Privacy Policy

The following privacy policy explains the circumstances in which Gofor Finance Ltd will collect personal data from you, why it is being collected, how we will use it and who we might disclose it to if necessary.

Gofor Finance Ltd is committed to complying with the UK’s Data Protection law and the EU General Data Protection Regulation (GDPR) for the protection of personal data. If you have any questions about this privacy policy or how we use your personal data, please contact us in writing at:

Gofor Finance Ltd
Lochside House
3 Lochside Way
Edinburgh
EH12 9DT

By Phone: 0345 299 0450
By Email: info@gofor.co.uk

What data is being collected and processed?

In order to enter into a broker agreement with Gofor Finance Ltd, we will collect, store and use elements of your personal data. The processing of this personal data is a contractual requirement and is necessary in order to provide the products and services you have requested from us and administer your account.

When you engage the services of Gofor Finance Ltd, we will ask your consent to collect and process your personal data. Failure to provide this consent and/or personal data may mean we will be unable to execute the contract and will result in termination of our services.

The information that you will normally need to disclose is:

  • title
  • first name(s), surname or company name (including representation as the case may be)
  • address (street, street number, postal code, city and country/region)
  • email address
  • date of birth
  • telephone and mobile number
  • employment details (employer name, employer address, employment history)
  • monthly income and expenditure
  • bank details (account number, account holder and card number)
  • VAT ID number (as the case may be)

We will also monitor, record, store and use any telephone, email or other electronic communications with you for training purposes so that we can check any instructions given to us and to improve the quality of our customer service.

Website Cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

Direct Marketing Communications

If you have chosen to opt-in to our direct marketing communications, we will use your information to tell you about products and services available from us which may be of interest to you. We may also use your information to tell you about products and services which we can introduce from selected businesses.

You have a right to opt-out of our direct marketing communications at any time. You can opt-out by following the withdrawing consent instructions below.

Withdrawing Consent

You have the right to withdraw your consent for us to collect, process and store your data at any time. If you wish to withdraw your consent, please confirm this in writing to us:

By Post:

Gofor Finance Ltd
Lochside House
3 Lochside Way
Edinburgh
EH12 9DT

By Email: info@gofor.co.uk

Please note, by withdrawing consent, Gofor Finance Ltd may be unable to execute the contract that you have entered into with us and will result in termination of our services. The withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal.

Updating Personal Data

If you believe the personal data we hold about you is inaccurate or incomplete, you have the right to request rectification. Where possible, we will also inform any third parties to whom we have disclosed the personal data in question to so they can rectify their records.

How long will the data be stored for?

Whenever we collect or process your personal data, we’ll only keep if for as long as it is necessary for the purpose for which it was collected (as set out above) or as required by law. In most circumstances this means we will retain your personal data for the longest period required to comply with our regulatory, legal and contractual obligations whilst at all times having regard to our operational requirements, such as proper account maintenance, facilitating client relationship management, and responding to legal claims or regulatory requests, as well as balancing these requirements with your right to be forgotten. For instance, most of our client’s information is kept for the duration of the contractual relationship and after the end of the contractual relationship for the period needed to meet regulatory requirements and to ensure the exercise or defence of legal claims.

Right to be forgotten

You have the right to request for all information to be removed. Upon your request we will remove all data held. We will however keep the request from you in which you have asked for your information to removed.

Sharing of data with other data controllers

Here at Gofor Finance Ltd we take your privacy seriously and the information we hold about you is confidential. We will only disclose it outside Gofor Finance Ltd when:

  • you have given us your consent to do so
  • it is necessary for the performance of an agreement of which you will be made aware
  • in order to obtain professional advice (e.g. legal advice)
  • we or others need to investigate or prevent crime (e.g. to fraud prevention agencies)
  • the law permits or requires it
  • regulatory or governmental body requests or requires it, even without your consent, or
  • there is a duty to the public to reveal the information

In order to administer your contract, we may need to share some of your personal information with other data controllers. This processing is necessary for the purposes of delivering specific services to you. You agree that we can share or use your personal data with any of our appointed agents or suppliers to allow us to provide you services and products you have asked us to provide you under this agreement, such as to facilitate delivery of your vehicle, to collect the vehicle from you or notify you of a vehicle safety recall. Other data controllers which we may share this information with may include:

  • Credit reference agencies (to propose you for vehicle finance)
  • The finance provider (to generate the finance agreement)
  • The supplying dealer group (to order and deliver the vehicle)
  • Claims handling and fraud prevention agencies (to investigate or prevent crime)

Credit reference agencies

In considering your application, we will search your record at credit reference agencies. They will add to your record details of our search and your application and this will be seen by other organisations that make similar searches. On occasion, we may request a credit check with more than one finance provider.

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. Searches may also be made in respect of directors and partners of firms applying for credit.

If you are a joint applicant or if you have told us of some other financial association with another person, or a director of a firm which is applying for a facility you are declaring that you are entitled to:

  • disclose information about your joint applicant, fellow directors and anyone else referred to by you
  • authorise us to search, link or record information at credit reference agencies about you and anyone else referred to by you

The credit reference agency will use a credit scoring system when assessing your application. They will also add to your record details of your agreement with us, specifically the payments you make under it, any default or failure to keep to its terms and any change of address you fail to tell us about where a repayment is overdue.

These records will be shared with other organisations and will be used by us and them to help make decisions about credit and credit related services such as insurance for you and members of your household, trace debtors, recover debt and to manage your accounts. We and the credit reference agencies will also use the records for statistical analysis about credit.

Fraud Prevention

If you give us false or inaccurate information and fraud (in any form) is identified, details will be passed to the fraud prevention agencies. We and other organisations may also share, access and use this information to prevent fraud and money laundering, for example when:

  • checking details on applications for credit and credit related or other facilities
  • managing credit and credit related accounts or facilities
  • recovering debt
  • checking details on proposals
  • checking details of job applicants and employees

In addition, law enforcement agencies may access and use this information.

Protecting your privacy

Once it is received we store your personal data as set out in this Policy. We are committed to ensuring that your information is secure. To prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect.

Breaches

If at any time we become aware that your data has been compromised, or that a breach of our systems and controls has occurred, which has an impact on the security of your data, we will notify the Information Commissioner’s Office, and you, without undue delay.

Subject Access Requests

You have the right to request access to a copy of the personal information that we hold about you. This is also known as a ‘Subject Access Request’.

If you would like to submit a Subject Access Request, please contact us in writing at:

Gofor Finance Ltd
Lochside House
3 Lochside Way
Edinburgh
EH12 9DT

Email: info@gofor.co.uk

We will respond to your request without delay and at the latest, within one month of receipt of your request.

Right to complain

If you have a complaint about any aspect of data protection or if you feel your privacy has been breached by us, we would like to hear from you. To help us investigate and resolve your concerns as quickly as possible, contact us at:

Gofor Finance Ltd
Lochside House
3 Lochside Way
Edinburgh, EH12 9DT

By Phone: 0345 299 0450
By Email: info@gofor.co.uk

Changes to the Privacy Policy

We may edit this policy from time to time. If we make any substantial changes we will notify you by posting a prominent announcement on the site.