We are committed to protecting our members’ privacy. The Credit Union will only mark information as mandatory where that information is required to either allow us to meet our legal obligations, or enable us to enter into a 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 for your consent.
How we use your personal information
Metro Moneywise Credit Union may process, transfer and/ or share personal information in the following ways:
For legal reasons, to:
For performance of our contract with you, to:
For our legitimate interests, to:
With your consent, to:
Sharing your personal information
We will disclose information outside the Credit Union to:
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 after you have left the Credit Union.
If you would like a copy of our Retention Policy please contact us on 01706 714579.
Credit Reference Agencies
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.
Our CRA partner is TransUnion, for more information about TransUnion’s activities you can read their Privacy Notice here https://www.transunion.co.uk/legal-information/bureau-privacy-notice.
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 on any of these three links:
Your rights under data protection regulations are:
Your Rights Explained
Right to Access
You have the right to access your personal data and details of the purposes of why we process your data. Providing the rights and freedom of others are not affected, we will supply a copy to you of the personal data that we hold for you.
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 data about you completed.
The Right to Erasure
In some circumstances you have the right to erasure of your personal data without undue delay. Those circumstances include:
However you may not erase this data where we need it to meet a legal obligation or where it is 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:
We will only otherwise process it:
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 purpose 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 gorunds 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:
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.
Rights Related to Automatic Processing
This credit union does not currently use an automated decision making process for processing members’ loans.
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 prior to 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:
Contact us About Your Rights
If you require any further information about how your rights apply to your membership of our credit union or to make a request under your rights you can contact us at firstname.lastname@example.org or phone 01706 714579. We will aim to respond to your request within one month or provide an explanation of the reason for our delay.
Contact Details for Metro Moneywise Credit Union
Name: Diane Edge
Address: Metro Moneywise Credit Union Ltd, Suite F7.9-F7-11, Globe House, Moss Bridge Road, Rochdale, OL16 5EB
Phone: 01706 714579
Email etc: email@example.com
CONTACT METRO MONEYWISE
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