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 for your consent.
How we use your personal information
Metro Moneywise Credit Union may process, transfer and/ or share personal information in the following ways:
For legal reasons, to:
For performance of our contract with you, to:
For our legitimate interests, to:
With your consent, to:
Sharing your personal information
We will disclose information outside the Credit Union to:
Where we send your information
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 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 the HM Revenue and Customs which may transfer that information to tax authorities in countries where you or a connected person may be tax resident.
Retaining your information
The 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 after you have left the Credit Union.
To read more about our policy for retaining members data please see our website https://www.metromoneywise.co.uk URLor contact us on 01706 714579 to speak to a member of staff.
Credit Reference Agencies
In order to process credit applications, you make, we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, e.g. about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.
We will continue to exchange information about you with CRAs on an ongoing basis, including about your settled account(s) and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates. This may affect your ability to get credit.
To read more about the identities of the CRAs, and the way in which they use and share personal information, please see the following websites:
Your rights under data protection regulations are:
Your Rights Explained
Right to Access
You have the right to access your personal data and details of the purposes of the processing, the categories of personal data. Providing the rights and freedom of others are not affected, we will supply a copy to you of your personal data.
The Right to Rectification
You have the right to any inaccurate personal data about you corrected and, taking into account the purposes of the processing, to have any incomplete data about you completed.
The Right to Erasure
In some circumstances you have the right ot erasure of your personal data without undue delay. Those circumstances include:
However you may not erase this data where we need it to meet a legal obligation or where it is necessary for the establishment , exercixe or defence of legal claims.
The Right to Restrict Processing
In some circumstances you have the right to restrict the processing of your personal data. Those circumstances are:
We will only otherwise process it:
The Right to Object to Processing
You have the right to object to our processing of your personal data on grounds relationg to your particular situation , but only to the extent that the legal basis for the processing is that the data is necessary for the purpose 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 gorunds for the processing which override your interests, rights and freedoms, or the processing is for the stablishment, 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.
The Right to Data Portability
To the extent that the legal basis for our processing of your personal data is:
You have the right to receive your personal data from us in a commonly used and machine-readable format or instruct us to send this data to another organisation. This right does not apply where it would adversely affect the rights and freedoms of others.
Rights Related to Automatic Processing
This credit union does not currently use an automated decision making process for processing members’ loans.
Right to Withdraw Consent
To the extent that the legal basis for our processing of your personal information is your consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing prior to the withdrawal.
The Right to Complain to The Information Commissioner’s Office
If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with the Information Commissioner’s Office which is responsible for data protection in the UK. You can contact them by:
Contact us About Your Rights
If you require any further information about how your rights apply to your membership of our credit union or to make a request under your rights you can contact us at email@example.com or phone 01706 714579. We will aim to respond to your request within one month or provide an explanation of the reason for our delay.
Contact Details for Metro Moneywise Credit Union
Name: Diane Edge
Address: Metro Moneywise Credit Union Ltd, Suite F7.9-F7-11, Globe House, Moss Bridge Road, Rochdale, OL16 5EB
Phone: 01706 714579
Email etc: firstname.lastname@example.org
CONTACT METRO MONEYWISE
If you would like to arrange for a site visit to you work place, please contact the office and ask for our Membership Officer Janice Hopwood