Credit Union and your personal information
From 25th May 2018 new rules will govern how we collect, use and store your personal information.
Why we use your personal information:
In order to offer you the services of a credit union such as loans, savings and draws, we are required by the Central Bank, and laws such as the Credit Union Act from 1997, to gather essential information to help identify you, communicate with you and keep your money safe. This information includes your name, address, PPS number as well as other information such as a photograph. From time to time we will ask for identification evidence to ensure your data remains secure.
Sharing your information
We only share your information outside of the business under certain strict circumstances. These are either when we are required to do so by law, such as when a crime is committed or in accordance with other legal obligations; under contract, for example with our ICT service provider who will be under the strict rules of the contract; with your consent, we may use third party providers to distribute marketing materials to the membership but only with your consent, these providers are also subject to a strict contract.
All personal information provided by you is securely stored using controls to limit who can access it. Whether on paper or on our computer systems, we use tools such as encryption, CCTV, alarms and locks to keep it safe. Staff members also receive regular training to help protect your information.
The Credit Union will keep the information you have provided only for as long as it is necessary to carry out the functions we provide to members. The length of time is based upon legal obligations that the Credit Union must adhere to, best practice and what are called the legitimate needs of the Credit Union. We aim to hold it for as short a time as possible before securely destroying it.
We use CCTV to protect the well-being of our staff & visitors to our premises while protecting against fraud. It operates 24 hours a day inside and outside the building. We use signs to let you know it is in use.
You are free to ask what information of yours we have, where we got it from, and how we use it including how long we keep it for. We will also tell you whether we have shared it with anyone and why as well as providing you with a copy. All we need is that you fill in a short form at the counter or write to us at the address below and we will provide you with your information within one month.
For more details about what we do with your information and your rights please ask to see our detailed Data Protection Notice at the counter or see it on our website. You can always ask to speak with our Data Protection Officer who is also here to help you.
If you are unhappy:
If you think we have done something wrong you can either write to the Credit Union’s Data Protection Officer at the address below or contact the staff at the Office of the Data Protection Commissioner who are there to defend your rights. Their website spells out these rights in full.
Office of the Data Protection Commissioner
Telephone: +353 (0)761 104 800
Fax: +353 57 868 4757
21 Fitzwilliam Square,
Dublin 2, D02 RD28
Credit Union DPO
Data Protection Officer,
Carlow District Credit Union Ltd.,
Credit Union House,