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Warning:THE MORTGAGED PROPERTY (WHICH MAY BE YOUR HOME) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Gibraltar - Use of personal information


Please read the information below for details on how we use your personal information.

Mortgages


Your mortgage application and management of your account


In considering your mortgage application, we will search your record at credit reference agencies who will supply us with information, including information from the Electoral Register. The agencies will record this search whether or not this application proceeds. Information which is provided to us and/or the credit reference agencies about you and those with whom you are linked financially, may be used by us and other companies if credit decisions are made about you, or other members of your household.

If you are making a joint application or tell us that you have a spouse or partner, we and credit reference agencies will link information held about you with records relating to those with whom you are or have been financially linked or associated. For the purposes of this application you may be treated as financially linked or associated and your application will be assessed with reference to any ‘associated’ records.

By stating a financial association with another party, you are declaring that you are entitled to disclose information about your joint applicant and/or anyone else referred to by you and you authorise us to search, link, and/or record information at credit reference agencies about you and/or anyone else referred to by you. An ‘association’ between joint applicants and/or any individual identified as your financial partner will be created and credit reference agencies will link your financial records. You and anyone else with whom you have a link should understand that each other’s financial information will be taken into account in all future applications by either or both of you. This link will continue until one of you successfully files a ‘disassociation’ at the credit reference agency/ies.

The credit reference agencies will add to your record details of our search and your application. We will also add to this record details of your account. If you do not repay in full and in time, we may tell the agencies who will record the outstanding debt.

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent crime, fraud and money laundering, for example when:

  • Checking details provided on applications for credit and credit related or other facilities.
  • Managing credit and credit related accounts or facilities.
  • Cross checking details provided on proposals and claims for all types of insurance.
  • Checking details on applications for jobs or when checked as part of employment.

With the information we obtain, we will:

  • Assess the mortgage application;
  • Verify your identity and the identity of your spouse or partner;
  • Trace your whereabouts and recover debts that you owe;
  • Conduct other checks to prevent or detect fraud;
  • Use automated scoring methods to assess the application and to verify your identity;
  • Manage your account with us;
  • Undertake periodic statistical analysis and system testing.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Please contact us on freephone 0500 225 777 if you want to receive details of the relevant fraud prevention agencies.

This is a condensed guide to the use of your personal information by us and credit reference and fraud prevention agencies. If you would like further information, please read our “Guide to the use of your personal data by Leeds Building Society, credit reference agencies and fraud prevention agencies” which is available on our website at leedsbuildingsociety.co.uk. Alternatively, you can request a copy by telephoning us on 0113 216 7353. By proceeding with the application you are agreeing to your personal information being used in this way.

Information which you provide or which we obtain through your dealings with us will be held on the Society’s computers and in other records. We may use and pass on such information as follows:

  • To subsidiary and associated companies of the Society who may use it for marketing purposes as mentioned below but only where you have given us your permission to do so.
  • To anyone whom we transfer our rights and duties under our agreement with you.
  • When required or permitted to do so by law.
  • When you have given your specific permission for your data to be used for other purposes.

We may also disclose information about your financial standing and the mortgage you have applied for (including information contained in this application form) in order that joint applicants or any guarantor can obtain independent legal advice regarding this application.

You have the right on payment of a fee to receive a copy of the information we hold about you if you apply in writing to the Customer Services Department, Leeds Building Society, 105 Albion Street, Leeds, LS1 5AS.

We may monitor and/or record your telephone conversations with the Society to ensure consistent service levels (including colleague training).

Leeds Building Society group marketing programme


We may use and share your customer records, including your contact details, details about the application and any of the services we provide to you, with:

  • companies within Leeds Building Society Group; and
  • companies which form part of its strategic partnerships.

You can ask us for a list of such companies.

This is so that we or they may contact you by mail, telephone, fax or email with Society news, and to inform you about our or their financial services including mortgages, savings and investments, life products, loans and credit cards, general insurance and financial planning services and of competitions and offers which may be of interest to you. By submitting your application you agree to being contacted as described unless you have ticked the box in the consent section of the application form.

Savings


If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent crime, fraud and money laundering, for example when:

  • Checking details provided on applications for credit and credit related or other facilities.
  • Managing credit and credit related accounts or facilities.
  • Cross checking details provided on proposals and claims for all types of insurance.
  • Checking details on applications for jobs or when checked as part of employment.

With the information we obtain, we will:

  • Assess the application;
  • Verify your identity and the identity of your spouse or partner;
  • Trace your whereabouts and recover debts that you owe;
  • Conduct other checks to prevent or detect fraud;
  • Use automated scoring methods to assess this application and verify your identity;
  • Manage your account with us;
  • Undertake periodic statistical analysis and system testing.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Please contact us on freephone 0500 225 777 if you want to receive details of the relevant fraud prevention agencies.

This is a condensed guide to the use of your personal information by us and credit reference and fraud prevention agencies. If you would like further information, please read our “Guide to the use of your personal data by Leeds Building Society, credit reference agencies and fraud prevention agencies” which is available on our website at leedsbuildingsociety.co.uk. Alternatively, you can request a copy by telephoning us on 0113 216 7353. By proceeding with the application you are agreeing to your personal information being used in this way.

Information which you provide or which we obtain through your dealings with us will be held on the Society’s computers and in other records. We may use and pass on such information as follows:

  • To subsidiary and associated companies of the Society who may use it for marketing purposes as mentioned below but only where you have given us your permission to do so.
  • To anyone whom we transfer our rights and duties under our agreement with you.
  • When required or permitted to do so by law.
  • When you have given your specific permission for your data to be used for other purposes.

You have the right on payment of a fee to receive a copy of the information we hold about you if you apply in writing to the Customer Services Department, Leeds Building Society, 105 Albion Street, Leeds, LS1 5AS.

We may monitor and/or record your telephone conversations with the Society to ensure consistent service levels (including colleague training).

Leeds Building Society group marketing programme


We may use and share your customer records, including your contact details, details about the application and any of the services we provide to you, with:

  • companies within Leeds Building Society Group; and
  • companies which form part of its strategic partnerships.

You can ask us for a list of such companies.

This is so that we or they may contact you by mail, telephone, fax or email with Society news, and to inform you about our or their financial services including mortgages, savings and investments, life products, loans and credit cards, general insurance and financial planning services and of competitions and offers which may be of interest to you. By submitting your application you agree to being contacted as described unless you have ticked the box in the consent section.

A guide to the use of your personal data


View our Guide to the use of your personal data by Leeds Building Society and Credit Reference and Fraud Prevention Agencies