Privacy Notice

We at Croí Laighean Credit Union (CLCU) take personal privacy very seriously and take steps to ensure that your data is used and stored in a secure manner. We want you to know what we do with personal information that you and others provide to us. This statement explains how we use your data and what rights you have in relation to your personal information. This Privacy Statement should be read in conjunction with Terms and Conditions / contracts.

Who we are

Throughout this Privacy Statement ‘we’, ‘us’, ‘our’, and ‘ours’ refers to Croí Laighean Credit Union. For more information about us, see our website at www.clcu.ie

The information we collect about you

We will hold:

• Data to identify you, including contact details
• Your financial details and financial circumstances
• Your marital status
• Information about you provided by others — e.g. Joint account applicants and credit agencies;
• Information which you have consented to us using
• Other information such as telephone recordings, CCTV images, photographic ID and Health related information

Sometimes we may use your information even though you are not a member — e.g. you may be a representative of a member of ours or a potential member applying for membership.

How we collect information about you

We collect information in several ways:

• Information you give us
• Information from your use of our website and/or mobile apps, and
• Information provided to us by third parties.

How we use your information

We use and share your data where:

• You have agreed or explicitly consented to the using of your data in a specific way. You may withdraw consent at any time, where such processing is based on consent;
• Use is required in relation to a service or a contract you have entered into — e.g. the provision of financial services;
• Use is necessary because we have to comply with a legal obligation — e.g. complying with ‘Know Your Client’ obligations and reporting to regulatory authorities and law enforcement;
• Use is necessary to protect your ‘vital interests’ in certain circumstances;
• Use is for our ‘legitimate interests’, such as managing our business — e.g. managing our loan book
• To inform you of our services.

How we keep your information safe

We know that you care about how your information is used, stored, and shared. We at Croí Laighean Credit Union take appropriate measures that comply with Irish and EU Laws, including the General Data Protection Regulations. Our IT systems meet international standards of security, while physical file storage is subject to safeguards, such as secure premises and filing systems.

Use of third parties

In order that we may provide you with our services we may share your information with:

• Your authorised representatives;
• Third parties with whom we need to share your information to facilitate transactions;
• Third parties with whom you ask us to share your information;
• Third parties in relation to the recovery of debts
• Service providers who provide us with support services;
• Statutory and regulatory bodies;
• Credit reference agencies;
• Business partners

Member Personal Current Account

If we issue you a debit card, Transact Payments Malta Limited (which is an authorised e-money institution) will also be a controller of your personal data. In order for you to understand what they do with your personal data, and how to exercise your rights in respect of their processing of your personal data, you should review their privacy policy which is available at http://currentaccount.ie/files/tpl-privacy-policy.pdf.

How long we hold your data

While we do not wish to hold your information for longer than is required, we are subject to legislative and regulatory rules that we must follow. Our policy is to hold your information only for as long as is required by such rules.

Implications of not providing your data

If you do not provide information, we may not be able to provide services, or maintain services.

Your rights concerning your information

Data Protection legislation confers specific rights on individuals. This Privacy Statement is intended to inform you of these rights. Specifically:

• Right of access to your information and copies of your information
• Right to have your data rectified if found to be incorrect
• Right to be forgotten
• Right to object to a particular use of your information
• Right to restrict the use of your information, in certain circumstances

How to exercise your rights

To exercise your rights, we at Croí Laighean Credit Union have implemented a Subject Access Request process. This can be initiated by contacting our Data Protection Officer at dpo@clcu.ie or call us at: 1800 23 24 25.
Postal Address: O’Connell Square, Edenderry, Co Offaly

If we are unable to deal with your request within one calendar month, we may in certain circumstances due to the complexity of the request, extend this period by up to two further months.

You also have the right to complain to the Data Protection Commission at:

Lo-call 1890 252 231

Info@dataprotection.ie

Data Protection Commission, Canal House, Station Road, Portarlington, R32 AP23, Co Laois.