1) Who are we?
We are The Trade Centre Group Plc; a company registered in England and Wales with our principal place of business at Neath Abbey Business Park, Neath, SA10 7DR.
Our company number is 4921555.Our trading style is “Trade Centre Wales” and you can contact us 7 days a week directly and rapidly by email on firstname.lastname@example.org. We own this website which you can view at www.thetradecentrewales.co.uk
2) What services are we offering?
We are offering you a chance to find out quickly the amount of credit which would be available to you if you wish to purchase a motor car. Our system has been designed to provide you with this information very quickly and you will then be in a position to select the vehicle of your choice. We will send to you a certificate stating the amount of credit which we think you should be able to obtain should you purchase the motor vehicle from a motor dealer associated with us. You will need to take this certificate with you to a dealer.
We are NOT inviting you to make an application for a loan or a hire purchase facility. As and when you decide to purchase a motor car our associate dealer will prepare and submit an application for a specific loan or credit.
3) What enquiries will we make about you?
i) ln assessing your application we will make enquiries about youincluding searching your records held by Equifax (or any other credit reference agency from time to time) and checking your detailswith CIFAS (or any other fraud prevention agency from time to time). The credit reference and fraud prevention agencies will keep records of our search.
ii) lf you decide to purchase a motor car and the dealer submits an application for finance on your behalf then the lenders to whom the dealer submits your application will also search the credit reference and fraud prevention agencies. Any lender with whom you complete a formal contract for credit will disclose details to these agencies about how you conduct your agreement with them.
4) How do you make an application?
i) Complete the simple form of application with the information which we have requested. Then click on to the “submit” button if you wish to proceed.
ii) After clicking on to the “submit” button you must then read and understand the Equifax terms and conditions and then click on tothe “agree” button to indicate that you accept the terms and conditions.
As part of your application process, you may be issued by mail a Swipe and Drive card
5) Data Protection and Privacy
Subject to the disclosures contained in Clause Four above
i) We will not collect sensitive personal information about you – concerning your health, racial or ethnic origins or political or religious beliefs.
ii) We will not disclose any of your personal information to any third party.
iii) We will use personal information and preferences to enhance our promotional efforts and to analyse usage of our website to improve its content for the purpose of improving the site to meet the needs of customers.
iv) We analyse all information received through customers or prospective customers so as to determine the browser type, the operating system being used, the lP address and the lnternet Service Provider. We gather up this data for our own purposes and in a way that ensures that your personally identifiable information is never disclosed to a third party. Demographic third party profile data may be used to provide collective user profiles to our advertising and marketing consultants from time to time, but this will be done in such a way that you cannot be personally identified.
v) We conduct email surveys occasionally asking customers forinformation relating to their postal code, their age, or income levels – but such information that you may provide will be protected in the way we have explained and you may opt out of receiving future survey mailings by contacting us in the way we have described previously(by telephone / fax/ email / post).
vi) lt is possible that third parties may unlawfully intercept or access transmissions or private communications and in that event we cannot guarantee that your personally identifiable information with us will always remain absolutely private, but we use standard practices to protect your privacy.
6) Your use of this site
i) You are free to browse and print the content of our display and you may also download a copy of the content for personal and non-commercial use by you.
ii) The content of the website is the copyright of The Trade Centre Group Plc and you must not reproduce any of the content, apart from the copying described under paragraphi). ln particular you must not:
i) Redistribute any of the content.
ii) Remove the copyright or trademark notices from copies of the content which you have obtained from the website.
iii) Create a database by systematically downloading and storing the content of the website.
iii) lf you wish to republish or redistribute the content you should make a request to us in writing or by email.
iv) You must not use the website in a way that causes, or is likely to cause, the website or access to it to be interrupted, damaged or impaired in any way or is injurious to us or to third parties; nor use it to send chain letters, mass mailings or any ‘spam’, or to cause annoyance or inconvenience or needless anxiety. ln general you must use this website only for lawful purposes.
7) Finance Application:
The Financial Conduct Authority is the independent regulator of financial services in the United Kingdom. The Trade Centre Group PLC (‘we’, ‘us’, ‘our’) is authorised and regulated by the Financial Conduct Authority (our registration number is 689365) and is permitted to carry on relevant regulated consumer credit activities including acting as a credit broker and not a lender.
The Trade Centre Group PLC does not offer access to all available options across the whole of the consumer credit market but we can introduce you to a select panel of lenders who may be able to help you finance your vehicle of choice.
In order to carry out a free finance check, you agree that you are able to provide 3-years of address history within the UK.
To better establish your potential eligibility for credit or hire purchase facilities, DealTrak Limited has been appointed as a processing agent for and on behalf of The Trade Centre Group PLC and our select panel of lenders. DealTrak Limited will analyse your credit information to determine your financial status and use your information for the purposes of identifying and ranking the most appropriate credit products for you, taking into account your personal circumstances. By accepting these Terms and Conditions you consent to your personal information being passed to DealTrak Limited, via The Trade Centre Group PLC.
By accepting these Terms and Conditions you also consent to the disclosure of your personal data, and other details recorded, to one or more lenders from our select panel. You acknowledge that each prospective lender, to whom we direct your application, will search your record with credit reference agencies, which will add to their record about you details of the hard credit search made by the prospective lender, and details of your application. These credit searches can have a negative impact your credit score and rating and details of these searches may be seen by other organisations in the future.
Until a specific vehicle has been selected, it is not possible to predict the potential final outcome of any application for credit or hire purchase facilities. Each prospective lender will also carry out an assessment of the vehicle selected. Each prospective lender has the right to apply special conditions to an offer of credit, restrict the level of advance or term of agreement, or even to decline a previously accepted application following a full assessment of the finance proposal and any additional information requested. The Trade Centre Group PLC has no influence over any lending decision and acts only in its capacity as a credit broker. All applications are subject to status and no credit or hire purchase facility is guaranteed.
The prospective lender will also add to your record with credit reference agencies, details of your agreement with them and of your payment record under the hire purchase or credit agreement, should you enter into an agreement with them. These records will be shared with other organisations and may be used by them to consider further applications for credit and credit related services, to trace debtors, recover debt, and for fraud prevention. For more information, please refer to our full Privacy Notice.
The Credit Reference Agencies used by the lenders on our select panel have produced a Credit Reference Agency Information Notice (“CRAIN”) which details how they will use your data after we have provided it to them.
This information is available at CRAIN:
Please contact us if you wish to receive details of the relevant fraud prevention agencies.
The Trade Centre Group PLC will only process your personal information and data for the above purposes and on the basis that such processing is necessary for us to comply with the law, or is necessary for performance of a contract we have in place with you, or because you have asked us to take specific steps before entering into a contract. For more information, please refer to our full Privacy Notice.