Privacy Policy

Privacy Policy

Who are we?

LINGsCARS.com is a trading name of LINGsCARS.com Limited who are authorised and regulated by the Financial Conduct Authority (FCA).

The FCA are the independent watchdog that regulates the Financial Services industry. Please use the information below to decide if our services are right for you and your individual circumstances.

Our Firm Reference Number (FRN) is 721481 You can find us on the FCA Register by searching LINGsCARS.com Limited on https://register.fca.org.uk/s/ or by contacting the FCA on 0800 111 6768.

LINGsCARS.com Limited is a Credit Broker and not a Lender.

We are registered with the Information Commissioner's Office for the purpose of Data Protection and our registration number is Z1098490.

How do we use your information?

LINGsCARS.com Limited may use information about you as follows:

To assist with the completion of your application for finance.
For assessment and analysis purposes. This includes working out your suitability for a credit product based on how you have managed previous and current financial products, your current financial position and how often you have applied for and used credit products such as bank accounts, credit cards, loans, and mobile phone contracts. It also includes market and product analysis.
To help us develop and improve our services to you and other customers and protect our interests.

The data we collect from you

Identity Data includes, title, First Name, Last Name, Marital status, Date of Birth, Residential Status, Address, Time at Address, Driving Licence Details.
Employment Data includes, current Employment Status, time in current employment, Occupation, Payslips, Employer Name, Net monthly income.
Vehicle Data includes your current vehicle, car registration, registered address, car tax number.
Transaction Data includes details of products and services you have engaged from us.
Contact Data includes email address and Telephone numbers.
Financial Data includes, bank statements, payment card details.
Profile Data includes, services engaged, your interests, preferences, and feedback.
Technical Data includes, internet protocol (IP) address, Browser type and version, Time zone setting and location, Browser plug-in types and versions, Operating system and platform and other technology on the devices you use to access this website.
Usage Data includes information about how you use our website and services.
Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

How we use your personal data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

Where we need to perform the contract or take steps in order to perform the contract, we are arranging for you with a third-party lender to enter into.
Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
Where we need to comply with a legal or regulatory obligation.
Where we have your express consent to process your data.

Generally, we do not rely on consent as a legal basis for processing your personal data other than in relation to sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us on:

Telephone: 0191 460 9444

Email: sales@lingscars.com

Address: LINGsCARS.com

15 Riverside Studios

Newcastle Business Park

Newcastle Upon Tyne

NE47YL

Marketing

LINGsCARS.com Limited may send you information about products and services (including those of other companies) which may be of interest to you. We will still do this even if we do not accept your application for credit. We may send you information by post, email or phone (including text message). To stop receiving marketing information from us at any time, please contact us on:

Telephone: 0191 460 9444

Email: sales@lingscars.com

Address: LINGsCARS.com

15 Riverside Studios

Newcastle Business Park

Newcastle Upon Tyne

NE47YL

How do we protect your information?

We take appropriate measures to ensure that the information disclosed to us is kept secure, accurate and up to date.

How long do we keep your information?

We will only keep your information for as long as we reasonably need it, which may include:

Finance Agreement and Application Form – we may store this information if necessary to ensure we comply with our regulatory reporting and legal obligations.
Personal details for marketing – we may store your personal information for marketing activities for the duration of your finance agreement plus 2 years. Alternatively, if you have not taken out a finance product, for a period of up to 3 years following your application.
Credit Report and Document Proofs – We may store your credit report or proofs of ID documentation only where necessary to fulfil our regulatory responsibilities.

Your data protection rights

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information.

Your right to rectification - You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing - You have the right to ask us to restrict the processing of your personal information in certain circumstances.

Your right to object to processing - You have the the right to object to the processing of your personal information in certain circumstances.

Your right to data portability - You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

If you wish to make a request under your data protection rights, please contact us on:

Telephone: 0191 460 9444

Email: sales@lingscars.com

Address: LINGsCARS.com

15 Riverside Studios

Newcastle Business Park

Newcastle Upon Tyne

NE47YL

How to complain

If you have any concerns about our use of your personal information, you can make a complaint to us at:

Telephone: 0191 460 9444

Email: sales@lingscars.com

Address: LINGsCARS.com

15 Riverside Studios

Newcastle Business Park

Newcastle Upon Tyne

NE47YL

You can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address:

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Helpline number: 0303 123 1113

ICO website: https://www.ico.org.uk