Cobain Digital Ltd
Last Updated: 12 August 2025
Cobain Digital Ltd (“we”, “our”, “us”) is committed to protecting your personal data and respecting
your privacy. This privacy policy explains how we collect, use, and protect your information when
you use our PCP Car Finance Claims service.
1. Who We Are
Cobain Digital Ltd
Registered Office: Highfields, Yeldham Road, Stambourne, Halstead, Essex, CO9 4ND
FCA Firm Reference Number: 713027
Trading Styles: BeFunded, 1st Class Loans, WUCO, Guarantor Loan Comparison
Website: https://cobaindigital.co.uk
Email: privacy@cobaindigital.co.uk
2. The Data We Collect
When you make an enquiry about a PCP car finance refund or claim, we may collect:
• Name
• Contact details (email, phone number)
• Address
• Details of your vehicle finance agreement (lender, agreement dates, monthly payments,
settlement status)
• Any other details you choose to share in your enquiry
3. How We Use Your Data
We use your personal data to:
• Assess your eligibility for a PCP claim
• Pass your details securely to RFLCS Ltd, a regulated claims management company, who
will contact you regarding your claim for PCP only
• Meet our legal and regulatory obligations
• Improve our service through analytics and feedback
Legal Basis for Processing:• Consent – You agree to us passing your details to RFLCS Ltd when you submit an enquiry
form
• Legitimate Interest – To connect you with a suitable claims partner for your PCP claim
4. Who We Share Your Data With
Your data will only be shared with:
• RFLCS Ltd (our exclusive PCP claims partner)
• Technology and hosting providers for secure processing
We do not sell your data to third parties for unrelated marketing.
5. International Data Transfers
We do not routinely transfer your personal data outside the UK. If we do, we will ensure appropriate
safeguards (such as UK-approved standard contractual clauses) are in place.
6. How Long We Keep Your Data
We will retain your data for up to 12 months after your enquiry, unless:
• Your claim progresses with RFLCS Ltd, in which case your data will be retained according
to their retention policy
• We are required to keep it longer for legal or regulatory purposes
7. Your Rights
You have the right to:
• Access your personal data
• Request correction or deletion
• Withdraw your consent at any time
• Object to our processing
• Lodge a complaint with the Information Commissioner’s Office (ICO)
To exercise your rights, email: privacy@cobaindigital.co.uk
8. Cookies & TrackingOur PCP claims website may use essential cookies to function, and analytics cookies to improve
performance (with your consent). You can manage cookies in your browser settings.
9. Automated Decision-Making
We do not use automated decision-making to determine claim eligibility. All assessments are
handled manually by RFLCS Ltd.
10. Changes to This Policy
We may update this policy from time to time and will post the latest version on our website with the
date of last update.
Prepared By:
Paul Cobain, Director – Cobain Digital Ltd
