Privacy Policy

In relation to the website: www.affordableloans.org.uk ("Site")
Owner: Leeds City Credit Union Limited ("we/us").
Customer services: services@leedscitycreditunion.co.uk
Postal address: Westminster Buildings, 31 New York Street, Leeds, LS2 7DT.

The Site is a UK-based website and we take reasonable care to comply with the requirements of the UK Data Protection Act 1998 (‘the Act’) relating to the personal information you supply on the Site. The Site uses a security system that protects your information from unauthorised use. However, as no data transmissions over the internet can be guaranteed to be one hundred percent secure, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk.

Save as provided below, we will not sell, rent, distribute or disclose information about you as an individual or your personal usage of the Site (‘Information’) without your consent or unless required or permitted to do so by law. The Information we gather may include name, home address, email address, telephone number, and any personal preferences.

Updating your Information

If any of the information you provide when subscribing to the services on the Site changes, please resubmit it to the lender concerned via the online contact us form.

Accessing your Information

We are data controllers for the purposes of the Act and if you wish to request access to your Information held by us, please get in touch using our contact us form.

Mailing Lists

If you subscribe to one or more of our mailing lists for news releases and other information by agreeing to this on the submission form on the Site, which you will be asked to complete when asking us to pass your details to community lenders (‘Submission Form’), we may also ask you to answer various general questions about yourself. You will be asked to specify the areas in which you are interested so that we can tailor the information which we send to you to cover the new products and special offers which we believe you might be interested in.

Unsubscribing

If you likewise have subscribed to any mailing list and at any time you wish to stop receiving this or any other information you may have requested from us or any other lender, please get in touch using our contact us form.

Surveys and user groups

We always aim to improve the services we offer. As a result we occasionally canvass our customers using surveys. Participation in surveys is voluntary, and you are under no obligation to reply to any survey you might receive from us. Should you choose to do so, we will treat the information you provide with the same high standard of care as all other customer information.

Links to third parties’ sites

Please note that we do provide links to other sites, which may not be governed by this Privacy Policy and you should view the privacy policy of those sites for further information.

Traffic Patterns/Site Statistics

We may monitor customer traffic patterns, Site usage and related Site information in order to optimise your use of the Site and we may give aggregated statistics to a reputable third-party, but these statistics will include no information personally identifying you.

Transfer to third parties

We may also use the Information we gather to notify you about important functionality changes and alterations to the Site, or offer of products, services or information that might be of particular interest to you (where you have not notified us that you object to this). We also share (with your permission) your personal information with our lenders in order to facilitate transactions, and our lenders may use that information to inform you of products and services that may be of interest to you. If you do not wish us to do so, please indicate this on the Submission Form or, where the information has already been passed to a lender with your consent, by asking the lender that you no longer want to receive such information in accordance with their own policy.

We ensure that our suppliers protect your personal information as tightly as we do and that they provide an adequate level of protection for your rights as a data subject. This may involve transferring or selling your Information to other companies, inside or outside the EEA (European Economic Area).

Your information may also be transferred to another company in the event of the transfer of our assets to a third party. In that event, we will endeavour to ensure that your rights and freedoms in respect of the processing of your personal data are adequately and appropriately protected.

 

By submitting your Information and agreeing to these terms, as presented to you on our on the Submission Form, you consent to such uses and transfers.

Cookies

In addition to the Information which you supply to us, information and data may be automatically collected through the use of cookies. Cookies are small text files the Site can use to recognise repeat users and allow us to observe behaviour and compile aggregate data in order to improve the Site for you. For example, cookies will tell us whether you viewed the Site with sound or with text on your last visit. Cookies also allow us to count the number of unique and return visitors to our Site. Some of our associated companies may themselves use cookies on their own websites. We have no access to, or control of these cookies, should this occur.

If you do not wish to receive cookies from us or any other website, you can turn cookies off on your web browser: please follow your browser provider’s instruction in order to do so. Unfortunately, we cannot accept liability for any malfunctioning of your PC or its installed web browser as a result of any attempt to turn off cookies.

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.aboutcookies.org, www.allaboutcookies.org or www.civicuk.com/cookie-control/browser-settings.

Data retention

We shall retain your data for as long as reasonably necessary in order to process your application and pass details to community lenders and/or our partner StepChange Debt Charity. Other than for those purposes, we do not retain your data on our servers save for marketing and compliance purposes, as previously notified to you and where you have agreed we may do so (in the case of marketing). You have a right at any time to access details of the data (if any) which we may hold about you by contacting us using the Contact Us form. You may also ask us, using the same form, to rectify any data which we may hold about you, to erase it or to object to our further processing of it.

Your right to complain

Should you be unhappy with the service or our processing of your data at any time, you may complain to our [Data Protection Officer] by using this form. If you remain unhappy with the way in which we deal with your complaint, you may contact the Information Commissioners Office here.

Amendments to this Privacy Policy

We may occasionally modify this Privacy Policy, such variations becoming effective immediately upon posting to the Site and by continuing to use the Site, you will be deemed to accept any such variations.