Privacy

We know you are concerned with how your personal and financial information is used. This privacy policy demonstrates rebuildingsociety.com Limited’s commitment to protecting your personal and financial privacy. This policy sets out the details about information we may collect from you, as well as how we may use this information. It also informs you of your rights in controlling the information we hold.
As a user of rebuildingsociety.com it is important for you to read through and understand this policy. By accessing and engaging with the site, you confirm that you have read and accepted this privacy policy. Furthermore, we may change the content or services found on our website at any time without notice. You agree to revisit this page regularly and your continued access to, or use of the website will mean that you agree to the changes.

  • What is rebuildingsociety.com Limited ?

        rebuildingsociety.com Limited is a company incorporated in England and Wales with registration number 07885342. Our registered office and place of business is 16 Queens Square, Leeds, West Yorkshire, LS2 8AJ, United Kingdom. We are a VAT registered company (VAT Number) 140752924.
  • Personal Information

          When you register to use the password-protected areas of the website, we will ask you to provide us with certain up-to-date information about yourself, which we will handle in accordance with the Data Protection Act 1998 as well as the Electronic Communications Regulations 2003.

    We maintain strict security standards and procedures with a view to preventing unauthorised access to your data by anyone, including our staff. We use leading technologies such as data encryption, firewalls and server authentication to protect the security of your data. We can however not accept any liability for communications that may be intercepted by unauthorised third parties, that fail to be delivered or that are delivered incorrectly.

  • Lenders

        In order for us to ensure that your experience as a lender on the platform is enjoyable, efficient and safe, we need to collect and store certain information about you. Below is a list of information we may hold and collect about you:
        1) Your full name and date of birth
        2) Contact details including your current postal address, phone numbers and email address
        3) Your bank account details used in making transfer to and from rebuildingsociety.com
        4) Your security questions and passwords you use to access the site.

    In addition to the above personal and contact information, we may also store data about your use of the website, any of your contributions to blogs or forums as well as any correspondence with us via email or post. You should not post, communicate or share content on rebuildingsociety.com that you did not create or own. rebuildingsociety.com, at its discretion and without notice, may remove any content it chooses. This is not limited to information that violates this privacy policy. Please also be aware that any false information provided by you may also be stored for security reasons.

    • Borrowers

          In order for us to ensure that your experience as a borrower on the platform is enjoyable, efficient and safe, we need to collect and store certain information about you and your organisation. Below is a list of information we may hold and collect about you:

      1)Your name and current address as well as your organisation’s registered name and trading and postal address.
      2)Your Date of Birth
      3)Your company’s contact details including phone, fax and email details
      4)Your company bank account used whilst using rebuildingsociety.com
      5)Your security questions and passwords you use to access the site

      In addition to the above personal and contact information, we may also store data about your use of the website, any of your contributions to blogs or forums, any correspondence with us via email or post as well as any information provided in the application form and interviews. As a member, you are solely responsible for the content you provide. You should not post or communicate or share content on rebuildingsociety.com that you did not create or own. rebuildingsociety.com at its discretion and without notice, may remove any content it chooses, not limited to information that violates this privacy policy. Please also be aware that any false information provided by you may also be stored for security reasons.

      • How we store your information

            Once we have collected the relevant data from you we will store it and use it in an honest and secure manner. Below details some of the ways in which we and some of our verified third party partners may use your information.
            We may use your information in order to:
            1)Verify your identity in order to prevent and identify fraud or cases of money laundering
            2)Assess borrower applications
            3)Carry out regulatory checks
            4)Efficiently manage users’ rebuildingsociety.com accounts
            5)Chase money borrowed or owed

        In addition to the above, we and verified third parties, may also from time to time, use your information to carry out market research, contact you (where you have consented) about products and services that may interest you and to improve user experience and satisfaction of the site. If you no longer wish to be contacted, then please update your user preferences on the site.

        • Who we may share your information with

              As a registered member of rebuildingsociety.com you agree to allow us to share your information where necessary with the following third parties:
              1)Fraud and money laundering prevention agencies.
              2)Credit reference agencies (in the case of lenders, to verify your identity only)
              3)Our third party partners
              4)Other members of rebuildingsociety.com to enforce a loan agreement.
              5)To a third party if it acquires all or the majority of our business and assets as part of an acquisition
              6)To any party or government body that we are required to do so by law
            7) To our Inheriting Partner in the event of needing to enact our Living Will.

          Although we may in certain situations need to provide other members of rebuildingsociety.com with some of your details in order to enforce a loan Agreement, we will not provide them with:
          1)Ownership and shareholder details

              2)Addresses and personal details of directors or details of employees

                3)Contact details of the business

          rebuildingsociety.com will never share, sell or rent your information to any third party without your consent.

              • Credit Reference and Fraud Prevention Agencies

                      Credit Reference Agencies (“CRAs”)

                1) From time to time we undertake credit reference checks against Borrowers and Investors (and against directors, partners, members, shareholders and beneficial owners of Borrowers and Investors), guarantors and Agents:
                - as part of the loan application process; and

                        - if there are late repayments or default.

                2. When CRAs receive a search request from rebuildingsociety they will:
                - place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information. This search may occur regardless of whether a loan application proceeds or not.

                          - place an enquiry or organisational search on the personal credit files of directors, partners, members, beneficial owners and shareholders that have been searched, as well as an associate enquiry search on your personal financial partner’s credit file, if they are a director;

                            - link together the previous and subsequent names advised by you of anyone that is a party to the account;

                              - place an enquiry or identification search on the record of any shareholder or beneficial owner and who rebuildingsociety has checked; and

                                - create a record of the name and address of your business and its proprietors (if there is not one already).

                3. We will give details of all loans taken through the marketplace and how they are managed to the CRAs. If you borrow and do not repay in full and on time, the CRAs will record the outstanding debt and, in some cases, the length of time that the debt remains outstanding; other organisations may see these updates and this affect your ability to obtain credit in the future.

                4. Any records shared with CRAs will remain on file for six years after your account is closed, whether any outstanding sums have been settled by you or following a default.

                5. You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.

                                  •CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414
                                  •Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk
                                  •Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk.

                Third Parties

                                www.rebuildingsociety.com contains links to third party websites. We work with third parties to research certain usage and activities on our website on our behalf. Whilst we take steps to ensure that our third party partners also take steps to protect your information, this privacy policy only applies to the personal information that we collect from you and that we cannot be held responsible for the information that third parties may collect, keep and use through other websites.

                              • Your Rights

                                    As a user of rebuildingsociety.com and of any other sites, you have a say in what information is collected about you, how this information is stored as well as the means for which it is used. Understanding these rights is an important part of using the internet safely. If you want to exercise any of your rights mentioned below please contact us and we’ll be sure to adhere to your requests.
                                    You have the right to:
                                    1)A subject access request. This means you can ask us at any time, to provide you with copies of personal information that we have about you.
                                    2)Request an update or correction of any data we hold about you.
                                  3)Opt out of any marketing communication that we or a third party may send you

                                • Cookies and Web Monitoring

                                      Our website, along with most other major websites, uses cookies. Cookies are pieces of information that a website transfers to the cookie file on your computer’s hard disk. Cookies enable users to navigate around the website and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the site.

                                  We use two types of cookie on our website.

                                  Session cookies, which are temporary cookies that remain in the cookie file of your computer until you close your browser at which point they are deleted.

                                  Persistent or stored cookies that remain permanently on the cookie file of your computer.
                                  Cookies cannot look into your computer and obtain information about you or your family or read any material kept on your hard drive. Cookies cannot be used to identify who you are.

                                  Cookies cannot be used by anyone else who has access to the computer to find out anything about you, other than the fact that someone using the computer has visited a certain website.
                                  Cookies may be used to record details of pages relating to particular products and services that you have visited on our websites. This is to provide us with generic usage statistics to allow us to improve our websites and to provide you with information about products and services that may interest you. Information on products and services may be provided via the website or by other means.

                                  This does not affect your right to opt-out from receiving marketing material from us.

                                  How to manage cookies

                                  The web browsers of most computers are initially set up to accept cookies. If you want to closely manage your cookies you can:
                                  1) set your web browser to disable cookies or to inform you when a website is attempting to add a cookie.
                                  2) also delete cookies that have previously been added to your computer’s cookie file.
                                  You can set your browser to disable persistent cookies and/or session cookies. For more information how to better manage your cookie settings on your specific browser please follow the following link.

                                  Web analytics

                                  In order to develop our website in line with customer needs we work with Web analytics to track usage on our website. Web analytics provide us with statistics to show us which pages on our website are visited most frequently and how long visitors spend on our site. We use this information to improve your experience on the website.
                                  Web analytics, uses a cookie to track the number of unique users of the site. It tells us whether we have a small number of regular visitors to the website or a large number of infrequent visitors. None of the information can be traced to a particular individual – we do not know who you are as a unique user, merely that there are a certain number of people using the website. The cookie only relates to what goes on in the website and the information cannot be used for marketing on an individual basis.

                                  Beacons and spotlight tags
                                  Our pages may contain electronic images, known as web beacons or spotlight tags. These enable us to count users who have visited certain pages on our website. Web beacons and spotlight tags are simply tools used to obtain generic information about the web pages visited. They are not used to obtain information about specific users.

                                  Financial Performance Monitoring (Borrowers only)
                                  With your consent, our system will periodically communicate with your online accounts system to retrieve financial performance information. This is used to track performance trend information and is published to your lenders, who will use this information to decide on actions in the tertiary market. Such as to sell the loan part at a premium or discount and by how much. No individual, customer or order data is taken. Just the Balance Sheet and Profit and Loss reports.

                                  • Your Queries

                                      The above details about how we store and use your data is a condensed version, if you would like to read the full details of how your data may be used please email support@rebuildingsociety.com or ask one of our staff on the contact details below.
                                        If you have any queries regarding privacy issues, please feel free to contact us at any time either via email, post or telephone. All details are available on our

                                    Contact page

                                        .
                                        Please note that in the interest of ensuring that we deal with you query accurately and in the interest of security, we may record any telephone calls.
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