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.
b) 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).
c) The Cardholder agrees and confirms that the Bank may disclose any information in the possession of the Bank relating to the Cardholder and the Cardholder's Card Account to any and all agents used by the Bank in the course of the operation of the Card Including but not limited to agents appointed by the Bank to manage the Card.
d) The Bank shall add to Cardholder’s record with Credit Reference Bureau (CRB) by giving information relating to this Agreement and information about the Cardholder’s repayment record. We will also notify them of any default and any change of address you fail to inform us about where any payment is overdue.
e) A Cardholder’s personal data will additionally be processed, transferred and disclosed by the Bank and/ or any of the Bank’s group companies in connection with the following Purposes:
i. the provision of Services and to approve, manage, administer or effect any transactions that you request or authorize;
ii. meeting Compliance Obligations;
iii. detection, investigation and prevention of financial crime;
iv. collecting any amounts due and outstanding from the Cardholder;
v. enforcing or defending the Bank’s ...
Use of Your Information- Data Protection. 21.1 Considering your application
21.2 Use and disclosure of your information
(i) to check details on applications for credit and credit related services or other facilities;
(ii) to verify your identity;
(iii) to trace debtors or, recover debt;
(iv) to manage credit and credit related accounts or facilities and administer your Account;
(v) to check details on proposals and claims for all types of insurance;
(vi) to check details of job applicants and employees;
(vii) to carry out statistical analysis and market research; and
(viii) to develop and improve the products and services we provide and make available. This information will also be shared with Post Office Ltd so that they may carry out statistical research and analysis, compliance and regulatory reporting and administration of the Card. If you want to receive details of those fraud prevention agencies from whom we obtain and with whom we record information about you, please write to us at Post Office Money Credit Cards, Fraud Prevention Unit, PO Box 52746, London EC4P 4WP. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. Ageas Insurance Limited is the data controller in respect of personal data held by them which are relevant to the insurance provided. We may make and keep copies of your passport, driving licence or other proof of your identity that you provide.
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”) who is the data controller. 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).
21.2 Use and disclosure of your information We will add to your record with the Credit Reference Agencies by giving information relating to your Agreement and information about how you manage your Account and your repayment record. We will also tell them of any default ...
