Radian is the Help to Buy Agent for the South, and is committed to protecting your privacy, taking its responsibilities regarding the security of user information very seriously. This privacy statement sets out how Radian complies with both UK and European Union data protection requirements. Once you choose to provide us with any information by which you can be identified, then you can be assured that it will only be used in accordance with this Privacy Statement.
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What if you think we have incorrect information or you would like a copy of the information we hold about you?
Under the Data Protection Act 1998 you may request details of personal information which we hold about you. If you would like a copy of the information held on you please contact us.
The Data Protection Act 1998
We ensure that information we hold and process meets the eight principles of the Act, which state that information about you must be:
• Obtained and processed fairly and lawfully
• Adequate, relevant and not excessive
• Accurate and up to date
• Not kept for longer than is necessary for the purposes it was obtained
• Processed in accordance with the rights of data subjects under the Act
• Managed to ensure only appropriate processing takes place
• Held and disposed of in a secure manner
• Not transferred without adequate protection
• By law, we are required to do this
How we use your information
To help Radian deliver its services to you effectively, we collect, process and store personal information about applicants and other customers that we provide services for.
However, we treat any information provided by you in strictest confidence and in line with the Data Protection Act. When dealing with your personal information we aim to:
• Tell you whenever possible why we need your information and what we use it for
• Only use your personal information for what we have said we will use it for
• Keep only the personal information that we need in order to provide services to you or to meet our legal obligations
• Take all responsible steps to make sure that your personal information is accurate and up to date. Please help us to do this by telling us if any of your details change
• Delete or destroy personal information about you when we no longer need it and in line with our retention and disposal policy.
What information do we hold about you?
Examples of personal information would be names, birth dates of people in your household, and telephone numbers. Some of the information we collect is more sensitive, and is classified as "sensitive personal data" under the Data Protection Act.
Why do we collect sensitive information?
Sensitive personal data is strictly confidential and will only be made available to those directly involved in dealing with your housing.
We collect information about your age, gender, sexuality, race, religion, disabilities etc., should you choose to give it, to:
• Ensure that services cater for you and help us direct services to where they are most needed
• Provide statistical information to our regulators which we will present in a way which does not identify you
• Help provide assistance to you in an emergency
• Tailor services so that they are appropriate for your needs
How we protect your personal information
We are committed to the highest standards of security and confidentiality when holding your personal information. All personal information we receive from you or a third party is treated as strictly confidential. We will not disclose anything given to us in confidence unless you agree to this.
We must report how we use personal information to the Information Commissioner who is responsible for making sure that information is collected, held and used in line with the Data Protection Act 1998.
If you telephone our offices to enquire about your account or personal matters related to your account, you will be asked certain questions to prove your identity before we answer. We want to be sure that we do not disclose personal information about you to another person.
How long will we store your information
In line with the Data Protection Act 1998, we will not keep personal information for longer than is necessary. When we dispose of information we do so securely.
Who to contact if you feel we have not protected your information
If you think we have broken any principles of the Data Protection Act, you can ask the Information Commissioner's Office to look into the matter.
Your rights to see and change your personal information
The Data Protection Act allows you to find out what information we hold about you and your application. You can ask us:
• If we hold personal information about you
• What we use the information for
• To provide you with a copy of the information you are entitled to
• To supply you with given details of the purposes for which the organisation uses the information and who it is shared with
• To amend correct information
How can you access information
Please write to us with any request for access to personal information we hold about you. We will ask for proof of your identity before we provide information. We will deal with your request within 40 days of receiving it. To cover our administration costs we normally charge a fee of £10.00 for providing information.
There is some information that we cannot legally disclose to you. For example, if it would affect the way a police investigation or a criminal prosecution is carried out. We also may not provide information if the request would mean disclosing information about another individual.