Privacy Policy

When you complete an application, you consent to us disclosing your personal information to the following parties in order for them to process the car finance application:

• Consumer Experts and TFLI (US) INC: (i) to process your application relating to utility services and financial services/products with TFLI Limited who act as a credit broker; (ii) communicate with you, including sending you information about products and services which may be of interest to you; to speed up form filling, or to personalise, or improve your experience on its website, mobile applications or other similar devices, channels or applications; or (iii) in accordance with its privacy policy.
• TFLI (US) Inc acts as a credit broker that will process your finance application and share your personal data/car finance application with the panel of Credit Brokers and Lenders listed below, you can also view details of how they will process your personal data within their privacy policies.
• Utility Services/Products where we share your application with our panel of utility brokers and providers.
• The Financial Conduct Authority and/or other regulatory/governing bodies, for the purposes of compliance monitoring
• Google and Facebook to enhance targeting/exclusions from advertising.
• Credit Reference Agencies and Other Agencies where we collect your data and share with organisations where they have a lawful reason, which will include these organisations’ own legitimate interest. The data will be used to trace individuals, verification and/or validation of the identity of individuals for the purpose of, but not limited to, anti-money laundering regulations, national security, crime prevention and detection, anti-fraud processes, asset recovery and asset reunification.

Under data protection laws we are permitted to share some information where the reason for doing so is legitimate and isn’t outweighed by the effects it will have on the relevant individuals. On that basis, we may pass your data to organisations who may combine it with data from other sources, analyse and profile it (such as by predicting information about you), and pass their knowledge on to other companies to help trace you to provide important information or return assets to you. Your data may also be used in a similar manner to aid debt recovery and to prevent fraud by helping to identify you (for instance when you are applying for new products). Organisations to support the assessment of credit risk, pricing and affordable payments. If you do not wish for your data to be used this way by these organisations for this purpose then please email us compliance@tfli.us or refer to this policy.

Where permitted by data protection and privacy law, we may also disclose information about you (including electronic identifiers such as IP addresses) and/or access your account:

• if required or permitted to do so by law;
• if required to do so by any court, the Financial Conduct Authority, the Competition and Markets Authority or any other applicable regulatory, compliance, Governmental or law enforcement agency;
• if necessary, in connection with legal proceedings or potential legal proceedings; and/or
• in connection with the sale or potential sale of all or part of our business.
• TFLI (US) INC collect your data and will share it for commercial gain with third parties. These organisations will have a relationship with you or it may be used where they have a lawful reason, which may include these organisation’s own legitimate interest. Use includes tracing of individuals, verification and/or validation of the identity of individuals for the purposes of, but not limited to, anti-money laundering regulations, national security, crime prevention and detection, anti-fraud processes, asset recovery and asset reunification.

You can object to us processing your data in this way by contacting our Compliance Department at compliance@tfli.us or using the contact details stated in section 7.

FRAUD PREVENTION AGENCIES (FPA’S)
If we reasonably believe false or inaccurate information has been provided, including in relation to a person’s identity, and fraud is suspected, details, including personal data may be passed to fraud prevention agencies to prevent fraud and money laundering.

Your details may be passed to statutory bodies, regulators, legal bodies, credit reference agencies, fraud prevention entities and identity and address verification agencies who may record and use your details. They may also disclose your information to other organisations for credit reference, debt tracing, and fraud and money laundering prevention purposes. If you have any queries regarding these uses, please contact the relevant organisation.

By submitting an application form on our site, you confirm that all of the information provided is true and accurate. You also, when applying, authorise the lender or finance provider to use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications.

What Is a Fraud Prevention Agency?
Fraud Prevention agencies (FPA) collect, maintain and share information on any known or suspected fraudulent activity.
They work in the following ways with various organisations:

• If false or inaccurate information is provided and fraud is identified, details will be passed to Fraud Prevention Agencies
• Law enforcement agencies may access and use this information.
• FPA’s along with ourselves and other organisations, may also access and use this information to prevent fraud and money laundering, for example, when:
• Checking details on applications for credit and credit-related accounts, or other, facilities;
• Managing credit and credit-related accounts or other facilities;
• Recovering debt;
• Checking details on proposals and claims for all types of insurance; and,
• Checking details of job applicants and employees.
• We, and other organisations may also access and use the information recorded by FPAs from other countries.

You have the right to object to this processing at any time by contacting us at compliance@tfli.us

How We and Our Partners May Contact You as Part of Your Application?
We, and our panel of utility brokers/providers, lenders and credit brokers will keep you informed of the progress of your application. Unless you state otherwise you may be contacted via telephone, email and SMS. (See further section on ‘How we keep you informed)

Lawful basis for collecting your personal information
We rely upon a different lawful basis to process your personal data according to the reason for which you have provided your data to us.
Our use of your personal data will always have a lawful basis.

Consent:
When you submit your application with TFLI (US) INC who is an Appointed Representative of TFLI Limited, we process your personal data on the basis that you have provided your consent to be contacted by TFLI (US) INC who is an Appointed Representative of TFLI Limited, our panel of finance providers (Lenders) and credit brokers in relation to your application.

You can withdraw your consent to us and our panel of finance providers (Lenders) and credit brokers processing your personal data for the purposes of the application at any time by clicking the “unsubscribe” option in any SMS, Email, or within the communications sent by partners.

Alternatively, you can withdraw your consent by contacting our Compliance Department at compliance@tfli.us or using the contact details stated in section 7. If you change your mind about agreeing to us processing your personal data, this will not have any effect on the lawfulness of any processing we have carried out before you changed your mind.

Contract:
Your personal data will also be processed on the basis that we need this information to fulfil our obligations under the contract we have entered into with you by providing you with a quote. TFLI (US) INC who is an Appointed Representative of TFLI Limited, will share your application with our panel of utility brokers/providers, finance providers (Lenders) and credit brokers who will contact you regarding your application.

You can object to us processing your data in this way by contacting our Compliance Department at compliance@tfli.us or using the contact details stated in section 7. In addition, if you object to your personal information being used in this way you should stop using our site/services immediately.

Legitimate Interest:
We have a legitimate interest in processing your data (i.e. to share your application with our panel of utility brokers/providers, finance providers (Lenders) and credit brokers to obtain the service you have applied for.

It also includes processing your data for tracing, verification and validation of identity. Tracing could take place for the purpose’s debt collection fraud prevention and anti-money laundering processes and asset reunification. Checking of individual identities. Age verification and authentication. Individual reference or lookup services. Know your customer due diligence services.

You can object to us processing your data in this way by contacting our Compliance Department at compliance@tfli.us or using the contact details stated in section 7. In addition, if you object to your personal information being used in this way you should stop using our site/services immediately.