1. Terms & Conditions

Using Our Service

  1. The service we provide via this Site is assistance to Site users to access finance which may be appropriate for them to use for buying motor vehicles (“Service” or “Car Loans 365 Service” as further defined in clause 5 below). In this respect we act as a service provider. We are not a broker or finance company and do not offer finance ourselves. The responsibility for deciding whether you can afford to contract with a finance option provided to you via our Service rests with you as only you are best placed to determine this.
  2. The use of the Service is governed by these Terms. In these Terms we may also refer to other policies or terms which also apply to your use of the Site and the Service.
  3. We will not charge you a fee but we may receive a fee from third parties (such as brokers or lenders) concerning our connecting you with them by your use of the Service (“Fee”).
  4. If you decide to proceed with any third party provider of finance, you will be required by that third party to enter into another legally binding agreement with separate terms and conditions with that third party. Do not proceed if you do not wish to be bound by those terms and conditions. We are not a part of or party to those third party terms and conditions.
  5. Your use of the Site and the Service is for you personally and is not available for your commercial use. You are not permitted to use the Site or Service for any illegal, immoral or fraudulent purpose.

Your information

  1. When contacting us through the Site, and by using the Service, you may provide certain personal information. We process information about you in accordance with our Privacy Policy, which can be accessed [here].
  2. When using our Site, we may use Cookies to help us provide a better service to you and to other, and when we do so, it will be in accordance with our Cookie Policy which is accessed [here].
  3. Car Loans 365 and our panel of lenders and service providers will use your personal information including your personal data and data we obtain from other sources to consider your application, including carrying out full credit searches to ensure that the services we offer are tailored to your needs and interests. Potential lenders may contact you by email, telephone, mail, SMS or other electronic messaging service with offers of products or services that may be of interest to you.

Intellectual property

  1. We are the owner or the licensee of all trade marks, and all other marks, trade names, brand names, business names, illustrations, images, logos, registered or unregistered designs, copyrights and other intellectual property rights (“IP Rights”) which appear on our Site and in the material published on it. You may use these rights and the material solely for the purpose of using our Site in accordance with these Terms. You may not copy, reproduce, republish, download, post, broadcast, transmit, make available to the public, or otherwise use any content on our Site in any way except for your own personal, non-commercial use.

Linking to our site

  1. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
  2. Our Site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with applicable local, national or international law, regulation and good industry practice.

Interpretation

  1. In the Terms, save where the context requires otherwise, the following words and expressions have the following meaning:“Account” means the Client’s account on the Car Loans 365 website;“Agreement” means the agreement between the Client and us comprising the Application and the Terms;“Application” means the application form filled in and submitted electronically at [Here];“Client” means the person identified in the Application;“Client Data” means the content and data provided to us by or for the Client as a result of completing the Application, or using the Site;“Confidential Information” means information which is identified as confidential or proprietary by either party or by the nature of which is clearly confidential or proprietary;“Car Loans 365 Service” means that the service we provide to Clients via the Site whereby we circulate the information which the Client provides to us to brokers, lenders and any other agencies we think may be able to help the Client with vehicle financing.

Client’s Promises to Us

  1. Has the right to enter into an Agreement with us;
  2. is over the age of 18 years;
  3. will have only one Account with us;
  4. will create and use a username which will not be offensive, nor will it suggest that the Client is someone else or that the Client represents a trade or brand name (and in connection with this understands and agrees that we have the right to insist that the Client changes a username if we reasonably require);
  5. won’t use robots, spiders, scrapers or similar things on our Site;
  6. won’t try to get around any things we put on the Site to stop or limit access to parts of it;
  7. won’t do anything that might cause our systems to crash;
  8. won’t steal the Site or any part of it for use in any other site or application;
  9. won’t breach our IP Rights, nor copy imitate or use the trademarks and/or designs and/or layout or anything else which would usually amount to intellectual property which we own;
  10. won’t attempt to copy, modify, duplicate, create derivative works from, frame, mirror, republish, download, display, transmit, or distribute all or any portion of the Site or Service in any form or media or by any means;
  11. will only provide us with information which is true and accurate.

IMPORTANT INFORMATION TO NOTE — DISCLAIMERS AND EXCLUSIONS OF LIABILITY

  1. We do not guarantee that any loans or other products or services offered to you through the Site or by using the Service will meet your requirements. In connection with loans, we help you to find a loan from a lender on our panel of lenders based on the information you provide us in the Application. If you provide us with information which is incorrect or incomplete we cannot be held responsible for any complaints or claims from you arising in connection with this. the decision as to whether you wish to proceed with finance offered by any third party by using the Service is yours. If you have any doubts or queries as to whether you should proceed, do not do so before taking professional advice.
  2. We do not warrant that your access to the Site will be uninterrupted, unrestricted, timely, secure and error-free, or that the Site and the server are free of computer viruses or other harmful applications. If a fault occurs in the Service you should report it to us and we will attempt to correct the fault as soon as we reasonably can.
  3. We may suspend, restrict or terminate your access to the Site at any time.
  4. To the fullest extent allowed by applicable law we hereby expressly exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity and which are not expressly set out in these Terms, and the Site is provided “as is”.
  5. We do not accept any liability for either:
      1. any loss of income or revenue, loss of business or loss of profits or contracts, loss of anticipated savings, loss of data, waste of management or office time however arising and whether caused by tort (including, without limitation, negligence), breach of contract or otherwise even if foreseeable; or
      2. any indirect or consequential loss or damage of any kind however arising and whether caused by tort (including, without limitation, negligence), breach of contract or otherwise, even if foreseeable.
    1. Our maximum liability to you, however arising in connection with your use of the Site or the Service or otherwise will not exceed the sum of £100 (this figure taking into account the fact that we do not charge you for our services).
    2. You agree to indemnify us and keep us indemnified from and against all losses, liabilities, costs (including legal costs) and expenses reasonably suffered or incurred by us, all damages awarded against us under any judgment by a court of competent jurisdiction and all settlements or sums paid by us as a result of any settlement agreed by us arising out of or in connection with:
        1. Any breach by you of any of these Terms and Conditions; or
        2. Any contract or arrangement between you and a third party which is formed directly or indirectly through use of the Site or the Service.
      1. We do not represent that the Site, the material on the Site or the Service is appropriate or available for use outside the United Kingdom. If you choose to access the Site from any location outside the United Kingdom, you do so at your own risk and it is your responsibility to ensure compliance with all foreign and local laws and requirements.
      2. We will not be liable or responsible for the return of any deposits or other amounts left with or paid to any third party (specifically car dealers) in connection with any loans or other products or services offered to you through the Site or by using the Service. Your sole recourse in respect of any action for the return of any such amounts due to you in this respect will be against the relevant third party and all liability of us, our officers, employees, agents and subcontractors (howsoever arising) is excluded to the fullest extent permitted by law.

LAW AND JURISDICTION

  1. The Agreement, the Service and your use of the Site shall be governed by and construed in accordance with English law and each party hereby submits to the exclusive jurisdiction of the English courts.
  2. If you have any concern or complaint about our Site or the Service please raise it with us by using our Complaints Procedure which can be accessed [here].

2. Privacy Policy

1. Purpose

a. The purpose of this policy is to outline how we use your data, how it’s protected, how long it’s stored for and more.

b. As a vehicle finance broker, the main purpose of us obtaining your information is to try to obtain you an acceptance with one of our lenders.

c. If at any time, you have any questions regarding how we use your information or this policy, please use the below details to contact us –

d. Please note that for the purpose of holding personal data, we are registered with the Information Commissioner’s Office, registered number – ZA519190.

2. Why do we collect and use your personal data?

a. We collect and use your personal information in order for us to provide you with vehicle finance via our application form and potential from third parties who you have applied to.

b. We act as a data controller.

c. The lawful basis of which we use your information is consent, we will not process your information without your explicit consent.

d. We gain this information by you agreeing to our terms of business and privacy policy when you make an application.

e. We kindly ask that if you do not want us, or do not consent to us using your information, you do not submit an application to us.

f. You can exercise your right to withdraw your consent at any time using our contact details listed above.

g. We will not use your data for any other purposes without informing you and gaining your consent.

h. The information we collect can be some or all of the following –

  • Name
  • Date of Birth
  • Residential Information
  • Employment and Income Information
  • Marital Status
  • Vehicle Information
  • Bank Details
  • Marketing Preferences (should you opt in, you will have the ability to opt out at anytime, you can also contact us on the above to do so)
  • IP Information

i. Sensitive and Special Category Data – We will never request sensitive information, or information that we do not require from yourself. However, if you provide us with data that is classed as a special category of data such as health information, criminal records of convictions and offences, or allegations of criminal offences, we will only process this with your permission (unless we feel the processing is necessary to protect your vital interests or if the law allows us to do so).

j. If you do not provide us with your data, we may not be able to provide you with our services.

k. Please note all communications with yourself will be recorded and/or saved for record.

3. What happens if I do not provide my personal information?

a. We need your personal information to process your request or finance application. If we do not collect your personal information, we will not be able to provide our services to you.

b. We will use your personal information to send you marketing communications by email about similar products and services that you may be interested in.

c. Please note that we will not send you marketing information with your consent.

d. You have the right to object to receiving marketing communication and we will give you an easy way to unsubscribe from receiving any marketing communication from us.

4. Who will we share your personal information with?

a.We will share your information with the lenders with whom we work with in order to assist you gain an acceptance, these include the below –

b. Your information will be held on our CRM system, AutoConvert (Blue Owl Network Ltd). You can view their privacy policy here – https://www.autoconvert.co.uk/privacy-policy/. This organisation will check the following records about you and with their chosen Credit Reference Agencies (CRA), Equifax Ltd and Experian Ltd. We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime

c. When Equifax and/or Experian receives a search request from us via AutoConvert, they will place a soft quotation footprint that will be visible to you only, on your credit file; other parties including lenders will not see this. This quotation footprint will not be seen by other parties and it will not affect your credit score/rating or ability to apply for finance from other lenders (please note that when lenders conduct these searches with CRA’s, it may leave a footprint). AutoConvert will access from Equifax Ltd and/or Experian Ltd both public (including the electoral register) and shared credit and fraud prevention information. This information will be used to check your eligibility against a select group of lenders

d. We will not see any information on your credit file, AutoConvert will only provide a list of lenders that you are likely to be accepted for given the information supplied using their brokering technology that understands most of the acceptance criteria of the lenders on their panel.

e. If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.

f. You can contact CRA’s on the below:

Equifax Ltd, Customer Services Centre, PO Box 10036, Leicester, LE3 4FS or call 0800 014 2955 or visit www.equifax.co.uk

Experian Ltd, The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ, UK https://www.experian.co.uk/contact-us/

g. For further information on Credit Reference Agencies and how they will use your data, please refer to their Credit Information Notice: Credit Reference Agency Information Notice (CRAIN) | Experian

h. The personal information we have collected from you will be shared with fraud prevention agencies via our finance partners, 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. Further details of how your information will be used by our finance partners and these fraud prevention agencies, can be found in the above privacy links.

i. lease also note that in order to complete your finance agreement, we will require some information from the supplying dealership.

j. In order for them to raise the necessary paperwork, we will need to send them your name, address and contact number. We may also liaise with them regarding any future aftersales issues where required.

k. If required, we will also share your information with 3rd parties for accounting, legal or regulatory purposes such as (but not limited to HMRC, FCA etc.)

l. Please note we as a company do not share your data outside of any EEA state. We ask you to ensure you are aware of how the above companies share and use your date, so you are fully aware.

m. We complete due diligence on any third party with whom we work with to ensure they comply with GDPR and are happy to provide further information or answer any questions you may have.

5. How long will we store your personal information?

a. 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.

b. This is to enable us to refer to our records should we be required to for the purpose of regulatory or lawful reasons.

c. If you do not object to receiving marketing communications from us, we will store your personal information for marketing purposes until you unsubscribe from receiving marketing communications from us.

d. 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.

e. Once this time period has ended, your information will be confidentially destroyed and removed from all systems and records.

6. What are your rights to your personal information?

a. Under Data Protection Law, you have certain rights when it comes to your data that we need to make you aware of. We have detailed these rights below.

Right to access

You have the right to request copies of the personal information we hold about you at any time.

Right to rectification

You have the right to request that we correct any inaccurate personal information we hold about you.

Right to erasure

You have the right to request that we delete your personal information from our records.

Please note that we will not be able to delete your personal information whilst we are still providing our services to you. We will be able to delete your personal information once you cancel the service or once the service is completed, if we are able to do so with still abiding by law.

Right to restrict processing

You have the right to request that we restrict how we use your personal information.

Right to object

You have the right to object to the collection and use of your personal information at any time.

Right to data portability

You have the right to obtain a copy of your personal information in a legible and compatible

format such as Excel or Word.

Right to be informed

You have the right to be fully informed regarding your information throughout our whole journey

Rights in relation to automated decision making and profiling.

If a decision has been made electronically, you have the right to contest this decision.

7. How can I exercise my rights in relation to my personal information?

a. You can exercise all of your rights by contacting us on any of the above contact details.

b. If you wish to withdraw your consent for processing or marketing, please also use these contact details to inform us as soon as possible.

c. Due to this, we may not be able to fully act on your requests; however, where these exemptions apply, our team will fully explain why we are limited to act on your request, or how we have partially acted on your request.

8. How do I lodge a complaint about the use of my personal information?

a. You can lodge a complaint with us directly by contacting us on one of the above contact details.

b. You also have the right to lodge a complaint directly with the Information Commissioner’s Office (ICO).

c. The ICO is the regulator who makes sure that we use your personal information in a lawful way.

d. You can lodge a complaint with the ICO by following this link https://ico.org.uk/concerns/ or calling the ICO on 0303 123 1113

9. Cookies

a. Our site may operate cookies and it’s important for us to make you aware how these are used so please do ensure you are aware of our Cookies Policy which can be found on our site.

b. You will be asked if you agree to these cookies when using our site, you have the right to refuse these Cookies.

10. Review

a. This policy will be reviewed on at least an annual basis and was last updated on December 2023.

b. Any updates will be reissued as soon as is physically possible with the approval of our Director and Senior Management team.

3. Cookie Policy

This website https://carloans365.com (“Our Site”) uses Cookies and similar technologies in order to distinguish you from other users. By using Cookies, we are able to provide you with a better experience and to improve our site by better understanding how you use it. Please read this Cookie Policy carefully and ensure that you understand it. Your acceptance of Our Cookie Policy is deemed to occur if you continue using our site. If you do not agree to Our Cookie Policy, please stop using our site immediately.This website https://carloans365.com (“Our Site”) uses Cookies and similar technologies in order to distinguish you from other users. By using Cookies, We are able to provide you with a better experience and to improve our site by better understanding how you use it. Please read this Cookie Policy carefully and ensure that you understand it. Your acceptance of Our Cookie Policy is deemed to occur if you continue using Our Site. If you do not agree to Our Cookie Policy, please stop using our site immediately.

Definitions and Interpretation

In this Cookie Policy, unless the context otherwise requires, the following expressions have the following meanings:

“Cookie” means a small file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site;

“Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 and of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”);

“personal data” means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data, as defined EU Regulation 2016/679 General Data Protection Regulation (“GDPR”)

How Does Our Site Use Cookies?

  1. Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by us and are used only by us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve our products and 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.
  2. By using Our Site, you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than us. Third party Cookies are used on Our Site for analytics service.

Consent and Control

  1. Before Cookies are placed on your computer or device, you will be shown a pop-up requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. In addition to the controls that we provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.

Changes to this Cookie Policy

  1. We may alter this Cookie Policy at any time. Any such changes will become binding on you on your first use of Our Site after the changes have been made. You are therefore advised to check this page from time to time.
  2. In the event of any conflict between the current version of this Cookie Policy and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

4. Complaints Process v1.1

Our aim is always to provide an exceptionally high level of service to all our customers. Where customers are unsatisfied, it’s important to us that this is dealt with objectively, fairly, and as quickly as we can.

If you have a complaint about any aspect of our service, then we would like to hear from you. Please use the below details to let us know.

By email

complaints@carloans365.com

By phone

0161 410 3365

By post

Complaints Department
carloans 365
2
nd Floor, Statham House
Talbot Road

Trafford
Manchester
M32 0FP

We kindly ask, so we can investigate your complaint as quickly as possible. You include as much detail as you can, however if we are missing anything we will be in touch. We will aim to come back to you within 3 working days of receiving your complaint.

5. Terms of Business

1. Who are we?

a. Car Loans 365 are an experienced Motor Finance Broker based in the North West of the UK.

b. Our friendly team are on hand to support you within this journey and are on hand to answer any questions you may have.

c. Our aim is to provide you with the best service and to try to obtain the best financial acceptance to fit your circumstance. We work with a panel of lenders in order to help you obtain an acceptance.

d. Treating Customers Fairly (TCF) is a core part of our culture and we are committed to ensuring you receive a product suitable for your needs and circumstance.

2. Contact us

a. Should you have any questions prior to making an application, or have any queries during or after your application has been made, you can contact us on the following information

E: EMAIL – customercare@carloans365.com

T: NUMBER – 0161 4103 365

P: ADDRESS – MacLaren House, Talbot Road, Old Trafford, M32 0FP

3. Regulation

a. Car Loans 365 is a trading style of HT Finance Ltd.

b. HT Finance Ltd is a firm registered within England and Wales, company number 11481948.

c. We are authorised and regulated by the Financial Conduct Authority (‘FCA’), under FRN 821383.

d. We act as a credit broker, not a lender.

e. You will not be charged a fee for using our services; however, we must inform you that we may receive a commission payment from the lender we introduce your information too.

This will not impact any rate you are offered.

f. We will never provide you with a recommendation

4. Finance Options

a. In order to assist you with obtaining vehicle finance, your details will be passed over to lenders with whom we work with.

b. Our lending panel, in order to assess your credit worthiness, will check your information with credit reference agencies, and potentially fraud prevention agencies.

c. They will also use the information that you have provided us to assist them in assessing your current status and affordability.

d. Please note that we cannot guarantee an acceptance and all potential finance is subject to terms and status.

e. Before entering into any agreement, you should ensure you have fully read and understood the agreement you are considering entering into.

f. We encourage you to take the time to read through any documentation provided, and please do ask any questions you may have.

5. Affordability

a. It is extremely important that you look into finance options that are suitable for your current (and potential future) financial situation.

b. Our team will go over all your details to ensure we have the correct information to pass onto our lenders, who will then try to verify the information. However, please note that evidence of your income may be requested.

c. If you are aware or suspect that your financial position will change in the future, you must inform us.

d. Your credit rating could be adversely affected if you do not make payments when due.

6. Complaints

a. If you wish to make a complaint, please do contact us using the contact information above.

b. For full information on how we handle complaints, please see our complaints procedure Legal Disclaimers – Carloans365.

7. Your Information

a. In order to process your application, you will need to provide us with some of your personal information. We pride ourselves on handling your information in the most secure and

professional way we can.

b. Your data will not be processed without your explicit consent for us to do so, therefore if you do not wish for your application to be processed, we kindly ask that this is not

submitted.

c. As mentioned above, your information will be passed over to our lender network in order to try to obtain you a finance acceptance. Whilst we have assessed the lenders we work

with; we have included their information within our privacy policy so you can fully research how they will use your information.

d. For further detail on how your information is used by us and who it will be shared with, please view our privacy policy here – Legal Disclaimers – Carloans365.

e. Our ICO number is ZA519190.

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