Privacy policy - Leaseholder Support Scheme

Whenever you provide personal information to the Leaseholder Support Scheme or we collect personal information about you, we will only use it in accordance with this privacy notice. Please read this carefully.

This privacy notice applies to the Leaseholder Support Scheme, a scheme which is managed by the Development Bank of Wales subsidiary company DBW Investments (11) Ltd. Whenever the term ‘we’ is used in this notice, it means Leaseholder Support Scheme.

Our principles

We take your privacy very seriously and are committed to protecting your personal information. This means:

  • We will only ask you to provide us with your personal information that helps us to help you.
  • We will hold your personal information securely and responsibly. We use safeguards including electronic encryption, to prevent unauthorised access to your personal information.
  • We will only share your personal information with other companies in the DBW Group, with suppliers who perform services on our behalf and as otherwise set out in this notice.

Why we collect and use your personal information

We will collect and use personal information about you for the following reasons:

  • Using your personal information in connection with your application to the scheme.
  • Because you would like us to contact you in response to a specific enquiry.
  • Using your information in connection with the services that you provide to us.

We may contact you by mediums such as post, telephone, email, text messages or other digital methods of communication, including through other methods that may become available in future. We may send communications for the purposes of:

  • Ongoing Management of products or services we have provided to you.
  • Meeting our regulatory obligations.

More information about how we use your information in connection with each of these purposes can be found below This website also uses cookies, more details can be found in our cookies policy

See also gov.wales cookie policy

Your data protection rights

The personal information you provide to us will be held in accordance with our responsibilities under data protection legislation.  This includes the Data Protection Act 2018 and the UK General Data Protection Regulation. These laws contain specific rights for you, including:

  • The right to request access to personal information held about you (this is known as the right of subject access).
  • The right to have inaccurate personal information about you corrected and, in some circumstances, the right for that information to be erased.
  • The right to object to processing of your personal information in some circumstances (for instance if you think the information we hold about you is inaccurate, or if it is being used for direct marketing purposes).
  • The right to object to your personal information being used for any automated decision-making, including profiling.
  • The right to complain to the regulator, the Information Commissioner's Office, if you are unhappy about how your personal information is being used. The ICO can be contacted at www.ico.org.uk.   

If you would like to exercise any of the rights set out above, including requesting details of the personal information we hold about you, please e-mail us or write to us at:

DATA PROTECTION OFFICER Development Bank of Wales 1 Capital Quarter Tyndall Street Cardiff, CF10 4BZ

1. Using your personal information in connection with the scheme

Why does the Leaseholder Support Scheme need to use my personal information? 

If you apply to the leaseholder support scheme, you will need to provide us with information about you. This is so that we can decide whether you are eligible for support from the scheme. If your application is successful, we will continue to use your information as part of our ongoing management of your circumstances.

We might also use personal information about you which is provided by others to inform our eligibility decisions. For instance, if you are financially associated with an applicant, then we will need to collect personal information about you both.

What information do I need to provide to the Leaseholder Support Scheme?

The exact information that we require will be set out on the application form itself. It will include basic information about you, such as your name, address, and correspondence details.  We will also ask you to provide information about your financial standing.

What does the Leaseholder Support Scheme do with my information?

When you provide your information to us, or if it is provided by others as part of an application, we will use it to assess the application and to decide on whether you are eligible for support from the scheme. Our additional uses of your information may include:

  • Using your information to handle and resolve a complaint you may have, should you wish to raise one.
  • Using your information in accordance with the Terms and Conditions of the scheme.

You acknowledge and agree that your personal data will be processed within the European Economic Area (“EEA“). We will take precautions (in accordance with relevant guidance by regulatory bodies) to ensure that any transfer of your data outside the UK will be subject to safeguards that protect your privacy rights, and your data will be kept secure at all times. 

What is the legal basis for using my information?

Under data protection law, we must have a valid legal basis for collecting and using your personal information. When you apply to the scheme, the following legal bases may apply:

  • Your application is a request for us to enter into a contract with you. We are permitted to use your personal information where it is necessary for us to do so in order to enter into a contract with you and for the performance of a contract.
  • We are subject to various legal obligations whenever we consider applications for a loan, including anti-money laundering legislation and the requirements of the Financial Conduct Authority. We are permitted to use your personal information where it is necessary in order for us to comply with our legal obligations. We are permitted to use your personal information where it is necessary for our legitimate interests, provided that our interests are not overridden by your own interests.
  • In the event that any additional information you provide to us comprises of special category personal information, we are permitted to use this when you have provided your explicit consent for us to do so, for the purposes set out above.

How long does the Leaseholder Support Scheme retain my information?

We will keep your personal information for 2.5 years following completion of your application to the Scheme

We may hold your information for longer where it is necessary to comply with our legal obligations, to exercise legal rights, comply with the Terms and Conditions of the fund or to defend legal claims.

What happens if I do not provide my information the Leaseholder Support Scheme?

In order for us to consider your application, you must provide information about you to us.  If you do not provide all of the details we request in the application form, we will be unable to assess your application and it may result in you not being able to access scheme support.

 

2. Using your personal information to respond to your enquiry

Why does the Leaseholder Support Scheme need to use my personal information?

If you contact us for more information, or if you make a general enquiry, we will need to process your personal information in order to respond to you.  

What information do I need to provide to the Leaseholder Support Scheme?

The applications form available, describes the information required to access scheme support. You may also contact us by sending your query to this email address 

What does the Leaseholder Support Scheme do with my information?

We will use the information to respond to your query.

What is the legal basis for using my information?

Under data protection law, we must have a valid legal basis for collecting and using your personal information. When you apply to the scheme, the following legal bases may apply: 

  • Your application is a request for us to enter into a contract with you. We are permitted to use your personal information where it is necessary for us to do so in order to enter into a contract with you and for the performance of that contract. 
  • We are subject to various legal obligations whenever we consider applications for a loan, including anti-money laundering legislation and the requirements of the Financial Conduct Authority. We are permitted to use your personal information where it is necessary in order for us to comply with our legal obligations. 
  • In the event that any additional information you provide to us comprises of special category personal information, we are permitted to use this when you have provided your explicit consent for us to do so, for the purposes set out above.

How long does the Leaseholder Support Scheme retain my information?

We will hold your information for the time it takes to deal with your query.  We will normally delete your information after 2.5 years following completion of your application, we may hold your information for longer where it is necessary to comply with our legal obligations, to exercise legal rights, comply with the Terms and Conditions of the loan or to defend legal claims. 

3. Using your personal information in connection with services you provide to the Leaseholder Support Scheme

Why does the Leaseholder Support Scheme need to use my personal information?

If you provide services to the Leaseholder Support Scheme, you will need to provide us with information about you. This is so we can decide whether you are the right person or entity to deliver the required service. We will continue to use your information as part of our on-going management of the service you provide.

What information do I need to provide to the Leaseholder Support Scheme?

We require information such as your full name, address and contact details, including email address and telephone number. 

What does the Leaseholder Support Scheme do with my information?

When you provide your information to us, we will use it to assess your suitability for the service.  We will then use your information to manage our ongoing relationship while you provide the service and will share that information with third parties as is required.

You acknowledge and agree that your personal data will be processed within the European Economic Area (“EEA“). We will take precautions (in accordance with relevant guidance by regulatory bodies) to ensure that any transfer of your data outside the UK will be subject to safeguards that protect your privacy rights and your data will be kept secure at all times. 

What is the legal basis for the Leaseholder Support Scheme using my information?

Under data protection law, we must have a valid legal basis for collecting and using your personal information.  When you apply to provide a service to us, the following legal bases may apply:

  • Where your information is provided to us in connection with a service you provide to us, we are permitted to use your personal information for the performance of that contract.
  • We are permitted to use your personal information where it is necessary in order for us to comply with our legal obligations.   
  • We believe that carrying out appropriate checks on potential service providers, and then monitoring the performance of service providers during the term of our relationship, are in our legitimate interests as a responsible lender.  We are permitted to use your personal information where it is necessary for our legitimate interests, provided that our interests are not overridden by your own interests.

How long does the Leaseholder Support Scheme retain my information?

We will keep your personal information for at least 2.5 years. This is to ensure that we have a full record of the contract between us, if there should be any dispute about the contract.

We may hold your information for longer where it is necessary to comply with our legal obligations, to exercise legal rights or to defend legal claims.  

What happens if I do not provide my information to the Leaseholder Support Scheme?

You are not obliged to provide any information to us. However, if you do not provide the details we request, we will be unable to use your services.