Privacy Notice & Cookies

Kirkham PX Centre (“we”, “us”) provides information and introductions for car finance. We may act as an introducer or credit broker; we are not a lender. This notice explains how we use your information under the UK GDPR and Data Protection Act 2018.

What we collect

• Contact details (name, email, phone) and location (town/city).
• Application details (income, affordability info you provide).
• Technical data (IP address, user-agent, pages viewed).
• Communication history (emails/SMS/notes relating to your enquiry).

How we use your data (purposes & lawful bases)

• To process your enquiry and check eligibility — performance of a contract or steps at your request before entering into a contract (Art. 6(1)(b)).
• To introduce you to suitable lenders/brokers — legitimate interests (Art. 6(1)(f)) in operating our business and finding finance options for you.
• Compliance and record-keeping — legal obligation (Art. 6(1)(c)).
• Updates about your application — legitimate interests (Art. 6(1)(f)).
• Marketing (optional) — consent (Art. 6(1)(a)) where you opt-in; you can withdraw any time.

Who we share with

Where relevant, we may share your information with:

• Credit brokers and lenders to assess eligibility and provide finance offers.
• Service providers (hosting/email/SMS/analytics) under contract and subject to confidentiality.
• Regulators or law enforcement where required by law.

International transfers

Some providers may process data outside the UK. Where they do, we ensure appropriate safeguards (e.g., UK IDTA, Addendum to the EU SCCs, or adequacy decisions).

Retention

Enquiry/application records are typically kept for up to 6 years from last activity for compliance and audit. Marketing preferences are retained until you opt out or for as long as necessary to evidence consent.

Your rights

You have rights to access, rectify, erase, restrict, object, and data portability. You also have the right to withdraw consent where we rely on consent.

Exercising your rights

Email: apply@bad-credit-car.finance or write to us at the address available on our Contact page. We will respond within one month where applicable.

Complaints

You can complain to the Information Commissioner’s Office (ICO) if you’re unhappy with how we handle your data.

Cookies & analytics

Essential cookies keep the site working. If we use analytics (e.g., GA4) or marketing tags, we will request consent where required. You can withdraw consent via your browser or our cookie banner (when enabled).

Marketing

We only send marketing with your consent or where otherwise permitted. Every message includes an unsubscribe option.

Contact

Data protection contact: apply@bad-credit-car.finance. Phone: 01772 971422.

Last updated: 9 January 2026.