Data Protection Privacy Notice

On this page you will find Privacy Notices for:

Scotwest Credit Union
Open Banking
MoneyWise Accounts
Scotwest Lottery

Scotwest Credit Union Privacy Notice Updated July 2025

This privacy notice is to let you know how Scotwest Credit Union Limited collects and looks after your personal information. This includes what you tell us about yourself and what we learn by having you as a member. This notice explains how we do this and tells you about your privacy rights and how the law protects you.

Who We Are

Scotwest Credit Union is a data controller of the personal information you provide when you apply to use our products or services and carry out transactions with us. Our lawful basis for processing this information is the fulfilment of our contract with you and to comply with our legal obligations.
Find out more about us at www.scotwest.co.uk/about/
You can contact us at office@scotwest.co.uk or call 0141 227 2390. Our address is 13 Elmbank Street, Glasgow G2 4PB.

How We Use Your Personal Data

Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. Your personal information is used by Scotwest Credit Union in order to fulfil our contractual obligations to you as a member and our legal obligations as a financial institution which includes:

Checking your identity
Administering your membership
Maintaining and managing your accounts
Sending you account statements, information regarding your membership and AGM notifications
Processing loan applications
Credit assessing loan and mortgage applications
Recovering debts
Security of accounts and online services
Detecting and preventing fraudulent transactions
Activities to help in the prevention of money laundering and other financial crime

How We Use Your Personal Data for Marketing Purposes

You may give us your consent to receive promotional material and information. You have the right to withdraw this consent at any time.

Your Personal Data That We Hold

Scotwest holds the following information about you:

Personal data such as name, address and date of birth, including any information you provide to us when you apply for a product or service, even where this is declined
Contact details including postal address(es) email, phone numbers and where your computer connects to the internet
Your National Insurance Number
Details of the products and services that we provide to you and have provided to you in the past
Information about payments to and from your accounts, including bank account details
Details of your family members and next of kin
Details of when you contact us and when we contact you

Where We Get Your Personal Data

The personal information that we record is provided by you when you:

Apply for membership to the credit union
Contact Scotwest to change your details during the course of your membership whether in person, online, in writing or by telephone
Apply for any of our services and products including savings accounts, loans and mortgages
Complete Scotwest Member surveys
Take part in any competition or offer run by Scotwest

We may also obtain your personal information from other agencies including:

Fraud Prevention Agencies
Credit Reference Agencies

How We Share Your Personal Data

In order to provide our services we share your data with our data processing partners:

IT System Providers
Distribution Partners
Employee Partners (to administer Payroll Deduction)
Open Banking Partners
Funding Partners
Auditors
Member Benefit Partner

On occasion, we will share limited personal information with distribution partners outside the EU for marketing purposes. This is permitted on the basis of an adequacy decision made by the European Commission under Article 45 of the GDPR.

Details of Scotwest Lottery entrants will be shared with The Scotwest Lottery in order to run the lottery draw.

We share the details of Scotwest Young Scot Extra Account holders with Young Scot in order to process reward points.

We share limited information in order to provide a range of benefits to Members.

In order to process your membership application we will verify your identity and share your information with the credit reference agencies below. Details of how you repay any loans you have with Scotwest will also be provided and these agencies will make this information available to other lenders who may use it for credit assessment, tracing of absconders and fraud prevention. You can find out more about these credit reference agencies and how they use your information here:

TransUnion- www.transunion.co.uk/crain
Equifax – www.equifax.co.uk/crain
Experian – www.experian.co.uk/crain

In order to process loan applications we may share information with an Open Banking partner. Find out more below.

In the event that you default on loan repayments, details may be passed to sheriff officers or other organisations to assist in the recovery of debt.

In instances of fraud or suspected fraud, we may share personal information with other financial organisations.

Where required by law or regulation, we may share your information with law enforcement agencies.

How Long Do We Keep Your Personal Data

Your personal information is kept by us for as long as is necessary to comply with any statutory or legal obligations or for audit purposes. This will normally mean for the duration of your membership and for at least 5 years thereafter.

Individual Rights

You and the data that Scotwest holds about you are protected under the Data Protection Act 2018 as amended by the General Data Protection Regulation. You have a number of rights including:

the right to be informed
- You have the right to be informed about all aspects of the use of your personal information. Scotwest will always let you know how we collect your information, why we need it and how we use it
the right of access
- You can request access to a copy of the personal information about you that Scotwest holds as well as details on how we use it, at any time. You can send your requests for information to office@scotwest.co.uk or Scotwest Credit Union, 13 Elmbank Street, Glasgow G2 4PB or call us on 0141 227 2390
the right to rectification
- If any of the personal information that we hold on you is incorrect or has changed, you can ask us to make it right at any time by contacting us office@scotwest.co.uk or Scotwest Credit Union, 13 Elmbank Street, Glasgow G2 4PB or call us on 0141 227 2390
the right to object
- You have the right to object to how your personal information is used for marketing purposes. You can unsubscribe from receiving promotional emails from Scotwest at any time using your online banking account or by contacting marketing@scotwest.co.uk
the right to data portability
- You have the right to request copies of your personal information held by Scotwest in a format which allows you to use it for your own purposes across other platforms and systems

You may have further rights under this legislation. These do not apply to the information held on you by Scotwest under your membership contract. Find out more at www.ico.org.uk

How to Make A Complaint

We are committed to providing service of the highest quality to our members. If you are unhappy with any aspect of how we use your data we want you to tell us. We will aim to resolve your complaint within 3 days of receipt. However, should that not be possible, we will write to you to acknowledge the complaint and keep you regularly updated about what is happening.

You can contact us with your concerns in the following ways:

Phone: 0141 227 2390
Email: complaints@scotwest.co.uk
Post: Scotwest Credit Union, 13 Elmbank Street, Glasgow, G2 4PB
Visit Us: 13, Elmbank Street, Glasgow, G2 4PB
You can find out more about the Scotwest complaints procedure here: www.scotwest.co.uk/about/complaints/
You also have the right to complain to the Information Commissioner’s Office. Find out on their website how to report a concern at www.ico.org.uk

Open Banking Privacy Notice

This section of our Privacy Policy relates to Open Banking and should be read in conjunction with the other sections in our Privacy Policy. In the event of conflict with any other clauses, this clause shall prevail.

What is Open Banking?

Open Banking is the secure way of providing access to your bank or building society account to providers who are registered for this purpose.

Registered providers and participating banks and building societies are listed under the Open Banking Directory.

Open Banking was set up by the UK Government to encourage more competition and innovation in the financial services sector.

As a forward thinking lender, we support the use of Open Banking as it allows us to process loan applications efficiently, securely and in our consumer’s best interests.

By permitting access to your bank or building society account information we are able to make a better lending decision as we shall be able to verify your income, outgoings and other matters in order to assess what loan terms would be suitable for you based upon what you can reasonably afford to repay.

Further information about Open Banking is available from www.openbanking.org.uk.

How will my personal data be shared and used for the purposes of Open Banking?

By proceeding with your loan application via our website you expressly consent to us sharing your personal, contact and loan application details (“the Shared Personal Data”) with our registered Open Banking partner, Perfect Data Solutions Limited (“PDS”) who are also a credit reference agency. During your loan application we shall safely and securely direct you to PDS’s secure portal (“the Portal”) for the purposes of granting PDS access to your bank or building society account information (“Transaction Information”). As soon as your Transaction Information is received it shall be reported back to us in the form of a completed search in order that we may continue to process your loan application (“the Permitted Purpose”).

Further information about PDS including their registered provider and regulatory status is available from www.lendingmetrics.com.

Is Open Banking secure?

PDS are registered under the Open Banking Directory as an account information service provider and are also regulated by the Financial Conduct Authority as a payment services firm under number 802599. Any data you submit via the Portal will be encrypted and its usage tracked as part of set Open Banking data security standards.

We are responsible for the secure transmission of any Shared Personal Data to PDS, for safely directing you to the Portal and for the safe receipt and usage of your Transaction Information.

You will not be required to share your banking password or log in details with either us or PDS. Once you have given your explicit consent to share your bank account information on the Portal you will be directed to your own bank or building society’s login page where you will enter in your own login details directly.

Save as set out above or elsewhere in this Privacy Policy, we are not responsible for your direct data transmissions with PDS or with your own bank or building society.

How will my Shared Personal Data and Transaction Information be used?

PDS shall, subject to their own terms and conditions and privacy policy, and, if your bank or building society is registered to provide access under the Open Banking Directory, obtain your Transaction Information and submit this back to us for the Permitted Purpose. By way of example, the Transaction Information that we shall receive is likely to include information relating to your income, outgoings and credit worthiness.

PDS shall be entitled to re-access your Transaction Information for up to 90 days from the date of your original search result in order to refresh the search results, obtain a snapshot of your data or gather additional data.

PDS shall hold the Shared Personal Data and the Transaction Information they receive and retain according to their own terms and conditions and privacy policy, available on the Portal, which you will be required to read and consent to once directed their via our website.

As PDS are also a credit reference agency they may also share and keep a record of your Shared Personal Data and Transaction Information.

Will you use my Transaction Information data for any other purpose?

The Transaction Information we receive about you will only be used for the Permitted Purpose. We do not sell or share Transaction Information with any third party.

Save as set out above the information contained in the rest of this Privacy Policy deals with how we collate, use, transfer, store, delete and other terms applicable to your personal data including Shared Personal Data and Transaction Information.

Do I have to provide you with my consent to proceed?

You will be asked to give us express permission to share your data with our Open Banking Partner as part of the loan application process. You will have the option to proceed without utilising open banking for your application. In the event that access has been permitted to your Transaction Information you need to contact us directly in order to withdraw your consent.

Are any of my other rights under this Privacy Policy affected?

Your individual data protection and privacy rights including the right to access, correct, delete, object, restrict, withdraw consent, request transfer and/or make a complaint, continue to apply to relevant personal data we control or process and are dealt with elsewhere in this Privacy Policy.

Under Open Banking as your personal data is shared by your bank or building society and accessed by PDS you may also be able to exercise your individual data protection and privacy rights against either of them pursuant to their own terms and conditions and privacy policies.

MoneyWise Account Privacy Notice

This privacy notice is to let you know how Scotwest Credit Union Limited collects and looks after your personal information. This includes what you tell us about yourself and what we learn when you use your MoneyWise Account. This notice explains how we do this and tells you about your privacy rights and how the law protects you.

Who We Are and How We Use Your Personal Data

Scotwest Credit Union administers your MoneyWise Savings Account including any transactions you make into or out of the account, this makes us a Data Controller of the information you provide us.
Data Protection law allows us to use your information in order to fulfil our contract with you as a MoneyWise Account holder and also to comply with our legal obligations as a financial services provider. We use your information to:

Confirm your identity
Maintain and manage your MoneyWise Account
Send you account statements and information about your account
Keep accounts and online services secure
Help detect and prevent fraud, money laundering and other financial crimes

You can find out more about us at scotwest.co.uk/about You can also get in touch with us at office@scotwest.co.uk or call 0141 227 2390. Our address is 13 Elmbank Street, Glasgow G2 4PB

Where We Get Your Personal Data

The personal information that we keep is provided by you when you:

Open your MoneyWise Account
Contact us to change your details either in person, online, in writing or by telephone
Take part in any competition or offer run by Scotwest

How We Share Your Personal Data

In order for us to run your MoneyWise Account we share your data with our partners:

IT System Providers who manage our online and banking systems
Distribution Partners who send out your quarterly account statements
Auditors who check that Scotwest operates as effectively as possible

In instances of fraud or suspected fraud, we may share your personal information with other financial organisations and where required by law or regulation, we may share your information with law enforcement agencies.

How Long Do We Keep Your Personal Data?

Your personal information is kept by us while you have a MoneyWise Account and for at least 5 years after you close the account. This is to comply with our statutory and legal obligations as a financial institution.

Individual Rights

You and the data that Scotwest holds about you are protected under the Data Protection Act 2018 as amended by the General Data Protection Regulation. You have a number of rights including:

the right to be informed – Scotwest will always let you know how we collect your information, why we need it and how we use it
the right of access – you can request a copy of the information we hold about you and details of how we use it
the right to rectification – if any of the information that we hold about you is wrong or has changed you can ask us to make it right at any time.
the right to data portability – you can request a copy of the information we hold about you in any format that will allow you to share it with other organisations.

You may have further rights under the Data Protection Act that do not apply to the information held on you by Scotwest. You can find out more about your full rights at ico.org.uk.

How to Make A Complaint

If you are unhappy with any aspect of how we use your data we want you to tell us and we will aim to resolve your complaint within 3 days. However, should that not be possible, we will write to you to keep you regularly updated about what is happening.

Scotwest Lottery Privacy Notice

This privacy notice is to let you know how The Scotwest Lottery collects and looks after your personal information. This notice explains how we do this and tells you about your privacy rights and how the law protects you.

Who We Are

The Scotwest Lottery is a data controller of the personal information you provide when you apply to play the Scotwest Lottery . Our lawful basis for processing this information is by contract.

Find out more about us at www.scotwest.co.uk/membership/scotwest-lottery/

You can contact us at office@scotwest.co.uk or call 0141 227 2390. Our address is 13 Elmbank Street, Glasgow G2 4PB.

How We Use Your Personal Data

Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. Your personal information is used by The Scotwest Lottery in order to administer the Lottery draw and announce results.

Where We Get Your Personal Data

The personal information that we record is provided by you when you:

Apply to take part in The Scotwest Lottery.
Contact Scotwest to change your details during the course of your membership whether in person, online, in writing or by telephone

How We Share Your Personal Data

In order to administer The Scotwest Lottery we share your data with Scotwest Credit Union Limited and our auditors.

In instances of fraud or suspected fraud, we may share personal information with other financial organisations.

Where required by law or regulation, we may share your information with law enforcement agencies and our regulators.

How Long Do We Keep Your Personal Data

Individual Rights

You and the data that The Scotwest Lottery holds about you are protected under the Data Protection Act 2018 as amended by the General Data Protection Regulation. You have a number of rights including:

the right to be informed
- You have the right to be informed about all aspects of the use of your personal information. The Scotwest Lottery will always let you know how we collect your information, why we need it and how we use it
the right of access
- You can request access to a copy of the personal information about you that The Scotwest Lottery holds as well as details on how we use it, at any time. You can send your requests for information to office@scotwest.co.uk or Scotwest Credit Union, 13 Elmbank Street, Glasgow G2 4PB or call us on 0141 227 2390
the right to rectification
- If any of the personal information that we hold on you is incorrect or has changed, you can ask us to make it right at any time by contacting us office@scotwest.co.uk or Scotwest Credit Union, 13 Elmbank Street, Glasgow G2 4PB or call us on 0141 227 2390
the right to object
- You have the right to object to how your personal information is used for marketing purposes. You can unsubscribe from receiving promotional emails from Scotwest at any time using your online banking account or by contacting marketing@scotwest.co.uk
the right to data portability
- You have the right to request copies of your personal information held by Scotwest in a format which allows you to use it for your own purposes across other platforms and systems

You may have further rights under this legislation. These do not apply to the information held on you by Scotwest under your membership contract. You can find out more about your full rights at www.ico.org.uk

How to Make A Complaint

You can contact us with your concerns in the following ways: