Home
Privacy Policy

Privacy Policy

Bad credit?
Good Credit?

We offer quality used cars and specialist finance packages to suit your individual needs.

Apply Today

Terms & Conditions

DATA CONTROLLER

Any information that you provide on this website is controlled by Concept Car Credit Limited which is registered as a data controller with the Information Commissioner’s Office in the United Kingdom under reference: Z990127X

Concept Car Credit Limited (Company Number 5024184) whose registered office is at Unit E1, Europa Park, Stoneclough Road, Radcliffe, Gt Manchester, M26 1GG.

Concept Car Credit Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 659076.

If you have any queries about the information We hold about you, please email us on website@conceptcarcredit.co.uk or call Us on 0800 093 3385. Calls to this number are normally free for people ringing from a “fixed line” phone – but charges may apply if you call from a mobile telephone.

INFORMATION WE MAY COLLECT

We may collect and process the following information about you (“Your Information”):

Information that you provide when you visit Concept car Credit, register for and use Our online services, become a subscriber, request a quote, complete a loan application form or apply for any other product or service.
Information that you provide to Our partners, credit brokers and affiliates where you have consented to that information being passed to us.
Information you provide to us when you contact Us by email or SMS.
Information that we collect about you from documents that are available to the public, such as the electoral register, or from third parties such as credit reference agencies and fraud prevention agencies.
Information you provide if you report a problem with Concept car Credit or if you contact us and request assistance when using Concept car Credit.
Details of your visits to Concept car Credit, including, but not limited to, traffic data, location data, web logs and other communication data, whether this is required for our own purposes or otherwise and the resources that you access.

HOW WE USE YOUR INFORMATION

We use Your Information in the following ways:

Where and when we need your consent – There will be circumstances where we will only process your data if we have your consent to do so. For example, 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). You have a right at any time to ask us to stop the processing of that specific data.
to contact you from time to time about our other financial products or services (which are … Vehicle finance, Vehicle insurance, Vehicle purchase, Credit score services, or by WMS Group regarding warranty and GAP Insurance) by email and/or SMS, which we will only do with your express consent.
you have the right at any time to stop us from contacting you for marketing purposes. If you no longer wish to be contacted by us for marketing purposes, please email us on website@conceptcarcredit.co.uk or click on the unsubscribe link in our marketing emails;
to contact you and any person referred to by you in connection with your application or enquiry;
to process and respond to requests, enquiries and complaints received from you;
to identify a lender or other product provider and arrange for the provision of the loan or other products and services requested by you;
to communicate with you about products and services provided to or requested by you;
to update Our records;
to analyse trends and profiles and carry out assessment and analysis (including credit and/or behaviour scoring, market and product analysis);
for audit purposes;
to carry out customer satisfaction research;
to prevent or detect fraud;
to meet Our regulatory compliance and reporting obligations
to ensure that content from Concept car Credit is presented in the most effective manner for you and your computer
to develop and improve Our services to you and notify you about changes to Our services
to enable third parties to carry out any of the above purposes on Our behalf.

SHARING OF YOUR INFORMATION

We may share Your Information with third parties in the following ways:

We sometimes use agents and service providers to process Your Information on Our behalf. For example, we may use third parties to maintain Our IT systems. Where we use agents and service providers to process Your Information, We will ensure that they have adequate security measures in place to safeguard Your Information.
We will release your personal information when we are required to do so for legal or regulatory purposes or as part of legal proceedings.
We may give information we hold about you to third parties as part of the process of selling one or more of our businesses.
Your Information may be passed to credit reference, fraud prevention, law enforcement agencies and identity and address verification agencies whom may record and use Your Information and disclose it to other organisations for credit reference, debt tracing, fraud and money laundering prevention purposes.
We may transfer Your Information to Our partners, credit brokers and/or to potential lenders or third parties for the purposes of seeking or arranging finance for you, assessing your application and processing, administering and enforcing any subsequent loan which may be granted. The partners, credit brokers, potential lenders and third parties may share information with us in relation to your application and in accordance with their Terms and Conditions.
You confirm you have the consent of any other person whose details are provided by you in connection with your application or enquiry to provide that person’s Information to us and for us to use that person’s Information for the processing of any application that you may submit as a joint application.
We may also share your information with the following types of third-party organisations who may process your data on our behalf:
Analytics tools which may monitor your behaviour whilst on the Concept Car Credit website to allow Concept to constantly improve its user journey, design and content layout.
Online advertising solutions to allow us to show you relevant content about our vehicles and finance.
Customer feedback tools to ensure that we get your feedback that helps us improve our service to you.
Live chat services to help us speak to each other.
Marketing communications software to help us contact you more effectively.
Social media sites to show you relevant content about our finance products / services.
Google and Bing which are search engines which carries adverts. We buy advertising space on these search engines and this cookie helps us track conversions from the adverts we place. This conversion tracking helps us optimise our advertising campaign.
You may be contacted by our approved warranty and gap provider Motor Easy

WHERE WE STORE YOUR INFORMATION

All information you provide to us is stored on secure servers. Where We have given you (or where you have chosen) a user name, passcode and memorable word which enables you to access certain parts of Concept car Credit, you are responsible for keeping this user name, passcode and memorable word confidential. You must not share these with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do Our best to protect Your Information, We cannot guarantee the security of Your Information transmitted to Concept car Credit; any transmission is at your own risk. Once we have received Your Information, We will use strict procedures and security features to try to prevent unauthorised access.

SSL ENCRYPTION

This site uses SSL encryption for security reasons and for the protection of the transmission of confidential content, such as the inquiries you send to us as the site operator. You can recognise an encrypted connection in your browser’s address line when it changes from „https://“ to „https://“ and the lock icon is displayed in your browser’s address bar.

If SSL encryption is activated, the data you transfer to us cannot be read by third parties.

SERVER LOG FILES

The website provider automatically collects and stores information that your browser automatically transmits to us in „server log files“. These are:

Browser type and browser version
Operating system used
Referrer URL
Host name of the accessing computer
Time of the server request
IP address

These data will not be combined with data from other sources.

The basis for data processing to sell our vehicles and/or facilitate entry into a credit agreement with one of the lenders on our panel is Article. 6 (1) (a) GDPR, which allows the processing of data to fulfill a contract or for measures preliminary to a contract.

The basis for data processing to ensure that we meet our legal and regulatory obligations is Article 6 (1) (c) GDPR, which allows the processing of data to fulfil a legal obligation.

The basis for data processing for miscellaneous purposes such as marketing and analytic purposes is Article 6 (1) (f) GDPR, which allows the processing of data to to fulfil a legimitate business interest provided that this does not unjustifiably interfere with your rights to privacy.

HOW WE USE COOKIES

A “cookie” is a small piece of information that is stored on the browser on your computer’s hard drive. Most websites use cookies to improve the way the website works and to provide information to website operators about use of the website. We use cookies to allow you to use and navigate Concept car Credit, to store information about your preferences, to collect information about how visitors use Concept car Credit and to enable us to improve Concept car Credit. Most web browsers allow you to manage and block the use of cookies by changing your browser settings. If you choose not to accept cookies on Concept car Credit this may affect the quality of your visit to Concept car Credit.

You can find more information about the individual cookies we use and the purposes for which We use them in the table below:

Cookie	Name	Purpose	More Information
Source	utm_source	Used to identify source	This cookie will identify the source you used to find our website
Campaign	utm_campaign	Used to identify the campaign used	This cookie will identify the campaign you used to find our website

For more information on cookies (including how to switch them off) please visit www.allaboutcookies.org.

GOOGLE ANALYTICS

This website uses Google Analytics, a web analytics service. It is operated by Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA.

Google Analytics uses so-called „cookies“. These are text files that are stored on your computer and that allow an analysis of the use of the website by you. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the USA and stored there.

Google Analytics cookies are stored based on Article 6 (1) (f) GDPR. The website operator has a legitimate interest in analysing user behavior to optimise both its website and its advertising.

IP ANONYMISATION

We have activated the IP anonymisation feature on this website. Your IP address will be shortened by Google within the European Union or other parties to the Agreement on the European Economic Area prior to transmission to the United States. Only in exceptional cases is the full IP address sent to a Google server in the US and shortened there. Google will use this information on behalf of the operator of this website to evaluate your use of the website, to compile reports on website activity, and to provide other services regarding website activity and Internet usage for the website operator. The IP address transmitted by your browser as part of Google Analytics will not be merged with any other data held by Google.

BROWSER PLUGIN

You can prevent these cookies being stored by selecting the appropriate settings in your browser. However, we wish to point out that doing so may mean you will not be able to enjoy the full functionality of this website. You can also prevent the data generated by cookies about your use of the website (incl. your IP address) from being passed to Google, and the processing of these data by Google, by downloading and installing the browser plugin available at the following link: https://tools.google.com/dlpage/gaoptout?hl=en.

OBJECTING TO THE COLLECTION OF DATA

You can prevent the collection of your data by Google Analytics by clicking on the following link. An opt-out cookie will be set to prevent your data from being collected on future visits to this site: Disable Google Analytics.

For more information about how Google Analytics handles user data, see Google’s privacy policy: https://support.google.com/analytics/answer/6004245?hl=en.

DEMOGRAPHIC DATA COLLECTION BY GOOGLE ANALYTICS

This website uses Google Analytics‘ demographic features. This allows reports to be generated containing statements about the age, gender, and interests of site visitors. This data comes from interest-based advertising from Google and third-party visitor data. This collected data cannot be attributed to any specific individual person. You can disable this feature at any time by adjusting the ads settings in your Google account or you can forbid the collection of your data by Google Analytics as described in the section „Refusal of data collection“.

GOOGLE ANALYTICS REMARKETING

Our websites use the features of Google Analytics Remarketing combined with the cross-device capabilities of Google AdWords and DoubleClick. This service is provided by Google Inc., 1600 Amphitheater Parkway, Mountain View, CA 94043, USA.

This feature makes it possible to link target audiences for promotional marketing created with Google Analytics Remarketing to the cross-device capabilities of Google AdWords and Google DoubleClick. This allows advertising to be displayed based on your personal interests, identified based on your previous usage and surfing behavior on one device (e.g. your mobile phone), on other devices (such as a tablet or computer).

Once you have given your consent, Google will associate your web and app browsing history with your Google Account for this purpose. That way, any device that signs in to your Google Account can use the same personalised promotional messaging.

To support this feature, Google Analytics collects Google-authenticated IDs of users that are temporarily linked to our Google Analytics data to define and create audiences for cross-device ad promotion.

You can permanently opt out of cross-device remarketing/targeting by turning off personalised advertising in your Google Account; follow this link: https://www.google.com/settings/ads/onweb/.

The aggregation of the data collected in your Google Account data is based solely on your consent, which you may give or withdraw from Google as per Article 6 (1) (a) GDPR. For data collection operations not merged into your Google Account (for example, because you do not have a Google Account or have objected to the merge), the collection of data is based on Article 6 (1) (f) GDPR (legitimate interest). The website operator has a legitimate interest in analysing anonymous user behavior for promotional purposes.

For more information and the Google Privacy Policy, go to: https://www.google.com/policies/technologies/ads/.

GOOGLE ADWORDS AND CONVERSION TRACKING

This website uses Google AdWords. AdWords is an online advertising program from Google Inc., 1600 Amphitheater Parkway, Mountain View, CA 94043, United States („Google“).

As part of Google AdWords, we use so-called conversion tracking. When you click on an ad served by Google, a conversion tracking cookie is set. Cookies are small text files that your internet browser stores on your computer. These cookies expire after 30 days and are not used for personal identification of the user. Should the user visit certain pages of the website and the cookie has not yet expired, Google and the website can tell that the user clicked on the ad and proceeded to that page.

Each Google AdWords advertiser has a different cookie. Thus, cookies cannot be tracked using the website of an AdWords advertiser. The information obtained using the conversion cookie is used to create conversion statistics for the AdWords advertisers who have opted for conversion tracking. Customers are told the total number of users who clicked on their ad and were redirected to a conversion tracking tag page. However, advertisers do not obtain any information that can be used to personally identify users. If you do not want to participate in tracking, you can opt-out of this by easily disabling the Google Conversion Tracking cookie by changing your browser settings. In doing so, you will not be included in the conversion tracking statistics.

Conversion cookies are stored based on Article 6 (1) (f) GDPR (legitimate interest). The website operator has a legitimate interest in analysing user behavior to optimise both its website and its advertising.

For more information about Google AdWords and Google Conversion Tracking, see the Google Privacy Policy: https://www.google.de/policies/privacy/.

You can configure your browser to inform you about the use of cookies so that you can decide on a case-by-case basis whether to accept or reject a cookie. Alternatively, your browser can be configured to automatically accept cookies under certain conditions or to always reject them, or to automatically delete cookies when closing your browser. Disabling cookies may limit the functionality of this website.

NEWSLETTER DATA

If you would like to receive our newsletter, we require a valid email address as well as information that allows us to verify that you are the owner of the specified email address and that you agree to receive this newsletter. No additional data is collected or is only collected on a voluntary basis. We only use this data to send the requested information and do not pass it on to third parties.

We will, therefore, process any data you enter onto the contact form only with your consent as per Article 6 (1) (a) GDPR. You can revoke consent to the storage of your data and email address as well as their use for sending the newsletter at any time, e.g. through the „unsubscribe“ link in the newsletter. The data processed before we receive your request may still be legally processed.

The data provided when registering for the newsletter will be used to distribute the newsletter until you cancel your subscription when said data will be deleted. Data we have stored for other purposes (e.g. email addresses for the members area) remain unaffected.

MAILCHIMP

This website uses the services of MailChimp to send newsletters. This service is provided by Rocket Science Group LLC, 675 Ponce De Leon Ave NE, Suite 5000, Atlanta, GA 30308, USA.

MailChimp is a service which organizes and analyses the distribution of newsletters. If you provide data (e.g. your email address) to subscribe to our newsletter, it will be stored on MailChimp servers in the USA.

MailChimp is certified under the EU-US Privacy Shield. The Privacy Shield is an agreement between the European Union (EU) and the US to ensure compliance with European privacy standards in the United States.

We use MailChimp to analyze our newsletter campaigns. When you open an email sent by MailChimp, a file included in the email (called a web beacon) connects to MailChimp’s servers in the United States. This allows us to determine if a newsletter message has been opened and which links you click on. In addition, technical information is collected (e.g. time of retrieval, IP address, browser type, and operating system). This information cannot be assigned to a specific recipient. It is used exclusively for the statistical analysis of our newsletter campaigns. The results of these analyses can be used to better tailor future newsletters to your interests.

If you do not want your usage of the newsletter to be analysed by MailChimp, you will have to unsubscribe from the newsletter. For this purpose, we provide a link in every newsletter we send. You can also unsubscribe from the newsletter directly on the website.

Data processing is based on Article 6 (1) (a) GDPR (consent). You may revoke your consent at any time by unsubscribing to the newsletter. The data processed before we receive your request may still be legally processed.

The data provided when registering for the newsletter will be used to distribute the newsletter until you cancel your subscription when said data will be deleted from our servers and those of MailChimp. Data we have stored for other purposes (e.g. email addresses for the members area) remains unaffected.

For details, see the MailChimp privacy policy at https://mailchimp.com/legal/terms/.

YOUTUBE

Our website uses plugins from YouTube, which is operated by Google. The operator of the pages is YouTube LLC, 901 Cherry Ave., San Bruno, CA 94066, USA.

If you visit one of our pages featuring a YouTube plugin, a connection to the YouTube servers is established. Here the YouTube server is informed about which of our pages you have visited.

If you’re logged in to your YouTube account, YouTube allows you to associate your browsing behavior directly with your personal profile. You can prevent this by logging out of your YouTube account.

YouTube is used to help make our website appealing. This constitutes a justified interest pursuant to Article 6 (1) (f) GDPR (legitimate interest).

Further information about handling user data, can be found in the data protection declaration of YouTube under https://www.google.de/intl/de/policies/privacy.

GOOGLE MAPS

This site uses the Google Maps map service via an API. It is operated by Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA.

To use Google Maps, it is necessary to save your IP address. This information is generally transmitted to a Google server in the USA and stored there. The provider of this site has no influence on this data transfer.

The use of Google Maps is in the interest of making our website appealing and to facilitate the location of places specified by us on the website. This constitutes a justified interest pursuant to Article 6 (1) (f) GDPR (legitimate interest).

Further information about handling user data, can be found in the data protection declaration of Google at https://www.google.de/intl/de/policies/privacy/.

YOUR RIGHTS

You have the right to ask Us not to contact you for marketing purposes by emailing us on website@conceptcarcredit.co.uk or contacting Us by post at Concept car Credit Limited, Unit E1, Europa Park, Stoneclough Road, Radcliffe, Gt Manchester, M26 1GG or by calling us on 0800 093 3385. Calls to this number are normally free for people ringing from a “fixed line” phone – but charges may apply if you call from a mobile telephone.

You also have the right to access Your Information and request details of the third parties with whom we have shared Your Information with by contacting Us [in writing] at Concept car Credit Limited, Unit E1, Europa Park, Stoneclough Road, Radcliffe, Gt Manchester, M26 1GG. We reserve the right to charge a small administration fee for this service if you submit a repeat request.

You may correct errors in or update Your Information or request that we remove information about you from Our records by sending Us a request to the postal address or email address above. In most cases we will comply promptly with your request and let you know when we have done so. However, sometimes we will not be obliged to comply with your request. For example, if we are under a legal obligation to continue to store your personal information. If this is the case we will inform you of Our decision and the reasons for that decision and inform you about the possbility of lodging a complaint with the Information Commissioner’s Office (ICO)

To protect your privacy and the security of Your Information, We may take reasonable steps to verify your identity before we act on any request which you may make in respect of Your Information.

Concept Car Credit may, from time to time, contain links to and from the websites of our partner networks and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that We do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal information to these websites.

You are able to request that we restrict how we use your personal information. For example, you can request that we only use your personal information to facilitate entry into a credit agreement but request that we do not share them with other third parties for marketing purposes.

You are able to request a copy of your personal information in a machine-readable format such as CSV file or Excel, for example, if you want to provide them to another service provider.

In the unlikely event that you are unhappy with the way we use your personal information you can lodge a complaint with the ICO. We encourage that, in the first instance, you complain to us and give us an opportunity to address your dissatisfaction.