Secure UK Website
As follows below are important points which you need to know about io4 UK Limited (and associated trading styles) and the service we provide. We request that you read the following terms and conditions prior to using us to ensure you are satisfied with the service we can offer you.
If, after reading our terms and conditions, you do not agree with the content then we request that you do not use our service.
If you do use our website then you will be accepting our terms and conditions and agree to abide by them, in addition to this you will also be agreeing to use the service provided for lawful purposes.
MyCarLoan.Online is a registered Trading Name of io4 UK Limited which is an Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number: 723672. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450 io4 UK Limited is registered in England and Wales (Company number 06511345), registered office; Oxford House, Oxford Road, Macclesfield, Cheshire, SK11 8HS. Licenced by the Information Commissioners Office, (registration number Z1498441).
io4 UK Limited (and associated trading names) offers a service online to its customers. If you wish for us to provide you with our service then you will be entering into an agreement with us. Once the agreement has been entered into you will in turn be accepting our terms and conditions which relate to your agreement and also agreeing to abide by them. In turn we also acknowledge our own obligations to this agreement, by means of providing the service you require, this means we will provide the service to you the customer. As we will be providing a service to our customer we therefore have no obligation to another party, only our customer. Please also be aware that if a client uses our services on behalf of a third party our obligation will still be with you being our customer furthermore the terms and conditions will also relate to you our customer and not with any other third parties.
io4 UK Limited (and associated trading names) is not a lender and therefore will not provide finance directly to customers. We are a finance broker, we will find lenders and providers of financial services for you. Any examples of amounts available to borrow, terms (repayment periods) or rates stated on our website are purely given as a representative example relating to the product. These representative examples are stated to give our customers an understanding of the products available. Representative examples are not given as a figure of what our customers will actually be offered by the lender/finance provider, therefore cannot be given as a guarantee nor can they be used as any kind of warranty. As we do not provide the loan or financial service directly we are unable to control the representative rate examples contained on our website. Please also be aware that the decision to offer any short term loan or financial service is made by the lender or finance provider and io4 UK Limited (and associated trading names) has no control over the decision making. The lender/finance provider will conduct an assessment on each customer before any decision or offer is made; this will include a full assessment of a customer credit history past and present.
io4 UK Limited (and associated trading names) will not carry out any credit checks or referencing on any customer upon registering to our services, however, the finance providers/lenders may use credit scoring facilities and credit referencing agencies to determine how eligible the customer is when making an assessment on the customer. Credit checks and credit reference agencies can also help prevent fraudulent applications so we ask clients to agree to using data provided for the purpose of preventing fraud and ensuring the client's identity is as claimed. Information provided by the client must always be true and accurate, as misleading information will be regarded as a breach of our terms and is likely to breach any agreement the client has entered into with the lenders and financiers we work alongside. Furthermore, misleading information may also result in the instigation of criminal procedures against the client. If the client has authorised any third parties to access the service on behalf of the client's instructions issued by authorised third parties will be contractually binding on the client on whose behalf the third party is acting. Should the client choose to make a joint application for a loan or finance via our website each party will be dealt with as a client acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.
We will only process information about you in accordance with our privacy policy. When using our website you consent to processing your information and therefore warrant that all information/data provided by yourself is accurate and correct.
Unless the customer states otherwise we will contact the customer via means of telephone, SMS, post and email to provide information and alerts relating to our services and our associate companies.
io4 UK Limited (and associated trading names) reserves the right to amend or remove the service that we provide without giving any prior notice to do so. Customers may access our website on a temporary basis and we cannot be held liable if our website is unavailable to access for any given period of time. The responsibility lies with our customers to ensure that all parties who have access to our website via their internet connection are fully aware and abide by our terms and conditions. In addition to this, you are solely responsible to ensure that you have internet access to our website. We may update and change the content on our website at any time, if we are updating our website access may be suspended completely. As some of our material may require an update, there may be occasions where material is out of date, updating material is something we are not obliged to do.
Customers may experience restricted access to our website from time to time, either to the entire website or to some areas; this will apply to customers who have already registered with us. Unique user names/codes or passwords if supplied to customers for security purposes and in line with our procedures, must be kept strictly confidential and under no circumstances given or disclosed to any third parties. If we have reason to suspect that the aforementioned conditions have been breached or they have in fact been breached then we have the right to disable your unique username/codes or password as a consequence.
The copyright and material on this website is owned by io4 UK Limited and is protected by the copyright laws of the United Kingdom and such users will be entitled to copy any such information for their own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of io4 UK Limited.
Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this website may be in breach of statutory or common law rights which could be the subject of legal action. io4 UK Limited disclaims all liability which may result from any unauthorised reproduction or use of the information on this website.
All logos, names, images and information used on this website which are in regards or related to us are provided as is. Any other material or commentary material which has been posted on our website is not given to represent advice. Further to this we cannot and will not accept any responsibility or liability which has arisen from materials by any person who visits our site, the same applies to anyone who could have been informed of the content in question. Any information and articles that are used or contained in our website cannot be used as advice; it is purely as information and cannot be used as advice.
Links contained within our website relating to third parties and other resources are provided for your information only. We do not accept any responsibility for them or for any loss or damage that may be caused by them due to your usage.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or result of the use of our website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue, loss of business, loss of profits, or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time, and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence) breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above. This does not affect our liability for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or mispresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.
The obligations and responsibilities of any breach of contract of or by us does not extend beyond the agreement with our customer and does not include any obligation to a counterparty, intermediary, bank or to any other third parties that maybe connected to the customer. The customer will take full responsibility for any loss and or damage incurred by the provision of incorrect information or misleading information to us by the customer. Should the above occur and a loss arise due to us then there will be no liability held against us if this is caused by something beyond our reasonable control, including changes in the law or regulations affecting our normal operations. Apart from provisions expressly covering associate companies, nothing in these terms is enforceable by anyone who is not a party to them.
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically, harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it.
Our terms and conditions and any dispute or claim which may arise from or is connected to them or their subject matter or formation (inc non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales or by Scots Law, if you are resident in Scotland at the time of entering an agreement with us. The English courts, or Scottish courts if you are resident in Scotland at the time of entering an agreement with us, will have an exclusive jurisdiction over any claim arising from, or related to, a visit to our website, although we retain the right to bring proceedings against you for breach of these terms and conditions in your country of residence or any other relevant country.
If we do make any changes to our terms and conditions, we will do so by posting the changes online. It is your responsibility to check this page frequently in order to take notice of any changes that may have occurred, as these changes will be binding to yourself. If you choose to continue to use our website after any changes have taken place, you will therefore be accepting our terms and conditions. In addition to the above, some of the provisions contained within the terms and conditions may also be superseded by provisions or notices that have been published elsewhere on our website.
The governing language of this agreement and any communication that takes place between the customer and us will be the English language.
io4 UK Limited (and associated companies) will always aim to offer every customer an excellent experience, however, if you do feel that we have not offered you a good service and you feel you would like to make a complaint about the service, then please send your comments to;
Compliance Manager,
io4 UK Limited
Dte
5 Bank Street
Bury
Lancashire
BL9 0DN.
Or alternatively please email:
compliance@io4.co.uk
We will follow up on your complaint within 8 weeks of receipt of your complaint to us, if however, you feel dissatisfied with our response, you can then refer your complaint to:
The Financial Ombudsman Service
Service Exchange Tower
London
E14 9SR
My Car Loan Online is a trading style of io4 UK Ltd, registered in England No. 10618192. Registered office: Dte, 5 Bank Street, Bury, Lancashire, United Kingdom, BL9 0DN.
Here at io4 UK Ltd we are aware about how important your privacy is and based on this we have implemented measures which will ensure any personal data that is obtained from you by visiting our website will be processed and maintained in line with accepted principles of good information handling. In addition to this it will also be processed and maintained in accordance with the Data Protection Act 1998. Contained within this statement and set out below are details of the type of information that we at io4 UK Ltd may hold about you, our customer, how we obtain and process any information we may have and, most importantly, how we will protect your privacy.
io4 UK Ltd may choose to amend the content of this privacy policy on occasion. If this occurs then we will update the policy and the revised policy will be posted on this website, please be aware that this privacy policy was last updated on the 11/07/2016. Please visit this policy on a regular basis to make sure you have read the latest version and you understand what we do with your information.
Unless you state otherwise to us, lenders, third parties and other brokers (see further section on "How we keep you informed") may contact you via telephone, email, post, SMS, automated messages or fax.
If you are required to telephone us using the specified telephone numbers on our website or advertising/marketing/correspondence material then your call may be recorded for training, quality and regulatory purposes. We pride ourselves in complete customer care and this gives us the opportunity to continuously improve and monitor our customer experience.
We may want to make contact with you at some point in order to keep you informed about offers on products or services, which we think you may find of interest. This contact will be made via telephone, email, SMS, automated messages or fax. Third parties may also wish to contact you using the information that we have shared with them. Any information that is shared with third parties is completely trusted for the purpose it is specified for. Third parties may also use the same means of contact stated above. Third parties could contact you as we may be unable to offer you the short-term loan you are looking for. This is because the third parties may have a product or service to offer you, which could potentially suit your needs. If this is the case, the third parties will pass your details onto a lender, who may require carrying out a further credit check. Whilst the lender or third party will make contact with you to confirm whether your application has been successful, they will too have their own privacy policy and we recommend that you refer to them. Upon making your application, you will be requested to agree to their use of your information.
I. You are free to access and browse our website at your convenience and you do not have to provide any personal information/data. However we would like to refer you to our "Cookies" paragraph set out within this privacy policy.
II. The information/data that we would normally collect from you is as follows:
a. Name
b. Residential address
c. Residential status
d. Date of birth
e. National insurance number
f. Email address (if applicable)
g. Telephone number (home, mobile, work)
h. Income details
i. Details of bank account
j. What you do on our website; the results of this will be used to show MyCarLoan.Online examples of which parts of our website are most and least used (please refer to "Cookies" paragraph).
However if you register with us, have a question about our services or alternatively choose to send an email to enquiries@io4.co.uk, we may also collect the above personal information/data in this in order for us to respond to your enquiry. We may also receive personal information/d instance ata from 3rd parties, which enables us to offer identified potential customer"s products and services, who have expressed interest in our products and services. Any information/data obtained from 3rd parties is checked in regards to accuracy and we will endeavour to check your information with you on occasion.
It is your responsibility to ensure that any information we have on record for you is kept up to date and correct. If you do require any of your information to be updated then please contact us as soon as possible so that we can ensure it is corrected. If you require your preferences to be updated, please contact our Compliance Manager as soon as possible (details set out below within "Contact" paragraph).
i. Information that is collected by us, io4 UK Ltd, will be recorded electronically and may be used by us in the following ways:
a. To verify customers identity and credit standing and to enable us to consider and process your application for a loan or other products or services.
b. To assess your credit history and confirm your employment details and to collect unpaid loans and debt that may be owed by you to us.
c. To extract certain information for the purpose of generating statistics for our own internal purposes (including credit and/or behaviour scoring, and market and product analysis).
d. To detect, prevent and investigate actual and potential fraud and related activities.
e. To develop, manage and market products and services to meet our customers" needs and to contact customers regarding products and services that may be of interest and to determine the eligibility for different products and services that our customers may be interested in.
f. To contact you in connection with your enquiry.
g. To update this website to better meet our client"s needs in the future.
h. To help io4 UK Ltd to carry out admin and service your account.
ii. As some of our affiliates who form part of our group are based outside of the UK then we may use your information outside the UK. If we do use your information outside the UK we ensure we have established levels of protection to ensure that your information is safeguarded.
iii. Your data may be used for other purposes, including but not limited to, data validation, enhancement, information verification, identity verification, suppression, tracing and to the extent permitted by law, individual reference or lookup services, by LexisNexis and selected 3rd parties.
Upon application to us we may use both fraud prevention agencies and credit referencing agencies to help us make relevant decisions. This section has been reduced down into a simple explanation of how we will use your personal information/data regarding credit referencing agencies and fraud prevention agencies. Further information on fraud prevention agencies can be obtained from the io4 UK Ltd Compliance Manager. If you do choose to contact the Credit Reference Agency (CRA), please bear in mind that the information held may not be the same throughout the UK so it may be useful to contact all CRAs. A small fee may be charged when information is requested. This fee currently stands at £2.00.
We will make the following checks about yourself and others:
a. Credit Reference Agencies (CRAs) - when this type of check is made a footprint will appear on your credit file, this can be seen by other lenders. CRAs will provide us with shared credit information, fraud prevention information and public information; this information will include the electoral register.
b. Fraud Prevention Agencies (FPAs) - when we assess your application we will also check customer"s identities in order to prevent fraud and crime against customers; this also includes money laundering. We may also make additional searches over periods of time with CRAs and FPAs. This ensures that our records are kept up to date with any vital information. This information will then be used to ascertain whether to continue with your credit or any future credit that may be available. As we have an obligation to comply with responsible lending, FPAs and CRAs assist us in doing so.
c. Joint Applications - If you, the customer, make a joint application or you advise that you have a spouse or financial associate, your customer records will be associated and linked together. This will ensure that the agreement has been made from both applicants to discuss and disclose information. A link will also be made with CRAs; the link will remain until one or both applicants inform and apply with the CRA for a disassociation to end the link.
d. Information sent to CRAs - Information received by CRAs will be recorded by them. If after an application with us you take out a loan, the activity and details of management of your account will be passed onto them. In the event that you take out a loan with us and fail to repay back the full funds required this will also be recorded with the CRA. In this case information may be passed onto other companies by CRAs and FPAs in order to locate and trace you in order to recover any outstanding debts. We must warn you that if this does occur then this will remain on your record for 6 years once a case has been closed by either settlement or default.
e. Inaccurate information provided by you - False or inaccurate information if given by yourself will be brought to the attention of FPAs or other relevant companies who deal in fraud/crime prevention. The same applies if we suspect fraud or false or inaccurate information has been supplied. Any reported instances may also be accessed by law enforcement agencies i.e. HMRC, regulatory bodies or the police, for use to prevent any possible fraud and money laundering for the following:
i. Managing credit and credit related accounts or facilities
ii. Recovering debt
iii. Checking details on proposals and claims for all types of insurance
iv. Checking details of job applicants and employees
f. Information recorded outside the UK - we may use and get access to information outside of the UK that has been recorded and reported by fraud prevention agencies.
g. Information/data usages for other purposes - if you have given permission for your information to be used for other purposes, in limited circumstances your information may be used for other purposes when required by law or under the terms of the Data Protection Act 1998.
Yes we may share your information with affiliates and partners, who may process the personal information/data that you have provided to us; however this will only be for the purpose that this privacy policy specifies.
In addition to the above we may also, on occasion, share your information/data with other parties who are not within our group; if we do we will seek your approval first. Information may be transferred to third parties which may be located outside the European Economic Area. We will ensure that your personal information is protected to the level of standards in accordance with the Data Protection Act 1998. If your information is shared with a third party, we will instruct and state restrictions which will protect your information. Our third party partners will also have their own privacy policies which we recommend that you refer to them.
If we do share your information with parties outside of our group this may be for the following reasons:
a. To assist in finding you a loan. As we are a finance broker our services are often provided in conjunction with other partners. To assist you in finding a product/service we would need to provide these partners with your information in order for us to help you.
b. Our staff and agents will require your information in order to carry out a service for you on behalf of us.
c. If you wish to be provided with details of special offers and promotions, we outline this in the section called "How we keep you informed".
d. In order to protect our business along with our group of affiliated companies and possible others. Your information may be shared with third parties when we believe it is necessary to comply with the law or protect our rights or another person’s rights, property, or in fact safety. We may need to exchange information with third parties i.e. law enforcement agencies, regulatory bodies or other lenders; if this is the case it will protect us against fraud and also reduce any risks exposed to.
e. If the occasion arises whereby our company changes ownership or assets, then the new proprietors will need access to your information in order to continue with operations and to run the company effectively. This would cover shareholders and other companies where the agreement of transfer has been established.
io4 UK Ltd recognises the importance of keeping personal information/data from a confidentiality and security aspect; due to this we have introduced specialised rules, measures, specialist technology and implemented security policies to ensure that your information is protected. Whilst we make every attempt to protect your information there are still risks involved when inputting your information online and we need to make you aware of this. We would also confirm that any and all such third-parties that we share your data with are bound by contract to maintain the security and integrity of your Personally Identifiable Information. As such we would only request further sensitive information online in certain circumstances so please refrain from inputting sensitive information unless we state otherwise to do so. Please be advised that, although io4 UK Ltd takes all reasonable precautions to protect your data, no data storage or data transmission security is guaranteed. Accordingly, io4 UK Ltd cannot, and does not, represent, warrant, or guarantee the complete security of any data storage or data transmission. You agree that your access to and use of this Site and your use of io4 UK Ltd services, which necessarily includes data storage and data transmission, are done at your own risk.
Yes, under certain circumstances you will be able to access the records we hold about you. If you request this information then we ask that you submit your request in writing to us along with a fee for £10. If you require information from separate affiliates within our group then you will be required to request each in writing and pay separate fees for each request.
The amount of time we hold your information for depends on the basis it was provided by you to us; please see the following examples:
a. If you request that we do not contact you for advertising and marketing reasons, then we still may need to keep your information as this would reflect your preferences.
b. Information is also kept relating to any transactions you may enter via our website, this information will be kept for a minimum of 6 years which will commence at the end of the relationship. We are required to do this to ensure that if any disputes or complaints are raised, then we have your information to enable us to address the complaints or disputes. Your information will be kept, however it will be purely for business needs.
c. In order to provide you with a service we will be required to keep your information whilst we continue to provide you with a service for however long this may take us.
d. Another reason for us to keep information about you is for legitimate business needs where relevant so we can comply with what the law states.
We may provide links to other websites via our website; if we do so then we cannot be held responsible for the other sites privacy policy as they will hold their own specific to them. This also applies to site content, practices they carry out and the services and products they may offer; all of which we cannot take any liability for.
Should we be required to process your sensitive information, then we will notify you and seek your agreement prior to us doing so. Sensitive information about our customers under the Data Protection Act 1998 includes the following:
a. Health conditions
b. Racial or ethnic origin
c. Political opinion or trade union membership
d. Sexual orientation
e. Philosophical beliefs
f. Religious beliefs
g. Suspected or proven criminal activity (which includes proceedings)
i. Usage
io4 UK Ltd uses cookies to assist us in analysing the traffic on our site and customer behaviour. Cookies may also be used by our partners to understand marketing and traffic patterns. Whilst visiting our website, cookies with any pages that you choose to view will be downloaded onto your computer. Cookies are a good way of helping us by being used as a measuring tool to assess our visitors and their own profiles; this will then enable us to offer our customers a better service. Although we use cookies as above we would not store anything that would make the customer identifiable i.e. passwords or locations, activity relating to finances and also their preferences. We also use customer information in order to assist us to see how effective our website is and also to highlight any improvements we may need to make. This information may in turn be passed to other businesses (third parties) purely for advertising reasons. Please be assured again that this information will not include personal information that can make customers identifiable. Most web browsers will automatically accept cookies however normally you can change your browser settings which will prevent automatic acceptance. Please be aware that if you do not accept cookies, io4 UK Ltd cannot guarantee that our website will perform as well.
ii. How to find & control your cookies:
You can manage your Cookie preferences through your browser settings. Help and advice on how to do this can be obtained from the following website:
You can also find out more about the use of cookies and opt out anytime via the following links:
When you use links to other websites which we provide to you, we recommend that you read the privacy and Cookies policies on those websites.
iii. To know which of the sites you"ve visited use cookies, see as follows:
a. Internet Explorer
Choose tools
Internet Options
Click the General tab
Click Settings
View Files
b. Mozilla Firefox
Choose tools
Options
Privacy
Cookies
Click the Show Cookies button
c. Safari
Choose Safari
Preferences
Security
Click Show Cookies button
d. Opera 8+
Choose tools
Advanced
Click Cookies
iv. To see your cookie code, simply click on a cookie to open and view it. There will be a string of numbers and text displayed. The numbers will represent your identification card; be assured that this can only be seen by the server that allocated you the cookie.
v. Additional cookies information - The Interactive Advertising Bureau is an industry body that has produced a series of web pages which explain how cookies work and how they can be managed.
If you have any queries or concerns relating to our privacy policy then please send an email to our Compliance Manager at the following address:
compliance@io4.co.uk
Alternatively you can write to:
Compliance Manager,
io4 UK Ltd
Dte
5 Bank Street
Bury
Lancashire
United Kingdom
BL9 0DN.
L25 6HE
io4 UK Ltd would like to thank you for taking the time to read our privacy policy