General Data Protection Regulation


When you apply for finance from a credit provider you must provide us with certain personal information which we will share with finance houses, they will share this information with Credit Reference and Fraud Prevention Agencies as this is necessary to help them decide whether to offer you finance. If you do not provide it to us they may not be able to offer you finance. Your information will be used by us and these agencies as follows:

  • They will check records about you and others held by them and by Credit Reference and Fraud Prevention agencies, for e.g. 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 (e.g. 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 advise us of a director, a spouse or a financial associate, they can / will link your records together. You must ensure that you have their confirmation to disclose their information. Credit Reference Agencies also link your records together. The links will remain on your and their files until such a time as you or they successfully file for a disassociation with the Credit Reference Agencies to break the link. 
  • If you give us false or inaccurate information or they suspect or identify fraud, then 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.
  • We and other organisations may access and use from other countries the information recorded by Fraud Prevention Agencies, which may be publicly-available sources. Any information provided may be kept on file for up to 6 years. Should you decide not proceed with your offer you have the right to request that any information that we hold about you be deleted.
  • We may share your information with motor manufacturers, dealers and/or delivery companies in order to deliver your vehicle to you.

Your data may also be used for other purposes for which you give your permission or, in limited circumstances, when required by law or where permitted by relevant data protection and privacy law. Our lawful grounds for using your information when we use your personal information we may be doing so to comply with our legal obligations or for our legitimate interests; for e.g. to ensure that we provide the most appropriate offers of finance to you, to ensure that our services function correctly, to prevent fraud and money laundering and to ensure that our records are accurate and up to date. You have certain rights where Finance Houses use automated decision-making tools to help them decide whether to offer you finance. You can find out more about this and your rights by accessing the privacy notice on our website or by asking the person assisting with your application for a copy. 

The Agencies using this information for ascertaining credit worthiness are:-

  • Experian
  • Equifax
  • Call Credit

The Funders that we may propose you to in order to gain credit acceptance are:-

  • Leaseplan
  • Lloyds Banking Group (Including Lex Autolease, Black Horse, Landrover CH, Jaguar CH)
  • Novuna
  • Alphabet
  • ALD
  • Leasys
  • Santander Contract Hire
  • Drivalia
  • Grosvenor
  • Arval
  • Mercedes Benz Financial Services
  • Volkswagen Financial Services
  • Toyota Financial Services
  • Stellantis Financial Services
  • RCI Financial Services - Mobilize Financial Services

We may pass your information to up to 5 of the above funders in order to gain a credit acceptance  


This is a summary of how your data will be used when you apply for finance from us. If you would like full details about how your information will be used by us, Credit Reference Agencies and Fraud Prevention Agencies, including details of your rights in relation to your information, or contact details of the Credit Reference and Fraud Prevention Agencies, please:


We will ensure that the following conditions are met before we process any personal data:

  1. the individual has consented to the processing
  1. the processing is necessary for the performance of a contract with the  individual
  1. the processing is required under a legal obligation (other than one imposed by a contract)
  1. the processing is necessary to protect vital interests of the individual
  1. the processing is necessary to carry out public functions eg. administration of justice
  1. the processing is necessary in order to pursue our legitimate interests or those of third parties  (unless it could unjustifiably prejudice the interests of the individual)

Individuals’ rights 

We will ensure that individuals are given their rights under the Act including:

  • the right to obtain their personal information from us except in limited circumstances
  • the right to ask us not to process personal data where it causes substantial unwarranted damage to them or anyone else
  • the right to claim compensation from us for damage and distress caused by any breach of the Act 
  • the right to opt out or receiving any data or having their data shared with third parties

Legal requirements

While it is unlikely, Blue Chilli Car Contracts Ltd may be required to disclose your user data by a court order or to comply with other legal requirements. We will use all reasonable endeavours to notify you before we do so, unless we are legally restricted from doing so. 

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