Privacy Policy

Sandhurst Associates Limited ("Sandhurst Associates Limited" and "We/Us/Our") is committed to ensuring that Your Information is used properly and is kept securely. This Privacy Policy explains how We will collect and use Your Information.

By submitting Your Information to the Sandhurst Associates Limited Site ("Find Me Car Finance") you are consenting to the processing of Your Information by Us and Our agents in accordance with this Privacy Policy.

Data Controller

Any information that you provide on this website is controlled by Sandhurst Associates Limited which is registered as a data controller with the Information Commissioner's Office in the United Kingdom under reference: Z2032925.

Sandhurst Associates Limited is a company registered in the United Kingdom with company number 06958589 and registered office at Sandhurst Associates Limited, The Granary, 50 Barton Road, Worsley, M28 2EB,

Sandhurst Associates Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 723591. It is also registered under the Data Protection Act 1998 under registration number Z2032925 and a member of BCCA.

If you have any queries about the information We hold about you, please contact us or call Us on 0800 808 5541. 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 Find Me Car Finance, 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 Find Me Car Finance or if you contact us and request assistance when using Find Me Car Finance.
• Details of your visits to Find Me Car Finance, 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:

• to contact you from time to time about our other financial products or services (which are … Bank accounts, Vehicle finance, Vehicle insurance, Credit cards, Vehicle purchase, Home credit loans, Guarantor loans, Log book loans, Mortgages, Personal loans, Secured loans, Short term loans, Credit score services) 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 click here.
• 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 Find Me Car Finance 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 (e.g. debt counsellors and insurers) 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.

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 Find Me Car Finance, 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 Find Me Car Finance; 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.

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 Find Me Car Finance, to store information about your preferences, to collect information about how visitors use Find Me Car Finance and to enable us to improve Find Me Car Finance. 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 Find Me Car Finance this may affect the quality of your visit to Find Me Car Finance.

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

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

Your Rights

You have the right to ask Us not to contact you for marketing purposes by clicking here or contacting Us by post at Sandhurst Associates Limited, The Granary, 50 Barton Road, Worsley, M28 2EB or via our Contact Form or by calling us on 0800 808 5541 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 Sandhurst Associates Limited, The Granary, 50 Barton Road, Worsley, M28 2EB. We reserve the right to charge a small administration fee for this service.

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. If this is the case we will inform you of Our decision and the reasons for that decision.

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.

Find Me Car Finance 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.

Updates

We may update this Privacy Policy from time to time. Please ensure that you check Our Privacy Policy regularly for updates.

Terms and Conditions

Website Terms and Conditions

Please read the details set out below carefully before using this website ("our Site"). By accessing our Site, you agree to accept and act in accordance with the following terms and conditions (the "Terms"). If you do not accept these Terms, please refrain from using our Site.

References to 'you', 'your' and 'yours' are references to the person(s) accessing our Site and the party/ies represented by such person(s).

References to 'we', 'us' and 'our' are references to Sandhurst Associates Limited.

Information About Us

This Site (Freedom Car Credit) is operated by Sandhurst Associates Limited (a company incorporated and registered in the United Kingdom with registered number 06958589) whose registered address is 139 Red Bank Road, Blackpool, Bispham, Lancashire, FY2 9HZ. Sandhurst Associates Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 723591. Freedom Car Credit is a trading name of Sandhurst Associates Limited. We are also registered as a data controller with the Information Commissioner's Office in the United Kingdom under reference: Z2032925.

All our products and services are subject to the terms and conditions of the applicable agreement governing their use.

Credit Reference

By making an application to us, you are consenting that we can refer your personal information to suitable third party lenders or credit brokers.

The relevant third party lender / credit broker will then carry out a visible credit search of your file with the Credit Reference Agencies in order to make a decision about your application. Multiple searches undertaken by financial providers may cause adverse effects on your file.

Your information will also be checked with fraud prevention agencies including CIFAS and other relevant organisations. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.

Further details explaining how the information held by fraud prevention agencies may be used can be obtained by contacting us on [email protected]

Third Party ompanies

All third party companies have their own individual privacy policies and consumers should refer to these in respect of how they will collect and use personal data.

Credit Reference Agencies

(The agencies do not keep 'blacklists' nor do they give any opinion about whether or not credit should be granted.) The main credit reference agencies are:

Callcredit Plc

Consumer Services Team,

PO Box 491,

Leeds,

LS1 5XX

Experian Limited

Consumer Help Service,

PO Box 8000,

Nottingham,

NG1 5GX

Equifax Plc

Credit File Advice Service,

PO Box 1140,

Bradford,

BD1 5US

Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voters roll) and records of most county court judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. The lenders share information through the agencies providing a history of how punctually payments are being made or have been made. Loan information is usually held on file for 6 years. Details of the voters roll may be held for much longer. Information about credit searches is kept for up to two years.

Other Agencies

CIFAS

Reports from CIFAS relating to fraud and fraud avoidance are also available to most lenders – these contain information indicating that fraud, or attempted fraud, has been notified by a lender. The information might not directly relate to you, it might relate to someone who has tried to impersonate you. Data available to members of CIFAS, may also be used to help make decisions on motor, household, credit, life and other insurance proposals for you and members of your household.

Accessing our Site

Access to our Site is permitted on a temporary basis and we reserve the right to withdraw or amend the service we provide on our Site without notice. From time to time we may restrict access to some parts of our Site, or our entire Site, to users who have registered with us.

Users

Our Site and the information contained within it is intended for those who access it from the United Kingdom. If you are viewing our Site from outside the United Kingdom you should note that the information contained within it may not be appropriate for use in other places and may not comply with the laws of any territory outside the United Kingdom. If you choose to access our Site from a country other than the United Kingdom you do so at your own risk and you are responsible for compliance with local laws. You are wholly responsible for your own use of our Site and the use of our Site by any person using your computer and you must ensure that any such person complies with these Terms.

To register with our lenders you must be over eighteen (18) years of age. You must ensure that the details provided by you on completion of our application form are correct and complete. You must inform us immediately of any changes to the information that you provided when registering by updating your personal details.

Use of Information

Neither the information, nor any opinion contained in our Site constitutes an offer or recommendation to enter into any financial transaction. Before making any decision or taking any action that might affect your personal finances or business, you should always consult a suitably qualified professional advisor. The contents of any materials posted on this Site are for information purposes only and do not constitute investment, financial or professional advice and no reliance should be placed on them. Any figures shown on this Site are subject to change.

Our Site Changes Regularly

We are constantly changing and improving our services. We may add or remove functionalities or features and we may suspend or stop a service altogether. We aim to update our Site regularly and may change the content at any time. Any of the material on our Site may be out of date at any given time and we are under no obligation to update such material.

Our Liability

These provisions should be read carefully as they exclude or limit our legal liability in connection with your use of our Site. Nothing in these Terms shall exclude liability that is not permissible under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation. These Terms do not apply to or affect our liability to you in respect of any product or service you may obtain from us using our Site and our liability to you in respect of such product or service is governed by the relevant set of terms and conditions applicable to such product or service. Whilst we have taken reasonable steps to ensure the accuracy and completeness of the information contained in our Site we accept no responsibility for your use of or inability to use or the results of your use of our Site nor for any errors or omissions contained in our Site nor if our Site is unavailable for any time or any period. We provide the Site"as is". The use of our Site and the materials contained in it are entirely at your own risk.

We shall not be responsible for any direct or indirect:

• financial losses (including without limitation loss of income, revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
• loss of goodwill or reputation;
• any loss or damage we could not reasonably have expected to foresee or reasonably have expected to occur,
• which you may suffer and which arises out of or in connection with any errors or omissions contained in our Site or your use of or access to our Site or your inability to use or the results of your use of our Site.

We shall not be responsible for the accuracy, functionality or performance of any third party software that may be used in connection with our Site.

Third Party Websites

Links contained in our Site might lead to other websites not under our control, and we shall not be responsible for the content, privacy practices, availability or use which you make of any linked site which is not operated by us or any link contained in a linked site not operated by us. Links on our Site are provided to you only as a convenience and we do not endorse or review any pages linked to our Site. Accordingly, you should read the terms and conditions of linked websites before using them and direct any questions or comments about the linked website's contents to the relevant website provider. You are not entitled (nor will you assist others)to set up links from your own websites to our Site (whether by hypertext linking, deep-linking, framing, toggling or otherwise) without our prior written consent, which we may grant or withhold at our absolute discretion. You are also not entitled to direct link (also known as "Hot Link") any images or content without our prior written authorisation.

Transmission of Information is at Your Risk

We cannot guarantee that the transmission of information or messages sent over the internet is completely secure as there is a possibility of interception at all times. Any transmission is at your own risk. We shall not be responsible for any loss, damages or costs whatsoever which you suffer or incur in connection with or arising out of any transmission of information or message sent by you to us or by us to you over the internet or the alteration, interception or misuse of such information. Once we have received your information or message we will use strict procedures and security features to try to prevent unauthorised access. It is your responsibility to keep security information, such as PIN numbers or passwords, secure at all times. We will never ask you for this information and you should not disclose it to any third parties. If you receive any email or other request for such information you should delete it immediately and should not respond. If you think you may have disclosed any security information you must advise us immediately.

Viruses, Hacking and Other Offences

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site will cease immediately. We will not be responsible for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.

Intellectual Property

All copyright, trademarks, logos, brands and all other intellectual property rights in our Site and its content(including without limitation the pages, screens, information and material) and all software and source codes connected with our Site are owned by or licensed to Sandhurst Associates Limited unless otherwise noted. You may print, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. You may not republish, retransmit, redistribute, sell, modify or deal in any way with or otherwise make such information or pages available to any other party or available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without our express prior written consent.

Other than as provided above you may not use or reproduce our trademarks, logos or brand names.

Governing law and disputes

These Terms and any dispute or claim arising out of or in connection with them or your use of our Site (including non-contractual disputes or claims) are governed by and interpreted in accordance with the laws of England. The English courts will have non-exclusive jurisdiction over any dispute or claim arising from or related to these Terms or your use of our Site (including non-contractual disputes or claims) provided always that you may bring any proceedings in your country of residence.

Information about you and your visits to our Site

Please read our privacy policy for information on how we collect and use your personal information.

How to contact us

If you would like further information in connection with anything on our Site or want to make a complaint, please contact us or call us on 0800 808 5541.  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