Protection of personal privacy for start-up loan and housing grant applicants
Information about how your personal data will be processed
Data controllerThe Housing Bank and the municipality have joint responsibility for processing your personal data. While you are completing the application form for a start-up loan and grant, the Housing Bank is responsible for storing and using your personal data. After you have submitted your application, the municipality is responsible for storing and using your personal data.
The municipality will store your application and other documents relating to your case in accordance with the Norwegian Archives Act.
Your data will be processed in accordance with the stipulations of Norwegian data protection legislation.
You can contact the Housing Bank’s data protection officer by e-mailing email@example.com or calling 32 26 27 94. Please note that normal e-mail is unsecured and unencrypted. We therefore recommend that you do not send confidential or sensitive information by e-mail.
After the application has been submitted, you can contact the municipality’s data protection officer.
Purpose of data processingThe purpose of processing your personal data is so that the municipality can
– access the information needed to assess your application for a start-up loan and grant
– assess the property in terms of your needs and its standard, price and value as collateral
– pay out and service your start-up loan and grant
Legal groundsYour personal data are processed in accordance with the Housing Bank Act, Section 10, which allows the Housing Bank and municipality to collect and process the data needed to assess applications for start-up loans and grants, as well as to service and verify loans/grants that have been awarded.
However, information about your health status may only be collected with your consent, except in the case of verification.
Storage of personal dataWhen you have started filling in your application, but have not yet submitted it, the Housing Bank will store your personal data for 30 days so that you can return to continue your application. Incomplete applications will be erased after 30 days.
When you submit your application, the Housing Bank will forward it to the municipality. The Housing Bank will then erase your application. The municipality will keep a copy of the application and other related documents for as long as is required by the archiving regulations.
Which personal data are collected?
The following data are automatically collected while you fill in your application:
- National Population Register (name, address, marital status and children)
- Contact Register (contact details)
- Altinn (wealth, debt and two most recent tax returns)
- State Register of Employers and Employees (current employment status)
- Housing Bank (housing allowance)
- Mapping Authority (property information)
After you have submitted your application, the municipality may collect further personal data that are relevant to the application. You can find a complete list of which information the municipality is entitled to collect when processing applications for start-up loans and grants in the Housing Bank Act, Section 10.
Rectification of personal dataWhile filling in the application form, you will see the information that has been collected automatically.
If your personal data are incorrect or inaccurate, you will have the opportunity to correct them.
You may also provide any additional information that you consider relevant to your application and that will give a better picture of your situation.
You have a right to know what information the municipality holds on you.
Deletion of informationYou may at any time delete your application before submitting it to the municipality. You may also withdraw your application after it has been submitted to the municipality.
If you withdraw your application, the municipality will stop processing it. The application will be kept in the municipal archives in accordance with the archiving regulations.
Who does the municipality share your personal data with?
- Norwegian Tax Administration: The municipality will share information with the Norwegian Tax Administration for use in your tax return
- The Housing Bank: The municipality has a duty to report to the Housing Bank on its use of funds for start-up loans and grants. This information is used for statistical and analytical purposes. It is not possible to extract information about individuals from the analytical or statistical data.
- Loan servicer: The municipality provides various pieces of information to the loan servicer so that it can obtain the necessary mortgage on the property, as well as pay out and service the start-up loan and grant. The following information is sent to the loan servicer: Information about the lender, information about the payee (agent, manager, lawyer, etc.), information about the applicant (name, personal identification number, postal address, telephone number and e-mail address), information about the financing of, and collateral for, loans and grants, information about the property (completion date, address, purchase price, type of ownership, etc.) and information about the mortgagees.
Processing of personal data for statistical, analytical and research purposes and error correction
The Housing Bank Act, Section 12 allows the Housing Bank to use your personal data for:
- statistical and analytical purposes
- testing, error detecting and error correction in the Housing Bank’s digital processing system
As the Data Controller, the Housing Bank decides which information Google Analytics can collect about how our services are used.
Google Analytics can estimate your approximate geographic location, but this information cannot be used to identify you. Google Analytics receives general Internet statistics about things like the time, language, type of device, browser, etc. The information that is collected is anonymised and cannot be traced back to you.