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.
2. How we use personal information
Churches’ Mutual Credit Union (CMCU) may process, transfer and/or share your personal information in the following ways:
2.1. For legal obligations
- to confirm your identity
- to perform activity for the prevention of money laundering and financial crime
- to carry out internal and external auditing
- to record basic information about you on a register of members
2.2. For performance of our contract with members
- to deal with your account(s) or run any other services we provide to you;
- to consider any applications made by you;
- to carry out credit checks and to obtain and provide credit references
- to undertake statistical analysis, to help evaluate the future needs of our members and to help manage our business
2.3. For legitimate interests
- to conduct activity for the purposes of debt recovery
2.4. With your consent
- to inform your of products and services by direct marketing (unless you specifically objected to this), or to conduct market research.
As a member of 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.
3. Sharing personal information
3.1 CMCU will disclose information outside the credit union only:
- to third parties to help us confirm your identity to comply with anti-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 any authorities or other parties 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 our members for us in connection with their account(s);
- To our suppliers in order for them to provide services to us and/or to our members on our behalf
- to anyone in connection with a reorganisation or merger of the credit union’s business
4. Where we send personal information
4.1. 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 members’ 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 the member or a connected person may be tax resident
5. Retaining Personal information
CMCU will need to hold information for various lengths of time depending on what we use the data for. In many cases we will hold this information for a period of time after the member leaves the credit union but this must be reasonable and clearly stated.
A summary of our policy for retaining members’ data is available here and a full copy is freely available upon request from firstname.lastname@example.org.
6. Credit Referencing Agencies
In order to process credit applications CMCU supplies personal information to credit reference agencies (CRAs) in exchange for information about the applicant, such as financial history. This is a legitimate interest as it allows CMCU to assess creditworthiness and product suitability, check identity, trace and recover debts and prevent criminal activity.
CMCU will also continue to exchange information about members with CRAs on an ongoing basis, including about settled accounts and any debts not fully repaid on time. CRAs will share information with other organisations. This data will also be linked to the data of a spouse (if applicable), any joint applicants or other financial associates. This may affect an individual’s 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 by:
- CallCredit at www.callcredit.co.uk/crain
- Equifax at www.equifax.co.uk/crain
- Experian at www.experian.co.uk/crain
7. Your Rights
Your rights under data protection regulations are:
7.1 The right to access
7.2 The right of rectification
7.3 The right to erasure
7.4 The right to data portability
7.5 The right to restrict processing
7.6 The right to object to data processing
7.7 Rights related to automating decision-making and profiling
7.8 The right to withdraw consent
7.9 The right to complain to the Information Commissioner’s Office
A full explanation of your rights can be found here
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9. External Links
10. How to Contact Us
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.
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.
- Through the contact form on the home page of this website
- By email to – email@example.com
- By telephone on – 01452 500 463
- In writing to – 3 Beaufort Buildings, Spa Road, Gloucester, GL1 1XB