Our Privacy Notice
If you would like to read the full details of how your personal data may be used, you can access our Privacy Notice on the appropriate link below:
• Customers: Privacy Notice (Use of Information Statement)
• Mortgage Intermediaries: Privacy Notice
Information about us
Vida Bank Limited trading as Vida Homeloans (“Vida Homeloans”, “we” or “us”) is a data controller and gathers and uses information about you. Details of our notification to the regulator for data protection, may be found in the Information Commissioner’s Office Public Register of Data Controllers at www.ico.org.uk under registration number ZA161427.
The www.vidahomeloans.co.uk website and its webpages (the "Site") are also operated by Vida Bank Limited, whose registered office is at 1 Battle Bridge Lane, London, SE1 2HP.
If you require any further information, please contact our Data Protection Officer:
The Data Protection Officer
Vida Bank Limited
1 Battle Bridge Lane
London
SE1 2HP
Email: dataprotectionoffice@vidabank.co.uk
Phone: 01784 4618561
Key summary
The purpose of the Privacy Notice (which is referred to in the terms and conditions governing any loan with us as the ‘Use of Information Statement’) (“the Notice”) is to set out the purposes for which, and the manner in which, we may collect and use personal information that we may obtain about you when you make contact with us or use our services.
We collect data about you when you use our services or when you register as a user of any services provided by us through an intermediary, on this Site and/or by using this Site generally you consent and agree to this use by us. We are committed to protecting your personal data and being transparent about the way we use it. We will use your data for a number of different reasons for example to meet our legal or regulatory obligations.
We have different Privacy Notices depending on your relationship with us and the circumstances in which your data is collected and processed. These are as follows:
Customer Privacy Notice
Intermediary Privacy Notice
The UK General Data Protection Regulation requires Vida Homeloans to manage personal information in accordance with the General Data Protection Regulation Principles. In particular, Vida Homeloans is required to process your personal information fairly and lawfully. This means that you are entitled to know how we intend to use any information you provide. You can then decide whether you want to give it to us in order that we may provide the product or service that you require.
All our employees are personally responsible for maintaining customer confidentiality. We provide training to all employees to remind them about their obligations. In addition, our policies and procedures are regularly audited and reviewed.
We may change our Notice in the future. If we make any substantial and/or material changes and those changes materially affect you, we will inform you of any changes before they take effect.
Your data protection rights
You have a number of rights in relation to your information:
1. The right to be informed
You have the right to be informed about the collection and use of your personal data.
2. The right of access
You have the right to access your personal data. You have the right to ask for copies of your personal information that we hold.
3. The right to rectification
You have the right to ask us to rectify information you think is inaccurate.
4. The right to erasure
You have the right to ask us to erase your personal information in certain circumstances.
5. The right to restrict processing
You have the right to request the restriction or suppression of your personal data in certain circumstances.
6. The right to object
You have the right to object to processing if we are able to process your information because the process is in our legitimate interests.
Cookies
Our website uses cookies. For detailed information on all the cookies we use and the purposes for which we use them please see our Cookie Notice
Disclosure of your information
We will treat your personal information as private and confidential, but may share it with other companies in the Vida Bank Limited group and disclose it outside of Vida Bank Limited 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 Vida Bank Limited 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 (including for research purposes), 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;
i) needed by any other parties connected with your account (including guarantors); or
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).
For information about cookies and how they are used on our Site, visit our cookies policy.
We will always ensure your information remains safe and secure. If you were ‘introduced’ to us by a third party and/or have a relationship, we will give them your contact details and sufficient information about you to help with their accounting and administration. Introducers may use these details to contact you about products and services unless you have asked them not to do so.
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.
Information we collect about you
If for any reason you are unsure about the personal and account information we are holding in your name, please contact us. We will happily review your file and update the records if required. You have the right to ask us to correct incorrect data which we may hold about you. You also have the right upon applying in writing to obtain a copy of the information held by us about you.
For more information, or to exercise your data protection rights, or if you are unhappy about how your personal data is being used, please contact our Data Protection Officer.
Please note that you can contact credit reference agencies for any data you believe to be incorrect and/or to log a notice of correction.
How to complain
If you have any complaints about the way we use your personal information please contact the Data Protection Officer:
The Data Protection Officer
Vida Bank Limited
1 Battle Bridge Lane
London
SE1 2HP
Email: dataprotectionoffice@vidabank.co.uk
Phone: 01784 4618561
If we cannot resolve any issue, you have the right to complain to the Information Commissioner:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Helpline number: 0303 123 1113 ICO website: https://www.ico.org.uk