Swansea Building Society (the Society) is committed to preserving the privacy of all its customers and visitors to its website (Website).
The Society will collect and process the following data about you, in line with data protection legislation:
Information you give us
This is information about you that you give us by filling in forms on our Website www.swansea-bs.co.uk or by corresponding with us by telephone, email or otherwise. It includes information you provide when you register to use our Website, subscribe to our service or one of our accounts, search for a product, participate in surveys and when you report a problem with our Website. The information you give us may include your name, address, date of birth, national insurance number, email address and telephone number, financial and credit card information and identification documents.
You have choices about the data we collect. When you are asked to provide personal data you may decline. But if you choose not to provide data and as a result we do not receive the necessary information from you, we will not be able to provide you with certain services or accounts.
When we ask you to provide sensitive information we will explain why we are requesting it and how we intend to use it. You will be asked to consent to it being processed. Such data will always be processed and stored securely.
We will keep your information as long as permitted for our legitimate business purposes and for any retention period that we are legally required to meet.
Information we collect about you
With regard to your visits to our Website we may monitor, for example, which pages you go to, location data and traffic data.
Uses made of the Information
We use information held about you in the following ways:
- Information you give to us. We will use this information:
- where you have consented:
(a) to provide you with information, products and services that you request from us;
(b) to provide you with information about other goods and services we offer that are similar to those that you have already purchased or enquired about;
(c) where you have consented, to provide you with information about products and services we feel may interest you.
- to notify you about changes to our service;
- to ensure that content from our Website is presented in the most effective manner for you and for your computer.
- where you have consented:
- Information we collect about you. We will use this information:
- to confirm your identity when opening an account;
- to consider and assess your application for a service or an account;
- to improve our Website to ensure that content is presented in the most effective manner for you and for your computer;
- to allow you to participate in interactive features of our service, when you choose to do so;
- as part of our efforts to keep our Website safe and secure;
- to make suggestions and recommendations to you and other users of our Website about the products and services that may interest you or them.
- Information we receive from other sources. We will combine this information with information you give to us and information we collect about you. We will use this information and the combined information for the purposes set out above (depending on the types of information we receive).
Disclosure of your information
With your consent we share your personal data with selected third parties in order to complete transactions and provide you with a service or an account you have requested. We will not provide your details to third party organisations for marketing purposes.
The following are examples of third parties that it may be necessary to share your personal data with:
- Credit reference agencies - if you are applying for an account which involves a request for credit, we will check your credit history through a credit reference agency. We usually use Equifax Ltd and Experian to run the credit check.
- Preventing fraud - it may be necessary to check your details with fraud prevention agencies and HMRC when you make applications for a service or an account.
- Third party financial services - this may include insurance providers or a mortgage broker if you have used one.
- Legal representatives - whether they are acting for the Society or for you.
- A valuer.
- A guarantor - to include the guarantor or their legal representative.
- Employer – to confirm your earnings and employment status.
- Financial Ombudsman Service - if you have made a complaint.
There are other occasions in which it may be necessary to disclose your personal information to third parties, such as:
- In the event that we sell or buy any business or assets, in which case we will disclose you personal data to the prospective buyer or seller of such business or assets.
- If the Society is acquired by a third party, the personal data held about our customers will be transferred.
Cookies in use on www.swansea-bs.co.uk
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the Website.
You have the right:
- to access the information held about you;
- to ask us make any necessary changes to ensure that the information held is accurate and kept up to date; and
- to ask us to stop contacting you with direct marketing where you have previously consented.
You can exercise any of the above rights at any time by contacting us at email@example.com.
You can find out more about your rights under data protection legislation by visiting the Information Commissioner’s Office (ICO) website at www.ICO.org.uk.
Our Website may, from time to time, contain links to and from the websites of third parties. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.