Privacy Policy

Last revised: 21.05.2026

Introduction

Everyday Car Loans is a trading name of 4MM Limited (“we”, “us”, “our”). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, share, and protect your personal data when you use our website or apply for car finance through us.

Please read this policy carefully. If you have any questions or concerns, contact us using the details at the end of this document.

Who We Are

The data controller responsible for your personal information is:

• Company name: 4MM Limited trading as Everyday Car Loans
• Company number: 07783098
• ICO registration: Z314122X
• FCA reference: 947962
• Registered office: The Courtyard, Old Courthouse Road, Bromborough, Wirral, CH62 4UE
• Postal address: First Floor Office, The ACC, Market St, Altrincham WA14 1PF
• Email: info@everydaycarloans.com

What Information Do We Collect?

Depending on how you interact with us, we may collect the following categories of personal data:

Information you provide directly

• Full name, date of birth, and nationality
• Current and previous addresses (including how long you lived there)
• Email address and telephone number
• Employment status, employer name, and income details
• Monthly expenditure and financial commitments
• The vehicle you are looking to finance (make, model, value)
• Details of any adverse credit history you choose to disclose
• Bank account details (if required at a later stage by a lender)

Information we collect automatically

• IP address and approximate location
• Browser type, version, and operating system
• Pages visited and time spent on our website
• Referring website or source (e.g. a search engine or advertisement)
• Cookie identifiers (see our Cookie Policy for details)

Information from third parties

• Credit reference information passed back to us by lenders on your panel results
• Fraud prevention data from industry fraud databases
• Marketing data from lead generation partners (where you have consented)

How We Use Your Information

We use your personal data for the following purposes:

• To assess your eligibility and pass your application to suitable lenders on our panel
• To communicate with you about your application and any offers received
• To verify your identity and prevent fraud
• To comply with our legal and regulatory obligations as an FCA-authorised credit broker
• To improve our website, services, and marketing effectiveness
• To send you marketing communications where you have consented or where we have a legitimate interest to do so
• To resolve complaints and handle any disputes

Legal Basis for Processing

We rely on the following legal bases under the UK GDPR and Data Protection Act 2018:

• Contract performance: processing your application and connecting you with lenders is necessary to take steps at your request before entering into a contract
• Legitimate interests: fraud prevention, improving our services, and internal business administration - where these interests are not overridden by your rights
• Legal obligation: complying with FCA regulations, anti-money laundering requirements, and other statutory duties
• Consent: for optional marketing communications - you may withdraw consent at any time by contacting us or using any unsubscribe link in our emails

Sharing Your Information

We do not sell your personal data. We may share it with the following categories of recipient:

Finance partners (lenders)

We will pass your application details to one or more lenders on our panel who may be able to offer you a finance agreement. Each lender will process your data in accordance with their own privacy policy. By submitting an application you consent to us sharing your data with our panel for this purpose.

Credit reference agencies

Lenders on our panel may carry out soft or hard credit searches with one or more of the UK’s credit reference agencies - Experian, Equifax, and TransUnion. We will always tell you before any search that may leave a visible footprint on your credit file.

Fraud prevention agencies

We and our panel lenders may share data with fraud prevention agencies such as CIFAS. If fraud is detected, you could be refused certain services in future.

Technology and service providers

We use third-party service providers to operate our website and business, including web hosting, analytics, email delivery, and customer relationship management. These providers process data only on our instructions and are bound by data processing agreements.

Regulatory and legal authorities

We may disclose information to the Financial Conduct Authority, Information Commissioner’s Office, law enforcement agencies, or courts where required by law.

Our Finance Partners

We work with a panel of FCA-authorised finance partners. Our current panel includes, but is not limited to, the following lenders. Each maintains their own privacy policy governing how they handle your data once your application is passed to them:

• Moneybarn No. 1 Limited - Privacy Policy
• Advantage Finance Limited - Privacy Policy
• First Response Finance Limited - Privacy Policy
• Marsh Finance Limited - Privacy Policy
• Oodle Car Finance - Privacy Policy
• Evolution Funding Limited - Privacy Policy
• Alphera Financial Services - Privacy Policy
• Blue Motor Finance - Privacy Policy
• Startline Motor Finance - Privacy Policy
• Zuto Limited - Privacy Policy

This list may change from time to time. Please contact us if you require an up-to-date list of all partners your data may be shared with.

Data Retention

We retain your personal data only for as long as necessary for the purposes set out in this policy:

• Application data: retained for 6 years following the end of our relationship with you, in line with FCA guidance and limitation periods for legal claims
• Marketing data: retained until you withdraw consent or opt out of communications
• Website analytics: aggregated or anonymised data may be retained indefinitely; identifiable data is typically retained for up to 26 months
• Complaints records: retained for a minimum of 3 years in line with FCA requirements

Your Rights

Under UK data protection law you have the following rights:

• Right to access: you can request a copy of the personal data we hold about you (a “subject access request”)
• Right to rectification: you can ask us to correct inaccurate or incomplete data
• Right to erasure: you can ask us to delete your data in certain circumstances (the “right to be forgotten”)
• Right to restriction: you can ask us to pause processing of your data in certain circumstances
• Right to data portability: you can ask us to transfer your data to you or another organisation in a structured, machine-readable format
• Right to object: you can object to processing based on legitimate interests or for direct marketing purposes
• Rights related to automated decision-making: you have the right not to be subject to solely automated decisions that have a significant effect on you

To exercise any of these rights, please contact us at info@everydaycarloans.com. We will respond within one calendar month. We may need to verify your identity before processing your request.

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at www.ico.org.uk or by calling 0303 123 1113.

Cookies and Similar Technologies

We use cookies and similar tracking technologies to improve your experience on our website, analyse usage, and support our marketing activity. For full details of the cookies we use and how to manage your preferences, please see our Cookie Policy.

Essential cookies

These are strictly necessary for the website to function and cannot be disabled.

Analytics cookies

We use tools such as Google Analytics to understand how visitors use our website. The data collected is aggregated and does not identify you personally.

Marketing cookies

Where you have consented, we may use cookies from advertising platforms (including Google Ads) to measure the effectiveness of our campaigns and to show relevant adverts elsewhere online.

Security

We take the security of your personal data seriously. We implement appropriate technical and organisational measures to protect your information against unauthorised access, loss, or disclosure. These include encryption of data in transit (TLS), access controls, and regular security reviews.

No method of transmission over the internet is completely secure. While we do our best to protect your data, we cannot guarantee its absolute security. If you believe your data has been compromised, please contact us immediately.

International Transfers

We aim to process your data within the UK and European Economic Area (EEA). Where we use service providers based outside the UK/EEA, we ensure appropriate safeguards are in place (such as UK Standard Contractual Clauses or adequacy decisions) to protect your data to the same standard required under UK data protection law.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the “last revised” date at the top of this page. We encourage you to review this policy periodically.

How to Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us:

• Email: info@everydaycarloans.com
• Post: First Floor Office, The ACC, Market St, Altrincham WA14 1PF