Once you’ve had an “Offer in Principle” or an “Acceptance Subject to Conditions” we will help you fulfil the terms of acceptance. What does this mean?

When a lender issues an “Acceptance for Credit” to you, they will request that you are able to evidence your identity and your declared income. If you are asked for these, please do not be offended. There is absolutely nothing to worry about as these identity checks are for our customers’ own protection and protect yourself and our lenders against fraud and financial crime

Types of IDENTITY Validation and why these are required

We need these to ensure that you are who you tell us you are. This is to protect you, us and our lenders.

We will always need to see at least one of the items below along with a SELFIE of yourself holding the identity proof under your face. This is simply to make sure that we can see a “true likeness” of the proof your holding up against your lovely face.

• Valid Driving Licence
• Valid Passport

Types of Income Validation for EMPLOYED customers

If you are employed and PAYE [pay as you earn] you will often need to forward your most recent Salary Advice or Wage Slip. These MUST show your Year to Date [YTD] earnings at the time they are requested and submitted to us.

Bank Statements – Sometimes, the lender may ask for these where wage slips alone have been unable to evidence your income. Again, please don’t be concerned about sharing such detail with the lender or ourselves as these are required by law to ensure responsible lending legislation and policy rules are met.

Income Validation for SELF-EMPLOYED customers

If you are Self Employed, our team will speak to you individually about what the lender will accept from you as these are often specific to your application and individual circumstances will of course vary from one customer to another. Completed Self-Assessment Packs in accordance with HMRC are often sufficient in evidencing self-employed income; so too are business or personal bank statements, but your Account manager will guide you through what is needed and how best they can help you fulfil any requests of this nature.

See our Fair processing notice here: Privacy Policy

We will always be able to talk you through any part of your journey with us, but if you are savvy enough to navigate your own way through this part without our help and consider yourself a Gadget Dude or Dude-ess, then there are just a few helpful tips that you need to know before you impress us with your gadgetry prowess!

When uploading or sending any of the following documents in “picture or photo format” these pictures must be taken in a specific way.

• All photographs must be taken showing the “whole” document, as we must be able to see all four outer corners.
• Pictures should be taken whilst lay on flat surface and must not be at an angle.
• Pictures must not have any filters added to them.
• All pictures must be in colour and be unaltered from their original format.
• When taking pictures, please ensure we can see all four outer corners of the document and you should also ensure that you are directly above the document and never at an angle.
• The best and easiest way to take the picture is for you to put the document flat on a table, then place the camera face down on the document and then slowly lift the camera vertically upwards [away from the object being photographed] until you can see all four corners. Once you’ve done this, take the picture [whilst always making sure that all 4 outer corners are visible.]
• Please also try to avoid sunlight or torchlights reflecting on the object being photographed as this will often obscure important numbers or letters and won’t be accepted by our lenders.

Your privacy and understanding of how we use your data is important to us.

Please read this notice carefully.

We are Auto Union Finance Ltd, which is the data controller for the purposes of the use of the personal information you provide to us. Further information about how we use your personal information can be requested from our Data Protection Officer. You can write to us at Auto Union Finance Ltd, Auto Union House, 8 Eagle Park Drive, Warrington, Cheshire, WA28JA or call us on 08448111023 Auto Union Finance Ltd is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority firm reference number is 669609 We are a company registered in England and Wales and our company registration number is 4975821 We are a credit broker and not a lender. We are able to introduce you to a range of lenders who may pay us a commission for doing so. Our ICO registration number is Z8688282.

How and why we use your personal information

We will only process the personal information you provide to us if we have your consent to do so and will only use your personal information for the purposes of arranging motor finance with us. We may also process your personal data based upon our company’s legitimate interests in doing so. We will use the personal information you provide to us in our processing of your application for motor finance. This information includes your name, address and date of birth, which is required to allow us to check your credit profile and to forward your application for finance with us to a suitable lender. Our processing of your data means that we will carry out searches with Credit Reference Agencies to find the most appropriate finance for your individual circumstances. Whilst we restrict the number of searches to as few as possible, there will be occasions where multiple searches are required. We will share the personal information you provide to us with other organisations involved only in your application for motor finance. Where we have your permission, we may provide you with marketing material in relation to products and services that we may offer. Where we do provide you with this information, we will always give you a simple way to stop receiving it from us. You have no obligation to provide us with your personal data however, if you don’t this will mean that we will be unable to progress your motor finance application with us. We will not collect any personal data from you that we do not need in order to fulfil our processing of your motor finance application with us. Our services do not generally require us to collect special categories of personal data that is sensitive such as Ethnic origin, Political views, Religion or Race. It may benefit you to notify us of any heath condition or disability that you have, so that we are aware of these conditions and how they affect you. This will allow us to take reasonable steps to accommodate specific needs or requirements you have when providing our services to you. We will only ever do this as part of our processing of your application for motor finance. Your disclosure of this information to us will only be in conjunction with our better processing of your finance application.

What we do with your personal data

We will only pass your personal data to third parties which need it in order to process your application for finance. We will pass your personal data to credit reference agencies and to finance providers with whom we have formal terms of business. 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. For details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, please contact us. We will only ever provide third parties with your personal information as part of our processing of your application for motor finance. Third party service providers: Experian Ltd; Equifax Ltd; Check Communications Ltd; DealTrak Limited; DocuSign Ltd (electronic signature platform provider) iVendi Limited; Codeweavers Ltd; Linode; Missing Link Communications Ltd; Oyster Bay Systems Ltd (Software Providers); PCA Predict; Details of transfers to third country and safeguards: Our own data storage facilities are based in the UK. We use Cloud based data storage solutions to process and store your data. Where such storage is used, we will ensure that your personal data is kept safe. Where the Cloud provider transfers data outside of the European Economic Area, we will ensure that that Cloud provider only transfers personal data to countries with adequate data protection measures in place.

How long do we keep your personal data?

We will only retain your personal data for as long as we need to, specifically with regard to the reason you provided it to us in the first instance. We will keep your personal data for a period longer than the total duration of any finance agreement that you enter into as a result of our processing of your personal data. We will keep your personal data to allow us to provide you or any third party involved in your finance application with information in relation to your application. We will also keep your personal data to allow us to resolve any complaints that may arise during or after your agreement ends.

What are your rights?

Under data protection legislation, you have several rights regarding the use of your personal data as follows: If at any point you wish to either confirm whether your personal data is being processed and/or access the data we hold on you, you can request to see this information. We will respond to this request within one month of receiving it. You have the right to have your personal data removed from our records. You have the right to have your personal data amended if what we hold is wrong. You have the right to have your personal data transported to another organisation. You have the right to request a review of any automated decision making we use with regard to your finance application. You have the right to be provided with copies of the personal data we hold about you. You also have the right to withdraw your consent for us to process your personal data at any time. Should you wish to exercise any of these rights, or need any further information, please contact the Data Protection Officer using the contact details above.

How to complain about the use of your data

If you wish to raise a complaint about how we have processed your personal data, including in relation to any rights outlined above, you can contact our Data Protection Officer. If you are not satisfied with our response or believe that we are processing your data unfairly or unlawfully, you may contact the Information Commissioner’s Office (ICO). You can find further information about the ICO by visiting www.ico.org.uk. To provide you with an efficient service, we and the third parties who process your personal data make use of automated credit decision making tools. We and the third parties may make decisions on whether to grant credit to you based on automated processes. Should you be not happy with a decision made in relation to our services please contact the Data Protection Officer on the details listed above.

Status Disclosure
The purpose of this document is to set out the basis of the agreement under which we conduct our business and offer our services to you. You should retain a copy of this document with your other important papers.

Who are we?
Auto Union Finance Ltd company number 4975821 is authorised and regulated by the Financial Conduct Authority. We are a credit broker, not a lender. The Financial Conduct Authority (FCA) is the independent regulator of financial services and consumer credit firms. Our Financial Conduct Authority authorisation number is 669609. Use this information to decide if our services are right for you.

You will not receive advice or a recommendation from us for the finance products we offer you. We may ask some questions to help in our assessment of the information you provide to us. You will then need to make your own choice about how to proceed.

Complaints
If you would like to know more about how we handle complaints, please ask for a copy of our Complaints Procedure Document or view it on our website https://www.auf.co.uk/complaints/. We always aim to provide the best possible service to our customers, however if you have any cause for complaint, this can be raised by email, in writing or by telephone addressed to The Compliance Officer, Auto Union Finance Ltd, Auto Union House, 8 Eagle Park Drive Warrington, Cheshire, WA28JA t: 08448111023 | e: [email protected].

Should you remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your complaint. You should write to the Financial Ombudsman Service, Exchange Tower, London, E14 9S4. Alternatively, telephone 08000234567.

Your Finance Options
We can introduce you to a group of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer a range of finance products from these providers, which may be suitable for you and we will explain the key features of these products to you (or your supplying dealer will). We receive payment from the credit provider for introducing you to them and we may pay a commission to the introducing dealer. The amount both parties receive could vary by credit provider and which may be a higher amount in relation to certain products compared with other products available. The payment received may also be higher dependent on the interest rate you are charged; this can also be affected by the term and product you receive. Typically, commission received is a fixed fee or a percentage of the amount you borrow. We will not charge you any fee for our services. You can request the disclosure of any commission paid to us by writing to us at Auto Union Finance Limited, Auto Union House, 8 Eagle Park Drive Warrington, Cheshire, WA28JA t: 08448111023 | e: [email protected]

Confidentiality and Data Protection 
In accordance with the UK-GDPR (United Kingdom General Data Protection Regulation) we will retain your personal data for as long as we need to, but only in accordance to the reason you provided this to us in the first instance. We will retain your personal data for a longer period than the duration of any finance agreement that you enter into as a result of our processing your personal data. We will only process the personal information you provide to us when we have your consent to do so. We will only use your personal information to allow us to administer your application for finance with us.

For further information on how we handle and store your personal data along with understanding your rights, please see our Privacy Notice available on our website https://www.auf.co.uk/privacy-policy/ or speak to us on 08448111023

Credit Searches
We will carry out searches with Credit Reference Agencies to find the most appropriate finance for your circumstances. Whilst we restrict the number of searches to as few as possible, there may be occasions where multiple searches are required. We will only share the personal information you provide to us with other organisations as part of your application. For more information regarding this, please see our Privacy Notice.

It is important that you give us accurate information. The lender will check your details with fraud prevention agencies where false or inaccurate information is evident; such details will be shared with fraud prevention agencies. Law enforcement agencies may also access and use this information to prevent fraud and money laundering.