As part of our services to you as a member, we may need to obtain and process personal data as required where necessary to provide our services such as (a member of our staff will explain the purpose why any information is required prior to obtaining the data):
a. Member [For each member if Joint Account]
Your name, address, Eircode, phone number [landline & mobile], email, previous addresses, Tax Identification/PPSN numbers or foreign equivalent, proof via payslip or health card, proof of address, passport or driving licence details, date of birth, evidence of marital status, signatures, CCTV, Photo ID, Member Account Number, if using online banking, user unique identifiers, biometrics-facial recognition & IP address, contactless cards, security details to protect identity, Debit Cards details, beneficial owner details, if applicable political exposed person details, Source of funds, expected monthly lodgement, confirmation of tax residence, tax identification number, account transaction details, Stamp 4/5 for non EU nationals, sanction lists (the Credit Union is required to identify if any member is listed for sanctions) interactions with Credit Union staff and officers on the premises, by phone, or email, current or past complaints, Inferred details of special categories of data e.g. payments to trade unions, confirmation of gift letter, occupation, cookie consent and marketing consent.
We may act on the authority of one joint Account Holder to share or allow a third-party access to your member account information for the provision of payment services including transaction details. This means, unless we have agreed that we need the consent of each joint Account Holder, or have a legal obligation to get this consent, we will treat the authority of one Account Holder as authorisation on behalf of any other Account Holder(s) for a joint Account. If you instruct us to share or allow a third party access to any Account information for a joint Account you are responsible for ensuring the other Account Holder(s) are aware and permit such access.
b. Additional information when applying for a loan
Financial data (including bank & credit card account information), loan repayment status and credit history, credit assessment records, credit data from credit register, judgements searches, living expenses including child care costs (if applicable), disposable income and analysis of spend, existing loan contract commitments data, details of the Credit Union products you hold with us, salary, level of education, employment status, employers name and address, period of time with employer, proof of employment & salary, any court order charges, accommodation status, family details [dependencies] mortgage details, assets and equity, Partners/Spouse banking details & earnings, details of House insurance, Life assurance policy, independent valuation on property, security hold on assets, pension details, health information for the assessment of eligibility for the insurance on certain loans.
c. Additional information when applying for a mortgage loan
Valuation Reports, Land registry folio, Certificate of Title, Life Assurance cover documents – these documents contain the following information: Name, Address, date of birth, property value, medical data, members’ solicitor name, address and contact details.
d. Additional information when applying for a loan on Spouse/Partner
Your name, address, email, telephone, Date of Birth, employment details, occupation, employment details, residential status, relationship status and dependents, financial data, Wage slips, Bank Statements, financial data, Relationship with member and Salary.
e. Additional information when applying for a loan on Dependent individuals
Relationship with member, ages, reason for dependency, financial needs.
f. Additional information captured for vulnerable members
Name of a ward of court and proof of a ward. Name and proof of power of attorney, Proof of ID, board appoint payment to another if member becomes mental incapacitated and no person has been legally appointed to administer your account.
g. Additional information captured for entrances to the members draw
Draw numbers and winner details.
h. Additional information captured for minor accounts (under the age of 16)
Parent/Guardian-Name, address, email, signature, phone number [landline & mobile], proof of ID, consent- authorisation form. Proof of ID for minors- birth certificate or passport, Debit Cards age 12 to 1, Gr8 card.