Privacy Notice of Castleblayney Credit Union Limited - Lending
A credit union is a member-owned financial cooperative, democratically controlled by its members, and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members. Data collection, processing and use are conducted for the purpose of facilitating the abovementioned objectives. This notice is so that we provide you with information around the use of your data for lending or lending related purposes.
Our contact details are:
Address: Credit Union House, Main Street, Castleblayney, Co. Monaghan
Phone: 042 974 0393
Email: info@castlebleblayney.cumail.ie
Data Protection Officer Contact: 042 974 0393
Castleblayney Credit Union is committed to protecting the privacy and security of your personal data. This privacy notice describes how we collect and use personal data about you during and after your relationship with us.
We may collect, store, and use the following categories of personal data about you:
Your name, address, date of birth, email, telephone financial data, status and history, transaction data; contract data, details of the credit union products you hold with us, signatures, identification documents, salary, occupation, accommodation status, mortgage details, previous addresses, spouse, partners, nominations, Tax Identification/PPSN numbers, passport details, interactions with credit union staff and officers on the premises, by phone, or email, current or past complaints, CCTV footage, telephone voice recordings.
The credit union will use your personal data to assist it in carrying out the following:
Assessing your loan application and determining your creditworthiness for a loan.
Verifying the information provided by you in the application.
We are obliged to purchase loan protection and life savings protection from ECCU
Conducting credit searches and making submissions to Irish Credit Bureau and the Central Credit Register.
Administering the loan, including where necessary, to take steps to recover the loan or enforce any security taken as part of the loan.
We may use credit scoring techniques and other automated decision making systems to either partially or fully assess your application.
Meeting legal and compliance obligations and requirements under the Rules of the Credit Union.
I co comply with Central Bank Regulations to determine whether you are a connected borrower or related party borrower.
Providing updates on our loan products and services by way of directly marketing to you.
We may also collect, store and use the following “special categories” of more sensitive personal data:
We need all the categories of information in the list above to allow us to; identify you and contact you and in order that we perform our contract with you.
We also need your personal identification data to enable us to comply with legal obligations. Some of the above grounds for processing will overlap and there may be several grounds which justify our use of your personal data.