This policy relates to the collection, storage and use of your personal information through the Jersey Home Loans website at www.jerseyhomeloans.com ("our site"). Jersey Home Loans ("JHL", "we" or "us") is committed to keeping your personal information private.

About Jersey Home Loans

Jersey Home Loans and JHL are trading names of Jersey Home Loans Limited, a company registered in the Island of Jersey (Company number 86636), whose registered office is 26 New Street, St Helier, Jersey, Channel Islands JE2 3RA.

Jersey Home Loans Limited is a wholly owned subsidiary of OneSavings Bank Plc, a company registered in England and Wales (Company Number 7312896) and whose registered office is Reliance House, Sun Pier, Chatham, Kent ME4 4ET. OneSavings Bank Plc is authorised and regulated by the Financial Services Authority in England (No. 530504).

Jersey Home Loans Limited is registered under the Companies (Jersey) Law 1991 (as amended). However, we do not conduct any regulated activity in Jersey and are therefore not subject to regulation by the Jersey Financial Services Commission for the conduct of our business. We are a subscriber to the Jersey Code of Practice for Consumer Lending and we ensure, as far as possible, that we follow the standards of good lending practice set out in the Code of Practice. Please note that the rules of the UK Financial Services Authority, the UK Consumer Credit Act and the UK Compensation Scheme do not apply to Jersey Home Loans Limited and its business.

We respect your right to privacy. If you have any questions about how we use your information, then please write to the Head of Compliance, Jersey Home Loans, PO Box 174, Chatham, Kent, United Kingdom, ME4 4WG or email us at enquiries@jerseyhomeloans.com.

Information we may collect from you

As a visitor to our site, we may collect and process any personal information that you voluntarily submit to us through the site. This may include, for example, online correspondence that you send to us about our products and services, as well as your contact details so that we may contact you for support, marketing or other purposes.

In addition, we may also collect anonymous information about visitors to our site and the resources that they access, so that we can make sure the site is meeting our and our customers' needs. This information will not enable any visitor to be identified as an individual, however.

How we use information about visitors to our site

We will use your information to make the site available to you and to provide you with the products and services that you request. We may also use your information to deal with any enquiries and requests that you submit through our site and to improve the quality of our products and services. From time to time, we may use and disclose your information for marketing purposes where your marketing preferences permit us to do so.

How we use information about our customers

If you are a customer of JHL or have applied for one or more of our products or services, then we will also hold and use your information for the additional purposes disclosed to you within the application forms and/or terms and conditions applicable to the products and services for which you applied.

Who may access your information

We may share your information with our related entities and service providers acting on our behalf in connection with the purposes described in this policy, including OneSavings Bank Plc ("krbs") and Kent Reliance Provident Society Limited ("krps"), a subsidiary of krbs or krps, or a company treated as a subsidiary of krbs or krps (the "Kent Reliance Group").

We may also disclose your details where required to do so by law, as well as to any successors in title to our business. Finally, we may share your information with third parties (including law enforcement agencies) to protect both ourselves and our customers against theft or fraud, and with anyone you appoint to administer/operate your account on your behalf.

Security

We use appropriate technical and organisational security measures to protect the information we collect and process about you. Please note, however, that no Internet transmission can ever be guaranteed 100% secure. We recommend that you install, use and maintain up-to-date anti-virus, firewall and anti-spyware software on your computer to better protect yourself.

International transfers

From time to time, we may transfer your information to service providers or to Kent Reliance Group businesses that are based in territories located outside of Jersey and the European Economic Area ("EEA"). We will only transfer your information to recipients outside of Jersey and the EEA for the purposes described in this privacy policy.

Whilst the laws of some territories outside of Jersey and the EEA offer lower standards of data protection than Jersey, JHL has taken measures to ensure that your information will only ever be used and protected in accordance with this privacy policy and the Data Protection (Jersey) Law 2005 (the "Data Protection Law").

Use of Cookies

Cookies are small text files that web servers can store on your computer's hard drive when you visit a website. They allow the server to recognise you when you revisit the website and to tailor your web browsing experience to your specific needs and interests, and help to maintain your security when you log into our secure services.

We may use cookies to:

  • Gather customer journey information across our site;
  • Temporarily store details input into our tools and demonstrations;
  • Store details of your marketing preferences and enhance your journey through our site; and
  • Evaluate our site advertising and promotional effectiveness.

You have the right to disable or delete cookies. As the means by which you can do this varies from browser to browser, please follow the instructions provided by the specific browser you use (usually located under the "Help", "Tools" or "Edit" menu). Alternatively, an external resource is available at www.allaboutcookies.org/manage-cookies providing specific information about cookies and how to manage them to suit your preferences.

Links to third party sites

Our site may, from time to time, contain links to and from third party websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal information to these websites.

Your rights

The Data Protection Law gives you certain rights to access, update and control the information we hold about you. In particular, you have the right:

  • To request a copy of the personal information that we hold about you. Any such request may be subject to a fee specified by law (currently not more than £10) in respect of our costs in providing you with details of the information we hold about you;
  • To correct or update inaccurate or out-of-date personal information that we hold about you; and
  • To instruct us not to send you any further marketing communications (even if you have previously asked us to contact you for marketing purposes).

If you wish to exercise any of the above rights, please contact us using the details provided above.

Complaints procedure

In accordance with the Jersey Code of Practice for Consumer Lending, JHL has a formal complaints policy and would look to deal with any complaint in a fair, swift and constructive manner. If you have a complaint regarding JHL then please contact us using the details provided above.

Changes to our privacy policy

We may change this privacy policy from time to time. Any changes we may make in the future will be posted on this page and we recommend that you revisit this page from time to time to stay informed about how we use your information.

This privacy policy was last updated on 1 February 2011.