Privacy Policy

Last updated: April 2026

1. Introduction

BMNC Limited trading as CreditCar ("we", "us", "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, and share your personal data when you use our website, services, or contact us.

CreditCar is a credit broker, not a lender. We are authorised and regulated by the Financial Conduct Authority (FCA FRN: 799087). Our registered company number is 16714761.

2. Information We Collect

We may collect the following types of personal information:

Information you provide directly

• Full name, date of birth, and contact details (email, phone, address)
• Employment details and income information
• Driving licence details
• Financial information relevant to your finance application
• Vehicle preferences and part exchange details
• Any information included in messages you send to us

Information collected automatically

• IP address and browser type
• Pages visited and time spent on our website
• Referring website or source
• Device type and operating system
• Cookies and similar tracking technologies (see Section 8)

3. How We Use Your Information

We use your personal data for the following purposes:

• To process and assess your car finance application
• To share your application with our panel of lenders in order to find suitable finance options
• To communicate with you regarding your enquiry, application, or purchase
• To provide customer support and respond to your questions
• To comply with legal and regulatory obligations, including FCA requirements
• To improve our website, services, and customer experience
• To send you marketing communications, where you have given consent

4. Legal Basis for Processing

We process your personal data on the following legal grounds:

• Consent: Where you have given clear consent for us to process your data for a specific purpose (e.g., marketing communications)
• Contract: Where processing is necessary to fulfil our obligations under a contract with you, or to take steps at your request prior to entering a contract
• Legal obligation: Where we are required to process your data to comply with the law (e.g., FCA record-keeping requirements)
• Legitimate interests: Where processing is necessary for our legitimate business interests, provided these are not overridden by your rights

5. Sharing Your Information

We may share your personal data with:

• Lenders and finance providers: Our panel of lenders who assess your finance application
• Credit reference agencies: To conduct credit checks as part of the application process
• Service providers: Third parties who help us deliver our services (e.g., IT support, email services)
• Regulatory bodies: The FCA or other authorities where required by law
• Legal advisors: Where necessary to protect our legal rights

We will never sell your personal information to third parties for marketing purposes.

6. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by law. Finance application data is typically retained for a minimum of 6 years in accordance with FCA requirements.

If you subscribe to marketing communications, we will retain your contact details until you unsubscribe or request deletion.

7. Your Rights

Under data protection law, you have the right to:

• Access: Request a copy of the personal data we hold about you
• Rectification: Ask us to correct inaccurate or incomplete data
• Erasure: Request deletion of your personal data (subject to legal obligations)
• Restriction: Ask us to limit how we use your data
• Portability: Request a copy of your data in a commonly used format
• Objection: Object to processing based on legitimate interests or for marketing purposes
• Withdraw consent: Where processing is based on consent, you may withdraw it at any time

To exercise any of these rights, please contact us at sales@creditcar.co.uk or call 01226 898 285.

8. Cookies

Our website uses cookies and similar technologies to improve your browsing experience, analyse site traffic, and understand where our visitors come from. You can manage your cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain parts of our website.

9. Data Security

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, destruction, or alteration. All data transmitted through our website is encrypted using SSL technology.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to read the privacy policy of any website you visit.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on this page with a revised "last updated" date.

12. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us:

• Email: sales@creditcar.co.uk
• Phone: 01226 898 285
• Address: CreditCar, Unit 21 Longfields Road, Barnsley, S71 3HT

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk if you believe your data has been handled improperly.