Fair Processing Notice
This Privacy Notice explains how Avail Vehicle Contracts Ltd ('Avail', 'we', 'us') handles your personal data. It outlines what information we collect, why we use it, how we protect it, and what rights you have. Additional details about our data protection practices are available upon request.
What Information We Collect
Legal and business requirements may require us to gather specific personal information from you. Without this information, we may be unable to provide our services or meet our regulatory obligations.
Direct Collection
We collect personal details (including name and date of birth), contact information, transaction records, and information about people financially connected to you - such as your spouse, business partners, company directors, or others linked to your finances ('connected persons'). If you share information about connected persons with us, please ensure they receive a copy of this notice.
Third-Party Sources
We obtain additional information about you and connected persons from credit reference agencies and fraud prevention services. These searches occur when you apply for our services and periodically throughout our business relationship, regardless of whether your initial application is successful.
How We Use Your Information
Your personal data is processed for several key purposes:
Financial Verification
We conduct credit checks and fraud prevention screening to assess your financial standing and verify your identity. This information is shared with fraud prevention agencies for anti-money laundering purposes. Detection of fraudulent activity may result in refused services, finance, or employment opportunities. For detailed information about data usage and your rights, visit the Credit Reference Agency Information Notice at http://www.experian.co.uk/crain/index.html or contact us directly.
Service Administration
We verify your identity when you access our services and manage the financial products and services you've requested. This processing is necessary to fulfil our contractual commitments to you and maintain the security of your personal information.
Service Enhancement
We analyse usage patterns to improve customer experience, conduct marketing research and customer profiling using transaction data, and perform statistical analysis. This legitimate business interest helps us understand customer needs and enhance our service quality.
Customer Communication
We use your information to maintain communication with you, providing appropriate responses and service notifications. This ensures we can effectively support your needs and keep you informed about relevant services.
Legal Protection
We may process your data to protect our legal interests, including fraud detection and prevention, responding to intellectual property claims, and addressing contract violations. This includes enabling our insurance contractors to verify your compliance with required insurance coverage.
Credit Assessment Process
When evaluating credit applications, we analyse your financial history, credit records, and relevant information about you and connected persons obtained from various sources including credit reference and fraud prevention agencies. This comprehensive assessment helps us determine your creditworthiness and suitability for our services.
We employ automated credit scoring systems to ensure consistent, efficient, and fair evaluation of all applications. While we believe this automated approach provides the most equitable treatment for all customers, you maintain specific rights regarding this process (detailed in the rights section below).
Your Data Rights
We encourage you to keep your information current by notifying us of any changes or corrections needed. You have several rights concerning your personal data:
1
Access: Request copies of your personal information
2
Rectification: Correct inaccurate or incomplete data
3
Portability: Transfer your data to another service provider
4
Withdrawal: Remove any consent you've previously given
5
Erasure: Request deletion of your personal data
6
Restriction: Limit how we process your information
7
Objection: Challenge our use of your data
Automated Credit Scoring
Regarding automated credit scoring, you can request human review of decisions and ask that decisions not be based solely on automated processing.
If you're unsatisfied with our data handling practices, you may file a complaint with the Information Commissioner's Office at https://ico.org.uk/make-a-complaint.
To discuss or exercise any of these rights, please contact us using the details below.
Data Sharing Practices
We share personal information about you and connected persons with credit reference agencies and fraud prevention services. This information assists us and other organisations in making informed decisions about insurance proposals, claims processing, credit management, and employment screening. You have the legal right to obtain details about which agencies we work with and how they use your information.
We may also share your data with our service providers, group companies, joint venture partners, law enforcement, courts, regulatory bodies, government authorities, insurers, and potential business purchasers when circumstances require.
Data Retention
We retain your personal information throughout our business relationship. After this relationship ends, we consider legal obligations and regulatory requirements when determining retention periods. Our Data Retention Policy guides these decisions, and we may retain certain records for legal claim defence or investigation purposes.
International Transfers
When transferring your personal data outside the European Economic Area, we implement appropriate safeguards such as contractual protections to ensure adequate data protection in compliance with applicable laws. Contact us for specific information about these protective measures.
Get in Touch
For questions or concerns about our data handling practices, contact us at:
Avail Vehicle Contracts Ltd
The Office, Clouds Harrow
Brampton Abbotts
Ross On Wye, HR9 7JE
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