Privacy policy

Effective Date: 1-8-2022

1. Who we are

1.1 CarFinanceClaim.co.uk is a trading style of RFLCS Ltd, incorporated in England & Wales (Company No: 11854719).

RFLCS Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 978092) in respect of regulated claims management activities and is registered with the Information Commissioner’s Office (ZA840691).

1.2 We act as an introducer to authorised claims management companies and do not handle or manage claims ourselves.

1.3 You can contact us at:

Email: info@rflcs.co.uk
Telephone: 01172 901 901
Postal: RFLCS Ltd, Holly House, 21d Chudleigh Road, Alphington, Exeter, EX2 8TS

2. Purpose of this policy

2.1 This policy explains how we collect, use, and protect your personal information when you use our website or submit an enquiry.

2.2 This policy applies only to information collected by CarFinanceClaim.co.uk / RFLCS Ltd. If you enter into an agreement with a claims management company following our introduction (for example, Consultation Claims Ltd), their privacy policy will apply to the handling of your claim.

3. Changes to this policy

3.1 We may update this policy from time to time. Please check this page periodically. Continued use of our services after any update means you accept the changes.

4. Information we collect

Types of Personal Data We Collect

We only collect personal data that is necessary and lawful for the purpose of assessing your enquiry and introducing you to an authorised claims management company.

This may include:

Contact Data:
Address history, telephone numbers, email addresses.

Identity Data:
Name, title, date of birth, gender.

Employment Data:
Industry or sector in which you work (where relevant to your enquiry).

Claim-Related Data:
Information relating to your motor finance agreement or lending arrangements.

Credit Data and Soft Credit Checks

Where you choose to proceed and provide your consent, Consultation Claims Ltd (FRN 836626) may conduct a soft credit search to verify your eligibility for certain products or services.

These checks are carried out on their behalf by Checkboard Limited, who may obtain an electronic credit report from credit reference agencies, including Equifax and CRAIN.

A soft credit search:

• Is visible to you;
• Is not visible to other lenders; and

• Does not affect your credit score.

RFLCS Ltd does not carry out credit searches and does not receive your credit report data.

Consultation Claims Ltd and/or their service providers act as data controllers in respect of any credit search conducted.

For further information, please refer to:

• Consultation Claims Ltd’s Privacy Policy; and

• Checkboard Limited’s Privacy Policy and Terms and Conditions.

Soft credit checks will only be carried out where there is a lawful basis to do so, typically your consent.

5. Legal basis for processing

We process your personal data under the following lawful bases:

• Consent – when you submit your details and agree for us to share them with a claims management partner.

• Contract – where processing is necessary to provide our introducer service.

• Legitimate interests – such as improving our website, preventing fraud, and ensuring regulatory compliance.

• Legal obligation – where required by law or regulation.

6. Cookies and tracking

6.1 We use cookies and similar technologies.

6.2 These may include:

• Session cookies

• Persistent cookies

• Analytics cookies (e.g. Google Analytics)

• Advertising cookies (where applicable)

• Cookie consent cookies

6.3 You can control cookies via your browser settings. For more information, visit allaboutcookies.org.

7. How we use your information

We use your information to:

• Assess your enquiry

• Introduce you to an authorised claims management company where appropriate (for example, Consultation Claims Ltd (FRN 836626))

• Communicate with you

• Improve our website and services

• Comply with regulatory obligations

• Send marketing communications (where you have consented)

We do not sell your personal information.

8. How long we keep your data

We retain your personal data for up to 6 years from your last interaction with us, or longer where required for regulatory, legal, or compliance purposes.

9. Sharing your information

We may share your information with:

• Authorised claims management companies to whom we introduce you (such as Consultation Claims Ltd)

• Service providers who help us operate our website or systems

• Regulators or law enforcement where required

• Professional advisers

• In connection with a business sale or restructuring

Once you enter into an agreement with a claims management company, they will act as the data controller for the handling of your claim.

10. International transfers

10.1 Your data is primarily stored in the UK/EEA.

10.2 Where data is transferred outside the UK, we rely on appropriate safeguards such as:

• UK Adequacy Regulations

• UK/US Data Bridge

• Standard Contractual Clauses (SCCs)

11. Your rights

• • You have the right to:

    • Access your personal data

    • Request correction

    • Request erasure

    • Restrict or object to processing

    • Data portability

    • Withdraw consent (where applicable)

    To exercise your rights, contact: info@rflcs.co.uk

    You may also complain to the Information Commissioner’s Office (ICO):

    Wycliffe House
    Water Lane
    Wilmslow
    Cheshire SK9 5AF

    Helpline: 0303 123 1113
    Website: ico.org.uk