Protection of personal privacy for start-up loan and housing grant applicants
We store the personal information you provide securely in accordance with legal requirements. We use the information to process your application, produce anonymous statistics, and report to the tax authorities. Data protection legislation refers to this as the processing of personal data.
The 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 emailing personvernombudet@husbanken.no or calling 32 26 27 94. Please note that normal email 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.
If you start an application but do not submit it, the Housing Bank will store the information you have entered for up to 30 days. This allows you to return and complete your application at a later time. Incomplete applications are deleted after 30 days.
Once you submit your application, it is deleted from the Housing Bank's systems and transferred to your municipality for processing. Your municipality will retain your application and any supporting documents for as long as required under the applicable archive legislation.
The 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
Your 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.
The Housing Bank also uses your personal data to:
- produce statistics and analyses
- carry out research
- test, identify and correct errors in the Housing Bank's digital case management system
However, we will only collect information about your health if you have given your consent, unless the information is required as part of a compliance check.
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)
- Norwegian Tax Administration (wealth, debt and two most recent tax returns)
- State Register of Employers and Employees (current employment status)
- Housing Bank (housing allowance)
- Norwegian 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.
As you complete the application form, you will be able to see the information that has been collected automatically. If any of your personal data is incorrect or inaccurate, you can correct it.
You can also provide any additional information that you believe is relevant to your application and will help give a more complete picture of your circumstances.
You have the right to request access to the personal data your municipality holds about you at any time.
You 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.
Read the privacy notice on your municipality's website, or contact your municipality directly.
The Housing Bank uses the analytics tool Matomo to collect information about how you use our services through cookies. You can disable cookies in your web browser at any time.
As the data controller, the Housing Bank decides what information Matomo may collect about the use of our services. The analytics tool can estimate your approximate geographic location, but this information cannot be used to identify you.
Matomo, as a company, does not collect or store your data. All data remains with the Housing Bank. We receive aggregated website statistics, such as the time of your visit, your language, information about your device and browser, and similar technical information.