Last Reviewed October, 2024
Privacy Policy for Brightlend.co.ukLast Updated:
1. Introduction
Brightlend.co.uk is operated by Automotive Online Ltd (“We,” “Us,” “Our”). We are committed to protecting and respecting your privacy. This policy outlines how we collect, store, process, and use your personal data in accordance with the General Data Protection Regulation (GDPR), the Data Protection Act 2018, and other applicable laws and regulations, including guidance from the Financial Conduct Authority (FCA) and the Information Commissioner’s Office (ICO).
2. About Us
Automotive Online Ltd is registered in England (Company Number: 07968386) and is an authorised credit broker, not a lender. Our registered address is This Work Space, The Echo Building, 18 Albert Road, Bournemouth, BH1 1BZ. We are authorised and regulated by the Financial Conduct Authority (FRN: 764855), and our data protection registration number is ZA458903.
For any questions about this policy, please contact Paul Williams at paul.williams@quickcarfinance.co.uk or call 01202 286500.
3. What Data We Collect
We may collect the following types of personal data:
• Name, address, email address, and telephone number. • Financial information including bank details, employment status, and income. • Identification information such as your date of birth and national insurance number. • Details of your interaction with us, including applications and any communication with us.
We collect this data when you apply for our services, use our website, or contact us directly.
4. How We Use Your Personal Data
We use your personal data for the following purposes:
• To provide credit brokerage services and manage your applications. • To perform credit checks and assessments. • To communicate with you regarding your application or other inquiries. • To comply with our legal and regulatory obligations, including those set by the FCA. • To tailor the services we offer to you based on your preferences and needs. • To carry out fraud prevention and anti-money laundering checks.
5. Legal Basis for Processing
We will only process your personal data where we have a legal basis to do so, including:
• Consent – You have given consent for your data to be processed for specific purposes. • Contract – Processing your data is necessary for the performance of a contract with you or to take steps at your request prior to entering a contract. • Legal obligation – We need to process your data to comply with a legal or regulatory obligation. • Legitimate interests – Processing is necessary for the purposes of legitimate interests pursued by us or a third party, such as fraud prevention.
6. Sharing Your Personal Data
We may share your personal data with the following third parties:
• Lenders and finance partners (e.g., Savvy Loans, MyFinanceClub, One Stop Money Shop, T Dot UK Limited, etc.) to facilitate the provision of credit. • Peppy Solutions software for website analytics and lead processing.
We ensure that any third parties we share data with comply with GDPR and FCA standards.
7. How Long We Keep Your Data
We retain your personal data for as long as is necessary for the purposes outlined in this policy or as required by law. Typically, we retain customer data for up to 7 years after your application to comply with our legal and regulatory obligations.
8. Your Rights
Under the GDPR, you have the right to:
• Access your personal data. • Rectify incorrect or incomplete data. • Request deletion of your personal data (right to be forgotten). • Restrict or object to the processing of your data. • Request data portability. • Withdraw your consent where processing is based on consent.
You can exercise any of these rights by contacting us at paul.williams@quickcarfinance.co.uk or calling 01202 286500.
9. Automated Decision Making
We may use automated systems to assess your creditworthiness. You have the right to object to automated decision-making or profiling. If you wish to contest an automated decision, please contact us using the details above.
10. Data Security
We are committed to ensuring the security of your personal data. We use industry-standard security measures such as:
• SSL encryption on our website. • Encrypted customer relationship management (CRM) systems.
11. International Data Transfers
While we store your data within the UK, some of our third-party service providers may store or process data outside the European
Economic Area (EEA). In such cases, we will ensure your data is protected in line with GDPR by verifying that these providers adhere to equivalent privacy standards.
12. Complaints
If you are unhappy with how we process your personal data, you can contact the Information Commissioner’s Office (ICO) at www.ico.org.uk or call their helpline at 0303 123 1113.
13. Changes to This Policy
We may update this policy from time to time. Any significant changes will be communicated via our website. Please check back regularly for updates.
