Privacy Policy

Cumberland Building Society (“we” or “us”) are a building society based at Cumberland House, Cooper Way, Parkhouse, Carlisle, Cumbria CA3 0JF. This statement describes how we use any personal information we collect about you when you use our websites. Our privacy policy covers us and our websites.

Our main activities are:

  • residential and commercial mortgages
  • savings and current accounts
  • estate agency
  • general financial advice

How we will use information about you

You can access and browse our websites without disclosing personal information. However, in order to provide the services offered by our websites, we need to hold certain personal information. The only personal information that we collect and store about you is the information that you choose to provide to us (for example, your name, address, telephone number and email address). Except to the extent that we are required or permitted by law, any personal information which we collect will be used solely for the purpose of providing the services offered on our websites, and we will not hold it for any longer than is necessary for this purpose.

It is our policy to take all necessary steps to ensure that personal information we hold is processed fairly and lawfully, and to ensure that all relevant statutory requirements are complied with, including the eight data protection principles contained in the Data Protection Act 1998 (“the Act”). We will take all necessary steps to implement this policy and to monitor our internal procedures periodically to ensure compliance. We will monitor on an ongoing basis compliance with the provisions of the Act by third party processors of personal information held by us. All our employees and data processors who have access to personal information are obliged to respect the confidentiality of your personal information.

We do not knowingly collect personal information from children.

Please note that if you put personal information on publicly available parts of our website, this will be accessible to persons in countries outside the European Economic Area (EEA), which may not have data protection laws as comprehensive as those that exist in the EEA.

Cookies

Our websites use cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our websites and also allows us to improve them. By continuing to browse our websites, you are agreeing to our use of cookies. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your device. For further information visit www.allaboutcookies.org.

Types of cookies we use

Essential cookies

These cookies are essential in order to enable you to browse our websites and use their features.

Performance cookies

These cookies collect information about how visitors use a website, for instance which pages people visit most often. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

Functionality cookies

These cookies allow our websites to remember choices you make (such as your user name) and provide enhanced, more personal features.

Targeting cookies

These cookies are used to deliver adverts more relevant to you. The adverts are placed by an advertising network on other websites with our permission by remembering that you have visited our websites.

The following cookies may be stored on your computer:

Cookie Name Purpose
Essential: Website cookie (for security) incap_ses_* This cookie is essential for the website to filter out malicious requests and is set upon your arrival to most Cumberland websites. This cookie is deleted when you close your browser.
Essential: Website cookie (for security) visid_incap_* This cookie is essential for the website to filter out malicious requests and is set upon your arrival to most Cumberland websites. This cookie expires after one year.
Essential: Website cookie (for security) __utmva*
__utmvb*
__utmvm*
These cookies are essential for the website to filter out malicious requests and is set upon your arrival to most Cumberland websites. These cookies expire after 15 minutes.
Essential: Website cookie (for online enquiry forms) ICFUSERSESSION 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.
Essential: Website cookie (for user authentication) ICFUSERAUTH This cookie is essential for use of Cumberland websites and is set upon your arrival (excluding Cumberland Internet Banking). This cookie is deleted when you close your browser.
Essential: Website cookie (for cookie notice) ICFEUDIRECTIVE This cookie is essential for use of Cumberland websites and is set upon your arrival (excluding Cumberland Internet Banking) to remember that you have been presented with our cookie notice. This cookie will expire after 1 year.
Essential: Website cookie (for optimum content display) ICFPREFERENCE This cookie is essential for use of Cumberland websites and is set upon your arrival (excluding Cumberland Internet Banking) to remember which parts of the website you have previously visited to ensure the content is as relevant to you as possible. This cookie will expire after 30 days year.
Essential: Mortgage Calculator cookie cbs_session This cookie is essential for use of Cumberland Mortgage Calculator and is set upon your arrival onto the Calculator. This cookie is deleted shortly after you close your browser.
Essential: Mortgage Calculator cookie (for security protection) XSRF-TOKEN This cookie is essential to help protect the Mortgage Calculator from attacks and is set upon your arrival onto the Calculator. This cookie is deleted shortly after you close your browser.
Performance: Google Analytics _utma

_utmb

_utmc

_utmz
These cookies are used to collect information about how visitors use our websites (excluding Cumberland Internet Banking). We use the information to compile reports, help us make sure that our websites are available to use at all times, optimise visitors’ experience of the websites and help us improve the websites. The cookies collect information in an anonymous form, including the number of visitors to the websites, where visitors have come to the websites from and the pages they visited. Click here for an overview of privacy at Google.

For more information about Google Analytics visit Google Analytics website, and to opt out of being tracked by Google Analytics across all websites visit Google Opt-Out.
Essential: Internet & Mobile Banking websites BL This cookie allows users of Cumberland Internet and Mobile Banking to use the ‘Remember Me’ function during the logging on process. This cookie expires on 1 January 2020.
Essential: Internet & Mobile Banking websites blxxxx This cookie allows users of Cumberland Internet and Mobile Banking to log on securely. This cookie is deleted when you close your browser.
Targeting: Adroll Adroll This cookie is used to deliver adverts more relevant to you. The adverts are placed by an advertising network on other websites with our permission by remembering that you have visited our websites. The cookie collects information in an anonymous form and does not store any personal information about you. This cookie does not expire. You can reject or delete this cookie on reject or delete this cookie by clicking here.

Marketing

We disclose personal information about visitors to our website to other companies in the Cumberland group for the following purposes:

  • market research
  • business analysis

We will not disclose your personal information without offering you the choice to opt out of such disclosure.

We may from time to time use your personal information to send you information by telephone, e-mail, SMS and post about our group, our special offers and other information that you may find useful. If you do not wish to receive this information please contact us using one of the following free methods:

  • email: marketing@cumberland.co.uk
  • post: Business Development Department, FREEPOST, Cumberland Building Society, Cooper Way, Parkhouse, Carlisle, Cumbria CA3 0JF

Access to your information and correction

You can find out what personal information we hold about you by writing to: Data Protection Officer, Cumberland Building Society, Cumberland House, Cooper Way, Parkhouse, Carlisle, Cumbria CA3 0JF. Your request must be accompanied by a cheque for £10.00. Should we be prevented from disclosing your personal information we will give reasons for any such refusal.

We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate by writing to our Data Protection Officer at the above address. We may request that you provide further information and identification to enable us to comply with this request.

Other websites

Our websites may contain links to other internet websites that are not owned by us. We are not responsible for the content of such websites or for the privacy policy of such websites or for personal information which such websites may collect or place on your computer. When you link to other websites, you should read their privacy policies.

Personal User Account Service

You must submit an accurate and completed registration form to us in order to personalise your use of our website. We may though choose to refuse your application at our discretion.

The username and password you choose are for your sole use and are not to be shared with any other person or multiple users on a network. You will notify us immediately if you become aware of any unauthorised use of them or any other breach of security of our websites.

We reserved the right to refuse access to our websites and/or restrict access or use of any or all elements of our websites on a permanent or temporary basis at our sole discretion.

When you register with us, we save the details you give us in order to allow us to personalise the service we offer, and, if you have chosen to remain signed in on your device, we will place a cookie called ICFUSERKEY on your device. You can update the details we hold about you at any time. We will automatically pre-populate your current details on contact forms.

If following your registration you save searches or properties you are interested in we can identify those search criteria and properties and may use this information to assess how users use our website.

You may deactivate your account in the Edit Account section of our website once you are signed in.