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.
We will collect information from all our members to ensure that we provide you with high standards of service, and to protect your privacy. Where your information is used we will endeavour to communicate how and where we may use your data.
By joining the Credit Union you agree that we can send you statements, new terms & conditions, information about changes to the way your account(s) operate and notification of our Annual General Meeting (AGM) and invitations to any Special meetings that may be called by management or on behalf of members.
North London Credit Union may process, transfer and/or share personal information in the following ways:
For our legal obligations:
For performance of our contract with you:
For legitimate interests:
With your consent:
We will disclose information outside the Credit Union only:
We will never divulge your information to another third party that has not already been mentioned, except where you have provided consent to do so.
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.
The Credit Union will need to hold your information for various lengths of time depending on what the data is used for. In many cases we will hold this information for a period of time after you have left the Credit Union.
In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). Where you take banking services from us we may also make periodic searches at CRAs to manage your account with us.
To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information.
We will use this information to:
We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.
When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.
If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at www.northlondoncreditunion.co.uk/crain. CRAINs (Credit Reference Agency Information Notice) is also accessible from each of the three CRAs – clicking on any of these three links will also take you to the same CRAIN document:
To provide you with a good online journey, we will store a number of cookies on your machine, to help us associate important information with you.
If you want more information on how we use and hold your data, or if you think we may be holding incorrect information, please get in touch on the details below and we will happily review the information we store. We will keep all the records we have on you unless you tell us otherwise.
If you would like to request a copy of all the personal details we are holding on you then please get in touch on the details below. Any request will be subject to a £10 administration fee.
If you no longer wish us to hold your personal data, please contact us on the details below. Please note that we may not be able to provide you with our services without access to your data and we are required to retain certain data on our former and current members so may not be able to comply fully with such requests.