Holdfast Credit Union is committed to protecting our members’ privacy. We require 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 for your consent.
Holdfast Credit Union may process, transfer and/or share personal information in the following ways:
For legal reasons
For performance of a contract with you
For our legitimate interests
With your consent
We will disclose information outside of Holdfast Credit Union
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.
Holdfast 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 HM Revenue & Customs which may transfer that information to tax authorities in countries where you or a connected person may be a tax resident.
Holdfast 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 see the GDPR (General Data Protection Regulation) section below or contact us on 01376 516994.
Your rights under data protection regulations are:
We can update this Privacy Statement at any time and ideally you should check it regularly here for updates. We won’t alert you for every small change, but if there are any important changes to the Statement or how we use your information we will let you know and where appropriate ask for your consent.
Your rights explained
You have t the right to access your personal data and details of the purposes, 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.
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.
In some circumstances you have the right to the erasure of your personal data without undue delay. Those circumstances include:
In some circumstances you have the right to restrict the processing of your personal data. Those circumstances are:
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.
To the extent that the legal basis for our processing of your personal data is:
To the extent that the legal basis for our processing of your personal data 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.
If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with Information Commissioner’s Office which is responsible for data protection in the UK.
You can contact them by:
Going to their website: https://ico.org.uk
Phone: 0303 123 1113
Information Commissioner’s Office,
Wimslow, SK9 5AF.
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 at email@example.com or on 01376 516994. We will aim to respond to your request or query within one month or provide an explanation of the reason for our delay.