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Terms & Conditions

Pegasus Finance make services available to ease your next purchase and to ensure an affordable loan.

In the interest of treating the customer fairly, we are very open and we suggest you read the terms and conditions below prior to completing an application.

Status Disclosure

Who are we?

Pegasus Finance
Technology House
Station Road
Alton
Hampshire
GU34 2PZ

What can we do to help finance your purchase?

We can introduce you to a number of lenders who may be able to help finance your purchase.  We can only introduce you to these lenders.

Are we able to help you finance your purchase?

Yes, we are authorised and regulated by the Financial Conduct Authority to arrange consumer credit, FCA Firm Reference Number 662397. You can if you wish check this on the financial services register, by visiting the Financial Conduct Authority’s website – click here.

Please ensure you can afford any loans you take out. If you are unable to keep up with repayments you may incur additional charges, you may receive a county court judgement and you may experience problems obtaining credit in the future.

Do you have to pay for our help?

No, you make no payment to us; however a lender may pay us commission for making an introduction of business.

Can we give you independent financial advice?

No, we are not independent financial advisers and so are unable to provide you with independent financial advice.

Commission Disclosure

Our service is provided free of charge to all customers. If you decide to proceed with a loan, we may receive a commission from the lender, the value of which is determined by the lender and may vary depending on factors such as; the loan amount, the type of asset being financed and your credit score.

The commission we earn will not affect the amount you have to repay under any agreement.

What can you do if you wish to complain about our services?

If you wish to make a complaint, please contact us in the first instance by writing to us at Pegasus Finance, Technology House, Station Road, Alton, Hampshire, GU34 2PZ, by e-mailing info@pegasusfinance.co.uk or by telephoning us on 0800 066 2882. If you cannot settle your complaint with us, you may be able to refer to the Financial Ombudsman Service

1. ACCEPTANCE OF TERMS
These terms and conditions are the contract between you and Pegasus Finance. By visiting or using our website, you agree to be bound by them. Our suppliers may also impose additional terms and conditions to which your contract with them will be subject.

Pegasus Finance is a trade name of The Car Loan Warehouse Ltd, company number 8127935 incorporated in England, whose registered address is Technology House, Station Road, Alton, Hampshire, GU34 2PZ.

These are the website terms and conditions of The Car Loan Warehouse Ltd. Please read these Terms and Conditions carefully, they set out the basis on which you are allowed to use this website and the information contained within it.  They protect you as a user of the Site and prevent the Site from being used for any illegal or unauthorised purposes.
By proceeding with access to this Site, you are deemed to have accepted both these Terms and Conditions and our Privacy Policy. If you do not wish to be bound by these terms you should leave the Site now.

2. INFORMATION ON OUR SITE
We endeavour to ensure that the information on the Site is accurate and helpful at all times. However, we cannot ultimately warrant the accuracy of that information and cannot be held liable for any use or reliance you may make of or put on it except as specifically agreed with us in any further agreement we may make with you in writing.
The information contained on the site is general in nature, and is intended as a guide only to the types of products and services offered by Pegasus Finance.  Users are advised to consult with Pegasus Finance and to check any product or service information for specific information.

3. YOUR USE OF OUR SITE
Under 18 years? Sorry, but we deal only with people who are legally able to enter into a binding contract. You must not under any circumstances seek to undermine the security of the Site or any information submitted to or available through it. In particular, but without limitation, you must not seek to access, alter or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of this Site or attempt to decipher, disassemble or modify any of the software, coding or information comprised in the Site.
You are solely responsible for any information submitted by you to our site.  You are responsible for ensuring that all information supplied by you is accurate, up-to-date and not misleading or likely to mislead or deceive.

4. INTELLECTUAL PROPERTY
The Car Loan Warehouse Ltd.  reserves all right to material on our website. The trade marks, service marks, and logos contained on or in this Site are registered and/or owned by or licensed to The Car Loan Warehouse Ltd. You may not reproduce part or all of the contents of the Site in any form unless it is for personal and non commercial use. You agree to indemnify and keep indemnified, us, our officers, directors, agents, licensors, successors and assigns against all liabilities, costs, losses, damage and expenses, including without limitation legal fees incurred by us should you breach any of the terms of this section.

5. LINKS TO THIRD PARTY SITES
This Site may include links to other websites which are not owned, operated, or controlled by Pegasus Finance.  Pegasus Finance provides you with such links solely for your convenience. The inclusion of such links does not mean or imply that  Pegasus Finance endorses the Third Party Websites, its availability or contents or any agreement or understanding you enter into with a third party through a Third Party Website. Pegasus Finance does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these Third Party Websites.

6. DISCLAIMER/LIABILITY
We do our best to ensure that the information on the Site is accurate at all times, however, we cannot ultimately be held accountable for the accuracy of that information and cannot be held liable for any use or reliance you may put on it. The information contained on the site is general in nature, and is intended as a guide only to the types of products and services offered by The Car Loan Warehouse Ltd. Users are advised to consult with The Car Loan Warehouse Ltd. and to check any product or service information for specific information. The Site includes links to other websites which are not owned or operated by The Car Loan Warehouse Ltd. The Car Loan Warehouse Ltd provides such links for your information and convenience. The inclusion of such links does not mean or imply that Pegasus Finance endorses the content or any agreement or understanding you enter into with a third party through such a link. The Car Loan Warehouse Ltd. does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these third party websites. We try at all times to ensure that the information on the Site is accurate, complete and up to date. In using the Site however, you agree to be bound by the Terms & Conditions, which take effect from the date of your first visit to the Site. We endeavour to make sure that the Site operates properly at all times, but we accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to the Site (which includes without limitation) any errors or omissions contained in the Site or if the Site is unavailable and we shall not be liable for any direct or indirect: Economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings); Loss of goodwill or reputation; or Special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.

7. GENERAL
These Terms and Conditions constitute the entire agreement between you and Pegasus Finance concerning your use of this Site and supercede any previous arrangement, agreement, undertaking or proposal, written or oral between you and Pegasus Finance in relation to such matters. Pegasus Finance reserves the right to update these Terms and Conditions from time to time without notice. You should check the Terms and Conditions periodically to ensure that you are aware of and complying with the current version. These Terms and Conditions shall be governed by and construed in accordance with English law and you agree to submit to the exclusive jurisdiction of the English Courts. If any provision(s) of these Terms and Conditions is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties and all other provisions shall remain in full force and effect. Pegasus Finance’s failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. Unless otherwise expressly stated, nothing in the Terms and Conditions shall create any rights or any other benefits whether pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise in favour of any person other than you, Pegasus Finance. Pegasus Finance and our business partners will use your personal details and information we obtain from other sources to deal with your enquiries, consider your application, including carrying out credit searches, for marketing and to ensure that the services and advertising we offer are tailored to your needs and interests.  We and our business partners may contact you by mail, telephone, email or other electronic messaging service with offers of products or services that may be of interest to you. By providing us with your contact details, you agree to being contacted by the methods and for the purposes set out in, and in accordance with, our Privacy Policy. All calls made to and from Pegasus Finance may be recorded for training and quality purposes. In assessing your loan application, we will make enquiries about you including searching your record with the credit reference agencies.  You consent to us disclosing details of your finance application and we may use a ‘credit scoring’ or other automated process in deciding whether to accept your application.  Your information may also be sent to a 3rd party for further loan options who may also search your record with the credit reference agencies.  If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.

Privacy Policy

How we use your personal information

This privacy notice is to let you know how Pegasus Finance promises to look after your personal information. This includes what you tell us about yourself, what we learn by having you as a customer, and the choices you give us about what marketing you want us to send you. This notice explains how we do this and tells you about your privacy rights.

Our Privacy Promise

We promise:

  • To keep your data safe and private.
  • Not to sell your data.
  • To give you ways to manage and review your marketing choices at any time.

Who are we?

Pegasus Finance (“us”, “we”, “our”) is a finance broker based in Alton, Hampshire, regulated and authorised by the Finance Conduct Authority to provide funding solutions most suitable for our customers.

You can find us online at www.thecarloanwarehouse.com or at our headquarters – Technology House, Station Road, Alton, Hampshire, GU34 2PZ.

If you would like additional information about how your personal data is used please write to us at the above address or call 0800 066 2882.

Why do we collect personal data?

Our legal basis for processing your personal data is the legitimate interest of Pegasus Finance and the third parties that we will disclose your information to in order to provide you with a quote or arrange a finance agreement.

Processing is necessary as our decisions and those of our lenders depend upon each customer’s individual circumstances and credit history. The data we ask you to provide is required data and without it we cannot proceed with your application.

Where do we collect personal data from?

We may collect personal information about you (or your business);

  • When you complete an application on our website.
  • When you send us emails or letters via the post.
  • When you speak to one of our staff over the phone or in person.
  • If you take part in any competitions or promotions.
  • From companies who introduce you to us (introducers).

How do we use your personal data?

We may use your personal information to;

  • Ascertain the suitability of our products and services to your requirements.
  • Consult credit reference agencies regarding your credit history.
  • Keep our records up to date, working out which of our products and services may interest you and telling you about them.
  • Conduct market research including requesting customer reviews.

Who do we share personal data with?

We are very careful with the handling of your personal information. We will never sell your personal information or pass it onto a third party without legitimate interest. We may pass your personal information to;

  • Lenders we think may provide you with a finance product.
  • Our data handling software partner.
  • Affiliates who’s website you have applied through.
  • Law enforcement agencies in connection with any investigation.
  • We may also share your personal information if the make-up of Pegasus Finance changes in the future;

Lenders may use your personal data for statistical analysis and analytics regardless of whether the applicant takes up a loan with them or not. They will also carry out credit reference checks, see below.

We may choose to sell, transfer, or merge parts of our business, or our assets. Or we may seek to acquire other businesses or merge with them.

During any such process, we may share your data with other parties. We’ll only do this if they agree to keep your data safe and private.

If the change to our company happens, then other parties may use your data in the same way as set out in this notice.

Credit reference checks

In order to process your application you consent to us and our panel of lenders performing credit, identity and anti-fraud checks on you, which will involve search(es) with one or more credit reference agencies (Equifax Ltd and/or Experian Ltd).

To do this, we will supply your personal information to CRAs, which they will record, and they will provide information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.

This information will be used to:

  • Assess your creditworthiness and whether you can afford to take the product;
  • Verify the accuracy of the data you have provided to us;
  • Prevent criminal activity, fraud and money laundering;
  • Manage your account(s);
  • Trace and recover debts; and
  • Ensure any offers provided to you are appropriate to your circumstances.

When CRAs receive a search from us they may place a search footprint on your credit file that may be seen by other lenders. Should we refer your application to another lender, they too will complete a search via a CRA and this may leave a search footprint.

If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

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 FPAs and other organisations involved in crime and fraud prevention.

Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 2018.

CIFAS Notice

Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. These checks require us to process personal data about you.

The personal data you have provided, we have collected from you, or we have received from third parties will be will be used to prevent fraud and money laundering, and to verify your identity.

Details of the personal information that will be processed, for example: name, address, date of birth, address, contact details, financial information, employment details, device identifiers including IP address and vehicle details.

We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime

We process your personal data on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested.

Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.

AUTOMATED DECISIONS

As part of the processing of your personal data, decisions may be made by automated means. This means we may automatically decide that you pose a fraud or money laundering risk or if our processing reveals your behaviour to

be consistent with that of known fraudsters or money launderers; or is inconsistent with your previous submissions; or you appear to have deliberately hidden your true identity. You have rights in relation to automated decision making: if you want to know more please contact us using the details above.

CONSEQUENCES OF PROCESSING

If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested, or to employ you, or we may stop providing existing services to you.

A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details above.

DATA TRANSFERS

Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose contractual obligations on the recipients of that data to protect your personal data to the standard required in the European Economic Area. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.

YOUR RIGHTS

Your personal data is protected by legal rights, which include your rights to object to our processing of your personal data; request that your personal data is erased or corrected; request access to your personal data.

For more information or to exercise your data protection rights please, please contact us using the contact details above.

You also have a right to complain to the Information Commissioner’s Office which regulates the processing of personal data.

How long will we store personal data for?

Personal data will be securely stored for a set period, this is necessary to fulfil our legal obligations and the legitimate interests of our business. We may keep your data for one of these reasons;

  • Accuracy – To respond to any questions or complaints.
  • Customer consideration – To show that we treated you fairly.
  • Legality – To maintain records according to rules that apply to us.
  • Anti-fraud & money laundering – To assist our underwriters to identify illegal actions.
  • Data security – To keep your personal data secure always.

All personal data received will be kept securely for six years. Should you take out a finance agreement via our services, we’ll retain your data for a period of six years plus the term of the loan.

All telephone recordings will be stored indefinitely. We consider the risk of a personal data breach is significantly reduced if we do not grant access to personnel tasked with deleting data.

How to get a copy of your personal data

You are able to request a copy of your personal data we hold on file by simply calling 0800 066 2882 or writing to Pegasus Finance, Technology House, Station Road, Alton, Hampshire, GU34 2PZ. Alternatively, email us directly on info@thecarloanwarehouse.com.

Accuracy of your personal data

Please complete all applications and communications with us with accurate information. If you think that personal data we hold about you is incorrect or incomplete please contact us, we will take reasonable steps to check it and correct accordingly.

Your right to be forgotten

You have the right to object to our use of your personal information, or to ask us to delete, remove, or stop using your personal information if there is no need for us to keep it. This is known as the ‘right to object’ and ‘right to erasure’, or the ‘right to be forgotten’.

There may be legal or other reasons (legitimate interest) why we need to keep or use your data. But please tell us if you think that we should not be using it.

Withdraw your consent to marketing

From time to time we may contact you with information about products or services we feel would be of interest to you. If you would prefer not to receive this information please let us know by simply completing this form, calling 0800 066 2882 or writing to Pegasus Finance, Technology House, Station Road, Alton, Hampshire, GU34 2PZ. Alternatively, email us directly on info@pegasusfinance.co.uk.

Complaints

If you wish to raise a complaint with regards to how we have handled your personal data, you can contact us to have the matter investigated: please e-mail info@pegasusfinance.co.uk or call 0800 0666 2882.

If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law you can complain to the Information Commissioner’s Office. You can contact the Information Commissioners Office on 0303 123 1113 or via email https://ico.org.uk/global/contact-us/email/ or at the Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire. SK9 5AF.

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questions

Questions? CALL 0800 066 2882

Our experts are always ready to help