Bridgend Lifesavers

CREDIT UNION

logo

save. borrow. invest. safely. locally.

t: (01656) 729912 e: info@blscu.co.uk

Useful Links

If you are currently experiencing financial difficulties and require advice or support, there are a number of organisations that can help.  

   

Bridgend County Borough Council - Benefits / Housing benefits         

CAB (Citizens Advice Bureau)                                     

Communities First Bridgend

Discretionary Assistance Fund

Foodbank – Bridgend

Money Advice Service

Stepchange (Debt Charity)

Water Assist (Wales)

 

Bridgend Lifesavers Credit Union Privacy Notice

This notice provides information about how Bridgend Lifesavers Credit Union (“Credit Union”) collects, processes and shares your personal data.

For the purposes of the applicable data protection law including the Data Protection Act 1998 and, from its entry into force on 25 May 2018 the General Data Protection Regulation (Regulation (EU) 2016/679) (“Data Protection Law”), Bridgend Lifesavers Credit Union, Community Hub, Merfield Close, Sarn, CF32 9SW is the Data Processor and Data Controller of the information it collects from you.  

Should you have any queries or require further information please contact General Manager Nicola Field on  01656 729912/ 01656 667089, info@blscu.co.uk or by post using the address above

 

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 collect your information

The Credit Union will collect personal information about you throughout your dealings with the Credit Union on the forms you complete and through correspondence you send us (via post and email). This includes for example:

 

How we use your personal information

Bridgend Lifesavers credit union may process, transfer and/or share personal information in the following ways:

Legal obligation

 

Legitimate interest

Performance of our contract with you

With your consent

Sharing your personal information

We will disclose information outside the credit union only:

·      to third parties to help us confirm your identity to comply with money laundering legislation

·      to any authorities if compelled to do so by law (e.g. to HM Revenue & Customs to fulfil tax compliance obligations)

·      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);

 

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.

To read our policy for retaining members data please contact us at: Bridgend Lifesavers Credit Union, Community Hub, Merfield Close, Sarn, CF32 9SW or info@blscu.co.uk 

 

Credit rating agencies

 

In order to process credit applications you make we may supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as 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.

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:

 

 

For more information about CRA privacy policy, please click on Call Credit link below:

 

https://www.callcredit.co.uk/legal-information/bureau-privacy-notice

Your Rights

 

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 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:

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:

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 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.

 

Rights related to automatic processing

 

This credit union does not use an automated decision making process for processing members’ loan applications and makes a decision based on set policies e.g. the credit union does not lend to those less than 18 years of age, or the credit union does not lend to people who do not have an active credit union account.

 

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:

  1. Going to their website at: https://ico.org.uk
  2. Phone on 0303 123 1113
  3. 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 info@blscu.co.uk or 01656 729912/ 01656 667089.  We will aim to respond to your request or query within one month or provide an explanation of the reason for our delay.

 

CONTACT DETAILS OF CREDIT UNION

Bridgend Lifesavers Credit Union

Community Hub,

Merfield Close,

Sarn,

CF32 9SW

01656 729912/ 01656 667089

 

info@blscu.co.uk

 

Changes to this privacy policy

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

 

                              

 

 

 


Bridgend Lifesavers Credit Union The Life Long Learning Centre Murfield Close Sarn Bridgend CF32 9SW Telephone 01656 729912
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration Number 213681

fscs cu cymru