Privacy Policy

Who we are

Our website address is: http://cncu.org.uk.

What personal data we collect from our website and why we collect it

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

Privacy Information

This explains how Cheshire Neighbours Credit Union (CNCU) will use your personal information to enable CNCU to provide a credit union service to its members, to maintain accounts and records and to support and manage our employees in compliance with General Data Protection Regulations.

CNCU may hold and process personal and financial information about you and may obtain or receive such information about you in the future. CNCU will obtain information about you from various sources including:

  • directly from you
  • from the operation of your accounts and account transactions
  • from other organisations including credit reference and fraud protection agencies and
  • from persons who know you including joint account holders CNCU may link information concerning your account(s) with information relating to the services CNCU provide to you, with information about relatives, assignees, guarantors and similar parties.
  • Such information may include sensitive personal data, such as criminal convictions or proceedings. However, CNCU only hold such data where it is needed for the purposes of the services provided or where it is CNCU’s normal course of business to do so. This includes the following purposes:
  • to make credit decisions about you and anybody to whom you are linked financially including other members of your household (which may involve credit scoring)
  • managing credit and credit related facilities
  • to undertake statistical analysis, financial risk assessment, money laundering checks (which may involve telephoning you), compliance and regulatory reporting, fraud prevention and recovering debt
  • meeting obligations under which any cards provided to you have been issued
  • systems testing and development CNCU will only disclose information
  • A link between joint applicants and/or any individual identified as your financial partner will be created at credit reference agencies, which will link your financial records. The financial information of anyone with whom you have a financial link may be taken into account in all future applications by either or both of you. Your financial information may be taken into account in all future applications by your financial partner. This linking will continue until one of you successfully files a disassociation at the credit reference agencies.
  • if compelled to do so by law
  • if appropriate where you provided your consent (which is not necessarily required in writing)
  • where CNCU have a public duty to disclose the information
  • to agents or subcontractors for operational reasons
  • to any persons, including, but not limited to, insurers, who provide a service or benefits to you in connection with your account(s)
  • to licensed credit reference agencies as well as fraud prevention and other agencies
  • where CNCU need to do so to comply with the requirements, codes or recommendations of CNCU’s regulators
  • to confirm your identity for money laundering purposes, which may include checking the electoral register
  • to any person to whom CNCU transfer or intend to transfer CNCU’s rights or obligations CNCU may disclose information to licensed credit reference agencies to help make financial decisions (this will be during the application process and on an on-going basis, to decide whether to continue to provide services to you and anyone with whom you are linked financially or members of your household). CNCU’s enquiries or searches may be recorded and credit reference agencies may supply CNCU with financial information. If you make several credit applications within a short time, this may temporarily affect your ability to obtain credit. If false or inaccurate information is provided by you or on your behalf, if CNCU suspect fraud or if fraud is identified, details will be kept in CNCU records and also passed to fraud prevention agencies, law enforcement agencies and other organisations involved in crime and fraud prevention which may access and use this information. CNCU and those other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
  • CNCU may also disclose information to licensed reference agencies about how you conduct your account(s) and this information may be shared with other financial institutions to help make financial decisions about you and anyone with whom you are linked financially or other members of your household. If you borrow and do not repay in full and on time, CNCU may tell credit reference agencies who will record the outstanding debt.
  • Checking details on applications for credit facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details of job applicants and employees

You are entitled to a copy of the personal information CNCU hold about you on payment of a fee.

For further information on your rights under the General Data Protection Regulations, you can contact The Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF or visit www.ico.gov.uk

If you have a concern about CNCU’s data right practices you have the rights to complain to the Information Commissioner’s Office at the above address or on their help line on 0303 123 1113

CNCU will retain your information during and after the time you hold an account to meet legal requirements. However, you have the ‘right to be forgotten’ which means you can ask CNCU to delete or remove personal information if there is no compelling reason for CNCU to keep it.

CNCU need the information it holds to be accurate and up to date. Please help us by informing CNCU promptly of any changes to your personal circumstances or details. You have the right to have any inaccurate personal data about you amended.

CNCU may record and/or monitor telephone calls to enhance security, to help address complaints, improve our custmer service and for staff training purposes.

The data controller is Cheshire Neighbours Credit Union Limited and can be contacted at Third Floor, Delamere House, Delamere Street, Crewe CW1 2JZ. If you have any queries or require further information please contact CNCU at above address telephone 01270 685625 or by e-mail   info@cncu.org.uk.