CIFAS - Credit Industry Fraud Avoidance System

Preventing Fraud and Protecting Your Data

At Get Car Credit Ltd we prioritize your security and aim to prevent fraud and money laundering. To achieve this, we conduct checks and verify your identity before offering our services, goods, or financing. These checks involve processing personal data about you, which may include the following information:

- Name
- Date of birth
- Residential address and address history
- Contact details (email address and telephone numbers)
- Financial information
- Employment details
- Vehicle details

The processing of your personal data by us and fraud prevention agencies is based on our legitimate interest in preventing fraud and money laundering, as well as complying with applicable laws. It is also a contractual requirement for the requested services or financing. To detect, investigate, and prevent crime, we may allow law enforcement agencies access to your personal data. Fraud prevention agencies can retain your data for varying periods, with a maximum retention period of six years if you are deemed to pose a fraud or money laundering risk.

Automated decisions may be made during the processing of your personal data. For example, if your behaviour aligns with known money laundering or fraudulent conduct, or if you appear to have concealed your true identity, we may determine that you pose a fraud or money laundering risk. If you have any questions about automated decision making, please contact us.

Consequences of Processing

Should we or a fraud prevention agency determine that you pose a fraud or money laundering risk, we may decline to provide the requested services, goods, or financing. Additionally, we reserve the right to terminate existing services. Please note that fraud prevention agencies keep records of any fraud or money laundering risks identified, which may impact your ability to receive services, financing, or employment from other providers. If you require further clarification, feel free to reach out to us.

Data Transfers

When transferring your personal data outside the European Economic Area, fraud prevention agencies ensure that the recipients adhere to contractual obligations to maintain the same level of data protection as required within the European Economic Area. These agencies may also require recipients to subscribe to international frameworks that facilitate secure data sharing.

Your Rights

Your personal data is safeguarded by legal rights, including:

- The right to object to the processing of your personal data
- The right to request the erasure or correction of your personal data
- The right to request access to your personal data

If you are dissatisfied with how your personal data has been used, please refer to our complaints policy. You also have the right to lodge a complaint with the Information Commissioner's Office, which oversees the processing of personal data.

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