TERMS AND CONDITIONS FOR USE OF THE
CarFinanceForYou WEBSITE

ACCEPTANCE OF TERMS

By accessing the content of CarFinanceForYou you agree to be bound by the terms and conditions set out herein and you accept our privacy policy available at CarFinanceForYou If you object to any of the terms and conditions set out in this agreement you should not use any of the products or services on the Website and leave immediately.

You agree that you shall not use the Website for illegal purposes, and will respect all applicable laws and regulations. You agree not to use the website in a way that may impair the performance, corrupt the content or otherwise reduce the overall functionality of the Website. You also agree not to compromise the security of the Website or attempt to gain access to secured areas or sensitive information.

You agree to be fully responsible for any claim, expense, liability, losses, costs including legal fees incurred by us arising from any infringement of the terms and conditions set out in this agreement.

MODIFICATION

CarFinanceForYou reserve the right to change any part of this agreement without notice and your use of the Website will be deemed as acceptance of this agreement. We advise users to regularly check the Terms and Conditions of this agreement.

CarFinanceForYou have complete discretion to modify or remove any part of this site without warning or liability arising from such action.

LIMITATION OF LIABILITY

CarFinanceForYou will under no circumstance be liable for indirect, special, or consequential damages including any loss of business, revenue, profits, or data in relation to your use of the Website.

Nothing within this Agreement will operate to exclude any liability for death or personal injury arising as result of the negligence of CarFinanceForYou, employees or agents.

COPYRIGHT

All intellectual property of CarFinanceForYou such as trademarks, trade names, patents, registered designs and any other automatic intellectual property rights derived from the aesthetics or functionality of the Website remain the property of CarFinanceForYou.

By using the Website you agree to respect the intellectual property rights of CarFinanceForYou and will refrain from copying, downloading, transmitting, reproducing, printing, or exploiting for commercial purpose any material contained within the Website.

DISCLAIMERS

The information is provided on the understanding that the website is not engaged in rendering advice and should not be wholly relied upon when making any related decision.

The information contained with the Website is provided on a basis with no warranties expressed or otherwise implied relating to the accuracy, fitness for purpose, compatibility or security of any components of the Website.

We do not guarantee uninterrupted availability of the CarFinanceForYou Website and cannot provide any representation that using the Website will be error free.

THIRD PARTIES

The Website may contain hyperlinks to websites operated by other parties. We do not control such websites and we take no responsibility for, and will not incur any liability in respect of, their content. Our inclusion of hyperlinks to such websites does not imply any endorsement of views, statements or information contained in such websites.

SEVERANCE

If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall remain in force.

GOVERNING LAW AND JURISDICTION

This Agreement will be governed by the laws of England and any user of the Website hereby agrees to be bound exclusively by the jurisdiction of English courts without reference to rules governing choice of laws.

Should a finance application/proposal result,

Rates quoted are typical and can go up dependent on personal circumstances

USE OF YOUR INFORMATION

References to "We", "Us" or "Our" are references to CarFinanceForYou. and other companies in Our Group.*
By "your information" We mean the personal and financial information We obtain from you or from third parties (such as credit reference and fraud prevention agencies, joint account holders, other organisations who introduced us or act on your or Our behalf and from other companies within Our Group), We learn from the way you use and manage your account(s), and from the transactions you make, including the name of the supplier and the general nature of the goods or services you pay for using non-cash methods of payment.

We shall use your information:

To assess your application, manage your account and operate services We provide;

To recover debts and prevent fraud;

To understand more about you to enable Us to develop, improve and market Our products and services;

To profile your purchasing preferences;

For credit scoring, behavioural and statistical analysis.

On the basis that it is kept confidential, We may at any time give your Information to

Any organisation who introduced us or who acts on your or Our behalf;

Service providers and agents;

Other lenders/brokers who may be able to lend to you if We decline your application;

Anyone who has a legal right to require disclosure of your information;

Any organisation that requires disclosure of your information for regulatory purposes, whether or not their power is derived from an Act/Acts of Parliament.

You have a right to ask for a copy of your information if you apply to Us in writing (a small fee is payable) and to ask Us to delete or correct any information We hold about you that is wrong.

Credit Reference and Fraud Prevention Agencies:-

We shall use credit-scoring or other automated decision making systems to assess this application and to verify your identity. We shall search your records at credit reference agencies who shall supply Us with credit information as well as information from the Electoral Register. The agencies shall record details of the search whether or not this application proceeds. We and other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, your current spouse/partner who lives with you or any other individual identified as being financially associated with you (your "associate") or other members of your household.

Information held about you by the Credit Reference Agencies may already be linked to records relating to your associate/s or other members of your household. For the purposes of this application you may be treated as financially linked and your application shall be assessed with reference to any such records. From the information you have provided in your application form, a link between you and your associate/s, shall be created at credit reference agencies, which shall link your financial records. You and your associate/s understand that each other's information shall be taken into account in all future applications by either or both/all of you. This linking shall continue until one of you successfully files a "disassociation" at the credit reference agencies.

By providing details of a spouse or partner residing with you, you are also declaring that you are entitled to:-

Disclose information about your joint applicant and/or anyone else referred to by you as being your associate;
Authorise Us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.

It is important that you give Us accurate details. We shall check your details with fraud prevention agencies and if you give Us false or inaccurate information and We suspect fraud, We shall record this. We shall add to your records with credit reference and fraud prevention agencies information relating to your application or your Account and any default or failure by you to keep to its terms. These records and records obtained from credit reference agencies, as described above, shall be shared with other organisations that make searches and shall be used by Us and them to:-

Help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household;

Trace debtors, recover debts, prevent fraud, manage your accounts and/or insurance policies and check your identity to prevent money laundering.

If We are unable to accept your application We may pass it on to another lender who shall also search your record at a credit reference agency. The record of this search shall be kept and seen by other organisations that make searches. They may also use the automated systems and carry out the checks for the purposes referred to above.

We may make periodic searches of Group records, credit reference and fraud prevention agencies to manage your account with Us, to take decisions regarding credit, including whether to make credit available or to continue or extend existing credit. The searches shall not be recorded and shall not be seen or used by lenders to assess your ability to obtain credit.

You have the right of access to your personal records held by credit reference and fraud prevention agencies.

For security and training purposes We may record and/or monitor your use of Our website and e-mail and telephone communications between us. We may use cookies (small files stored on the hard drive of your computer which do not harm your computer) to enable Us to record your preferences. However, We do not store any personal information that other organisations could read and understand about you and We do not monitor your visits to websites not hosted by Us.

You consent to Us transferring your information to countries that do not provide the same level of data protection as the UK if necessary for the above purposes. If We do make such a transfer We shall put a contract in place to ensure that your information is protected.

*CarFinanceForYou at the time of printing means and its subsidiaries (whether direct or indirect).

CUSTOMER DECLARATION

Should your application be unsuccessful, we will pass these details to an alternative loan provider who will conduct a credit search with a credit reference agency to see whether they can find you an alternative loan. If you do not want us to take this step please notify us at point of application, your application will be processed by us in the usual way and we will inform you of the result. If unsuccessful, your details will not be passed to an alternative loan provider.
This Declaration is written as if one person were making an application. For joint applications please read 'I' as 'we', 'my' as 'our' and 'me' as 'us'. It is important that you read and understand the section in the box above entitled Use of Your Information (including Credit Reference and Fraud Prevention Agencies and Keeping You Informed. By proceeding with this application, you consent to Us using your information including sensitive data such as health data as outlined above.