At Orchard Credit Union we gather and process your personal information in accordance with this privacy notice and in compliance with the relevant Data Protection Regulations and laws. This notice provides you with the necessary information regarding your rights and our obligations, and explains how, why and when we process your personal data.
Orchard Credit Union’s registered address is “The Old Savings Bank, 1 Victoria Street, Armagh, BT61 9DS. We are registered on the Information Commissioner’s Office Register; registration number Z133266X, and act as the data controller when processing your data.
Our Privacy Promise
- To keep your data safe and private
- Not to sell your data
- To give you ways to manage and review your marketing choices at any time.
Information we collect:
Orchard credit Union processes your personal information to meet our legal, statutory and contractual obligations and to provide you with our products and services. We will never collect any unnecessary personal data from you and do not process your information in any way, other than as specified in this notice.
Personal data that we collect from you is:
- Name - Address - Date of Birth
- Work address - Personal email - Contact telephone number
- National Insurance Number - Next of kin details - Financial Information
In addition, we obtain your photograph for verification and authentication purposes, this enables officers and staff to quickly identify members. It is the policy of Orchard Credit Union to obtain and retain up to date photographic identification on our members’ computer accounts. It is also the policy of Orchard Credit Union NOT to retain photographs of those account holders under the age of 16 years. The signing parent/guardians photograph will be used in this instance.
CCTV 24-hour recording operates within Orchard Credit Union for security purposes.
How we use your personal data:
We collect personal information about you to manage your account and contact you if necessary. We will use this information to provide the services and products requested, maintain records, and if you agree, to send you marketing information. Orchard Credit Union will not share your information for marketing purposes with any other companies. In managing your account, it may be necessary for us to share your information with other agencies.
Who we may share your information with:
- Credit Reference Agencies
- Legal representatives of the individual whose personal data we are processing
- Debt Collection Agencies
- Financial Institutions
- Ombudsman and Regulatory Authorities
- Auditors and Business Advisors.
Credit Reference Agencies
We may carry out credit and identity checks for you when you apply for a product or services. We may use Credit Reference Agencies to help us with this. We will share your personal information with CRA’s and they will give us information about you. This data will be used to help us assess whether you are able to afford repayments; make sure what you’ve told us is true and correct; help detect and prevent financial crime; manage accounts with us and trace and recover debts. When we ask CRA’s about you, they will note it on your credit file. This is called a credit search. Other lenders may see this, and we may see credit searches from other lenders.
How long we keep your data
Orchard Credit Union only ever retains personal information for as long as is necessary and we have strict review and retention policies in place to meet these obligations. We are required under UK law to keep your basic personal data for a minimum of 6 years after which time it will be destroyed. After you stop being a member, we will keep your data for up to 6 years, to maintain records according to rules that apply to us; respond to any questions or complaints or to show that we treated your fairly. We may keep your data for longer than 6 years if we cannot delete it for legal, regulatory or technical reasons.
Where you have consented to us using your details for direct marketing, we will keep such data until you notify us otherwise and/or withdraw your consent.
How to get a copy of your personal information
You can access your personal information we hold by writing to us at our registered address, noted above.
Letting us know if your personal information is incorrect
You have the right to question any information we have about you that you think is wrong or incomplete. Please contact us if you want to do this. If you do, we will take reasonable steps to check its accuracy and correct it.
What if you want us to stop using your personal information?
You have the right to object to our use of your personal information, or to ask us to delete, remove, or stop using your personal information if there is no need for us to keep it. This is known as the ‘right to object’ and ‘right to erasure’ or the ‘right to be forgotten’. There may be legal or other official reasons why we need to keep or use your data, but please tell us of you think that we should not be using it.
You have the right to access any personal information that Orchard Credit Union processes about you and to request information about
- What personal data we hold about you
- The purposes of the processing
- The recipients to whom the personal data has/will be disclosed
- How long we intend to store your personal data for
Consequences of not providing your data
We may need to collect personal information by law, or under the terms of a contract we have with you.
If you choose not to give us this personal information, it may delay or prevent us from meeting our obligations. It may also mean that we cannot perform services needed to operate your account. It could mean that we cancel a product or service you have with us.
We may use your personal information to tell you about relevant products and promotions. This is what we mean when we talk about ‘marketing’. You can ask us to stop sending you marketing messages by contacting us at any time. We may ask you to confirm or update your choices, if you take out any new products or services with us in future. We will also ask you to do this if there are changes in the law, regulation or the structure of our business. Whatever you choose, you’ll still receive statements and other important information such as changes to your existing products and services
How to make a complaint
Please let us know if you are unhappy with how we have used your personal information. You can contact us by telephone 028 37 524506 or email firstname.lastname@example.org. You also have the right to complain to the Information Commissioner’s Office.
Orchard Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered number: 574017