Owning your home - Riverside

Owning your home.

We use your information to help purchase or sell your home and to demonstrate to our regulators and funders that we are meeting our legal obligations.

Home ownership and sales
Right to buy and acquire

Home ownership and sales

Home ownership and sales

Our purpose(s) for processing and lawful basis

Riverside, and in particular Riverside Home Ownership and Prospect Homes, will process your data to develop, promote and sell our private and shared ownership properties. This includes acquiring further percentages of joint/shared ownership properties.

We will also use your data for marketing purposes where you have consented to this, or where we have a legitimate interest to do so following an enquiry or expression of interest.

The legal bases which apply to the processing described above are:

Where we need to take measures to enter into and then perform a contract we have entered into with you (provision of services set out in a tenancy or leasehold agreement)
Where we need to comply with legal obligations (e.g. housing regulations, health and safety, safeguarding, fraud investigation);

We may also use your sensitive personal data under the following legal bases:

Where we have your consent
Where the processing is necessary in the public interest, including the monitoring of diversity and equality where we work with local authorities and monitoring equality of opportunity or treatment (where the data isn’t used to make decisions on particular individuals)
Where the processing is necessary for the establishment, exercise, or defence of legal claims

How we use your information

To maintain records of those who have enquired or expressed an interest in private or shared home ownership
To contact you following an enquiry or expression of interest, or to keep you informed of current and upcoming developments
To verify your identity in line with our legal obligations for fraud prevention
Managing property sales, reservations, and acquisition of further percentages of joint/shared ownership properties (staircasing)
To demonstrate to our regulators that we are meeting our legal obligations
To demonstrate to our funders that we are meeting our legal obligations
For the purposes outlined in the equality and diversity section of this notice
For the purposes outlined in the surveys section of this notice
For the prevention and detection of crime

In order to determine affordability and/or eligibility for the purchase of a shared ownership property, we may use systems which have been configured to employ pre-defined criteria to make automated decisions. You have the right to contest such decisions where they were made automatically without human review or involvement.

Who we may share your information with

We have legal obligations to share your information with the following parties:

National House Building Council (NHBC) to administer its NHBC Buildmark warranty and insurance product (Buildmark Policy) and provide personalised details of the Buildmark policy to you as the homeowner
Local authorities who are responsible for administering your council tax
Relevant authorities, including HM Revenue and Customs and the Department for Work and Pensions
Any organisation exercising a statutory function (e.g Local health authorities, Social Services)

We may also share your information with:

Solicitors and mortgage advisors, where they have been instructed in relation to the sale or purchase of a property
Utility companies and their representatives to ensure property addresses and billing details are accurate
Local authorities Environmental Health departments to provide our communities with better environments

How long we will keep it

Registrations of interest – 2 years after the sale of the property
New Sales applications – 6 years after your offer has been accepted
Offer Details – 6 years after your offer has been accepted
Help to Buy applications – 6 years after your offer has been accepted
Resales (Shared Ownership) – 6 years after your offer has been accepted
Staircasing process documents – 12 years from completion of sale
Completion documentation – 12 years from completion of sale
Post purchase questionnaire/ customer feedback – 3 years from date of creation

Right to buy and acquire

Right to buy and acquire

Our purpose(s) for processing and lawful basis

Right to buy

Most Riverside tenants do not currently have the Right to Buy their property. The exception to this is that, if you were a secure council tenant and were living in your home when it was transferred from your council to Riverside, then you may have a ‘preserved’ Right to Buy. This only applies if you were living in your home when it was transferred.

Right to Acquire

You may be eligible for Right to Acquire if you have been a customer of Riverside for 3 years or more, your home was built or bought by us after 31^st March 1997 and funded through a grant provided by the Housing Corporation or local council or if it was transferred from a local council to a Riverside after 31 March 1997.

If you make an application to purchase a property under either of these schemes, we will process your information to determine your eligibility and progress your application to completion.