Privacy Policy
T. C. Harrison Group Limited is committed to protecting your personal information and complying with all applicable legislation in relation to data protection. This policy describes how we collect, use and disclose your personal information.
This policy applies to any personal information about you that you provide to T. C. Harrison Group Limited or which is provided to T. C. Harrison Group Limited by third parties.
The data controller in respect of personal information processed under this policy is T. C. Harrison Group Limited (a company incorporated in England with company number 1863311) whose registered office is at Milford House, Mill Street, Bakewell, Derbyshire, DE45 1HH. T. C. Harrison Group Limited is authorised and regulated by the Financial Conduct Authority (Firm reference number: 312522).
T. C. Harrison Group Limited trading names include T C Harrison Ford, T C Harrison JCB and Milford Motor Factors. T. C. Harrison Group Limited has one trading subsidiary, T.C. Harrison 1960 Limited (a company incorporated in England with company number 0648847) whose trading names include TCH Leasing.
We have a Compliance Officer who you can contact on 01629 816000 or via email datacompliance@tchgroup.co.uk should you have any comments or queries in relation to this policy or T. C. Harrison Group Limited’s use of your personal information.
WHY DO WE COLLECT PERSONAL INFORMATION ABOUT YOU?
T. C. Harrison Group Limited collects personal information about you to provide you with our products and services and to improve and develop these for the future.
WHAT PERSONAL INFORMATION DO WE COLLECT?
T. C. Harrison Group Limited collects the following types of personal information from you:
• Name
• Date of Birth
• Address and address history
• Nationality
• Contact details such as email address and telephone numbers
• Financial information and credit history
• Employment details
• Identifiers assigned to your computer or other internet connected device including your Internet Protocol (IP) address
• Vehicle and/or machine registration and identification numbers
• Telematics information about the location of your vehicle and/or machine
HOW DO WE RECEIVE PERSONAL INFORMATION ABOUT YOU?
T. C. Harrison Group Limited receives personal information about you:
• When you contact us directly, visit our website (www.tchjcb.com http://www.jcb-finance.co.uk/), or use our social media channels, whether to apply for one of our products or services or to make an enquiry or other request.
• T. C. Harrison Group Limited is an approved dealer of J C Bamford Excavators (JCB). If you approach JCB they will provide us with your personal data based upon the machine specification and your geographical location.
• From our other group companies and our carefully selected business partners who provide products and services, such as introducing brokers, fraud prevention or credit reference agencies or trade bodies.
HOW DO WE USE PERSONAL INFORMATION ABOUT YOU?
T. C. Harrison Group Limited and its group may use your personal information for the following purposes:
• To verify your identity and to identify you when you contact us.
• As a precursor to entering into or fulfilling a contractual obligation.
• To make decisions on credit, insurance and other facilities, about you, your financial associate(s), members of your household or your business.
• To help to prevent fraud and money laundering.
• To help administer, and contact you about improved administration of, any accounts, services and products we have provided before, or provide now or in the future.
• Recover debts that you owe and trace your whereabouts.
• To carry out marketing analysis and customer profiling (including with transactional information), conduct research, including creating statistical information using data provided by you.
• To carry out statistical analysis to help with decisions about account management.
• To contact you for marketing purposes relating to products and services that we think will be of potential interest to you.
Any personal data provided to third parties for the purpose of financing will be processed in accordance with their Privacy Policy. Please refer to the Privacy Policy of the financial organisation for details on how your personal data is processed.
We retain the right, to access, view and interrogate JCB Livelink or any successor telematics system operating on JCB Products that have been supplied by us. We may use this system to verify the location, mode of operation, service history or/any other information held on the system regarding operation and/or performance of such JCB Products.
THE LAWFUL GROUNDS THAT WILL BE RELIED UPON WHEN YOUR PERSONAL INFORMATION IS USED
There are different lawful grounds that we rely on to use your personal information and we will collect and use your personal information in the following situations:
• where our use of your personal information is necessary to perform a contract or contracts that you are a party to, or to take steps that you request before entering into a contract. These contracts could include the conditions on which you enter a competition or agreements you enter into for service products, for example;
• where our use of your personal information is within our legitimate interests or the legitimate interests of the organisation with which we have shared your personal information and we have made sure that your personal information, and your rights in relation to that information, are protected. For example, we may rely on this legal ground if we use your personal information to: understand and improve our products, services and/or business or marketing strategies; for research purposes; to manage and improve our relationship with you and for administrative purposes; to help find out what information, products and services are most likely to interest you and to send or show you information, offers, and online advertisements for these products or services; to personalise your experience of our products and services; to ensure that our products and services are delivered and used in accordance with the law and the terms and conditions that apply to them; and where necessary to protect or defend our or another's rights or property, or to detect, prevent, or otherwise address fraud, security, safety or privacy issues;
• where we believe it is necessary to use your personal information to comply with a legal or regulatory obligation;
• in limited circumstances where we believe it is necessary to protect someone's safety or vital interests;
• in certain circumstances, we may need to use your personal information for purposes which are in the public interest; and
• where we have your consent. We will rely on your consent to, for example, to use your personal information for marketing to you by email and text message. Where we rely on consent to use your personal information, you have the right to withdraw that consent at any time . Please see the 'Your rights' section of this notice for more details.
WHO DO WE PROVIDE THIS PERSONAL INFORMATION TO?
T. C. Harrison Group Limited will provide your personal information to:
• The JCB group if you are acquiring or are interested in acquiring JCB Products.
• Affiliated manufacturers if you are acquiring or are interested in acquiring their products.
• Financial services providers, such as our preferred supplier of finance facilities JCB Finance Ltd.
Your personal data may be shared with financial services organisations, such as companies which provide hire-purchase funding and banks providing such funding. This is for the purpose of securing such funding on your behalf. We may provide personal data to enable such financial services organisations to carry out necessary searches in order to enable them to make a funding decision for you and meeting their legal and regulatory requirements.
In addition, these funders may share your data within their group of companies who provide services to them and so that they and any other companies in their group can look after your relationship with us and them.
• Fraud prevention agencies, trade bodies and credit reference agencies.
• Marketing providers.
• Third party debt collection agencies, insolvency practitioners and legal advisors.
• JCB Finance Ltd who provide machinery quotation software to us.
• Our service providers who perform services on our behalf, such as banking services and data management firms.
WHAT WILL T. C. HARRISON GROUP LIMITED DO WHEN YOU APPLY FOR OUR PRODUCTS OR SERVICES?
Before we provide products or services to you T. C. Harrison Group Limited may undertake checks for the purposes of preventing fraud and money laundering and to verify your identity.
We, and fraud prevention agencies, may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
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
Our credit risk management partners may use a scoring or other automated decision-making system to assess your applications and to verify your identity. This means we may automatically decide that you pose a fraud or money laundering risk 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 our Compliance Officer.
CONSEQUENCES OF PROCESSING
If we determine that you pose a fraud or money laundering risk, we may refuse to provide the products or services you have requested, or we may stop providing existing products or 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.
CREDIT RECORDS – CREDIT REFERENCE AGENCIES
If you apply for a credit account for the supply of parts and servicing or machine supply we may undertake credit searches with credit reference agencies.
In considering your applications we will search your credit record together with the record of any partners, other officers or beneficial owners at the credit reference and fraud prevention agencies, along with the record of your business. Information held about you, any partners, other officers or beneficial owners, by the credit reference agencies may already be linked to others with whom you have a joint account or similar financial association. All parties’ information may be taken into account when considering applications so you should make sure you discuss this with them, and share with them this information, before lodging the application.
Whether or not your applications proceed, the credit reference agency will place a record of our search on your credit file. This record will be seen by other organisations when you apply for credit in the future. A large number of applications within a short period of time could affect your ability to obtain credit.
Whether or not your applications proceed, the credit reference agencies will link your records and those of your financial associate(s), including any previous and/or subsequent names. These links will remain on your and their files until you or they tell the agency you are no longer financially linked and the agency accepts this.
The agencies may supply us with credit information, such as previous applications, the conduct of accounts in your and your financial associate’s name, any business accounts you have, fraud prevention information and public information such as County Court Judgments, bankruptcies and the Electoral Register.
The identity of the credit reference agencies, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your rights with the credit reference agencies are explained in more detail at http://www.experian.co.uk/crain/index.html .
When we, credit reference and fraud prevention agencies process personal data, we do so 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 products or services you have requested.
WHERE WE STORE YOUR INFORMATION
All personal information we have about you is stored on secure servers operated by T. C. Harrison Group Limited or its third party service providers. Insert any industry security certification – if applicable (e.g. Cyber Essentials)
HOW LONG WILL WE KEEP PERSONAL INFORMATION ABOUT YOU?
T. C. Harrison Group Limited will keep a copy of your personal information for as long as we have a contractual relationship with you, or from the point of a machine or product purchase, and for a period of 6 years thereafter. For personal information which is not linked to a machine purchase we will keep this for a period of 3 years from the date of the record. All SalesMaster quotes will be kept for 12 months from the point of quote.
We may keep your data for longer periods if we cannot delete it for legal, regulatory or technical reasons. Maintaining your personal information for these periods allows us to keep accurate records for our legal obligations and to handle any future complaints.
DATA TRANSFERS
Whenever T. C. Harrison Group Limited transfer your data outside the European Economic Area (EEA) we impose contractual obligations on the recipients of that information to protect it to the standard required in the EEA.
COOKIES
For detailed information on the cookies we use and the purposes for which we use them see the T. C. Harrison Group Limited Cookie Policy on our website.
YOUR RIGHTS
You have the following rights in connection with your personal information processed by T. C. Harrison Group Limited:
• ACCESS – you can request access to your personal information and further details about how your personal information is handled by T. C. Harrison Group Limited.
• OBJECT – you have the right to object to our processing of your personal information for direct marketing purposes.
• RECTIFICATION – you can request rectification of any incorrect personal data held about you.
• ERASURE – you can request erasure of any personal data where the processing is based on explicit consent.
You have a right at any time to opt-out or withdraw consent of receiving marketing from us and/or to amend the delivery method we use. We will only use your personal information to send you marketing messages if we have either your consent or a ‘legitimate interest’. That is when we have a business or commercial reason to use your information. It must not unfairly go against what is right and best for you.
To manage your rights and delivery preferences please follow the instructions in our marketing communications, enquiry forms or write to us at:
Post: Marketing Department, T. C. Harrison Group Limited, 8 Brookdale Court, Chapeltown, S35 2PT Email: Roy.Hanson@tchjcb.com
You can also opt-out from us passing your information to the other businesses listed above.
You can exercise any of these rights at any time by contacting us contacting our Compliance Officer using the contact details provided above.
If you are concerned or have questions about how T. C. Harrison Group Limited handles your personal data please contact us and we will do our best to assist you. Please note that you have the right to lodge a complaint with the UK Information Commissioner’s Office (or any other appropriate supervisory authority), which may be accessed through the following link https://ico.org.uk/concerns/ .
OTHER IMPORTANT TERMS
If a court finds part of this Privacy Policy illegal or invalid, the rest will continue in force. Each of the Conditions, and each paragraph of each Condition, operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining parts will remain in full force and effect.
If we do not insist immediately that you do anything you are required to do under this Privacy Policy, or if we delay in taking steps against you in respect of your breaching this Privacy Policy, that will not mean that you do not have to do those things and it will not prevent us from taking action against you at a later date.
GOVERNING LAW AND JURISDICTION
This Privacy Policy and any dispute or claim arising out of or in connection with it or its subject matter will be governed by and construed in accordance with the laws of England and Wales.
The parties irrevocably agree that the courts of England will have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Privacy Policy or its subject matter.
CHANGES TO OUR PRIVACY POLICY
T. C. Harrison Group Limited reserve the right to revise this privacy policy or any part of it from time to time. Please check back frequently to see any updates or changes to our privacy policy.