Financial Services (GB) Limited.
How do we receive your information?
We may receive information about you:
Using your information
We may use your information (which we receive from you or third parties or learn from the way you use our products or services) for a variety of purposes, including:
We may share your information for any of these purposes with:
We may also pass your information to third parties:
If one of these organisations is outside of the European Economic Area we will make sure they agree to apply the same level of protection of your information as we are required to apply in the UK.
NBIf you apply for finance from MINI Financial Services, please also see the Guide on how MINI Financial Services and Credit Reference and Fraud Reference Agencies will use your information both when you apply and during the course of your finance agreement appearing at the end of this policy.
Informing you about our products and services
We may use your information to contact you with news on BMW cars
and motorcycles and MINI cars and other products and services
(provided by us, our other group companies or our carefully
selected business partners) which may be of interest to you and
occasionally for market research purposes.
We may also pass your information to our other group companies, authorised BMW, MINI and BMW Motorrad dealers and our other business partners for these purposes.
We, and these other parties, may contact you by post and phone and, if you give us your prior agreement to do so, by email, SMS and other electronic means.
The range of products and services offered by us, our approved BMW, MINI and BMW Motorrad dealers, our other group companies or selected business partners include:
Our group companies trading in the UK include BMW (UK) Limited,
BMW Financial Services (GB) Limited and Alphabet (GB) Limited and
our group brands include BMW, MINI, BMW Financial Services, MINI
Financial Services, BMW Motorrad, Alphera Financial Services and
Alphabet. Some of the products mentioned above are provided by
selected business partners.
You can opt out of receiving marketing communications from us on our vehicles and other products and services by ticking the appropriate box (if providing your information on this website) or at any time by calling us on free phone 0800 561 0666, or writing to us at MINI Customer Information Centre, Selectapost 51, Sheffield, S97 3GB.
You can also contact us at the above address or telephone number if you have previously asked not to receive marketing communications but would now like to hear from us with news on BMW, MINI or BMW Motorrad vehicles and other products and services.
Please note if you purchase a vehicle from an authorised MINI dealer or otherwise give your information to an authorised MINI dealer, you will have a separate relationship with the dealer in relation to the dealer's use of your data and you will need to contact the dealer concerned in relation to any request you may have in relation to the dealer's use of your data.
We will only send you marketing communications by email or other electronic means if you give us your agreement to do so. For example, we may inform you when inviting you to provide your email address that by providing your email address you will be indicating your agreement to receive marketing emails. If you give us your agreement and subsequently wish to opt out you can do so by clicking the unsubscribe link which we include on all our marketing emails or you can contact us at any time at the address or telephone number above.
We try to keep our website secure. However you recognise when
providing your information to us through our website or when you
send us or ask us to send you any of your confidential information
by email, that the internet and email communications over the
internet may not be secure. We cannot be responsible for any loss
or unauthorised interception of information transmitted via the
internet which is beyond our control.
A "cookie" is a piece of information that a website transfers to
the cookie file of the browser on your computer's hard disk so that
the website can remember who you are. A cookie will typically
contain the name of the domain from which the cookie has come, the
"lifetime" of the cookie, and a value, usually a randomly generated
Two types of cookies may be used on this website : session
cookies, which are temporary cookies that remain in the cookie file
of your browser until you leave the site, and persistent cookies,
which remain in the cookie file of your browser for longer ( how
long will depend on the lifetime of the specific cookie).
Some of our Web pages may also contain electronic images known as Web beacons (sometimes known as clear gifs) that allow us to count users who have visited these pages. Web beacons collect only limited information which including a cookie number, time and date of a page view, and a description of the page on which the Web beacon resides.
You can accept or decline cookies by modifying the settings in
your browser. However, you may not be able to use all the
interactive features of our site if cookies are disabled.
You can find Information on how to disable or enable cookies by visiting www.allaboutcookies.org
Providing information to us
You are responsible for informing us of any change in your details, such as a change of address. You have a right to ask us to correct any inaccuracies in the information we hold about you.
You have a right to ask what information we hold about you. We will charge you a small fee for this (the statutory fee is currently £10).
You may contact us at the address below for these purposes.
If you are under 16 please do not provide us with any personal information unless you have the permission of your parent or guardian to do so.
Telephone calls to us may be recorded and/or monitored for training purposes.
A GUIDE ON HOW MINI FINANCIAL SERVICES AND CREDIT REFERENCE AND FRAUD PREVENTION AGENCIES USE YOUR PERSONAL DATA WHEN YOU APPLY FOR FINANCE FROM MINI FINANCIAL SERVICES
What we do when you apply to us for finance
a) We may check our own records and search at credit reference
agencies and fraud prevention agencies for information, including
credit details, on you and, if you have one, your financial
associates (a financial associate is a person with whom you have,
or have had, joint personal financial arrangements such as joint
accounts or have made joint credit applications, for example a
spouse or partner), other members of your family and if you are an
owner, director or partner in a small business, your
b) We may pass information that is supplied to us to credit reference agencies and fraud prevention agencies. As well as the information you provide directly to us or to the dealer, we may receive information about you from our other group companies and carefully selected business partners who provide products and services under one of our brands and occasionally from other third parties who may lawfully pass to us information about you.
c) If you have any financial associates, we may link and record information about you both in our own records and at credit reference agencies and we, and others, will take their information into account. We may take both your and their information into account in future applications by either or both of you and continue this linking until your agreement ends and one of you notifies us that you are no longer linked. So you must be sure that you have their agreement to disclose information about them.
d) We may obtain references and make enquiries about you from other persons and organisations. If we require any guarantee or other security in relation to your obligations under any proposed agreement, we may provide information about your application to the person you wish to provide the guarantee or other security.
e) 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 and other organisations involved in crime and fraud prevention.
f) With the information that we obtain we will:
What we do when you have a finance agreement with us
a) We may give details of your agreement and how you manage it
to credit reference agencies.
b) If you do not repay us in full and on time, we may tell credit reference agencies and we may trace your whereabouts and recover payment.
c) We may make periodic searches of our Group records, credit reference and fraud prevention agencies to manage your agreement with us, to take decisions regarding your identity and credit, including whether to make further credit available or to continue or extend existing credit. We may also check at fraud prevention agencies to prevent or detect fraud.
d) We may use your information to undertake periodic statistical analysis or testing to ensure the accuracy of existing and future products and services.
e) We may pass your information to third parties for legal or regulatory reasons, including in relation to any existing or proposed legal proceedings, or in the process of us transferring this agreement or our business to any person. If you fail to pay any licence fees, duties, fines, insurance premiums, congestion charges, or other sums which become due in respect of the Vehicle, we may pass your information to the authority or organisation which is demanding payment. We may also provide information about your agreement to any person who has provided any guarantee or other security in relation to your obligations under this agreement.
f) If you give us false or inaccurate information and we identify fraud, we will record this and may also pass this information to fraud prevention agencies and other organisations involved in fraud prevention to prevent fraud and money laundering.
What the Credit Reference and Fraud Prevention Agencies will do
a) They will place a search 'footprint' on your credit file whenever they receive a search from us. We will make a search when you apply for credit from us and we may also make searches during the period of any agreement you hold with us. If the search was for a credit application they will place a search 'footprint' on your file whether or not your application proceeds and the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when you apply for credit in the future.
b) They will link together your records and those of anyone that you have advised is your financial associate, including previous and subsequent names of you and any financial associates. Links between financial associates will remain on your and their files until such time as you and your financial associate successfully file for a disassociation with the credit reference agencies.
c) They will supply to us:
d) If you have an agreement with us, credit reference agencies
will record the details that we supply to them on your agreement
and how you manage it. If you borrow and do not repay in full and
on time, credit reference agencies will record the outstanding
e) Records shared with credit reference agencies remain on file for 6 years after they are closed, whether settled by you or defaulted.
f) The information which we, other organisations and fraud prevention agencies provide to the credit reference and fraud prevention agencies about you, your financial associates and your business (if you have one) may be supplied by credit reference and fraud prevention agencies to other organisations and used by them and us to:
g) Law enforcement agencies may also access and use this
h) We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
You can contact the Credit Reference Agencies currently operating in the UK. The information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
Consumer Services Team, PO Box 491, Leeds LS3 1WZ or call 0870 0601414
Credit File Advice Centre, PO Box 3001, Bradford BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk
Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or log on to www.experian.co.uk
Please contact us at MINI Customer Information Centre, Selectapost 51, Sheffield, S97 3GB or call us on 0800 561 0666 if you want to receive details of the relevant Fraud Prevention Agencies.