Privacy Policy

  1. Purpose

    • The purpose of this policy is to outline how we, Caerus Capital Limited trading asChoose My Car and CMC, use your data, how it is protected, how long it is stored for, and more.
    • As a vehicle finance broker, the main purpose of us obtaining your information is to try to obtain an acceptance for you with one of the lenders on our panel.
    • If at any time you have any questions regarding how we use your information or this policy, please use the below details to contact us:
      • Telephone: 0161 768 1545
      • Email: dpo@caeruscapitaluk.com
      • FAO: Diane Wade

      Please note that for the purpose of holding personal data, we are registered with the Information Commissioner’s Office, registered number ZA510674

  2. Why do we collect and use your personal data?

    1. We collect and use your personal information to provide you with vehicle finance via our application form and, potentially, from third parties to whom you have applied.
    2. We act as a data controller.
    3. The lawful basis on which we use your information depends on the activity:
      1. Finance applications: we rely on consent and contractual necessity.
      2. Direct marketing about products and services relating to your car finance agreement: we rely on Legitimate Interests, including the “soft opt-in” exemption under PECR 2003. You can opt out at any time.
      3. Direct marketing about other consumer redress or legal claims (not directly connected to your car finance agreement): we will only contact you where you have given us your consent to do so.
      4. Sharing with Legal Services Today (LST): this will occur only if you decide to pursue a claim or redress opportunity with LST. At that point, LST becomes an independent controller of your data under its own privacy policy.
    4. We obtain your information when you agree to our terms of business and privacy policy when making an application.
    5. We may also share your personal information with carefully selected third parties whose products or services we believe may be of genuine interest or benefit to you. These third parties may contact you directly. We will only do this where you have provided your consent, and you will always have the right to opt out of such communications at any time.
    6. If you do not want us to use your information, please do not submit an application to us.
    7. You can withdraw your consent at any time using the contact details listed above.
    8. We will not use your data for any other purposes without informing you and obtaining your consent where required.
    9. The information we collect can be some or all of the following (this is not an exhaustive list):
      1. Identity Data includes title, first name, last name, marital status, date of birth, residential status, address, time at address, and driving licence details.
      2. Employment Data includes current employment status, time in current employment, occupation, payslips, employer name, and net monthly income.
      3. Vehicle Data includes your current vehicle, car registration, registered address, and car tax number.
      4. Transaction Data includes details of products and services you have engaged from us.
      5. Contact Data includes email address and telephone numbers.
      6. Financial Data includes bank statements and payment card details.
      7. Profile Data includes services engaged, your interests, preferences, and feedback.
      8. Technical Data includes internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
      9. Usage Data includes information about how you use our website and services.
      10. Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
    10. We will never request sensitive information, or information that we do not require. However, if you provide us with data that is classed as a special category of data (such as health information, criminal records of convictions and offences, or allegations of criminal offences), we will only process this with your permission (unless we consider the processing necessary to protect your vital interests or if the law allows us to do so).
    11. You have the right at any time to ask us to stop the processing of that specific data.
    12. If you do not provide us with your data, we may not be able to provide you with our services.
    13. Please note all communications with you will be recorded and/or saved for record purposes.
    14. We may receive personal data about you from third parties or publicly available sources. These are set out below:
    Contact and Identity Data provided by the following Data Brokers and Generators:
    Technical Data (unidentifiable), provided by Analytics Providers:
    Financial Data provided by credit reference agencies:
    Identity and Contact Data from publicly available sources such as:
    • Companies House
    • Electoral Register

  3. What happens if I do not provide my personal information?

    1. We need your personal information to process your request or finance application. If we do not collect your personal information, we will not be able to provide our services to you.
    2. We may use your personal information to send you marketing communications by email or SMS in the following ways:
      • Car finance and related services – We may send you information about products and services connected to your car finance agreement, including regulatory or legal developments (for example, potential claims for undisclosed commission). We rely on our Legitimate Interests, including the soft opt-in exemption under PECR 2003, to do this. You can opt out of these communications at any time by clicking the unsubscribe link in any message or contacting us directly.
      • Other consumer redress or legal claims – For marketing about other types of legal claims or consumer redress opportunities not directly related to your car finance agreement, we will only contact you where you have given us yourexplicit consent to do so. You can withdraw this consent at any time.
    3. We will not send you marketing communications from third parties without your consent.
    4. You have the right to object to receiving marketing communications at any time, and we will always provide you with an easy way to unsubscribe.

  4. Who will we share your personal information with?

    1. We will share your information with the lenders with whom we work in order to assist you in gaining an acceptance. These include the below:
    2. We may also share your information with our partner law firm, Legal Services Today Limited (SRA number 643776), if you decide to pursue a legal claim or redress opportunity. This may include, but is not limited to, claims connected to your car finance agreement. We will only pass your details to LST if you have chosen to instruct them, and once LST receives your data, they will become an independent controller and will process your data in line with their own privacy notice.
    3. Your information will be held on our CRM system, AutoConvert (Blue Owl Network Ltd). You can view their privacy policy here:https://www.autoconvert.co.uk/privacy-policy/. AutoConvert may check records about you with their chosen credit reference agencies (CRAs), Equifax Ltd andExperian Ltd, for purposes such as assessing applications for credit and verifying identities to prevent and detect crime.
    4. When Equifax and/or Experian receives a search request from us via AutoConvert, they will place a soft quotation footprint that will be visible to you only on your credit file; other parties, including lenders, will not see this. This will not affect your credit score/rating or ability to apply for finance from other lenders (please note that when lenders conduct searches with CRAs, it may leave a footprint). AutoConvert will access from Equifax Ltd and/or Experian Ltd both public (including the electoral register) and shared credit and fraud prevention information. This information will be used to check your eligibility against a select group of lenders.
    5. We will not see your full credit file; AutoConvert will only provide a list of lenders that you are likely to be accepted for given the information supplied, using their brokering technology that understands the acceptance criteria of the lenders on their panel.
    6. If you give us false or inaccurate information and we suspect or identify fraud, we will record this and may also pass this information to fraud prevention agencies (FPAs) and other organisations involved in crime and fraud prevention.
    7. You can contact the CRAs at:
    8. For further information on credit reference agencies and how they use your data, please refer to their Credit Information Notice: Experian CRAIN and Equifax CRAIN.
    9. The personal information we have collected from you will 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 our finance partners and these fraud prevention agencies can be found in the above privacy links.
    10. To complete your finance agreement, we may require some information from the supplying dealership. To raise the necessary paperwork, we may need to send them your name, address and contact number. We may also liaise with them regarding any future aftersales issues where required.
    11. If required, we will also share your information with third parties for accounting, legal or regulatory purposes (such as, but not limited to, HMRC, FCA, etc.).
    12. Please note, as a company we do not share your data outside of the UK/EEA. We ask you to ensure you are aware of how the above companies share and use your data, so you are fully informed.
    13. We complete due diligence on any third party with whom we work to ensure they comply with GDPR and are happy to provide further information or answer any questions you may have.

  5. How long will we store your personal information?

    1. We will store your personal information for up to six years on our CRM systems. We are committed to ensuring your data is kept secure and we review our security systems on a regular basis.
    2. This is to enable us to refer to our records should we be required to do so for regulatory or legal reasons.
    3. If you do not object to receiving marketing communications from us, we will store your personal information for marketing purposes until you unsubscribe from receiving marketing communications from us.
    4. Please note that some of your information may be included in information used for accounting purposes. Where this is the case, this information is kept for seven years as per our legal requirements.
    5. Once this time period has ended, your information will be confidentially destroyed and removed from all systems and records.

  6. What are your rights to your personal information?

    Under Data Protection Law, you have certain rights when it comes to your data that we need to make you aware of. We have detailed these rights below.
    • Right to access – You have the right to request copies of the personal information we hold about you at any time.
    • Right to rectification – You have the right to request that we correct any inaccurate personal information we hold about you.
    • Right to erasure – You have the right to request that we delete your personal information from our records. Please note that we will not be able to delete your personal information whilst we are still providing our services to you. We will be able to delete your personal information once you cancel the service or once the service is completed, if we are able to do so while still abiding by law.
    • Right to restrict processing – You have the right to request that we restrict how we use your personal information.
    • Right to object – You have the right to object to the collection and use of your personal information at any time (including to direct marketing).
    • Right to data portability – You have the right to obtain a copy of your personal information in a legible and compatible format such as Excel or Word.
    • Right to be informed – You have the right to be fully informed regarding your information throughout our interactions.
    • Rights in relation to automated decision-making and profiling – If a decision has been made electronically, you have the right to contest this decision.

  7. How can I exercise my rights in relation to my personal information?

    1. You can exercise all of your rights by contacting us on any of the above contact details.
    2. Please note that as a regulated firm, in addition to GDPR and Data Protection Laws, we are also required to abide by other regulations and laws.
    3. Due to this, we may not be able to fully act on your requests; however, where these exemptions apply, our team will explain why we are limited in acting on your request, or how we have partially acted on your request.

  8. How do I lodge a complaint about the use of my personal information?

    1. You can lodge a complaint with us directly by contacting us on one of the above contact details.
    2. You also have the right to lodge a complaint directly with the Information Commissioner’s Office (ICO).
    3. The ICO is the regulator that makes sure we use your personal information in a lawful way.
    4. You can lodge a complaint with the ICO by following this link https://ico.org.uk/concerns or calling the ICO on 0303 123 1113.

  9. Cookies

    1. Our site may operate cookies and it is important for us to make you aware of how these are used, so please ensure you are aware of our Cookies Policy which can be found on our site.
    2. You will be asked if you agree to these cookies when using our site; you have the right to refuse these cookies.

  10. Review

    1. This policy will be reviewed on at least an annual basis and was last updated in August 2024.
    2. Any updates will be reissued as soon as is reasonably possible with the approval of our Director and Senior Management team.