HOW THE CREDIT UNION WILL USE AND SHARE YOUR INFORMATION
This credit union will process your data in accordance with your rights under the Data Protection Act 1998.
Your information may be processed by this credit union in any form and on any database used by us for the following purposes:

  • to consider any applications made by you;
  • to help us to make credit decisions about you and anyone to whom you are linked financially or other members of your household;
  • to deal with your account(s) or run any other services we provide to you;
  • to undertake statistical analysis, financial risk assessment, money laundering checks (which may include telephoning you), compliance and regulatory reporting, fraud prevention and debt tracing;
  • to help us identify products and services which may be of interest to you (unless you have asked us not to);

Sharing Information
We hold a category H Consumer Credit Licence and will disclose information outside the credit union only:

  • to our agents or subcontractors for operational reasons;
  • to any persons, including, but not limited to, insurers, who provide a service or benefits to you or for us in connection with your account(s);
  • to licensed credit reference agencies in accordance with the Data Protection Act
  • to fraud prevention and other agencies to help prevent crime or where we suspect fraud;
  • if compelled to do so by law;
  • for the purpose of compliance and regulatory reporting and to confirm your identity for money laundering purposes, which may include checking the electoral register;
  • to HMRC (Her Majesty’s Revenue & Customs) on request of specific information;

Subject Access Rights
If you write to us and pay a fee of £10 you have a right of access to your information held by us. You have a right of access to your information held by credit reference agencies on payment of a fee to them. If you ask we will tell you the name and address of the credit reference agencies we may use.