Your information will be stored on our secure UK server so that we may offer a consistent service to you from any of our branches and manage your relationship with us.
This will include information you have provided:
Or from Credit Reference and/or Debt Collection Agents where:
Your information will be kept for as long as is necessary for the management of your account, or for as long as is required to meet legal and regulatory requirements.
Your information will be processed:
Community First Credit Union Ltd does not use automated decision making when processing any application for a credit service or loan.
Community First Credit Union Ltd uses automated decision making when processing new membership applications submitted via our online service. Should you not wish for your application to be processed using automated means, please visit your local branch to make your application. In the event the automated process rejects your application, you may make an application to be manually processed by visiting your local branch.
We will treat your information with the utmost confidence. However we may need to share your information from time to time. We will only do so where:
Your information may be passed to third party referencing agencies for the purposes of:
For more information about how the Credit Referencing Agencies use and share your information, and the information they hold, please visit https://www.callcredit.co.uk/legal-information/bureau-privacy-notice
Some personal information is considered to be more sensitive than others; for example ethnic origin, religious and political beliefs, mental or physical health conditions.
In most cases we will not ask you for this information, however in some cases it may be necessary; for example we may need to consider your health when assessing a loan application.
Should we ask you for sensitive information, or you volunteer such information, it will only be used for the purpose for which it was gathered.