Privacy Policy

Help to Buy Privacy Notice

Introduction

Help to Buy Midlands is the agent acting on behalf of Homes England (also known as the Homes and Communities Agency) for Equity Loans and Shared Ownership. Help to Buy Midlands is delivered by Orbit Homes (2020) Ltd, part of the Orbit Group Ltd, a registered provider of social housing.

We (Help to Buy Midlands) are responsible for how your data is processed. The word ‘process’ covers what can be done with personal data, including collection, storage, use and deletion.

This privacy notice explains why and how we process your personal data, and explains the rights you have, including amongst others, the right to access your data, and to object to the way it is processed. Please see the section on ‘Your rights as a data subject’ for more details on your rights and how to exercise them.

Our contact details are:

Address:     

Help to Buy Midlands

Garden Court

Harry Weston Road

Binley Business Park

Binley

Coventry

CV3 2SU

Email:

htb@orbit.org.uk

Telephone number:

03458 502050 option 2

 

If you have any queries about this notice or anything related to data protection, you can contact our Data Protection Officer (DPO) at Garden Court, Harry Weston Road, Binley Business Park, Binley, Coventry, CV3 2SU or informationgovernance@orbit.org.uk

Personal data

‘Personal data’ is any information that relates to a living, identifiable person. This will usually include your name, address, contact details, and other information we collect as part of our relationship with you.

It can also include ‘special categories’ of data, which is the official term for information about a person’s race or ethnic origin, religious, political or other beliefs, physical or mental health, trade union membership, genetic or biometric data, sex life or sexual orientation.

The use of this type of data, and of information about criminal convictions and offences, is subject to strict legal controls.

We are committed to protecting your privacy and all of your personal data. We only process data if we need to for a specific purpose, as explained in this notice. Most often, we collect your personal data directly from you, through our contact with you.

Your rights as a data subject

As a data subject, you have the following rights in relation to your personal data:

 

  • To be informed about how your data is handled;
  • To gain access to your personal data;
  • To have errors or inaccuracies in your data changed;
  • To have your personal data erased, in limited circumstances;
  • To object to the processing of your personal data for marketing purposes or when the processing is based on the public interest or other legitimate interests;
  • To restrict the processing of your personal data, in limited circumstances;
  • To obtain a copy of some of your data in a commonly used electronic form, in limited circumstances;
  • Rights around how you are affected by any profiling or automated decisions.

If you wish to exercise any of these rights, please contact us in writing.

For more information about these rights, please see the ICO’s website https://ico.org.uk/ or contact our Data Protection Officer: at Garden Court, Harry Weston Road, Binley Business Park, Binley, Coventry, CV3 2SU or informationgovernance@orbit.org.uk

 

Withdrawing consent

If we are relying on your consent to process your data, you may withdraw your consent at any time by contacting us.

 

Complaints to the Information Commissioner

You have a right to complain to the Information Commissioner's Office (ICO) about the way in which we process your personal data. You can make a complaint on the ICO’s website https://ico.org.uk/.

 

Your data and how and why we process it

Orbit processes your data so we can manage and support our relationship with you, comply with legal obligations, improve our services and achieve our legitimate business aims. The information below gives more details about our purposes for processing data, and the legal basis for each type of processing.

 

Processing Purpose

Legal Basis for Processing

Equity Loans:

We use your personal and financial details to assess your eligibility for the Help to Buy Equity Loan. This may include data from financial or mortgage advisors where you have opted to use them.

 

We also process data received from your solicitor as part of the Help to Buy completion process.

 

We also collect special category data on behalf of Homes England. For more information on this please go to:

https://www.gov.uk/government/organisations/homes-england

https://www.gov.uk/government/organisations/homes-england/about/personal-information-charter

 

Where we need to perform the contract that Homes England (Homes and Communities Agency) is about to enter into or has entered into with you.

 

 

Where we need to perform the contract that Homes England (Homes and Communities Agency) is about to enter into or has entered into with you.

 

 

Shared Ownership:

 

We complete headline assessment of your data in order to confirm eligibility for the Shared Ownership scheme.

 

 

 

Where you name a housing provider, this information will be accessible to the provider to enable them to process your application

 

Where we need to perform the contract that Homes England (Homes and Communities Agency) is about to enter into or has entered into with you.

Where we need to perform the contract that Homes England (Homes and Communities Agency) is about to enter into or has entered into with you.

 

For Marketing purposes:

Stakeholders(i.e. Financial advisors, Solicitors, Housing Associations, Developers and Local Authorities) – we may use your contact details to provide information where you have opted in to our mailing list as a stakeholder for Help to Buy. This would be information about seminars, roadshows and general updates and also an annual stakeholder satisfaction survey. We may also contact you with advertising opportunities for our Help to Buy Guide.

 

For Low Cost Home Ownership applicants, we may contact you via email about promotional events for schemes in the area that you have expressed a direct interest in on your application

 

We may contact you with regard to being a case study for our schemes. This is purely optional on your part and we do not publish any personal data without consent. Only data such as age, occupation and general location of property would be used in a case study and only these where agreed with you.

Where you have consented to be updated

 

 

 

 

 

 

 

 

 

 

Where you have consented to receive updates.

 

 

 

Where you have consented to us using the information for a case study

 

Customer Feedback

For Equity loans we will contact you on completion to ask how the process went for you

 

For Shared Ownership we will contact you once headline eligibility has been confirmed to ask how the process has gone so far for you

 

Processing is necessary for our legitimate interests or Homes England

Enquiry Form (website)

Allows us to respond to any queries we receive from you

Processing is necessary for our legitimate interests or Homes England.

Call recording:

Calls to and from Help to Buy Midlands are recorded for training purposes and to help us to continually improve the service we offer to you. Recordings of calls may be used:

  • for staff training purposes, including the monitoring of call quality and to ensure the highest standard of delivery for our service
  • as evidence where there are disputes, or investigations concerning either our customers or staff
  • to resolve complaints regarding alleged abusive telephone calls involving either our customers or staff

 

Processing is necessary for our legitimate interests or Homes England

Where we need to perform the contract that Homes England (Homes and Communities Agency) is about to enter into or has entered into with you.

 

 

 

Who we share your data with

Sometimes we share the data we process with other organisations. This list explains who we share it with, and why.

 

Who we share data with

Purpose of sharing the data

Target (Equity loan only)

Target act as the Mortgage Administrator for your Equity Loan and need the information to fulfil the contract

Homes and Communities Agency / Homes England

We act on behalf of Homes England . For full details please click here for the Homes England Privacy Policy

For more information on this please go to:

https://www.gov.uk/government/organisations/homes-england

https://www.gov.uk/help/privacy-policy

 

Housing Associations for Shared Ownership

We provide your data to the Housing Associations you specifically notify us of on your application, or any subsequent Associations you request us to add. This is to enable them to contact you regarding potential properties for Shared Ownership

Local Authority for Shared Ownership

We provide your data to the Local Authorities you specifically notify us of on your application, or any subsequent Local Authorities you request us to add. This is to enable them to contact you regarding potential properties for Shared Ownership

Insyde software

Insyde software provide the systems for us to process your Shared Ownership application

Microsoft

Microsoft provide the systems for us to process your Equity Loan application

Innervate 

Innervate Support our use of the Microsoft system for us to process your Equity Loan application

Verseone

Manage the website and registered details for this.

 

How we store your data

Your personal data is held primarily in electronic formats.

Electronic data, including emails, is stored on servers in the European Union.

 

How long we keep your data

We are contractually required, by Homes England, to retain data for 6 years where in contract, and 7 years from the end of our contract.

Once we reach the retention period, we will securely delete the relevant data, unless we are legally required to keep it longer, or there are legal reasons why we should keep it longer.

For call recording, we retain the calls for 90 days.

Use of cookies by this site

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

The tables below explains the cookies we use and why.

First Party Cookies

Cookie

Type

Expiry

Linked Info

Functions

CFID

CFTOKEN

JSESSIONID

Persist

Persist

Session

2 hours

2 hours

Session end

Username

When a user logs in, maintains Authentication state.

VOPECRA

Persist

Never

Anonymous

Remembers when a user has elected to accept cookies.

Third Party Cookies

Cookie

Name

Type

Expiry

Functions

Google Analytics

_utma

_utmb

_utmc

_utmz

Persistent

2 years

30 mins

End of session

6 months

These cookies are used to collect information about how visitors use our websites. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

Click here for an overview of privacy at Google.

Google Translate

googtrans

Session

End of session

Stores your chosen language (if you decide to change it from English). This means that you do not have to select your chosen language every time that you load a new page.

Click here for an overview of privacy at Google.

Google Maps

PREF

NID

Persistent

6 months

These cookies are used to remember Google Maps preferences.

Click here for an overview of privacy at Google.

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit http://www.allaboutcookies.org/

To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.