Data Protection Notice - How We Use Your Information
In this notice, ‘we’, ‘us’ and ‘our’ refers to AIB Group (UK) p.l.c. which includes Allied Irish Bank (GB), Allied Irish Bank (GB) Savings Direct, First Trust Bank and AIB Group which refers to Allied Irish Banks, p.l.c., its subsidiaries, affiliates and their respective parent and subsidiary companies. For more information about our group of companies, please visit www.aibgroup.com.
This notice explains what we will do with your information, so that you can decide whether or not to provide that information to us. It is important that you read it carefully. The personal information requested from you is required to enable us to effectively provide or administer a product or service to you. Failure to supply us with sufficient information may result in us not being able to provide or meet your product/service needs. The information that you provide may be held by us on a computer database and/or in any other way and will be treated confidentially.
1. Disclosure of Information:
Information we hold about you will not be disclosed to anyone, outside of AIB Group, other than:
||If we are required by law to give the information.
||Where we have a public duty to disclose information.
||Where disclosure is required for our legitimate business interests.
||Where disclosure is made with your consent.
We may use this information in the following ways:
2. Products and Services
||To administer the products and services that we supply to you and any future agreements that we may have with you, and to manage and develop our relationship with you.
||For direct marketing purposes; to advise you of products or services, where you have given your permission to us through your marketing choices.
3. Credit Scoring and Credit Reference Agencies:
||We may use automated credit scoring methods to assess your application. Credit scoring takes into account information provided directly by you, any information we may hold about you, and any information we may obtain from other organisations.
||We will verify the identity and address of all applicants, including through the use of Electronic Identification. We may also carry out additional verification checks throughout the lifetime of your agreement.
||To carry out searches (including verifying your identity and/or a credit search) and disclose information to credit reference agencies for the purpose of assessing applications for credit and credit related services and for ongoing review of credit. Credit reference agencies will record details of each type of search we make, whether or not your application proceeds. We may use credit scoring techniques and other automated decision making systems to either partially or fully assess your application.
||Whether you borrow money from us or not, we may regularly give credit reference agencies details of your account and how you use it, including in certain circumstances, details of any payments you have failed to make. These details may include your account balance, credit limit and any arrears. Credit reference agencies may make this information available to other organisations so that they can take decisions about you and your associates.
||In relation to joint applications; a ‘financial association’ may be created between applicants at the credit reference agencies. This association may be considered in future applications by us and other financial institutions.
||Please be aware that the presence of several credit searches on your record with a credit reference agency may affect your ability to obtain credit elsewhere for a short period of time.
||To review your financial position across AIB Group, including debit and credit balances and security for credit facilities.
4. Other Third Parties:
||To provide your personal details to debt collection agencies, tracing agencies, and/or third party processors and contractors, who act on behalf of us, if it is necessary for the performance of a contract and/or to protect the legitimate interests of AIB. The third parties will not be allowed to use your information for anything else.
||To whom we transfer, or may transfer any of our rights or obligations under any contract with you.
5. Financial Crime Prevention:
To prevent and detect fraud, money laundering or other criminal activity; and to trace those responsible.
||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.
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.
- Managing credit and credit related accounts or facilities.
- Recovering debt.
- Checking details on proposals and claims for all types of insurance.
- Checking details of job applicants and employees.
||We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
||If other criminal activity is identified, details will be passed to the relevant authorities.
6. Market Research:
To carry out statistical analysis and market research, or to instruct a third party to perform this on our behalf.
7. Security and Service Improvement:
We may record telephone conversations for additional security, to help resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.
||Under the Data Protection Act 1998 you have the right of access to personal information we hold about you on our records for a nominal fee (currently £10.00). You can exercise this right by writing to the Data Protection Unit, AIB Group (UK) p.l.c., First Trust Centre, 92 Ann Street, Belfast, BT1 3HH.
||If any of your personal information held by us is inaccurate or incorrect, please let us know and we will correct it. There is no fee for such corrections.
If you want details of the Credit Reference Agencies, Fraud Prevention Agencies, Debt Collection Agencies or other third parties we use, please contact us.
||If you decide to proceed with this product/service or have any other communication with us through or in relation to our products and services, you consent to the use by us of your personal data as indicated above.