1. Why this page exists
The privacy notice further down the footer is written the way the regulator needs it written. This page says the same thing the way a person would say it. If you read only one, read this one, then call us if something worries you.
2. The five things we ask for
Who you are — your name, date of birth, photograph, BVN, NIN and licence. So that nobody can use your documents to get a vehicle in your name.
What you earn — three months of statements. So that we do not give you a payment you cannot make.
Your documents — photographs of your licence, ID, proof of address and statements.
Where the vehicle is — while it is financed and not yet yours.
Two people who know you — their names and phone numbers, and nothing more.
3. What we never ask for
Your bank password. Not on the phone, not in the app, not at the office. If anyone asks you for it, they are not from Carcelerate and you should call 0700 227 2000 immediately.
Your card PIN.
Money to apply. There is no application fee, and no agent may ask you for one.
4. Tracking, plainly
The vehicle has a tracker because it belongs to us until you have paid for it. We can see where the vehicle is. We cannot hear anything, we cannot see your phone, and we do not follow you when you are not in it.
Positions are deleted after 90 days.
When the vehicle becomes yours the tracking stops. That is not a favour — the vehicle is no longer ours to track.
5. What your guarantors are told
That you named them, and what they are agreeing to. If you fall behind, they are told that, and asked how to reach you.
They are never shown your income, your bank details, your balance or how much you owe.
6. Seeing what we hold on you
Call 0700 227 2000 and ask for your data. We send it within 30 days and it costs nothing. You do not need a letter, a lawyer, or a reason.