Privacy & Cookie Policy | Cosford Caravans

At Cosford Caravans & Motorhomes we understand that our use of your information requires your trust. Cosford Caravans & Motorhomes is committed to the highest standards of data privacy and will only use your information for clearly described purposes and in accordance with your data protection rights.

COSFORD CARAVANS & MOTORHOMES AS DATA CONTROLLERS AND OUR RESPONSIBILITIES

Cosford Caravans & Motorhomes is responsible for, and is the Data Controller of, your personal information that it receives through the Cosford Caravans & Motorhomes website, Cosford Caravans & Motorhomes' accounts, service and sales departments.

CHANGES TO THIS PRIVACY POLICY

We may modify or update this privacy policy from time to time. If we change this privacy policy, we will notify you of the changes. Where changes to this privacy policy will have a fundamental impact on the nature of the processing or otherwise have a substantial impact on you, we will give you sufficient advance notice so that you have the opportunity to exercise any rights you may have under local law (e.g. to object to the processing).

HOW DO WE COLLECT YOUR PERSONAL INFORMATION?

These are the main ways we collect your information:

If you contact us directly via our website or via telephone to request information about our products and services.
If you buy a product or service directly from us at the Cosford dealership.
If you reply to our direct marketing campaigns.
If, with your permission, your contact details are transferred from third parties.
If your vehicle data is transferred to Cosford Caravans & Motorhomes while you’re having your vehicle serviced or repaired.
If, with your permission, other Cosford Caravans & Motorhomes business partners transfer your personal data to us.
If we acquire your personal data from other sources with your permission.
If you require finance we will pass your basic details to a broker who will contact you direct providing your permission is given.
If documents are handed over with a part exchange or a vehicle brought into stock from elsewhere we will keep these documents with the vehicle to help evidence the history of the vehicle. This is a legitimate interest not only for us and any new owner but for the wider market in regard to fraud prevention and safety.

If you give information on behalf of someone else you must ensure that they have been provided with this privacy policy before doing so.

If you are under 16 please do not provide us with any of your information unless you have the permission of your parent or guardian to do so.

Please help us to keep your information up to date by informing us of any changes to your contact details or preferences. You may change or review your preferences by contacting us.

WHAT PERSONAL INFORMATION MAY BE COLLECTED ABOUT YOU?

Contact details:

Name
Address
Telephone numbers
Email address

Other information including:

Vehicle data — service and repair history, registration details, etc.
Types of vehicles you are interested in
Customer history
Online behaviour

HOW MIGHT WE USE YOUR PERSONAL INFORMATION?

Use of personal information under EU data protection laws must be justified under one of a number of legal grounds and we are required to set out the grounds in respect of each use in this policy.

The main uses of your information are:

Customer Support and Marketing - to respond to enquiries and to bring you news and offers

Cosford Caravans & Motorhomes uses your personal data for customer care and for personalised communication of Cosford Caravans & Motorhomes’ product and service information, where necessary and appropriate with your consent. For these purposes Cosford Caravans & Motorhomes may transmit this data to authorised suppliers, including our marketing agency who run our campaigns on our behalf.

To ensure that you receive relevant and personalised communications, we will use your data to create an individual customer profile and we may share your personal data between departments to give information on products and services where relevant. This may include data you have provided, for example contact details, preferences, customer history, vehicle data and online behaviour.

Vehicle Sales & Service — to process your sale, and service your vehicle

Cosford Caravans & Motorhomes will obtain contact details, vehicle details, sales and services information when you purchase, service or repair a vehicle from or with us as part of the sale or service and will use it to provide the services you request and notify you of issues in relation to your vehicle. This information may be accessed by Cosford Caravans & Motorhomes to troubleshoot technical or other issues relating to the delivery of these services.

This information may be shared with third parties including the vehicle manufacturer, insurance and registration companies. This is part of a contractual obligation as part of the sales process and failure to provide personal data may prevent the completion of sale.

Financial Disclosure

COSFORD CARAVANS & MOTORHOMES LIMITED are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority (Registration Number FRN 666828). We can introduce you to selected lenders. We act as an Agent for the Lenders. When you enter into a finance agreement with them, they will pay us a commission which can be either a percentage of the amount borrowed or a fixed fee. Should you be accepted for credit, this commission amount will be detailed on your paperwork, allowing you to understand the commission arrangement with the Lender prior to signing. All finance applications are subject to status.

Vehicle Finance Status Disclosure for Cosford Caravans & Motorhomes Ltd

Frequently asked questions

Who are we? Cosford Caravans & Motorhomes Ltd, a dealership that sells caravans and motorhomes and acts as a Credit Broker in arranging finance for vehicle transactions.

Our trading address is: Newport Rd, Albrighton, Wolverhampton WV7 3NA. Registered in England. Company registration no. 01700064.

Our registered address is: International House 6 Market Street, Oakengates, Telford, England, TF2 6EF

Contact telephone number: 01902 374170

Are we authorised to arrange finance for you?

Yes, we are authorised and regulated for credit-broking activities by the Financial Conduct Authority (“FCA”). We are not a lender. Our FCA Firm Reference Number is 666828. For more information, please visit the FCA website at: https://register.fca.org.uk/. Please note that business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.

What can we do to help finance your vehicle?

We can introduce you (whether direct to a funder or through a specialist credit broker) to a limited number of finance companies who may be able to finance your transaction. There are other finance companies who we do not have a trading relationship with who may also be able to offer you a product and you are, of course, free to approach them direct yourself if you wish. We will provide you with information and explanations about the finance products that may be available to you and, where we recommend a product to you to you, we will ensure that this is based on the information you give us about your needs and circumstances so that it is suitable for you. Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you.

FINANCE COMMISSION DISCLOSURE:

Can we give independent financial advice?

We are Brokers not lenders and we are NOT independent financial advisers. We will receive a commission payment for any successful application we introduce to a finance company (see below) and are therefore unable to provide you with independent and impartial financial advice.

Do you have to pay for our service or do we receive any commission?

You don’t have to pay us for our service. However, a finance company we work with will pay us for introducing you to them if your application is accepted and you decide to proceed. Different finance companies will pay us different amounts of commission. Commission will be calculated as a percentage of the amount of credit you take. The commission we receive will vary according to the amount of credit you take or the finance company’s assessment of your credit risk. The amount of commission we will receive will be confirmed to you by us when your application is accepted by a finance company. The amount may change based on any acceptance criteria requested by the finance company or if the terms of the deal change between now and delivery of your vehicle (e.g. if the amount of credit you are taking changes.)

The final amount of commission, however, will be confirmed to you before you are asked to sign the finance documentation. Please note that we cannot change the interest rate you pay in order for us to receive either more or less commission from any particular finance company.

Whilst rates and commissions may vary between finance companies, our aim is always to secure finance from them which is appropriate to your circumstances. If you feel you require or would benefit from impartial advice related to your potential finance options, then you must arrange to receive this advice independently and we are entirely comfortable for you to do so.

How will we use your information? We will use your information to obtain quotes from funders and brokers to process finance applications through them and we and/or they may also conduct a search of your record held with one or more credit reference agencies. Credit checks may as a result appear on your credit file lodged by organisations with whom you have not dealt directly. The personal information collected will also be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, finance or employment. Further details of how your information will be used by us, funders and these fraud prevention agencies, and your data rights can be found here https://www.cosfordcaravans.co.uk/privacy-cookie-policy. A full data protection notice/privacy policy will be provided to you before we submit any application for finance on your behalf.

We are registered as a data controller with the Information Commissioner’s Office under registration number ZB375579.

What can you do if you wish to complain about our services or contact us?

If you wish to make a complaint, please contact us:

· by writing to us at

Complaints, Newport Rd, Albrighton, Wolverhampton WV7 3NA;

· by emailing [sales@cosfordcaravans.co.uk];

· by telephoning 01902 374 170.

If, after making a complaint to us you are still unhappy and feel the matter has not been resolved to your satisfaction, please contact the Financial Ombudsman Service (“FOS” - www.financial-ombudsman.org.uk). Please note that FOS may not be able to deal with complaints from business customers. If you require further information, please contact us by telephoning the above number(s) or emailing us at sales@cosfordcaravans.co.uk, addressing your correspondence to the Complaints Manager.

How will we use your information? We will use your information to obtain quotes from funders and brokers to process finance applications through them and we and/or they may also conduct a search of your record held with one or more credit reference agencies.Credit checks may as a result appear on your credit file lodged by organisations with whom you have not dealt directly. The personal information collected will also be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, finance or employment. Further details of how your information will be used by us, funders and these fraud prevention agencies, and your data rights can be found here https://www.cosfordcaravans.co.uk/privacy-cookie-policy. A full data protection notice/ privacy policy will be provided to you before we submit any application for finance on your behalf.

We are registered as a data controller with the Information Commissioner’s Office under registration number ZB375579.

What can you do if you wish to complain about our services or contact us? If you wish to make a complaint, please contact us: by writing to us at Complaints, Cosford Caravans and Motorhomes Ltd, Newport Rd, WV7 3NA, by emailing chris@telfordinvestments.co.uk, by telephoning 01902 374170. If, after making a complaint to us you are still unhappy and feel the matter has not been resolved to your satisfaction, please contact the Financial Ombudsman Service (“FOS” - www.financial-ombudsman.org.uk). Please note that FOS may not be able to deal with complaints from business customers.

Cosford Caravans & Motorhomes may share the information with finance companies to help them decide whether to offer you finance. Using information about you in this way is necessary for the Broker to make this decision and if you do not provide it to them they may not be able to offer you finance.

Your information will be used by Cosford Caravans & Motorhomes and these agencies as follows:

Brokers will check records about you and others held by them and by credit reference and fraud prevention agencies, for example to assess your application for credit and verify identities to prevent and detect crime and money laundering. The credit reference agencies will place a search footprint on your credit file that may be seen by other lenders. They will supply public information (for example information held on the electoral register) as well as shared credit and fraud prevention information. The fraud prevention agencies will use your personal information to prevent fraud and money-laundering and to verify your identity.

If you provide Cosford Caravans & Motorhomes false or inaccurate information or Cosford Caravans & Motorhomes suspect or identify fraud, they will record this and may also pass on the information to fraud prevention agencies and other organisations involved in crime prevention. Law enforcement agencies may also access and use this information. If fraud is detected, you could be refused certain services, finance or employment.

Compliance with legal requests for your information – to comply with our legal obligations to law enforcement, regulators and the court service

We may be legally required to provide your information to law enforcement agencies, regulators and courts and third-party litigants in connection with proceedings or investigations anywhere in the world. Where permitted, we will direct any such request to you or notify you before responding unless to do so would prejudice the prevention or detection of a crime. There may be uses that are permitted on the basis of other grounds; where this is the case we will use reasonable endeavours to identify the ground and communicate it you as soon as possible after becoming aware of the new basis.

USE OF THIRD PARTIES

We will not share your information with third parties for marketing purposes.

Third Party Service Providers working on our behalf: We may pass your information to our third party providers, manufacturers and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (for example technology to control your on-board systems on your motorhome or caravan). However, when we use third party providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own direct marketing purposes. Please be reassured that we will not release your information to third parties beyond what is necessary to complete your purchase.

Third Party Product Providers we work in association with: We work closely with various third party product providers to bring you a range of quality and reliable products and services designed to help you enjoy your motorhome or caravan (e.g. CRIS, Diamondbrite and Caravan Guard Insurance). When you enquire about or purchase one or more of these products, the relevant third party product provider will use your details to provide you with information and carry out their obligations arising from any contracts you have entered into with them. In some cases, they will be acting as a data controller of your information and therefore we advise you to read their Privacy Policy. These third party product providers will share your information with us which we will use in accordance with this Privacy Policy.

Cosford Caravans & Motorhomes will avoid transferring data to third parties outside of the EEA where possible. Where this is not possible and Cosford Caravans & Motorhomes is compelled to authorise the transfer of data outside of the EEA we will take steps to ensure the data is of limited sensitivity to minimise the risks to data subjects and ensure any third parties employ appropriate safeguards both themselves and as a requirement of other processors to protect personal data.

HOW DO WE KEEP YOUR PERSONAL INFORMATION SAFE?

We use a variety of security measures, including encryption and authentication tools, to help protect and maintain security, integrity and availability of your information.

Although data transmission over the internet or websites cannot be guaranteed to be secure, we and our business partners work hard to maintain physical, electronic and procedural safeguards to protect your information in accordance with applicable data protection requirements. Our main security measures are:

Tightly restricted personal access to your data on a 'need to know' basis and for the communicated purpose only
Transfer collected data only in encrypted form
Highly confidential data stored only in encrypted form e.g. credit card information
Firewalled IT systems to prohibit unauthorised access e.g. from hackers
Permanently monitored access to IT systems to detect and stop misuse of personal data

FOR HOW LONG DO WE KEEP YOUR PERSONAL INFORMATION?

We retain your information only as long as is necessary for the purpose for which we obtained it and any other permitted linked purposes. If information is used for two purposes we will retain it until the purpose with the latest period expires; but we will stop using it for the purpose with a shorter period once that period expires. We restrict access to your information to only those persons who need to use it for the relevant purpose. Our retention periods are based on business needs and your information that is no longer needed is either irreversibly anonymised or destroyed securely. Use for marketing: We retain your personal information for as long as is necessary, but only for the relevant purpose that we collected it for. You retain the right to remove this consent at any point. Use to perform a contract: In relation to your information used to perform any contractual obligation with you we may retain that data whilst the contract remains in force plus one year to deal with any queries or claims thereafter.

HOW TO CHANGE YOUR PRIVACY PREFERENCES:

You can change your preferences, or withdraw your consent in relation to how Cosford Caravans & Motorhomes uses your personal information in one of the following ways:

Requesting information about your data stored at Cosford Caravans & Motorhomes as well as request the correction, deletion or restriction of your personal data for analytics and/or marketing use.
Contacting Cosford Caravans & Motorhomes on 01902 374170
Sending an email to info@cosfordcaravans.co.uk
Writing to us at: Cosford Caravans & Motorhomes Ltd, Newport Road, Cosford WV7 3NA

CONTACTING COSFORD CARAVANS & MOTORHOMES ABOUT THIS PRIVACY POLICY

If you have any questions in relation to our use of your information you should first contact Cosford Caravans & Motorhomes in any of the following ways:

Call Cosford Caravans & Motorhomes on 01902 374170
Send an email to info@cosfordcaravans.co.uk
Write to us at: Cosford Caravans & Motorhomes Ltd, Newport Road, Cosford WV7 3NA

YOUR RIGHTS

Under certain conditions you have the right to require us to:

Provide you with further detail on the use we make of your information
Provide you with a copy of your information
Update any inaccuracies in the information we hold about you
Delete any information about you that we no longer have a lawful ground to use
Remove you from any direct marketing lists when you object or withdraw your consent
Provide you with your personal information in a usable electronic format and transmit it to a third party (right to data portability)
Restrict our use of your personal information
Cease carrying out certain processing activities based on the legitimate interests ground unless our reasons for undertaking that processing outweigh any prejudice to your data protection rights (click Legal Grounds for more information).

Your exercise of these rights is subject to certain exemptions to safeguard the public interest (e.g. the prevention or detection of crime), our interests (e.g. the maintenance of legal privilege) and the rights of third parties.

WHAT ARE COOKIES AND HOW DOES COSFORD CARAVANS & MOTORHOMES USE THEM TO COLLECT DATA?

A cookie is a small piece of data stored by your web browser on your computer's hard drive. It enables Cosford Caravans & Motorhomes to identify your computer when you visit our website, track your browsing patterns and build up a demographic profile. Data provided by cookies is anonymous and cannot be used to identify individual users.

Where access to certain areas of the website are by registration, use of cookies also allows you to be presented with a personalised version of our website, carry out transactions and have access to information about your account.

Most browsers allow you to turn off cookies. If you wish to do this please look at the help menu on your browser. However, switching off cookies may restrict your use, or lower the performance, of this website.

You can find out more about cookies, including how to see what cookies have been set and how to manage and delete them, by visiting www.allaboutcookies.org

WHAT COOKIES DO WE USE ON THIS WEBSITE?

Google Analytics

Google Analytics shows us how visitors find and use our website, which helps us to make informed site design and content decisions, with the aim of improving the site experience for you and other visitors. Virtually all websites use this tracking technology, either from Google or another provider. The Google Analytics cookies on this site are:

_utma This distinguishes users and sessions. It expires after 2 years.
_utmb This identifies new sessions and visits. It expires after 30 minutes of inactivity.
_utmc This works with _utmb to determine if you are launching a new session and expires when the browser is closed.
_utmz This lets us see how you reached our site. This cookie expires after 6 months.

You can opt out of being tracked by Google Analytics across all websites by visiting https://tools.google.com/dlpage/gaoptout .