Tees Credit Union is now part of Moneywise Credit Union Ltd.

At Moneywise we are committed to protecting your privacy and we have updated our Privacy Policy to reflect upcoming changes in data protection law and to better explain how and why we collect your personal information. Moneywise Credit Union recognises individual concerns about how your personal or financial information is dealt with by us. This privacy notice sets out how we deal with this information and how and when it may be shared with others. We may change this notice at any time in the future.

It applies to information we collect about:

  • People who apply for and use our products and services, e.g. current members, local tenants and other customers
  • Other people we deal with in the course of delivering our services, e.g. local authorities, registered social landlords, private landlords
  • Job applicants and our current and former employees
  • Visitors to our website


People who apply for and use our services

We have to hold your details to allow us to process your application or request for services, and then to provide them and ensure that we are able to carry out our responsibilities.

For example, as a member, we will hold the details which we obtain from you at the outset of your membership and records concerning share deposits and loan repayments, your conduct in relation to your membership

This information will be retained once we stop providing services to you for so long as it is considered necessary. Any staff employed by us or organisations and people working on our behalf may have access to this information.

There are other types of information that apply in special cases, including:

  • Health and care details
  • Other agencies that may be helping you
  • Complaints
  • Records of anti-social behaviour or criminal activities
  • County court judgements
  • Insolvency services

Most of the above information we hold concerning you comes directly from you, as we get most of it from your application form, or other forms we ask you to fill in, or when you contact us. We will often give you more details about how we will use your information on documents we ask you to complete or sign, or when we write to you.

We may use your details to provide you with information about other services which may be of interest to you and we may contact you about these by post or telephone.

We may contact you by electronic means (e.g. email, text) only if you have provided us with your electronic contact details for this purpose.

Credit reference and fraud prevention agencies

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 our booklet 'A Guide to the use of your personal data by Moneywise Credit Union Ltd and Credit Reference and Fraud Prevention Agencies'

Job applicants, current and former employees

When individuals apply to work at Moneywise Credit Union, we will only use the information they supply to us to process their application and to monitor recruitment statistics. Where we want to disclose information to a third party, for example where we want to take up a reference or obtain a ‘disclosure’ from the Disclosure and Barring Service we will not do so without informing them beforehand unless the disclosure is required by law.

Personal information about unsuccessful candidates will be held for 12 months after the recruitment exercise has been completed, it will then be destroyed or deleted. We retain statistical information about applicants to help inform our recruitment activities, but no individuals are identifiable from that data.

Once a person has taken up employment with Moneywise Credit Union, we will compile a file relating to their employment. The information contained in this will be kept secure and will only be used for purposes directly relevant to that person’s employment. Once their employment with Moneywise Credit Union has ended, we will retain the file in accordance with the requirements of our retention schedule and then delete it.

Visitors to our website

When someone visits www.teescreditunion.co.uk or any other website run by Tees Credit Union, we collect standard internet log information and details of visitor behaviour patterns. We do this to find out things such as the number of visitors to the various parts of the site. We collect this information in a way which does not identify anyone. We do not make any attempt to find out the identities of those visiting our websites. We will not associate any data gathered from this site with any personally identifying information from any source. If we do want to collect personally identifiable information through our website, we will be up front about this. We will make it clear when we collect personal information and will explain what we intend to do with it.

Use of cookies by Moneywise Credit Union

Our website uses cookies to distinguish you from other users of our website this helps us to provide you with a good experience when you browse our website and also allows us to improve our site. Please see our privacy notice for an explanation of these cookies. 

What is a cookie?

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.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience.

They can also help to ensure that adverts you see online are more relevant to you and your interests. The cookies used on this website have been categorised based on the categories found in the ICC UK Cookie guide. A list of all the cookies used on this website by category is set out below, with a note as to whether we use them; and then some details of the actual cookies on the site, their purpose, and what to do if you do not consent to any specific cookies being used.

Please note however that since we only use cookies where they will be of benefit, any failure to consent may limit your use of this site.


Category 1: Strictly necessary cookies:

These cookies enable services you have specifically asked for.

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like shopping baskets or e-billing, cannot be provided.


Category 2: Performance Cookies:

These cookies collect anonymous information on the pages visited.

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

By using our website, you agree that we can place these types of cookies on your device.

Category 3: Functionality Cookies:

These cookies remember choices you make to improve your experience.

These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more

personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you

are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can

customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies

collect may be anonymised and they cannot track your browsing activity on other websites.

By using our website, you agree that we can place these types of cookies on your device.