Personal | Contact | Product |
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Transactional | Documentary | Financial |
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Social | Recordings | Special |
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Savings & Current Accounts | Mortgages | Insurance | Business Finance | |
Personal | ✔ | ✔ | ✔ | ✔ |
Contact | ✔ | ✔ | ✔ | ✔ |
Product | ✔ | ✔ | ✔ | ✔ |
Transactional | ✔ | ✔ | ✔ | ✔ |
Documentary | ✔ | ✔ | ✔ | ✔ |
Financial | ✔ | ✔ | ✔ | ✔ |
Recordings | ✔ | ✔ | ✔ | ✔ |
Social | ✔ | |||
Special | ✔ | ✔ | ✔ | ✔ |
Applicant | Guarantor | Referee | Occupier | Family, Friends or Dependents | |
Personal | ✔ | ✔ | ✔ | ✔ | ✔ |
Contact | ✔ | ✔ | ✔ | ✔ | ✔ |
Product | ✔ | ||||
Transactional | |||||
Documentary | ✔ | ✔ | |||
Financial | ✔ | ✔ | |||
Recordings | ✔ | ✔ | |||
Social | ✔ | ✔ | ✔ | ||
Special | ✔ | ✔ |
Sales | Lettings | Valuations | |
Personal | ✔ | ✔ | ✔ |
Contact | ✔ | ✔ | ✔ |
Product | ✔ | ✔ | ✔ |
Transactional | ✔ | ||
Documentary | ✔ | ✔ | |
Financial | ✔ | ✔ | |
Recordings | ✔ | ✔ | ✔ |
Social | ✔ | ||
Special | ✔ | ✔ |
Mail List | Applicant | Tennant | Guarantor | |
Personal | ✔ | ✔ | ✔ | ✔ |
Contact | ✔ | ✔ | ✔ | ✔ |
Product | ✔ | ✔ | ✔ | ✔ |
Transactional | ✔ | |||
Documentary | ✔ | ✔ | ✔ | |
Financial | ✔ | ✔ | ✔ | ✔ |
Recordings | ✔ | ✔ | ✔ | ✔ |
Social | ✔ | ✔ | ||
Special | ✔ | ✔ |
Vehicle Finance | |
Personal | ✔ |
Contact | ✔ |
Product | ✔ |
Transactional | ✔ |
Documentary | ✔ |
Financial | ✔ |
Recordings | ✔ |
Social | |
Special |
Applicant | Indemnifier | |
Personal | ✔ | ✔ |
Contact | ✔ | ✔ |
Product | ✔ | ✔ |
Transactional | ||
Documentary | ✔ | ✔ |
Financial | ✔ | ✔ |
Recordings | ✔ | ✔ |
Social | ||
Special |
Financial Advice | |
Personal | ✔ |
Contact | ✔ |
Product | ✔ |
Transactional | ✔ |
Documentary | ✔ |
Financial | ✔ |
Recordings | ✔ |
Social | ✔ |
Special | ✔ |
Family or Dependents | |
Personal | ✔ |
Contact | |
Product | |
Transactional | |
Documentary | |
Financial | |
Recordings | |
Social | ✔ |
Special |
Reason | Personal Information | Legal Basis | Legitimate Interest |
To provide products and services |
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Contract | |
To operate your accounts |
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Contract | |
To check identity |
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Legal Obligation | |
To carry out credit checks |
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Legal Obligation | |
To compile internal reports |
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Legitimate Interest | To manage our business in an efficient way |
To provide regulatory reports |
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Legal Obligation | |
To monitor for fraud |
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Legal Obligation | |
To carry out audits |
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Legitimate Interest |
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To test our systems |
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Legitimate Interest |
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To protect our staff |
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Legal Obligation | |
To assist law enforcement |
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Legal Obligation | |
To provide direct marketing |
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Legal Interest Consent |
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To tailor information and products to you |
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Consent |
Sometimes we use your personal information in automated processes to make decisions about you, such as credit scoring or for the prevention of fraud. We might also use automated processes to create a profile of you for these purposes. We do this to help ensure decisions are made accurately, fairly and efficiently and to offer you products and services tailored to you and to reduce the risk of fraud.
Further information on when we use automated processes and the logic, significance and consequences of these processes for you
Credit Scoring
We use automated decision making using your personal information to create a profile of you for credit scoring – a method which predicts your credit worthiness based on your financial profile.
To carry out credit scoring we use information you give to us, information we obtain from credit reference agencies, and details about how you have used other products and services you have with us or the Group (for example how you are making repayments on other credit products). In some cases we will also use external data sources for credit scoring. See below for a list of credit reference agencies we use. We analyse this information to identify a credit score based on how likely it is that debts will be re-paid.
We use credit scoring to make the following decisions about you:
Profiling for marketing
We want to ensure that you get the most relevant information about our products and services at the right time. The most effective way for us to do this is to use automated processes to create a profile of you for marketing.
We use processes to analyse your personal information to decide what products and services to offer to you and to prioritise the marketing messages you receive by:
Further information about credit reference agencies
The data we exchange with credit reference agencies can include the following categories:
We will use this information to:
We will also inform the credit reference agencies about your sett led accounts. If you borrow and do not repay in full and on time, credit reference agencies will record the outstanding debt. This information may be supplied to other organisations by credit reference agencies.
When credit reference agencies receive a search from us they will place a search footprint on your credit file that may be seen by other lenders.
If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. Credit reference agencies will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the credit reference agencies to break that link.
The identities of the credit reference agencies, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the credit reference agencies are explained in more detail by each of the three credit reference agencies at the links below:
Type of Recipient | Industry | Location |
Professional Consulting Provider | Financial Services | UK, US |
Credit Reference Agencies | Financial Services | UK |
Digital Security Provider | IT | UK |
Document Storage & Archive Management Provider | Storage & Archiving | UK |
Confidential Waste Disposal | Data destruction & Recycling | UK |
Type of Recipient | Industry | Location |
Financial Regulators | Regulator | UK |
Financial Ombudsman | Regulator | UK |
Payment Service Providers* | Financial Services | UK, US |
Banking Services Providers | Financial Services | UK, US |
Digital Printing Provider | Financial Services | UK |
Digital Security Provider | Financial Services | UK, Netherlands, US |
MIG Providers | Financial Services | UK |
SMS Fulfilment Platform | IT | UK |
Software Providers | IT | UK, Australia, France, New Zealand |
Data Analytics Provider | IT | UK |
Digital Security Provider | IT | UK |
IT Service Provider | IT | UK |
Financial Data Analyst | Data | UK |
Mailing Houses | Print & Logistics | UK |
Valuers | Property | UK |
Conveyancing Partner | Legal | UK |
Lawyers & Estate Agents | Legal | UK |
Insurance Partners | Financial Services | UK |
Type of Recipient | Industry | Location |
Software Providers | IT | UK |
Type of Recipient | Industry | Location |
Loans Management Platform | IT | UK |
Online Application Platform | IT | UK |
Accounting Software Provider | IT | UK |
SMS Fulfilment Platform | Mobile Technology | UK |
Payment Services Provider* | Financial Services | UK |
Type of Recipient | Industry | Location |
Regulated Principle | Financial Services | UK |
Financial Product Providers | Financial Services | UK |
We may also share personal information with a third party who purchases the whole or part of our business or that of any member of our Group. We will notify you of the details of the third party if this happens and ensure that you are provided with their privacy notice.
*Worldpay is a data controller in respect of personal data gathered by the Group for this Type of Recipient. A copy of Worldpay’s Privacy Statement can be obtained from their corporate website or by clicking the following link https://www.worldpay.com/en-gb/privacy-policy
Cookie | Name | Category | Purpose |
Website cookie (for enquiry forms) | ICFUSERSESSION | Essential | This cookie is essential for the online enquiry forms to operate fully and is set upon your arrival to any Cumberland website (excluding Cumberland Internet Banking). This cookie is deleted when you close your browser. |
Website cookie (for cookie preferences) | CookieControl | Essential | This cookie is essential for use of Cumberland websites and saves your cookie preferences. |
Mortgage Calculator cookie | cbs_session | Essential | This cookie is essential for use of our Mortgage Calculator and is set upon your arrival onto the Calculator. This cookie is deleted shortly after you close your browser. |
Mortgage Calculator cookie (for security) | XSRF-TOKEN | Essential | This cookie is essential for security and is set upon your arrival onto the Mortgage Calculator. This cookie is deleted shortly after you close your browser. |
Comm100 chat cookies | comm100_visitorguid, visitorGuid_, secure_comm100_site_id, __cfduid | Essential | These cookies are essential to enable the functionality and security of our web chat service, provided by Comm100. For more information visit https://www.comm100.com. |
Google Analytics cookies | _ga, _gid, _gat, __utma, __utmt, __utmb, __utmc, __utmz, __utmv | Analytical |
We use Google Analytics to collect information about how visitors use our websites (excluding Cumberland Internet Banking). We use the information to compile reports and to help us improve the website. The cookies collect information in a way that does not directly identify anyone. For more information on Google Analytics cookies visit: https://developers.google.com/analytics/ devguides/collection/analyticsjs/cookie-usage |
Hotjar cookies | _hjClosedSurveyInvites, _hjDonePolls, _hjMinimizedPolls, _hjShownFeedbackMessage, _hjid, _hjRecordingLastActivity, _hjTLDTest, _hjUserAttributesHash, _hjCachedUserAttributes, _hjLocalStorageTest, _hjIncludedInSample, _hjAbsoluteSessionInProgress | Analytical | Hotjar is an analytics and feedback tool that we use to understand how visitors interact with our websites (excluding Cumberland Internet Banking). Hotjar cookies help us track behaviour across pages and to control visitor polls and surveys. The cookies carry no personally identifiable information. For more information on HotJar Cookies visit https://help.hotjar.com/hc/en-us/articles/115011789248-Hotjar-Cookies. |
Google cookies | DSID, NID, SID, IDE, AID, __gads, __gac, __gcl | Marketing |
Our websites use the Google Ads remarketing service to advertise our products and services on other websites (including Google) to previous visitors of our sites. We use these cookies to help us improve the relevancy of advertising campaigns you receive. The cookies carry no personally identifiable information. For more information on Google cookies visit https://policies.google.com/technologies/ types?hl=en-GB |
Microsoft cookies | MUID, _uetsid, _uetvid | Marketing | These cookies are utilised by Microsoft Bing Ads and allow us to track conversions for paid search campaigns and analyse the performance of our adverts across the Bing network. For more information on Bing cookies visit https://about.ads.microsoft.com/en-gb/resources/policies/microsoft-advertising-privacy-policy |
Facebook cookies | _fbp, fr | Marketing | Facebook advertiser cookies are used for reporting on social campaigns and to help us improve the relevancy of adverts you receive. For more information on Facebook cookies visit https://www.facebook.com/policies/cookies |
Last updated: 17th September 2020