the security of your personal data and to treat it in line with the law. We do not allow our third-party service providers to use your personal data for their own purposes. We permit them only to process your personal data for specified purposes and in line with our instructions.
    Credit-reference agencies
    If you submit your details to get pre-approval for finance, we will supply your personal data to credit-reference agencies (CRAs) to carry out what’s called a ‘soft credit search’. This gives us a view of your credit report to help us make responsible lending decisions. The CRAs will record our search but other lenders won’t be able to see it and it won’t affect your credit score.
    It is only when you proceed to complete a full application – which is when we generate the contract document – that we will perform a full search of your credit report that is visible to other lenders.
    CRAs will give us public information (including from the electoral register), and information about your credit and financial situation; financial history information; and financial crime-prevention information about you.
    We will continue to share your personal data with the CRAs for as long as you are a customer. We will also inform them:
  • when you settle your account
  • if you do not repay in full
  • if you do not repay on time
  • if you fall into arrears and this is not rectified within 28 days of a formal demand being issued, which we may record as a default.
    To understand more about a CRA, you can read its Credit Reference Agency Information Notice (CRAIN), which will tell you:
  • more about its role as a credit-reference agency
  • its role as a financial crime-prevention agency
  • the data it holds
  • how it uses and shares personal data
  • data-retention periods
  • your data-protection rights.

The CRAs we use are:

  • TransUnion, One Park Lane, Leeds, West Yorkshire LS3 1EP, telephone 0330 024 7574 or via the internet at transunion.co.uk
  • Experian Consumer Help Service, PO Box 9000, Nottingham NG80 7WP, telephone 0344 481 8000 or via the internet at experian.co.uk
  • Equifax plc, Credit file Advice Centre, PO Box 1140, Bradford BD1 5US or via the internet at myequifax.co.uk.

Open Banking
Nations Car Finance may use Open Banking to liaise with your financial services providers to easily verify your income and other financial information.
We may do this when you first apply for motor finance with us to check you can afford the payments. We may also use Open Banking if you have motor finance with us but you experience financial difficulties, so we can easily check your financial position and consider the best ways to support you.

We will only use your Open Banking data with your informed consent, which will be sought from you via a link sent to your mobile phone. If you provide consent, we will have access to the transaction information from your bank account for the last 12 months. We will usually receive a one-off snapshot of 12 months of transaction history, which will be held on your file.
However, please note that some banks have set up their Open Banking so that third parties receive access to data for a longer period. In these instances, please be aware that the Open Banking access will remain in place for the period set by your bank, which is usually for up to 90 days post consent.

We will not give your Open Banking data to any third parties, unless we have a lawful basis to do so in accordance with this Privacy Notice. For more information about Open Banking please see http://www.openbanking.org.uk/customers/what-is-open-banking/.

The Open Banking platform we use Consents Online Limited.

How long will we store your personal information?
We will store your personal information for up to six years on our CRM systems. We are committed to ensuring your data is kept secure so review our security systems on a regular basis.
This is to enable us to refer to our records should we be required to for the purpose of regulatory or lawful reasons.
Please note that some of your information may be included in information used for accounting purposes. Where this is the case this information is kept for 7 years as per our legal requirements.
Once this time period has ended, your information will be confidentially destroyed and removed from all systems and records.

Your rights
You have a number of rights in relation to the personal data that we hold about you. These rights include:

The right to object to our processing of your personal data where we process your personal data pursuant to our legitimate business interests. Please note that there may be circumstances where you object to our processing of your personal data but may be legally entitled to refuse that request.
The right to obtain information regarding the processing of your personal data and access to the personal data which we hold about you.
The right to withdraw your consent to our processing of your personal data at any time. Please note, however, that we may still be entitled to process your personal data if we have another legitimate reason (other than consent) for doing so.
In some circumstances, the right to receive some personal data in a structured, commonly used and machine-readable format and/or request that we transmit those data to a third party where this is technically feasible. Please note that this right only applies to personal data which you have provided to us.
The right to request that we rectify your personal data if it is inaccurate or incomplete.
The right to request that we erase your personal data in certain circumstances. Please note that there may be circumstances where you ask us to erase your personal data but we are legally entitled to retain it.
The right to request that we restrict our processing of your personal data in certain circumstances. Please note that there may be circumstances where you ask us to restrict our processing of your personal data but we are legally entitled to refuse that request.
The right to object to any automated decision making (including profiling) which we conduct based on your personal data, which significantly affects you. Please note that there may be circumstances where you object to us conducting automated decision making but we are legally entitled to refuse that request.
The right to object to the processing of your personal data for direct marketing purposes.
The right to lodge a complaint with the data protection regulator (details of which are provided below) if you think that any of your rights have been infringed by us.

You can exercise your rights by contacting us using the details set out in the “Contact us”

You can find out more information about your rights by contacting the data protection regulator, the Information Commissioner, or by searching their website at https://ico.org.uk.

How Do You Use Cookies?
Our Site may place and access certain Cookies on your computer or device. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
Certain features of Our Site depend on Cookies to function. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings

Updates
We may modify this Privacy Policy from time to time. If we do, we will post the updated Privacy Policy on our website. We encourage you to periodically review our Privacy Policy for any changes.

Contact Us
If you have any questions regarding this privacy policy or would like more information about the way we manage your personal information, please contact our Customer Experience team as follows:

Email: admin@nationscarfinance.co.uk

Telephone: 02033045782

Post : 293A Heathway, Essex, Dagenham, RM9 5AQ