Use of Your Information- Data Protection a) The Bank will search the Cardholder’s record at one or more registered Credit Reference Bureaus to assist in deciding whether to enter into this and any future agreement with the Cardholder including consideration of any changes to the Cardholders Credit Limit. A record of the Bank’s search will be made, and this may be available to other organisations that make similar searches. This may impact the Cardholder’s ability to obtain credit elsewhere for a short period of time. Information held about the Cardholder by the Credit Reference Bureaus may already be linked to records relating to any person with whom the Cardholder has previously had a financial connection with (“connected person”). For the purposes of this Agreement the Cardholder may be treated as financially linked to such connected person and the Cardholder’s application assessed with reference to any associated records.
Use of Your Information- Data Protection. 21.1 Considering your application The Card is issued by Bank of Ireland (UK) plc (“Bank”, “we” or “us”). Both Bank of Ireland (UK) plc and Post Office Limited are data controllers. To help us decide whether to enter into this and any future agreement with you including consideration of any changes to your Credit Limit, we will search your record at one or more of our Credit Reference Agencies. They will provide us with information, including information from the electoral register. A record of our search will be made and this will be available to other organisations that make similar searches. This may impact on your ability to obtain credit elsewhere for a short period of time. Information held about you by the Credit Reference Agencies may already be linked to records relating to any person with whom you have previously stated there is a financial association (“associated person”). For the purposes of this Agreement/application you may be treated as financially linked to such associated person(s) and your application assessed with reference to any “associated” records. If you are a joint applicant or if you have told us about an associated person as part of this application, you must be sure that you are entitled to: (i) disclose information about your joint applicant and such associated person, and (ii) authorise us to search, link or record information about you and such associated person at any or all Credit Reference Agencies. Any information about an associated person which you disclose to us will be recorded by the Credit Reference Agencies. This will link your financial records including other names and addresses used by you and such associated person. In future applications by either or both of you, each of these financial records will be taken into account and this process will continue until one of you successfully files a disassociation at the Credit Reference Agencies. We may also use information we gain from your performance of any other agreement you have with us or any Bank of Ireland Group company. We may also use a credit scoring system or other automated decision making system. Any information we hold about you or an associated person may be used for statistical analysis (whether an application is refused or declined).
Use of Your Information- Data Protection a) The Bank will search the Cardholder’s record at one or more registered Credit Reference Bureaus to assist in deciding whether to enter this and any future agreement with the Cardholder including consideration of any changes to the Cardholders Credit Limit. A record of the Bank’s search will be made, and this may be available to other organisations that make similar searches. This may impact the Cardholder’s ability to obtain credit elsewhere for a short period of time. Information held about the Cardholder by the Credit Reference Bureaus may already be linked to records relating to any person with whom the Cardholder has previously had a financial connection with (“connected person”). For the purposes of this Agreement the Cardholder may be treated as financially linked to such connected person and the Cardholder’s application assessed with reference to any associated records. The Bank may use information gained from the Cardholder’s performance of any other agreement the Cardholder has with the Bank or any of the Bank’s group companies. The Bank may also use a credit scoring system or other automated decision-making system. Any information the Bank holds about the Cardholder or an applicant for a Card or an associated person may be used for statistical analysis (whether an application is refused or declined).
