Sheffield Credit Union Limited, trading as South Yorkshire Community Bank (SYCB), is committed to protecting your personal information and respecting your privacy. This notice explains how we collect, use and protect your information when you apply for membership, use our services or contact us.
Who We Are
South Yorkshire Community Bank is the trading name of Sheffield Credit Union Limited. We are responsible for deciding how and why your personal information is used.
Information We Collect
We may collect information including:
- Your name, address, date of birth and contact details.
- Identification and verification documents.
- Financial information, including bank account details and transaction history.
- Information relating to loan applications and affordability assessments.
- Information required for anti-money laundering and fraud prevention purposes.
- Records of communications, enquiries and complaints.
- CCTV images when you visit our premises.
How We Use Your Information
We use your personal information to:
- Process membership applications.
- Manage your savings and loan accounts.
- Assess credit applications.
- Verify your identity.
- Prevent fraud, money laundering and financial crime.
- Comply with legal and regulatory obligations.
- Manage complaints and resolve disputes.
- Improve our services.
- Contact you about products and services where we are permitted to do so.
Why We Are Allowed to Use Your Information
Data protection law allows us to process personal information where necessary:
- To enter into or perform a contract with you.
- To comply with our legal and regulatory obligations.
- For our legitimate business interests.
- To protect vital interests where applicable.
- Where you have given your consent, where consent is required.
Who We Share Information With
We may share information with:
- Regulatory bodies, including the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA).
- Credit reference, fraud prevention and identity verification agencies.
- Our professional advisers, auditors and insurers.
- Service providers who process information on our behalf.
- Law enforcement or other authorities where required by law.
We only share information where we have a lawful reason to do so and appropriate safeguards are in place.
How Long We Keep Information
We keep personal information only for as long as necessary for legal, regulatory and business purposes. In many cases, records relating to membership and accounts are retained for up to six years after an account is closed, although some information may be retained for longer where required by law or regulation. CCTV images are normally retained for 30 days.
Your Rights
Under data protection law, you may have the right to:
- Access the personal information we hold about you.
- Ask us to correct inaccurate information.
- Request that we delete information in certain circumstances.
- Restrict or object to certain processing.
- Receive your information in a portable format where applicable.
- Challenge decisions made solely by automated processing where applicable.
Marketing
If we send you marketing communications, you can change your preferences or opt out at any time.
Keeping Your Information Safe
We use appropriate technical and organisational security measures to protect personal information from unauthorised access, loss, misuse or disclosure.
Questions or Complaints
If you have any questions about how we use your information, or wish to exercise your data protection rights, please contact:
South Yorkshire Community Bank
35 Townhead St,
Sheffield City Centre,
Sheffield S1 2EB
Tel: 0114 276 0787
Email: admin@sycb.co.uk
If you are unhappy with how we have handled your personal information, you also have the right to complain to the Information Commissioner’s Office (ICO). See https://ico.org.uk/make-a-complaint/ or telephone 0303 123 1113.
Last updated: October 2026