How we use your personal information
We at Reliance Bank want to make sure you’re in the know about how we use your information and how we treat your data.
1. Who is the Data Controller?
2. What information do we hold and where do we get it from?
We can hold the following information about you:
This information is obtained through a variety of sources such as:
How we manage sensitive personal information
The General Data Protection Regulation (‘GDPR’) defines certain information as ‘sensitive’ (racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sensory impairments, sexual life, criminal proceedings and offences). As a customer, there may be times when you give us sensitive information and we will only record this if you give us your explicit written consent.
3. Legal Basis for holding personal data
Reliance Bank Limited relies on the following lawful bases for processing personal data:
4. How do we use it?
5. Your Rights
Under GDPR, customers have certain rights in respect of their personal data. These are as follows:
Reasons for erasure of your data:
Where we store your personal data for statistical purposes, we may not be able to comply with such a request where it would likely impair such statistical purposes or where we require your personal data for compliance with a legal obligation or in connection with legal proceedings.
6. Sharing your details with other organisations
Occasionally we may need to share your personal information with other people or organisations but only where we are permitted to do so. We may pass your personal information to:
Reliance Bank Limited does not share your personal information with other organisations for their own marketing purposes.
If you apply for personal lending, we will perform a search with a licensed credit reference agency. This may have implications on future creditworthiness for you and other members of your household.
Prevention of financial crime
We may share the information that you supply in your application with fraud prevention agencies and check the details against their records for similar applications made by you to other organisations. We and other organisations may access and use the information recorded by fraud prevention agencies to prevent fraud and money laundering.
7. Security of your information
If you provide us with your personal information, we will keep the information as long as it is necessary to comply with any statutory or legal obligations or for audit purposes. All information held by us is stored securely and kept confidential. For further information on how we keep your information secure and how you can protect your own information online please visit the section ‘Importance of Security’ on our website.
Communications with us may be monitored or recorded to improve the quality of our service and for your protection and security.
We will not send confidential information by email without your consent or unless you have chosen to communicate with us by email and we hold a specific indemnity for this purpose.
We may occasionally process your personal information outside of the UK. Under the GDPR, all countries outside of the EU MUST adhere to the GDPR whenever processing the personal data of an EU citizen.
8. How to get access to your information
Under the GDPR, you have the right to access your personal information held by Reliance Bank Limited. This is known as a ‘Data Subject Access Request’. There is no fee for this, however we reserve the right to charge a fee where requests are repetitive and/or require a greater degree of retrieval work.
To obtain your information, requests must be in writing either by letter or by completing the Subject Access Request form located at the bottom of this page.
Once completed, this can be sent either via email to email@example.com or by post to our office address. We will reply to your request within 30 calendar days.