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Barrow and District Credit Union Privacy Notice

We are committed to protecting our members’ privacy. The credit union requires any
information marked as mandatory for membership to either meet legal obligations or to
enable us to perform our contract with you. Where you are not able to provide us with this
information, we may not be able to open an account for you. Where we request further
information about you not required for these reasons, we will ask you for your consent.


How we use your personal information


Barrow and District Credit Union may process, transfer and/or share personal information in
the following ways:


For legal reasons

- confirm your identity
- perform activity for the prevention of financial crime
- carry out internal and external auditing
- record basic information about you on a register of members
 

For performance of our contract with you

- deal with your account(s) or run any other services we provide to you;
- consider any applications made by you;
- carry out credit checks and to obtain and provide credit references
- undertake statistical analysis, to help evaluate the future needs of our members and to
help manage our business
- To send you statements, new terms & conditions (including changes to this privacy
statement), information about changes to the way your account(s) operate and notification
of our annual general meeting.
 

For our legitimate interests


- recover any debts owed to us

With your consent

- maintain our relationship with you including marketing and market research (if you agree
to them).

Sharing your personal information

We will disclose information outside the credit union:
- to third parties to help us confirm your identity to comply with money laundering
legislation
- to credit reference agencies and debt recovery agents who may check the information
against other databases – private and public – to which they have access to
- to any authorities if compelled to do so by law (e.g. to HM Revenue & Customs to fulfil tax
compliance obligations)
- to fraud prevention agencies to help prevent crime or where we suspect fraud;
- 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 our suppliers in order for them to provide services to us and/or to you on our behalf
- to anyone in connection with a reorganisation or merger of the credit union’s business
- other parties for marketing purposes (if you agree to this)

Where we send your information

While countries in the European Economic Area all ensure rigorous data protection laws,
there are parts of the world that may not be quite so rigorous and do not provide the same
quality of legal protection and rights when it comes to your personal information.

The credit union does not directly send information to any country outside of the European
Economic Area, however, any party receiving personal data may also process, transfer and
share it for the purposes set out above and in limited circumstances this may involve
sending your information to countries where data protection laws do not provide the same
level of data protection as the UK.

For example, when complying with international tax regulations we may be required to
report personal information to the HM Revenue and Customs which may transfer than
information to tax authorities in countries where you or a connected person may be tax
resident.

Retaining your information


The credit union will need to hold your information for various lengths of time depending on
what we use your data for. In many cases we will hold this information for a period of time
after you have left the credit union.

Credit rating agencies


In order to process any credit applications, you may make, we will supply your personal
information to credit reference agencies (CRAs) and they will give us information about you,
such as details about your financial history. We do this to assess creditworthiness and

product suitability, check your identity, manage your account, trace and recover debts and
prevent criminal activity.


We may exchange information about you with CRAs, including details about your settled
accounts and any debts not fully repaid on time. CRAs will share your information with
other organisations. Your data will also be linked to the data of your spouse, any joint
applicants or other financial associates. This may affect your ability to get credit.
The identities of the CRAs, and the ways in which they use and share personal information,
are explained in more detail on:
- TransUnion: www.callcredit.co.uk
- Equifax: www.equifax.co.uk
- Experian: www.experian.co.uk
Your rights under data protection regulations are:
(a) The right to access
(b) The right of rectification
(c) The right to erasure
(d) The right to restrict processing
(e) The right to data portability
(f) The right to object to data processing
(g) Rights related to automating decision-making and profiling
(h) Right to withdraw consent
(i) The right to complain to the Information Commissioner’s Office
 

Your rights explained
 

Right to Access

You have the right to access your personal data and details of the purposes
of the processing, the categories of personal data concerned and the
recipients of the personal data. Providing the rights and freedoms of others
are not affected, we will supply to you, on request, a copy of your personal

data.

The right to rectification


You have the right to have any inaccurate personal data about you corrected and, taking
into account the purposes of the processing, to have any incomplete personal data about
you completed.


The right to erasure


In some circumstances you have the right to the erasure of your personal data without
undue delay. Those circumstances include:
- the personal data is no longer needed for the purpose it was originally processed
- you withdraw consent you previously provided to process the information
- you object to the processing under certain rules of data protection law
- the processing is for marketing purposes
- the personal data was unlawfully processed
However, you may not erase this data where we need it to meet a legal obligation or where
it necessary for the establishment, exercise or defence of legal claims.


The right to restrict processing

In some circumstances you have the right to restrict the processing of your personal data.
Those circumstances are:
- you contest the accuracy of the personal data;
- processing is unlawful but you oppose erasure;
- we no longer need the personal data for the purposes of our processing, but you require
personal data for the establishment, exercise or defence of legal claims; and
- you have objected to processing, pending the verification of that objection. Where
processing has been restricted on this basis, we may continue to store your personal data.


We will only otherwise process it:

- with your consent;
- for the establishment, exercise or defence of legal claims; or

- for the protection of the rights of another natural or legal person;
The right to object to processing
You have the right to object to our processing of your personal data on grounds relating to
your particular situation, but only to the extent that the legal basis for the processing is that
the data is necessary for the purposes of the legitimate interests pursued by us or by a third
party.
If you make such an objection, we will cease to process the personal information unless we
can demonstrate compelling legitimate grounds for the processing which override your
interests, rights and freedoms, or the processing is for the establishment, exercise or
defence of legal claims.
You have the right to object to our processing of your personal data for direct marketing
purposes (including profiling for direct marketing purposes). If you make such an objection,
we will cease to process your personal data for this purpose.


The right to data portability

To the extent that the legal basis for our processing of your personal data is:
(a) consent; or
(b) that the processing is necessary for the performance of our contract with you
You have the right to receive your personal data from us in a commonly used and machine-
readable format or instruct us to send this data to another organisation. This right does not
apply where it would adversely affect the rights and freedoms of others.

Right to withdraw consent


To the extent that the legal basis for our processing of your personal information is your
consent, you have the right to withdraw that consent at any time. Withdrawal will not affect
the lawfulness of processing before the withdrawal.


The right to complain to the Information Commissioner’s Office

If you consider that our processing of your personal information infringes data protection
laws, you have a legal right to lodge a complaint with the Information Commissioner’s Office
which is responsible for data protection in the UK. You can contact them by:
Going to their website at: https://ico.org.uk
Phone on 0303 123 1113
Post to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF
Contact us about your rights

For more information about how your rights apply to your membership of the credit union
or to make a request under your rights you can contact us admin@barrowdistrictcu.co.uk.
We will aim to respond to your request or query within one month or provide an
explanation of the reason for our delay. Contact address details:
Barrow & District Credit Union
1-3 The Mall
Barrow-in-Furness
LA14 1HL
admin@barrowdistrictcu.co.uk
 

Changes to this Privacy Notice

We can update this Privacy Notice at any time and ideally you should check it regularly at
www.barrowdistrictcu.co.uk. We won’t alert you for every small change, but if there are any
important changes to the Notice and or how we use your information we will let you know
and where appropriate ask for your consent.