PRIVACY
POLICY

CARZU PRIVACY POLICY

This Privacy Policy sets out how Carzu uses and protects any information that you give us when you use this website.

We are committed to safeguarding the privacy of our visitors. By using and visiting our website and using our service you agree to this privacy policy.

We ask that you read this Privacy Policy carefully as it contains important information about how we will use your personal data.

All financial applications submitted to Carzu are processed and/or administered by Jigsaw Finance Limited who is a broker and not a lender.

For the purposes of the Data Protection Act 1998, we are the 'data controller' (i.e. the company who is responsible for, and controls the processing of your personal data).

Carzu reserves the right to make changes to the policy so please ensure you have reviewed this page for changes.

Collecting personal information

We will collect personal information or personal data about you in various ways, including:

  1. When you register an account, login to your account, complete an application form or a contact form.
  2. When you participate in any market research or promotions provided by the Jigsaw Finance Group.
  3. Information provided to the business, from business partners, and from other organisations such as credit reference agencies and fraud prevention agencies.

Please note that all phone calls to our offices will be recorded and monitored for quality and training purposes.

How is this information used?

We use the information collected from you to provide you with the services we offer and for the following reasons:

  1. Provide you with information you require or have requested
  2. Assess any credit application, which will include confirming your identity and the prevention of fraud or money laundering.
  3. This information will be submitted to the most appropriate lender.
  4. We may also use or disclose information to the extent required by law, court order, as requested by other government law enforcement authority, or to enforce legal rights.
  5. Deliver marketing communications to you relating to our business. You have the right to opt out at any time by putting your request in writing along with your full name, and email it to info@carzu.com.
  6. Contact you by email, phone, SMS or post as requested.
  7. Send you other business related communications.
  8. Responding to any communication you send us.
  9. To handle any enquiry or complaint you make relating to our website or business.

Disclosing personal information

Carzu may also share your information with other companies within the Jigsaw Finance Group for the administration of any products or services provided to you by any company within the Group.

They may also provide you with information about other products and services that they provide. If you have provided your consent we may also share your information with marketing agencies, who provide marketing services on behalf of the Group, to promote the products and services provided by the Group or other carefully selected companies.

Please be aware that we will not sell or otherwise disclose any personal data provided to us to any other party without your express permission.

Third party websites

When you visit our website our advertisements may be used by Google for the purposes of remarketing, and they may appear on other third party websites you visit across the internet for remarketing purposes. Google and other third parties will use cookies to tailor advertisements for website users based on their previous visit to our website. We do not have any control over the advertisements you see on other third party websites however you can request to opt out or customise these advertisements by using the Google Ads Preferences Manager. We also use cookies on our website. More information about the use of cookies on our website can be found here.

Security Information

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable procedures to safeguard and secure the information we collect online.

We currently protect personal data by storing it on an internal CRM system that is password protected with restricted access.

Whilst we will use all reasonable efforts to protect such personal data, you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data which are transferred from you or to you via the internet.

Joint Applicants

If you provide personal information about someone else, for example a joint application, you must only do so with the consent of the other person. If you enter into a product jointly with another person your data will be shared with the other person.

If you provide information about others, you confirm that the other person has given you authority to act on their behalf and has agreed that you can provide their personal data.

Controlling your personal information

If for any reason you are concerned that the personal information we hold about you is incorrect, or if you would like your personal information removed from our records please contact us by email at info@carzu.com and we will be happy to review, update or remove information as appropriate.

If you have previously agreed to us using your personal information for marketing purposes, you may change your mind at any time by putting your request in writing along with your full name, and email it to info@carzu.com. Alternatively you can change your preferences online by logging into your account area and updating your marketing preferences.

In accordance with the data protection act 1998 you may request details of personal information we hold about you. A fee of £10 will be charged to cover costs incurred. Any requests should be made to: Compliance Manager, Carzu, Genesis Centre, Innovation Way, North Staffs Business Park, Stoke on Trent, Staffordshire, ST6 4BF.

Application Process / Credit reference agencies

In processing your application, we will carry out a credit search, to determine the most suitable lender to meet your requirements, however no foot print will be left on your file. One or more further credit searches will be carried out by the chosen lender/s. They will/may add to your record details of their search and your application and this will be seen by other organisations that make credit searches. We may request a credit check with more than one finance provider.

Searches will also be made in respect of Directors and Partners of firms applying for credit. Information held about you by the credit reference agencies may already be linked to records relating to other people with whom you have a financial association. In connection with your application you may be treated as financially linked with them and assessed with reference to any such associated records.

Changes to the Privacy Policy

Please note that this policy will be reviewed, and may change, from time to time. The revised policy will be posted to this page so that you are always aware of the information we collect, how we use it and under what circumstances we disclose it.

Last updated: 9th March 2017.