How do we share your information with fraud prevention agencies?

As well as using your personal information to manage the product or service we have with you, we will also use and share that information about you with fraud prevention agencies such as, National Hunter (Mortgages only). In addition the information you provide will be used to prevent fraud and money-laundering and to verify your identity. This includes carrying out fraud checks. All this requires us to process your personal information. We will do these checks before we provide the product or service to you, open your account or set up your policy (as relevant) and periodically at other stages after that. If fraud is detected at any time we may refuse to provide the services or financing you have requested, or to employ you, or we may stop providing existing services to you. 

The personal information you have provided, we have collected from you (whether directly or indirectly through our partners and brokers), or which has been received from third parties will be used to prevent fraud and money laundering, and to verify your identity. 
Details of the personal information that will be processed will include your name, date of birth, home address and address history, contact details such as email address, home and mobile telephone numbers, financial information, employment details, device identification including IP and/or MAC address. 
Before we provide services, goods or financing to you, we and fraud prevention agencies, will use this information to prevent fraud and money laundering and to verify your identity. We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal information to detect, investigate and prevent crime. 

Fraud prevention agencies can hold your personal information for different periods of time, depending on how that data is being used. You can contact them for more information. If you are considered to pose a fraud or money laundering risk, your data can be held by fraud prevention agencies for up to six years from its receipt. Further details of how your information will be used by us and these fraud prevention agencies, can be found by www.cifas.org.uk/fpn 
Information on National Hunter can be obtained from them at National Hunter Limited, PO Box 2756, Stoke-on-Trent, ST6 9AQ. 
Information on Credit Reference Agencies can be obtained from their Data Protection Officers. Contact details can be found in the booklet Credit Reference Agency Information Notice. 

Automated decisions relating to identity and fraud checks. 
As part of our processing of your personal information, we may take decisions by automated means. You may automatically be considered to pose a fraud or money laundering risk if our processing reveals your behaviour to be consistent with that of known fraudsters or money launderers, inconsistent with your previous submissions, or if you appear to have deliberately hidden your true identity. 

You have rights in relation to automated decision making there is more detail on this below. 

Consequences of processing for identity and fraud checks. 
As indicated, if we, or a fraud prevention agency, determine(s) that you pose a fraud risk or money laundering risk, we may refuse to provide the product or service and financing to you, open your account or set up your policy (as relevant) or to employ you. If fraud is detected at any time you could be refused the product or service or have it withdrawn from you. If you would like to know more you can contact the Data Protection Officer at the Fraud Prevention Agency (for details about what they do) or our Data Protection Officer (for details about what we do). 

A record of any fraud or money laundering risk will be retained by the fraud prevention agencies and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, you can contact the appropriate fraud prevention agency. 

Data transfers for identity and fraud checks. 
Fraud prevention agencies may allow the transfer of your personal data outside of the UK. This may be to a country where the UK Government has decided that your data will be protected to UK standards, but if the transfer is to another type of country, then the fraud prevention agencies will ensure your data continues to be protected by ensuring appropriate safeguards are in place. 

Lawful processing for identity and fraud checks.

When we and fraud prevention agencies process your personal information for the checks described in this section, we do so on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing may also be a contractual requirement in order for us to provide the mortgage or savings product or to open your account relating to that product. 

Your rights in the context of identity and fraud checks 

Your personal information is protected by legal rights which include (in the context of the checks described in this section) your rights to object to processing of your personal information, request that your personal information is erased or corrected, or request access to your personal information. If you want to exercise any of these rights, you should contact our Data Protection Officer at Furness Building Society, Emlyn Hughes House, Abbey Road, Barrow-in-Furness, Cumbria LA14 5PQ. You can also complain to the Information Commissioner’s Office at Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF (Phone Number: 0303 123 1113) or going to thier website www.ico.org.uk