Carzu is a trading style of Car-Finance.net Limited. Car-Finance.net Limited FRN:720875 is an appointed representative of Jigsaw Finance Limited which is authorised and regulated by the Financial Conduct Authority FRN 679612.
The information we ask you to provide by which you can be identified will only be used as detailed in this policy statement.
For the purposes of the General Data Protection Regulation (GDPR), Carzu is both the ‘data processor’ and the 'data controller’ (i.e. the company who is responsible for controlling and the processing of your personal data).
All financial applications submitted to Carzu are processed and/or administered by Jigsaw Finance Limited. Jigsaw Finance Limited is a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products.
We are not an independent financial advisor; we will provide details of the products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you.
Whichever lender Jigsaw Finance Limited introduces you to, we will typically receive a commission from them the amount of commission will be made available upon request.
This policy document contains the following sections:
We will collect personal information or personal data about you in various ways, including:
Your data may be provided to us by third parties outside of our business, that we have affiliations with. We will only use this information where these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.
We use the information collected from you to provide you with the services we offer and for the lawful processing of the data based on the following:
Subject to applicable laws we will monitor and record calls, email, text messages, social media messages, and other communications. In particular, telephone calls between us and you in connection with the application and any loan may be recorded for these purposes.
We may share your personal information with the following parties;
We may provide your information to any of the following third parties:
Credit reference agencies: Callcredit Ltd, Experian Ltd, Equifax Ltd
Callcredit Ltd, Experian Ltd, Equifax Ltd
Microsoft Azure: https://azure.microsoft.com/en-gb/support/legal/
Dealtrak Limited: https://www.dealtrak.co.uk/applicant-privacy-policy
VoIP Studio: https://voipstudio.com/privacy-policy/
Hooyoo (identity checking): https://www.hooyu.com/legal/privacy-policy
DocuSign (electronic signatures): https://www.docusign.co.uk/company/privacy-policy
In processing your application, we will carry out a credit search, to determine the most suitable lender to meet your requirements, however, this will not impact your credit score.
We may share your information with more than one finance provider, which could result in one or more further credit searches being carried out by the chosen lender/s. They will/may perform credit and identity checks on you with one or more credit reference agencies (“CRAs”), which will/may result in their search being visible to other organisations that make credit searches.
When your information is shared by us or by the chosen lender/s with a CRAs, the CRAs will provide back personal information. This will include information about your financial situation and financial history. CRAs will supply to them/us both public (including the electoral register) and shared credit, financial situation and financial history information, and fraud prevention information. This information will be used to:
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods, and your data protection rights with the CRAs are explained in more detail at each of the three CRAs websites – clicking on any of these three links will take you to the same CRAIN document:
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.
If you provide personal information about someone else, for example, a joint application or a Guarantor 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
Should data be transferred outside of the UK, then it will only be transferred to the EU.
There will be circumstances where we will only process your data if we have your consent to do so. For example, if you provide us with data that is classed as a special category of data such as health information, criminal records of convictions and offences, or allegations of criminal offences. We will only process this with your permission (unless we feel the processing is necessary to protect your vital interests or if the law allows us to do so). You have a right at any time to ask us to stop the processing of that specific data.
Several companies in our lending panel operate automated credit scoring systems as part of their assessment process. However, your application is also subject to a manual assessment by our underwriting team. If your application is rejected solely based on a credit scoring system, you can request that your application is manually assessed as part of the reconsideration.
If your application for finance is declined or if your application is accepted but you do not proceed, we will retain your information for 3-years or as long as necessary to deal with any queries you may have.
If your application is accepted and you proceed, then we will retain your information indefinitely following the end of your contract for the following:
We may hold your information for a longer or shorter period from that described above where:
Your personal information is protected under data protection law and you have a number of rights that you can enforce against us as your data controller. You should be aware that these rights do not apply in all circumstances. If you seek to exercise one against us it will at that stage be explained to you whether the right does apply to you based on the facts. Your rights are as follows:
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 email@example.com and we will be happy to review, update or remove information as appropriate.
If you asked to be removed from our database, we will mark your account “Closed” but will keep your information as per the retention period requirements. However, if you close your account then your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties unless required by law.
In accordance with the General Data Protection Regulation, you may request details of personal information we hold about you. Any requests should be made to Compliance Manager, Jigsaw Finance Limited, Genesis Centre, Innovation Way, North Staffs Business Park, Stoke on Trent, Staffordshire, ST6 4BF.
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 using safeguards such as firewalls and data encryption and password protection. Our buildings have secure access on all floors and staff operate under strict data controls.
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.
Jigsaw Finance 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 offer. 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.
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 or by emailing it to firstname.lastname@example.org.
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.
Under the General Data Protection Regulation, you have the right to report a concern with a Supervisory Authority which in the United Kingdom is The Information Commissioner’s Office. (ICO) You can report concerns via the ICO website, but please allow us the opportunity first to understand your issue and see if we can resolve matters with you. You can visit its website for more information: www.ico.org.uk
Jigsaw Finance Limited
Genesis Centre Innovation Way
Stoke on Trent
Phone 01782 450745
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 26/06/2023