Shared Owners

We currently process the following information about you:  

• Name   
• Address   
• Telephone number(s)  

• Email address  
• National Insurance Number  
• Date of Birth  
• Next of kin  
• Financial Information – including income verification, benefits payments, and bank statements  
• Gender  
• Notes from conversations we have with you in relation to arrears or complaints  
• Equalities monitoring information – including ethnic origin, disability information and sexuality, for statistical monitoring only  
• Details of household members intending to reside with you, including name(s), date(s) of birth and their relationship to you.  

Most of the personal information we process is provided to us directly by you for one of the following reasons: 

• In connection with a Shared Ownership property that you own a share in. 
• Ongoing queries following the purchase of Shared Ownership share. 

We also receive personal information indirectly, from the following sources in the following scenarios: 

• A solicitor acting on your behalf in the purchase or sale of shared ownership property.  
• Your mortgage lender should you fall into arrears with them, and they look to repossess your share 
• Benefits information, including awards of Housing Benefit/Universal Credit 
• Complaints or other communications regarding behaviour or other alleged breaches of the terms of your contract with us, including information obtained from Police Scotland. 

We use the information that you have given us in order to:

• Assess your eligibility to the Shared Ownership Scheme 
• to undertake and perform our obligations and duties to you in accordance with the terms of our contract with you 
• to enable us to supply you with the services and information which you have requested or expect from us 
• to enable us to respond to your housing application and complaints made 
• to analyse what we collect so that we can administer, support and improve our business and the services we offer 
• to contact you in order to send you details of any changes to our services which may affect you 
• for all other purposes consistent with the proper performance of our operations and business including debt recovery 
• to contact you for your views on our services. 

We may share this information with repairs, maintenance, landscaping and other contractors, housing management system providers, survey contractors, solicitors, debt collection agencies, sheriff officers, First-tier Tribunal (Housing and Property Chamber), the registered landlord of the property and insurance providers.  

Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for processing this information are:  

Personal data 

• We have a contractual obligation as outlined in your occupancy agreement.
• We have a legal obligation to meet conveyancing requirements.
• We have a legitimate interest as a sharing owner. 

Special category data 

Explicit consent – you can withdraw this at any time by contacting Shared Ownership on 01324 417155 or sharedownership@curb.scot  

Your information is securely stored on a variety of secure IT systems, databases and filing systems including Microsoft, SharePoint, Aareon, Filestream, Jadu, payment systems AllPay and KeyIVR  and in secure locked cabinets within C~urb's offices. 

We review our data retention periods regularly and will only hold your personal data for as long as is necessary for the relevant activity, or as required by law (we may be legally required to hold some types of information), or as set out in any relevant contract we have with you.

To view how long we keep your personal data, please visit our retention schedule here.

You have the right to ask us for copies of your personal information. 

You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

You have the right to ask us to erase your personal information in certain circumstances. 

You have the right to ask us to restrict the processing of your personal information in certain circumstances. 

You have the the right to object to the processing of your personal information in certain circumstances . However, if Link can demonstrate that there is a compelling reason to process such personal data then we may refuse to stop processing your personal data.  

You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.