At The Nottingham we take your rights to privacy very seriously. This means the only time we’ll disclose information about you, or your accounts, to anyone is when we have your consent, or where we legally have to.
As a customer, we want to make it clear to you what we do with your information, so we’ve put this policy in place to help you decide if you’re happy to supply certain details to us.
In this policy where we refer to ‘The Nottingham’, we mean Nottingham Building Society and its subsidiary undertakings, Nottingham Property Services and Nottingham Mortgage Services.
Why do we collect information about you?
- To confirm your identity
- Update, confirm and improve our customer records and for account administration
- Help us to process any applications you make, including carrying out a search at a credit reference agency
- Let you know about other relevant products and services
- Assist with research and statistical analysis
- Help with crime prevention and for legal and regulatory compliance
Security of personal information
The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law.
When you apply for a mortgage, we use an automated technique known as credit scoring to assess your application. Using statistical techniques, we measure the likelihood that your application for a loan will be a good credit risk. We score various factors taken from your application details and from our search at the credit reference agency and calculate a total credit score. If this is above an established pass score, then it’s more than likely your application will proceed.
Cookies Policy – Information The Nottingham collects from you
What is a cookie?
Users have the opportunity to set their browser to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these means that certain features cannot be provided to a user and they may not be able to take full advantage of all of the website's features, or use the site at all. Each browser is different, so check the ‘Help’ menu of your browser to learn how to change your cookie preferences.
None of our cookies hold any personal information. Cookies will be removed when you close your website session or browser, or after 24 hours.
The Nottingham cookies and how to reject cookies?
A list of the main cookies that The Nottingham’s websites use (and what each is used for), together with ways to minimise the number of cookies you receive, can be found at The Nottingham’s Cookie List and How to Reject Cookies.
Just so you know, we sometimes record or monitor telephone calls, for security and staff training.
If you’d like to email us, please use the contact email address on our website. However, emails generally aren’t regarded as secure so please try not to include any confidential information. When we reply to emails we’ll keep your personal information confidential.
If you do email us, we’ll keep a record of your contact and your email address but we won’t give it to unauthorised third parties. If you access our online services, we recommend that you always use the secure message service to contact us.
Who we share your data with
We don’t pass information on to other companies for their own research, analysis and marketing purposes. However, we occasionally pass information on to carefully selected third-party organisations, with whom we have a commercial relationship, to conduct research, analysis, and marketing activities on our behalf.
We sometimes use specialist companies to process data on our behalf, for example to print names and addresses on letters for large mailing campaigns. We only use reputable companies and always make sure that they meet our stringent security requirements.
Sometimes, we’d like to tell you about new accounts or services. If you’d rather not receive this information, just let us know when you open your account. You can change your instructions at any time, by writing to us with details of your savings and/or mortgage account number(s), to: Customer Services, The Nottingham Building Society, Nottingham House, 3 Fulforth Street, Nottingham NG1 3DL. We’ll always send you notice of General Meetings if you’re eligible to vote, and where appropriate, information about your account and interest rate changes.
If you apply for a mortgage, we’ll search for your record using a licensed credit reference agency. They hold information about you which may be linked to records relating to organisations you are, or have been, financially linked or associated with. The agency will keep a record of our enquiry and if your mortgage proceeds, we’ll provide them with details of how you conduct your account. Other lenders and grantors of credit may access this record if you apply to them for credit. The agencies may also use the information for statistical analysis and market research.
We may also ask a credit reference agency to perform a search to verify your identity. They’ll keep a record of this search but it won’t affect your future credit. The agency may use these details in the future to assist other companies to verify your identity.
We use the following credit reference agencies for credit searches and identity checks:
- Experian PLC, Consumer Help Service, P.O. Box 8000, Nottingham NG1 5GX
- Callcredit, Customer Care, 1 Park Lane, Leeds LS3 1EP
You have a right to apply directly to these agencies for details of information which they hold about you. If you’d like to do this, please apply on their website or in writing and give them your full name, address, postcode and any other addresses you’ve lived at over the last six years. There’s usually a fee of £2.00 attached to this service.
Fraud prevention and detection
We share personal data with other financial service providers through schemes such as National Hunter. This is to protect us against any fraudulent or other criminal activity.
All financial services organisations are legally obliged to confirm their customers’ identity by collecting and recording information about them. Therefore, at The Nottingham we have strict identification requirements for new customers opening investment or mortgage accounts. We’re also obliged to report details of any suspicious transactions to the Serious Organised Crime Agency.
Data Protection legislation
Data Protection legislation defines the legal responsibilities of data users such as The Nottingham. It covers the collection, storage, use, processing, disclosure and transfer of personal data such as your name, address, date of birth, gender, marital status, etc.
For the purposes of the Data Protection Act 1998, the Data Controller in relation to any personal data you supply is The Nottingham Building Society or one of its subsidiary undertakings.
You’re entitled under The Data Protection Act 1998 to enquire about the information we hold about you for a small fee, currently £10. This is known as a ‘Data Subject Access Request’. If you’d like this information, please write to: Data Protection Officer, The Nottingham Building Society, Nottingham House, 3 Fulforth Street, Nottingham NG1 3DL.
For further information and guidance about Data Protection, please contact the Information Commissioner: www.informationcommissioner.gov.uk.
Links to other sites
If you’d like to change your details
If you need to change the details we hold about you, please contact us in writing. We may need an original signature for identification purposes, which means we can’t accept any email instructions.