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Data Protection and Confidentiality Agreement

STEP 1 of 7


Use of Data

Before sending any information, you must read through our Data Protection Information below and click the Next button.

Data protection – using your information

Important information about you and us, Bank of Ireland UK

Bank of Ireland UK is a member of the Bank of Ireland Group. In this statement, ‘our group’ means the Governor and Company of the Bank of Ireland and any of our subsidiary or associated companies. For a full list of our group, write to us at the address below. We may hold your information and it may be used by any other member of our group.

Considering your application

To help us decide whether to enter into this and any future agreement with you, we may use:

  • any information you have given us;
  • information we already hold about you;
  • information we receive from enquiries we make about you; and
  • information we get from other dealings with us or our group.

We may make and keep copies of your passport, driving licence or other proof of your identity that you provide.

We may also search your record held by credit reference agencies or ask them to make enquiries for us. We may give credit reference agencies the information they need to make their enquiries. The credit reference agencies will keep a record of our search, whether or not your application goes ahead. This record will be available to other organisations that make similar searches and could affect your ability to get credit elsewhere for a short period of time.

Information the credit reference agencies hold about you may already be linked to records relating to other people. (This is called an ‘association’.) You may be considered to be financially linked to these people and we may consider their credit records when considering your application.

If you are providing information on behalf of others within your business, you are applying for credit with someone else, or you have told us about a financial link with another person, you must be sure that you are entitled to:

  • release information about that other person and anyone else you have referred to; and
  • authorise us to search, link or record information about you (and anyone you have referred to) at credit reference agencies.

Credit reference agencies will create a link between your credit records and those of any person you have said that you have a financial relationship with. When you or the people you have a financial relationship with apply for credit in the future, both your and their credit records will be taken into account. This process will continue until one of you tells the credit reference agencies that there is no longer a financial link. We may also use a credit-scoring system or other automated system for making a decision.

Using and sharing your personal information

We will add to your record with the Credit Reference Agencies by giving information relating to your Agreement and information about how you manage your account and your repayment record. We will also tell them of any default and any change of address you fail to tell us about where any payment is overdue. It is important that you give us accurate information. We will check your details with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

The information we obtain will be shared with and cross-checked by other businesses, including Bank of Ireland Group companies, other lenders, fraud prevention agencies, companies or other bodies which maintain registers of assets and interests in them, any insurers, third parties engaged by us and anyone who introduced you to us. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

  • checking details on applications for credit and credit related or other facilities
  • verifying your identity
  • tracing debtors, recovering debt
  • managing credit and credit related accounts or facilities and administer your Account
  • checking details on proposals and claims for all types of insurance
  • checking details of job applicants and employees
  • carrying out statistical analysis and market research, and
  • developing and improving the products and services we provide and make available.

This information will also be shared with Bank of Ireland Group companies (“the Companies”) so that they may carry out statistical research and analysis, compliance and regulatory reporting and administration of the Account. Please contact us at Bank of Ireland, Group Financial Crime Unit, Lower Ground Floor, Mespil Road, Dublin 4 if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies.

We may make and keep copies of your passport, driving licence or other proof of your identity that you provide.

We may require and hold details of your tax residency and tax reference number(s) to enable us to comply with UK legislation relating to any inter-governmental agreements to share tax information that the UK government may agree.

Using and sharing your business information

We may also search the records of business data held by credit reference agencies and give them information about your business accounts. Business data held by the credit reference agencies may be shared with other organisations authorised by your business.

Direct marketing

We may use your information to help us identify products and services which may be of interest to you and may contact you from time to time. We may also give information about you to:

  • our group; and
  • any other person or company we choose from time to time, so that they can use it for similar purposes.

We may contact you by post, phone, e-mail, fax and in any other way. Please note that if you have other accounts with our group and/or have, at any time, provided marketing preferences different to those provided in this application, you may receive marketing information in accordance with the earlier preferences.

You can stop us from contacting you or giving your details to others for marketing purposes.

To do this write to:

Bank of Ireland UK
Marketing Department
1 Donegall Square South

(This may mean that you will not receive information about extra benefits available to our customers.)

Transferring your information abroad

From time to time we may transfer information about you to previously approved companies or people based outside the European Economic Area. We will only do so if the person or company agree to give your information the protection we would have to give it in the UK and to act on our instructions.

Sensitive information

You may have given us information about your nationality or about any disability you may have. If you give us details of your nationality, we may use it for validation of your identity, research and statistical purposes and to comply with our legal obligations. If you give us details of any disability, we will only use it to provide any support you need.

Your right to information

You have a legal right to receive a copy of the information we hold about you. To see this information, write to:

Bank of Ireland UK,
Regional Office NI,
8th floor,
1 Donegall Square South,
Belfast, BT1 5LR

You must pay a fee before we provide the information. We will tell you the current fee when you write to us.

If you have read through the Data Protection information above, click on the Next button to proceed.

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