A member of staff from the Credit Union may contact the person identified in this application by phone, text or email in connection with it.

In order to process your application, we will share your personal data with third parties who perform important functions for us. We are also required to cooperate by law with Irish regulatory or enforcement bodies. The details provided in this application form together with any other information that is furnished to us in connection with this application will be retained and processed by the Credit Union in accordance with the Privacy Notice. We note that some of the processing may include sensitive Personal Data belonging to you, such as data about your health, the processing of which requires your explicit consent

It is a necessary condition of a credit application that satisfactory credit checks and assessments be conducted by the Credit Union. These will include checks with the Central Credit Register and/or the Irish Credit Bureau DAC or other credit reference agencies.

Following the introduction of the General Data Protection Regulation (‘GDPR’), Irish Credit Bureau DAC will be using Legitimate Interests (GDPR Article 6 (f)) as the legal basis for processing of your personal and credit information. These legitimate interests are promoting greater financial stability by supporting a full and accurate assessment of loan applications, aiding in the avoidance of over-indebtedness, assisting in lowering the cost of credit, complying with and supporting compliance with legal and regulatory requirements, enabling more consistent, faster decision-making in the provision of credit and assisting in fraud prevention.
ICB’s Fair Processing Notice is available at http://www.icb.ie/pdf/Fair Processing Notice.pdf. It documents who they are, what they do, details of their Data Protection Officer, how they get the data, why they take it, what personal data they hold, what they do with it, how long they retain it, who they share it with, what entitles them to process the data (legitimate interests), what happens if your data is inaccurate and your rights i.e. right to information, right of access, right to complain, right to object, right to restrict, right to request erasure and right to request correction of your personal information.

Additional credit verifications and assessments
Where relevant details are provided as part of the application, checks may also be made with employers or accountants to verify the information provided relating to salary or income.

Under the Credit Reporting Act 2013 lenders are required to provide personal credit information for credit applications and credit agreements of €500 and above to the Central Credit Register. This Information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.

The Central Credit Register is owned and operated by the Central Bank of Ireland. For more information please see: www.centralcreditregister.ie