How your personal information is used by Portsmouth Area Regeneration Trust group of companies
Your personal information will be held securely in Portsmouth Area Regeneration Trust Group systems so that we and any other company in our Group that you have dealings with, either now or in the future, can manage your relationship with us. This will include information you provide when you apply to us, and any additional information provided by you or others in various ways, including:
(a) in applications, emails and letters, during telephone calls and conversations, when registering for services, in customer surveys, when you participate in competitions and promotions, through Portsmouth Area Regeneration Trust Group company websites, and during financial reviews and interviews.
(b) from analysis (for example, the amount frequency, location, origin, and recipient) of your payments and other transactions, and your use of services involving other Portsmouth Area Regeneration Trust companies and what they know from operating your account; and
(c) information Portsmouth Area Regeneration Trust Group companies receive from each other, from our business partners, and from other organisations such as credit reference agencies and fraud prevention agencies.
We will not retain your personal information for longer than is necessary for the maintenance of your account, or for legal or regulatory requirements.
We may share the personal information we hold about you across the Portsmouth Area Regeneration Trust Group for the following administrative activities:
(a) providing you with products and services and notifying you about either important changes or developments to the features and operation of those products and services;
(b) responding to your enquiries and complaints;
(c) administering offers, competitions, and promotions;
(d) undertaking financial reviews;
and also for the following data sharing activities:
(e) updating, consolidating, and improving the accuracy of our records;
(f) undertaking transactional analysis;
(g) arrears and debt recovery activities;
(h) testing new systems and checking upgrades to existing systems;
(i) crime detection, prevention, and prosecution;
(j) evaluating the effectiveness of marketing, and for market research and training;
(k) customer modelling, statistical and trend analysis, with the aim of developing and improving products and services;
(l) assessing lending and insurance risks across the Portsmouth Area Regeneration Trust Group;
(m) managing your relationship with the Portsmouth Area Regeneration Trust Group of companies.
By sharing this information it enables us, and other companies in the Portsmouth Area Regeneration Trust Group, to better understand your needs and run your accounts in the efficient way that you expect.
Your data may also be used for other purposes for which you give your specific permission, or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
We will treat your personal information as private and confidential, but may share it with each other and disclose it outside the Portsmouth Area Regeneration Trust Group if:
(a) allowed by this agreement;
(b) you consent;
(c) needed by our agents, advisers or others involved in running accounts and services for you or collecting what you owe Group companies;
(d) needed by subcontractors to help us manage your records;
(e) HM Revenue & Customs or other authorities require it;
(f) the law, regulatory bodies, or the public interest permits or requires it;
(g) required by us or others to investigate or prevent crime;
(h) needed by market research companies to assist us in providing better products and services for you; or
(i) to any other parties connected with your account (including guarantors).
(j) required as part of our duty to protect your accounts, for example we are required to disclose your information to the UK Financial Services Compensation Scheme (FSCS).
We will always ensure your information remains safe and secure.
The Government also requires us to screen applications that are made to us to ensure we are complying with the international fight against terrorism and other criminal activities. As a result of this we may need to disclose information to government bodies.
Portsmouth Area Regeneration Trust Group companies may in the future wish to sell, transfer or merge part or all of their business or assets, or any associated rights or interests, or to acquire a business or enter into a merger with it. If so, they may disclose your personal information to a potential buyer, transferee, or merger partner or seller and their advisers so long as they agree to keep it confidential and to use it only to consider the possible transaction. If the transaction goes ahead, the buyers, transferee or merger partner may use or disclose your personal information in the same way as set out in this notice
If you have a secured loan or mortgage with us, we may need to share information with other lenders who also hold a charge on your property.
If you give personal information about someone else (such as a joint applicant) then you should not do so without their permission. Where information is provided by you about someone else, or someone discloses information about you, it may be added to any personal information that is already held by us and it will be used in the ways described in this privacy notice.
Sometimes, when you open a joint account or product, this may mean that your personal data will be shared with the other applicant. For example, transactions made by you will be seen by your joint account holder and vice versa.
The Data Protection Act defines certain information as ‘sensitive’ (racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences). If you apply to us for insurance, a pension, health insurance or life assurance, we may ask you for some ‘sensitive’ details. We will only use this information to provide the service you require and we will ask for your explicit consent. As a customer, there may be times when you give us sensitive information. We may share it with other parts of the group and our subcontractors to keep your records up to date.
Credit Reference Agencies (CRAs) collect and maintain information about consumers’ and businesses’ credit behaviour. This includes Electoral Register, fraud prevention, and credit information – including details of previous applications and the conduct of your accounts – and public information such as County Court Judgements, decrees, and bankruptcies.
The information that Portsmouth Area Regeneration Trust Group companies and other organisations provide to credit reference agencies about you, your financial associates and your business (if you have one) may be provided to other organisations and used by them and us to:
(a) help make decisions, for example when:
(i) checking details on applications for credit and credit-related or other facilities;
(ii) managing credit and credit-related accounts or facilities;
(iii) recovering debt;
(iv) checking details on proposals and claims for all types of insurance;
(v) checking details of job applicants and employees;
(b) detect and prevent crime, fraud and money laundering.
(c) check your credit history;
(d) verify your identity if you, or someone financially linked with you, applies for services;
(e) trace your whereabouts; and
(f) undertake research, statistical analysis and systems testing.
If a Portsmouth Area Regeneration Trust Group company needs to make a credit decision when you apply for a credit-based product or service (e.g. mortgage, personal loan) or to review the amount of credit it provides under an existing agreement, your records will be searched, along with those of anyone who is financially associated with you such as your spouse or partner. The CRA will keep a record of this search and place a “footprint” on your credit file, whether or not the application proceeds.
We may give details of your account and how you conduct it to credit reference agencies, including if you borrow and do not repay in full and on time. If you fall behind with your payments and a full payment or satisfactory proposals are not received within 28 days of a formal demand being issued, then a default notice may be recorded with the CRAs. Similar information may also be given about your other lending/credit relationships with members of the group. Any records shared with CRAs will remain on file for 6 years after your account is closed, whether it has been settled by you or as a result of a default. Other organisations may see these searches and updates if you apply for credit in the future, and these may affect your ability to borrow from other lenders.
If you apply for or hold an account in joint names, or tell us that you have a spouse or financial associate, a financial association will be created between your records, including any previous and subsequent names used by you. This means that your financial affairs may be treated as affecting each other. These links will remain on your and their files until such time as you or your partner is successful in applying for a disassociation with the CRAs to break that link. You must be sure that you have their agreement to disclose information about them. Searches may be made on all joint applicants, and search footprints will be left on all applicants’ records.
You have a right to apply to the credit reference agencies for a copy of your file.
We carry out most of our credit searches using creditsafe, but details of how you have run your account(s) may be disclosed to all the credit reference agencies. The information they hold may not be the same and there is a small fee that you may need to pay to each agency that you apply to. Their addresses are:
Creditsafe, Bryn House, Caerphilly Business Park, Van Road, Caerphilly CF8 3GG or call 02920 886 500 or email email@example.com
Experian Consumer Help Service, PO Box 9000, Nottingham NG80 7WP or call 0844 481 8000 or log on to www.experian.co.uk
Equifax plc, Credit File Advice Centre, PO Box 1140, Bradford BD1 5US or log on to www.myequifax.co.uk
CallCredit, Consumer Services Team, PO Box 491, Leeds LS3 1WZ or call 0870 060 1414 or log on to www.callcredit.co.uk
We have systems that protect our customers and ourselves against fraud and other crime. Customer information can be used to prevent crime and trace those responsible. We will share your personal information from your application with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details of this fraud will be passed to these agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
• Checking details on applications for credit and credit related or other facilities.
• Managing credit and credit related accounts or facilities.
• Recovering debt.
• Checking details on proposals and claims for all types of insurance.
• Checking details of job applicants and employees.
Please contact us on 023 9237 5921 if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies
We may ask you to provide physical forms of identity verification when you open your account. Alternatively, we may search credit reference agency files in assessing your application. The agency also gives us other details and information from the Electoral Register to verify your identity. The agency keeps a record of our search, whether or not your application proceeds. Our search is not seen or used by lenders to assess your ability to obtain credit.
To comply with money laundering regulations, there are times when we need to confirm (or reconfirm) the name and address of our customers. This information may be shared with other group companies.
When you apply for a mortgage or further borrowing it may be necessary to obtain references, details of your existing financial commitments, and any other information that is required to assess or review lending risks, to recover debts, and to prevent or detect fraud. Where applicable, your current and previous employers, accountant, landlord, lender, bank, insurance or pension company may be contacted to obtain this information. In limited circumstances these references may need to be obtained after you open your account. This may be for regulatory purposes, or if the lending decision needs to be reviewed. Your permission to obtain these references will therefore continue to apply after your account has been opened. It may also be necessary to obtain information or documentation from your solicitor relating to any work they carry out either on your or our behalf.
Making sure we deliver excellent customer service is very important to us and to do this various methods of communication may be used when sending you information about your account. Most of the time you will be contacted by letter or telephone, but you may also be sent updates by text message or email when it is believed to be appropriate. You can ask us to stop sending these messages at any time. Additionally, in extraordinary circumstances (such as natural disaster or civil unrest) we may also send you updates by text message or email. If we decide to use email to contact you, we will only do this if we have ensured that using email will not put your information at risk, or, if you have requested we email you, that we have explained the risks of sending an “insecure” email and that you are happy to accept that risk.
In addition you may wish to choose a channel of communication that suits you when you need to contact us. If you need to email a Portsmouth Area Regeneration Trust Group company, we recommend you check their website to see if a secure email facility exists so that your email can be sent securely. If you send us emails in other ways, such as from your personal account, then remember that the message may not be secure and there is a risk that it could be intercepted. If you choose to send an “insecure” email, please keep the amount of confidential information you include to a minimum.
We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly, to resolve queries or issues, for regulatory purposes, to help improve our quality of service, and to help detect or prevent fraud or other crimes. Conversations may also be monitored for staff training purposes.
As part of our ongoing commitment to understanding our customers better, we may research comments and opinions made public on social networking sites such as Twitter and Facebook.
Under the Data Protection Act you have the right of access to your personal data. The Act allows us to charge a fee of £10 for this service. If anything is inaccurate or incorrect, please let us know and we will correct it. For further details on how to request a copy of your information, please write to:
Parity Trust, 1000 Lakeside (east wing), North Harbour, Portsmouth, Hampshire PO6 3EN
In general, you can visit Portsmouth Area Regeneration Trust Group websites without identifying who you are or revealing any information about yourself. However, cookies are used to store small amounts of information on your computer, which allows certain information from your web browser to be collected. Cookies are widely used on the internet and do not identify the individual using the computer, just the computer being used. Cookies and other similar technology make it easier for you to log on to and use our websites during future visits.
Changes to privacy notice
We keep our privacy notice under regular review and we will reflect any updates within this notice. This privacy notice was last updated on 25th February 2015.
Important legal information
Parity Trust is the trading name of the Portsmouth Area Regeneration Trust Group (known as PART) comprising of:
Portsmouth Area Regeneration Trust (Guarantee) Limited. Registered in England and Wales; Number 3977373. Registered Office: 1000 Lakeside, Portsmouth, Hampshire PO6 3EN
– Portsmouth Area Regeneration Trust (Guarantee) Limited is authorised and regulated by the Financial Conduct Authority, registration number 504445. Authorisation can be checked on the Financial Services Register at www.fca.org.uk Portsmouth Area Regeneration Trust (Guarantee) Limited is also a member of the Council of Mortgages Lenders: www.cml.co.uk
Portsmouth Area Regeneration Trust (IPS) Limited – an Industrial & Provident Society. Register Number 29069R. Registered Office: 1000 Lakeside, Portsmouth, Hampshire PO6 3EN.
Portsmouth Area Regeneration Trust. Registered in England and Wales; Number 03794640. Charity Commission register number; 1079454. Registered Office: 1000 Lakeside, Portsmouth, Hampshire PO6 3EN