Here at CarCity, we care about your privacy and we respect your privacy rights.
Personal information we collect
When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device.
Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”
We collect Device Information using the following technologies:
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– “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
– “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.
Additionally, when you register through the Site, we collect certain information from you, including your name, address, email address, and phone number, financial and credit card information, employment history, health information, credit history, identification records, qualifications and vehicle or asset details. We refer to this information as “Registration Information.”
If you contact us, we may keep a record of that correspondence;
How do we use your personal information?
We use the Registration Information that we collect generally to fulfil any enquiries placed through the Site. Additionally, we use this Registration Information to:
A. To verify your identity, assess your suitability for the products and services that you have requested, and decide whether to enter into an agreement with you, such as: carrying out credit reference and scoring checks, checking details on proposals and insurance claims, checks for criminal proceedings / convictions, carrying out financial assessments, anti-money laundering, terrorist financing and fraud prevention checks which may include sharing personal data with fraud prevention agencies, and managing credit or credit related accounts or facilities.
B. To manage, administer and take decisions regarding your agreement, such as: providing products and services to you, exercising our rights, and performing our obligations, in connection with the agreement, making payments and recovering monies.
C. Where it is necessary for our legitimate business interests, such as: improving customer service, market research, quality assurance, training staff, marketing (where we are permitted to send you promotional information), system development and statistical analysis on your personal data even if your application is declined by us or you decide not to complete your application with us.
D. To meet our legal and regulatory obligations.
We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).
Sharing your personal information
We share your Personal Information with third parties to help us use your Personal Information, as described above.
Exchange of Information with Credit Reference Agencies
In considering whether to enter into this agreement, we may use your personal data for making a credit check on you. We may carry out a search with a credit reference agency who will keep a record of our enquiry against your name. We may search your personal records at credit reference agencies which may be linked to your spouse/partner or other persons with whom you are linked financially (“associated records”) and you may be assessed with reference to “associated records”. More specific information in respect of the credit reference agencies with whom we share your personal data is available at personal data is available at: www.icb.ie
Where any search or application is completed or agreement entered into involving joint parties, we may record details at credit reference agencies, as a result an “association” will be created that will link your financial records.
Where you provide us with personal information belonging to a third party, you must ensure you have obtained the necessary consents in order to disclose their information and have provided them with a copy of this notice.
We may also make periodic searches of credit reference agencies to manage your account with us, including for the purpose of making decisions about whether to make further credit available or to continue or extend existing credit.
We may also add to your or, if applicable, your business’s record with the credit reference agencies details of your Agreement with us, any payments you make under it and any default or failure to keep to its terms. These records will remain on the credit reference agencies file for 6 years after our agreement with you is settled or terminated whether settled by you or, if applicable, your business or by way of default. The credit reference agencies may add to their record about you, or, if applicable, your business, details of our search and your application whether or not your application proceeds. The credit reference agencies supply to us both public (including electoral register) and shared credit information. We may also use credit scoring or other automated decision making systems. These credit scoring techniques and automated decision making systems may take into account any previous applications for finance, defaults or existing debt. The results of this decision may decide whether we provide you with our services or not. If you disagree with the results of an automated decision, you can request a review of your application.
N.B. the applicant will be required to provide the financial institution with evidence of identity and current permanent address in compliance with the provisions of the Criminal Justice Act, (Money Laundering and Terrorist Financing) 2010.
Finance figures and rates above are indicative only and subject to confirmation by the dealer.
By submitting the finance application form, I certify that all information provided on the form is complete and accurate, and I consent to the use and disclosure of this information for the purposes set out above. I acknowledge that the recipients of this information are authorized to contact me and to disclose any material mis-statements of fact on this proposal to their members and other relevant bodies. Where the applicant is a limited company or a partnership, I/we confirm that its directors/partners identified above have given their consent to a credit search being made as detailed above.
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