Under UK data protection law, we must have a “lawful basis” for collecting and using your personal information. There is a list of possible lawful bases in the UK GDPR. You can find out more about lawful bases on the ICO’s website.
Which lawful basis we rely on may affect your data protection rights which are in brief set out below. You can find out more about your data protection rights and the exemptions which may apply on the ICO’s website.
Your right of access – you have the right to ask us for copies of your personal information. You can request other information such as details about where we get personal information from and who we share personal information with. There are some exemptions which means you may not receive all the information you ask for. Read more about this right here.
Your right to rectification – you have the right to ask us to correct or delete personal information you think is inaccurate or incomplete. Read more about this right here.
Your right to erasure – you have the right to ask us to delete your personal information. Read more about this right here.
Your right to restriction of processing – you have the right to ask us to limit how we can use your personal information. Read more about this right here.
Your right to object to processing – you have the right to object to the processing of your personal data. Read more about this right here.
Your right to data portability – you have the right to ask that we transfer the personal information you gave us to another organisation, or to you. Read more about this right here.
Your right to withdraw consent – when we use consent as our lawful basis you have the right to withdraw your consent at any time. Read more about this right here.
If you make a request, we must respond to you without undue delay and in any event within one month.
To make a data protection rights request, please contact us using the contact details at the top of this privacy notice.
Where necessary, we may transfer personal information outside of the UK. When doing so, we comply with the UK General Data Protection Regulation (GDPR), making sure appropriate safeguards are in place.
When necessary, we share your personal information with:
- service providers
- tax, government, and regulatory authorities
- fraud prevention and/or law enforcement agencies
- courts and other third parties connected with legal proceedings
- third parties where you have asked us to share your details
- third parties where it is required by law
- joint account holders
- receivers of payment transactions
- credit reference agencies
You can find links to all relevant third-party privacy notices at section 9.
We work with carefully selected third parties, and may receive information from:
- brokers and intermediaries
- business partners
- sub-contractors
- credit reference agencies
- fraud prevention agencies
- government bodies
- your employer
- your landlord
- someone authorised to act on your behalf
- public sources (such as the Electoral Role or Companies House)
We collect personal data when you:
- apply for our products or services online, on the phone, or through the post
- update your information online, on the phone, or through the post (for example, when you change your address)
- speak to us on the phone
- visit our website, or any digital service we offer now or in the future
- send us letters, emails or other documents
The types of personal information we collect from you are:
- identifying details such as your full name, previous names and addresses, title, date of birth, age, signature, unique personal identifier and account number
- contact details such as your home address, email address and phone number
- financial data such as your bank account number, payment details, payee details, earnings, income, expenditure, spending habits, transaction history, tax residency, tax reference number, source of funds, and purpose of withdrawal
- personal information about your family such as your marital status, next of kin, dependents and emergency contact details
- profile data such as your sex, occupation, employment status, citizenship status, residential status, status as a Politically Exposed Person, details of directorship or trustee roles, property details, occupancy status and insurance information
- identification data which includes your driving licence, passport, National Insurance number and other national identifiers
- how you interact with us which includes the products and services you hold with us, transaction, call recordings, photographs, video recordings or any other form of communication
- technical data such as internet protocol (IP) address, location data, operating system, time zone etc
Special Category and Criminal data
We also collect:
- some special categories of personal data such as information on your political beliefs or those concerning your health or if you are a vulnerable customer
- biometric data for the purpose of accessing your account or identifying fraud
- details of any unspent criminal convictions, pending convictions, bankruptcy/receivership, county court judgements, court records and pending orders. This will also include any sanctions or suspensions from any financial services regulator
Our Data Protection Officer can be contacted if you have queries about this privacy notice or wish to exercise any of the rights mentioned in it.
Ecology Building Society
7 Belton Road
Silsden
Keighley
West Yorkshire
BD20 0EE
Tel: 01535 650770
Email: [email protected]
This Privacy Notice explains who we are and how we use your personal data.
Personal data is any information that can be used to identify who you are as a unique individual.
Ecology Building Society is a controller of your personal data, this means that we make decisions on how we use personal data in the context of our business relationship with you. How we use this data is explained in this Privacy Notice.
When we use terms such as we, us and our in this notice, we mean Ecology Building Society.
We are registered with the UK’s Information Commissioner’s Office (ICO) under registration number Z5798250.
If you’re worried about money or are experiencing financial difficulty, get in touch. Here are some of the ways we could help, depending on your situation:
- Arrange a temporary payment plan with you.
- Change the way you make your payments, or the date you make them.
- Let you pay back your mortgage over a longer period (reducing your monthly payments).
- Change the repayment method of your mortgage.
- Defer your monthly mortgage payment (take a payment holiday).
- A combination of any of the above.
We’ve signed the Government Mortgage Charter. The Mortgage Charter is a set of universal standards to help and reassure mortgage holders worried by high interest rates.
Getting more help
You can get free, independent and impartial debt advice from the following organisations:
MoneyHelper
StepChange Debt Charity
National Debtline
Citizens Advice
They’ll go through your situation, discuss your budget and what you owe, and make a plan with you. You’ll find lots of information on their websites. They can also make sure you’re getting any benefits you might be entitled to.
These organisations are all regulated by the Financial Conduct Authority, so you know you’re in safe hands.
They do not work for us or any other lender. They’ll advise you based on what’s best for you and your situation.
The Building Societies Association also has help information on its website about ‘What to do if you can’t pay your mortgage’. This has further advice and resources which you may find helpful.
