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Scotwest Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 213616). Details appear on the Financial Services Register (www.fca.org.uk/register).
The minimum age to become a member of Scotwest is 16 years. Upon reaching 18 years, Members can apply to use our loans and mortgage products. Under current legislation, members have the right to cancel their membership with Scotwest, without penalty within fourteen days of their membership application being processed. However, membership of Scotwest is voluntary and your account can be closed at any time, providing no debts are outstanding. To cancel your membership, please contact the Scotwest office.
Members agree to be sent information about Scotwest Credit Union, its products and services, promotions and developments as well as account statements. Scotwest Credit Union is committed to the provision of service of the highest quality to its members. In the event however, that a member is dissatisfied with any aspect of this service, Scotwest will endeavour to resolve any complaint as effectively and efficiently as possible. Members will be issued with further information after joining. In addition, if we have been unable to resolve your complaint within eight weeks, or you are not satisfied with our response, you can refer this matter to the Financial Ombudsman Service. This organisation has been set up by law to help settle individual disputes between consumers and financial firms. Scotwest Credit Union is covered by the Financial Services Compensation Scheme. This scheme provides a safety net if a Bank, Building Society or Credit Union should fail. Further information on the scheme will be issued after joining. Please note that all calls to our Member Enquiry Line may be monitored and/or recorded in order to maintain and improve our service.
Under money laundering regulations, we are required to verify the identity and address of all new members before we can accept their application. To do this, we will make an electronic check. This process involves checking the details you supply against those held on a number of specific databases which Experian, the credit reference agency used by Scotwest Credit Union for the check, has access to. For example they will check to see whether you appear on the Electoral Register at the address you have provided. Scoring methods will be used in the verification process as this gives a more thorough check of the available data. A record of this process will be kept that may be used to help other companies to verify your identity. We may also pass information to organisations involved in fraud prevention to protect ourselves and our members from theft and fraud. If you supply false or inaccurate information and we suspect fraud, we will record this and share this information with other organisations. We may also, if necessary ask you to send us documents to confirm your identity and address.
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.
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 https://www.scotwest.co.uk/about/
You can contact us at firstname.lastname@example.org or call 0141 227 2390. Our address is 13 Elmbank Street Street, Glasgow G2 4PB.
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:
You may give us your consent to receive promotional material and information. You have the right to withdraw this consent at any time.
Scotwest holds the following information about you:
The personal information that we record is provided by you when you:
We may also obtain your personal information from other agencies including:
In order to provide our services we share your data with our data processing partners:
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.
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:
Call Credit - www.callcredit.co.uk/crain
Equifax - www.equifax.co.uk/crain
Experian - www.experian.co.uk/crain
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.
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.
You and the data that Scotwest holds about you are protected under the Data Protection Act 1998 as amended by the General Data Protection Regulation. You have a number of rights including:
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/
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
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 https://ico.org.uk/.