Mortgage and Shared Ownership Privacy Notice

This Privacy Notice should be read in conjunction with Colchester City Council’s Privacy Policy.

This Privacy Notice sets out what personal data we will use, how we will use it, and why we need to in respect of mortgages and shared ownership.

Information Collected

We collect and process personal data that you provide to us, which may include:

• Name
• Contact details (such as address, telephone number, email address)
• Date of birth
• National Insurance number

Agencies We May Share Your Data With

Whilst working with you, we may share your information with some of the following third parties:

• Gemini Mortgage Company***
• Other lawful parties, under certain circumstances, such as the Police as and when required.

The Purpose and Lawful Basis for Processing

The lawful basis for the processing of your personal data is a legal obligation.

How Long Will We Keep Your Personal Data?

We will only hold your personal data for as long as necessary and in line with our retention schedules. Legal documents relating to the mortgage/shared ownership are kept permanently. Information relating to balances and money owed is kept until the balance is settled.

How We Protect and Store Your Personal Data

We take the confidentiality of personal information very seriously and use recognized security and access controls to protect your information from unauthorized access, loss, misuse, alteration, or corruption. We have procedures and processes in place to ensure that your personal information is managed appropriately.

Your information may be held outside of the UK. Where this is the case, we ensure that additional measures are in place to protect your data and to ensure that we continue to comply with data protection requirements.

We use cloud providers and online application providers to help us run our business. Therefore, the use of some of our systems may include the transfer of your personal data to other countries. Your data will only be transferred to other countries that have adequate provisions in place to protect personal data to an equivalent level as personal data held in the UK.

Updates to This Privacy Notice

We will continually review and update this privacy notice to reflect changes in our processes and procedures, as well as to comply with changes in the law. When such changes occur, we will revise the 'last updated' date on this notice. We encourage you to periodically review this notice to stay informed about how we are protecting your information.