Benarty and Lochgelly 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.

About us

Benarty and Lochgelly Credit Union is a ‘data controller’ and gathers and uses certain information about you. Where Benarty and Lochgelly Credit Union is also a ‘data processor’, we will process information received from third parties about you.

Benarty and Lochgelly Credit Union does not consider its controlling of and processing of data to be on a large enough scale to employ a Data Protection Officer. All Directors, staff & volunteers are subject to continuous training in the importance of Data Protection. The credit union has a Data Protection representative who ensures this policy is reviewed no less than annually and will assist with queries raised by the membership, Directors, staff and volunteers.

Benarty and Lochgelly Credit Union is registered in Scotland and has its registered office at 11 Benarty Square Ballingry Fife KY5 8NR.

Benarty and Lochgelly Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 213610.

How we use your personal information

Benarty and Lochgelly 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 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 operates 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 have appropriate security measures in place to prevent personal information from being accidentally lost, used or accessed in an unauthorised way. We limit access to your personal information to those who have a genuine need to know it and use it confidentially:

  • 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 that 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. We have security measures in place to seek to ensure that there is appropriate security for information we hold.

For a copy of our Data Retention Policy please contact our administration team on telephone number: 01592 868 800 .

COOKIES

With regards to the new requirements on Cookies following the revision of the e-Privacy Directive, the credit union is working towards implementing the new requirements in line with guidance from the Information Commissioner’s Office.
To make using our Site as straightforward as possible and to improve the service we offer you, we use cookies.

WHAT ARE COOKIES?

Cookies are text files that web servers can store on your computer’s hard drive when you visit a website. There are two main types:

  • Transient (or per-session) cookies
    These only exist for your site visit and are deleted on exit. They recognise you as you move between pages, for example, recording items added to an online shopping basket. These cookies also help maintain security.
  • Persistent (or permanent) cookies
    These stay on your machine until expiry or deletion. Many are built with automatic deletion dates to help ensure your hard drive doesn’t get overloaded. These cookies often store and re-enter your log-in information, so you don’t need to remember membership details.
    Additionally, cookies can be first or third party cookies. First party cookies are owned & created by the website you’re viewing- in this case by the Credit Union. Third party cookies are owned & created by an independent company, usually a company providing a service to the website owners. In our case, third party cookies provided from this Site are still subject to the provisions set out below.

WHAT WE USE COOKIES FOR

Internet cookies help you do things online, like remembering log-in details so you don’t have to re-enter them when revisiting a site.

WE USE COOKIES TO:

  • Gather customer journey information across our sites
  • Ensure your privacy in our secure sites
  • Temporarily store details input into our calculators, tools, illustrations and demonstrations

We use both our own (first party) and partner companies’ (third party) cookies to support these activities.
We don’t use cookies to track people’s Internet usage after leaving our sites.

SERVICES REQUIRING ENABLED COOKIES

Some of our services require cookies in your browser to view and use them and to protect your financial and personal information.

CHANGING YOUR COOKIE SETTINGS

You are not obliged to accept cookies that we send to you and you can, in fact modify your browser so that it will not accept cookies. To enable or disable cookies, follow the instructions provided by your browser (usually located within the Help, Tools or Edit facility). Alternatively, an external resource is available, providing specific information about cookies and how to manage them to suit your preferences.
Please note that should you choose to set your browser to disable cookies, you may not be able to access secure areas of this Site, for example any online accounts you may hold.