Privacy Policy

We are committed to protecting our members' privacy. The credit union requires any information marked as mandatory for membership to either meet legal obligations or to enable us to perform our contract with you. Where you are not able to provide us with this information, we may not be able to open an account for you. Where we request further information about you not required for these reasons, we will ask for your consent.

How we use your personal information

Just Credit Union may process, transfer and/or share personal information in the following ways:

For legal obligations

  • to confirm your identity
  • to perform activity for the prevention of money laundering and financial crime
  • to carry out internal and external auditing
  • to record basic information about you on a register of members

For performance of our contract with you

  • to deal with your account(s) or run any other services we provide you
  • to consider any applications made by you
  • to carry out credit checks and to obtain and provide credit references
  • to undertake statistical analysis, to help evaluate the future needs of our members and to help manage our business

For legitimate interests

  • to conduct activity for the purposes of debt recovery

With your consent

  • to inform you of products and services by direct marketing (unless you specifically object to this), or to conduct market research.

By joining the credit union you agree that we can send you statements, new terms and conditions, information about changes to the way your account(s) operate and notification of our annual general meeting.

Sharing your personal information

We will disclose information outside the credit union only:

  • to third parties to help us confirm your identity to comply with anti-money laundering legislation
  • to credit reference agencies and deb recovery agents who may check the information against other databases - private and public - to which they have access
  • to any authorities if compelled to do so by law (e.g. HM Revenue & Customs to fulfil tax compliance obligations)
  • to fraud prevention agencies to help prevent crime or where we suspect fraud
  • to any persons, including, but not limited to, insurers who provide a service or benefits to you or for us in connection with your account(s)
  • to our suppliers in order for them to provide services to us and/or to you on our behalf
  • to anyone in connection with a reorganisation or merger of the credit union's business
  • other parties for the administration of marketing communications. (We will NEVER sell or share your information to other companies for marketing of products and services not provided by the credit union or in connection with your credit union account.)

Loan applications

As a responsible lender, Just Credit Union has a legal obligation to take steps to ensure that our customers are creditworthy.

We use a variety of methods to try to make sure that we do not lend money to people who are in financial difficulty. One of these is to carry out a credit reference check. In order to do this, we may pass the personal data that you provide to us in your loan application to a credit reference agency (CRA) called Perfect Data Solutions Limited which trades as Lending Metrics. Lending Metrics provide us with data about a customer's credit history and borrowing habits. You can contact Lending Metrics at Lancaster Court, 8 Barnes Wallis Road, Fareham, Hampshire PO15 5TU in writing to request the information that they hold about you. (Please note, a small statutory fee may be payable.)

Important - Your Personal Information
Credit decisions and also the prevention of fraud and money laundering
We may use credit reference and fraud prevention agencies to help us make decisions. What we do and how both we and credit reference and fraud prevention agencies will use your information is detailed in the section called: A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies. By confirming your agreement to proceed you are accepting that we may each use your information in this way.

Where we send your information

While countries in the European Economic Area all ensure rigorous data protection laws, there are parts of the world that may not be quite so rigorous and do not provide the same quality of legal protection and rights when it comes to your personal information.

The credit union does not directly send information to any country outside of the European Economic Area, however, any party receiving personal data may also process, transfer and share it for purposes set out above and in limited circumstances this may involve sending your information to countries where data protection laws do not provide the same level of data protection as the UK.

For example, when complying with international tax regulations we may be required to report personal information to the HM Revenue & Customs which may transfer that information to tax authorities in countries where you or a connected person may be a tax resident.

Retaining your information

The credit union will need to hold your information for various lengths of time depending on what we use your data for. In many cases we will hold this information for a period of time after you have left the credit union.

For a copy or our policy for retaining members' data please contact us at or 01743 252325.

Credit referencing agencies

In order to process credit applications you make we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

We will also continue to exchange information to you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates. This may affect your ability to get credit.

A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies is available here

The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail on:

  • Our website here
  • CallCredit at
  • Equifax at
  • Experian at

Your Rights

Click here to find out about your Data Protection Rights


We take the protection of your information very seriously and high security measures will be taken to ensure your data is protected. All online banking activity is protected by a secure certificate using the TLS1.2 standard encryption which provides an industry standard level of security.


To provide you with a good online journey, we will store a number of cookies on your machine, to help us associate important information with you.

For more information on cookies, please view our cookie policy.

External links

You may encounter links to external websites when using our website, this policy does not cover these websites and we encourage you to view each website’s privacy policy before submitting any information.

Contact us

If you want more information on how we use and hold your data, or if you think we may be holding incorrect information, please get in touch on the details below and we will happily review the information we store. We will keep all the records we have on you unless you tell us otherwise.

If you would like to request a copy of all the personal details we are holding on you then please get in touch on the details below. 

If you no longer wish us to hold your personal data, please contact us on the details below. Please note that we may not be able to provide you with our services without access to your data.

  • In person at – Just Credit Union, 1A Castle Gates, Shrewsbury, UK, SY1 2AQ
  • By email to –
  • By telephone on – 01743 252325
  • In writing to – Just Credit Union, 1A Castle Gates, Shrewsbury, UK, SY1 2AQ