Prestige Performance (Yorkshire) Ltd (FRN 655861) trading as Prestige Performance Yorkshire is authorised and regulated by the Financial Conduct Authority.
Prestige Performance Yorkshire is a broker, not a lender. We will introduce you to a limited number of lender,
They offer the following finance products:
Hire Purchase (HP)
Hire Purchase also know as Conditional Sale Is a simple way of financing that gives you the certainty of a fixed interest rate, and fixed monthly payments throughout the agreement. The initial deposit and repayment period can be structured to help meet your budget and the length of time you expect to keep the car. You can trade in your existing car and put this towards the initial deposit, or if you wish, just put down a cash deposit.
PCP gives additional flexibility since part of the cost is deferred until the end of the agreement which may give you the benefit of lower monthly payments. The deferred amount is known as the Guaranteed Future Value (GFV) sometimes known as Optional Final Payment. At the end of the agreement you will have 3 options. Retain The Car, Renew The Car, Return The Car To The Finance House.
Conditional Sale with a balloon also known as Lease Purchase (LP) is similar to a standard Conditional Sale product but with lower monthly repayments since a significant repayment of the amount of credit is deferred to the final payment. This final amount is known as a balloon payment and is calculated by forecasting the value of the car at the end of your agreement. The main difference between Conditional Sale with a balloon and Personal Contract Purchase is that the balloon payment must be paid by you in full.
1.1 Your privacy is very important to us, we want you to be comfortable with how we use and share your personal information. This statement is taken from the full Data Protection Policy of Prestige Performance (Yorkshire) Ltd and a full copy is available upon request please email firstname.lastname@example.org
1.2 This statement outlines how we plan to achieve this and how we will handle your personal information, including when and why it is collected, used and disclosed and how it is kept secure.
1.3 Our contact details are at the end of this statement which you can use if you have any questions, including how to update or access your personal information or to make a complaint.
1.4 This statement may change due to new legislation or changes to our policy, so please check this page from time to time to ensure that you’re happy with any changes.
1.5 The current statement that your reading was updated 20th of November 2018
2. WHO WE ARE:
2.1 Prestige Performance (Yorkshire) Ltd and our registered company number is 6057293. The data controller is the managing director. The Data Protection Officer is Mr J Kidger.
2.2 When in this statement refers to “we”, “our” or “us” below, unless it mentions otherwise, it’s referring to Prestige Performance (Yorkshire) Ltd
3. HOW AND WHAT PERSONAL INFORMATION WE COLLECT
3.1 We will only collect and process your data with your consent and this is voluntary. You may withdraw that consent by contacting us in either written or electronic form.
Personal information you give to us: The information you give to us includes your name, contact details (such as phone number, email address and address), enquiry details and your opinion of our products.
4. HOW WE USE YOUR PERSONAL INFORMATION
4.1 Where you have provided CONSENT
We may use and process your personal information where you have consented for us to do so for the following purposes:
4.2 You may withdraw your consent for us to use your information in any of these ways at any time. Please see Withdrawing your consent below.
4.3 Where required to perform a contract with you
We may use and process your personal information where it is necessary for the performance of a contract with you or in order to take steps at your request before entering into a contract with you.
4.4 Where it is in your Vital Interest
We may use your personal information to contact you if there are any urgent safety or product recall notices to communicate to you or where we otherwise reasonably believe that the processing of your personal information will prevent or reduce any potential harm to you. It is in your vital interests for us to use your personal information in this way.
4.5 Where required to comply with our Legal Obligations
We will use your personal information to comply with our legal obligations including: (i) to assist HMRC, the Police, the Driver and Vehicle Licensing Agency (DVLA) or any other public authority or criminal investigation body; (ii) to identify you when you contact us; and (iii) to verify the accuracy of data that we hold about you.
4.6 Where there is a Legitimate Interest
We may use and process your personal information where it is necessary for us to pursue our legitimate interests as a business for the following purposes:
• for the prevention of fraud and other criminal activities;
• to undertake credit checks for finance with an assortment of finance houses
• to correspond and communicate with you;
• for network and information security in order for us to take steps to protect your information against loss or damage, theft or unauthorised access;
• to enforce or protect our contractual or other legal rights or to bring or defend legal proceedings; and
• for general administration including managing your queries, complaints, or claims, and to send service messages to you.
5 OTHERS WHO MAY RECEIVE OR HAVE ACCESS TO YOUR PERSONAL INFORMATION
5.1 Our service providers
Your data may be held off site to ensure our business continuity plan in the event of a major incident. This will be protected by that server company. This will be held on a secure server.
5.5 Other ways we may share your personal information
We may transfer your personal information if we’re under a duty to disclose or share it in order to comply with any legal obligation (e.g. by sharing your personal information with the DVLA), to detect or report a crime, to enforce or apply the terms of our contracts or to protect the rights, property or safety of our visitors and customers.
However, we will always take steps with the aim of ensuring that your privacy rights continue to be protected.
6 We do not store your data outside the EEA.
7 HOW LONG WE KEEP YOUR PERSONAL INFORMATION FOR
7.1 We do not retain any personal information in an identifiable format for longer than is necessary.
7.3 We may need your personal information to establish, bring or defend legal claims, in which case we will retain your personal information for 7 years after the last occasion on which we have used your personal information in one of the ways specified above.
7.4 The only exceptions to this are where the law requires us to hold your personal information for a longer period, or delete it sooner;
• you exercise your right to have the information erased (where it applies) and we do not need to hold it in connection with any of the reasons permitted in this section 7, or because we are required under the law (see further Erasing your personal information or restricting its processing in Section 8.6); and
• in limited cases, the law permits us to keep your personal information indefinitely provided we put certain protections in place.
8 YOUR RIGHTS
8.1 Your ‘data subject’ rights:
You have a number of rights in relation to your personal information under General Data Protection Regulation . In relation to certain rights, we may ask you for information to confirm your identity and, where applicable, to help us to search for your personal information. Except in rare cases, we will respond to you within one month after we have received this information or, where no such information is required, after we have received your request.
8.2 Accessing your personal information
You have the right to ask for a copy of the information that we hold about you by emailing or writing to us at the address at the end of this statement. We may not provide you with a copy of your personal information if this concerns other individuals or we have another lawful reason to withhold that information.
8.3 Correcting and updating your personal information
The accuracy of your information is important to us and we are working on ways to make it easier for you to review and correct the information that we hold about you.
In the meantime, if you change your name or address/email address, or you discover that any of the other information we hold is inaccurate or out of date, please let us know by contacting us in any of the details described at the end of this statement.
8.4 Withdrawing your consent
Where we rely on your consent as the legal basis for processing your personal information, as set out under “How we use your personal information”. You may withdraw your consent at any time by contacting us in writing or email at email@example.com . If you withdraw your consent, our use of your personal information before you withdraw is still lawful.
8.5 Objecting to our use of your personal information and decisions made about you.
Except for the purposes for which we are sure we can continue to process your personal information, we will temporarily stop processing your personal information in line with your objection until we have investigated the matter. If we agree that your objection is justified in accordance with your rights under data protection laws, we will permanently stop using your data for those purposes. Otherwise we will provide you with our justification as to why we need to continue using your data, we do not use automated tools.
8.6 Erasing your personal information or restricting its processing
In certain circumstances, you may ask for your personal information to be removed from our systems by emailing or writing to us. Unless there is a reason that the law allows us to use your personal information for longer, we will make reasonable efforts to comply with your request.
You may also ask us to restrict processing your personal information in the following situations:
• where you believe it is unlawful for us to do so,
• you have objected to its use and our investigation is pending or you require us to keep it in connection with legal proceedings.
In these situations, we may only process your personal information whilst its processing is restricted if we have your consent or are legally permitted to do so, for example for storage purposes, to protect the rights of another individual or company or in connection with legal proceedings.
8.7 Transferring your personal information in a structured data file
Where we rely on your consent as the legal basis for processing your personal information or need to process it in connection with your contract. You may ask us to provide you with a copy of that information in a structured data file. We will provide this to you electronically in a structured, commonly used and machine readable form, such as a CSV file.
8.8 Complaining to the UK data protection regulator
You have the right to complain to the Information Commissioners Office (ICO) if you are concerned about the way we have processed your personal information. Please visit the ICO’s website for further details.
9 SECURITY / COOKIES / LINKS / SOCIAL PLUGINS
9.1 Security measures we put in place to protect your personal information
We will use technical and systematic security measures to protect the personal information supplied by you and managed by us against manipulation, loss, destruction, theft and access by third parties. Our security measures are continually improved in line with technological developments.
However, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your information whilst in transit to our website and any transmission is at your own risk.
9.2 Use of ‘cookies’
‘Cookies’ are small pieces of information sent to your device and stored on its hard drive to allow our websites to recognise you when you visit, we currently use
Google Analytics – used to gather details on how users use the website for more information please visit – https://marketingplatform.google.com/about/
9.3 Social plugins
We use so-called social plugins (buttons) of social networks such as Facebook, Google+ and Twitter.
We have no influence on the scope of data that is collected by the social networks through their buttons. The data use policies of the social networks provide information on the purpose and extent of the data that they collect, how this data is processed and used, the rights available to you and the settings that you can use to protect your privacy.
10.1 We currently do not collect any data for the use of marketing such as mail shots.
11. CHANGES TO THIS STATEMENT
We may review this statement from time to time and any changes will be notified to you by posting an updated version on our website. We recommend you regularly check for changes and review this statement when you visit our website. If you do not agree with any aspect of the updated statement, you must promptly notify us and cease using our services.
12. CONTACT US
If you have any questions, suggestions or complaints about the processing of your personal information please contact our Data Protection Officer.