This privacy policy covers interactions you may have with 1st Alliance Community Bank including any online banking area.  Through using this website you agree consent to your data being used as per this privacy policy.

HOW YOUR DATA IS USED

We will collect information from all our members to ensure that we provide you with high standards of service, and to protect your privacy. Where your information is used we will endeavour to communicate how and where we may use your data.

We may use your data in the following ways:

• Processing any applications you make for financial services we offer.
• Assisting you with any enquiries or complaints you may have.
• Passing to approved external business partners in order to provide our services. If you would like to read the full details of how your data may be used by us and partners, please obtain a copy from our Downloads section, phone 01294 557 123 or ask one of our staff.
• For internal and external auditing purposes.
• To other external parties where it is a legal requirement to do so, such as credit reference agencies or fraud prevention organisations.
• For analysis to develop and improve our services to you and other members.
• To generate industry statistics. However where we do so, it will not contain any information that identifies you personally.
• To send you Marketing material. However, you can opt out of this by contacting us directly using the details in the “Contact Us” section at the bottom of this policy.

We will never divulge your information to another third party that has not already been mentioned, except where you have provided consent to do so.

We will retain any information we hold about you regarding the use of any of the services you are registered for, if your account is deactivated or closed, and if your registration or activation request is declined or abandoned.

This information will be held for so long as permitted, for legal, regulatory, fraud, crime prevention, and legitimate business purposes.

THE DATA WE COLLECT

The personal data we may collect includes, but is not limited to:

• IP Address (the unique address of your computer, tablet or mobile device)
• Name
• Employment information
• National Insurance number
• Date of birth
• Bank account details
• Address information
• Phone numbers
• Email address

We will also continue to exchange information about you with CRAs on an ongoing basis, including
about your settled accounts 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.
The identities of the CRAs, and the ways in which they use and share personal information, are
explained in more detail at:
● TransUnion at www.transunion.co.uk/crain
● Equifax at www.equifax.co.uk/crain
● Experian at www.experian.co.uk/crain
They may retain information for up to 6 years after any credit agreement between us has ended.
When we share this information, all parties conform to industry standards.
Credit Reference Agencies also share information about people with many financial organisations.
Their records can tell us:
● whether you have kept up with paying your bills, rent or mortgage, and other debts such as
loans, phone and internet contracts.
● your previous addresses.
● information on any businesses you may own or have owned or directed.
● whether you are financially linked to another person, for example by having a joint account
or shared credit.
● whether you have changed your name.
● whether you have been a victim of fraud.
Where you are financially linked to another person their records can provide us with details about
that person’s credit agreements and financial circumstances.
They also use publicly available information to record information about people, including
information from:
● The Royal Mail Postcode Finder and Address Finder.
● The Electoral Register;
● Companies House;
● The Accountant in Bankruptcy and other UK equivalents;
It is our policy to manually review automated decisions whenever possible. However, you have the
right to request a manual review of the accuracy of any decision we make if you are unhappy with it.
The Credit Union uses a company called NestEgg Ltd to process this data on our behalf. NestEgg Ltd
provides an automated ‘decision’ to help the Credit Union make it easy for members to apply for
loans and savings accounts. NestEgg Ltd is not responsible for making decisions, they do not see your
personal information. Their software makes a recommendation to a loans officer.
When you apply for a loan and / or savings account up to five searches may appear on your credit
file. For the purposes of credit scoring, this will typically only affect your credit score as if one credit
application were made.
Each of these five ‘footprints’ relate to the different sources of data being used to assess an
application; these include the credit report itself and an affordability check. The Credit Union needs
to prove the information belongs to you which is when an ID check is required. In cases where an
application is made by a new member; the Credit Union will use an ID check and may also run a
report to check ownership of any bank account details you may give us. These checks are required
by law to prevent money laundering.
Some of these footprints will be in the name of NestEgg Ltd and others in the name of the Credit
Union.

SECURITY

We take the protection of your information very seriously and high security measures will be taken to ensure your data is protected. All online banking activity is protected by a secure certificate using the TLS1.2 standard encryption which provides an industry standard level of security.

COOKIES

To provide you with a good online journey, we will store a number of cookies on your machine, to help us associate important information with you.

For more information on cookies, please view our Cookies Policy.

EXTERNAL LINKS

You may encounter links to external websites when using our website, this policy does not cover these websites and we encourage you to view each website’s privacy policy before submitting any information.

CONTACT US

If you want more information on how we use and hold your data, or if you think we may be holding incorrect information, please get in touch on the details below and we will happily review the information we store. We will keep all the records we have on you unless you tell us otherwise.

If you no longer wish us to hold your personal data, please contact us on the details below. Please note that we may not be able to provide you with our services without access to your data.

• In person at – 147 Main Street, Kilwinning, KA13 6EQ
• By email to – info@allianceayrshire.co.uk
• By telephone on – 01294 557 123
• In writing to – 147 Main Street, Kilwinning, KA13 6EQ