Tallaght West Credit Union Limited – Privacy Statement
Your Rights in connection with your personal data are to:
|To find out whether we hold any of your personal data and if we do to request access to that data that to be furnished a copy of that data. You are also entitled to request further information about the processing.|
|Request correction of the personal data that we hold about you at point of first communication. This enables you to have any incomplete or inaccurate information we hold about you rectified.|
|Request erasure of your personal information. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have exercised your right to object to processing (see below).|
|Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal data for direct marketing purposes.|
|Request the restriction of processing of your personal information. You can ask us to suspend processing personal data about you, in certain circumstances.|
|Where we are processing your data based solely on your consent you have a right to withdraw that consent at any time and free of charge.|
|Request that we: a) provide you with a copy of any relevant personal data in a reusable format; or b) request that we transfer your relevant personal data to another controller where it’s technically feasible to do so. ‘Relevant personal data is personal data that: You have provided to us or which is generated by your use of our service. Which is processed by automated means and where the basis that we process it is on your consent or on a contract that you have entered into with us.|
You have a right to complain to the Data Protection Commissioner (DPC) in respect of any processing of your data by:
|Telephone +353 57 8684800 +353 (0)761 104 800 Lo Call Number 1890 252 231
|Postal Address: Data Protection Commissioner Canal House Station Road
Portarlington R32 AP23 Co. Laois
Please note that the above rights are not always absolute and there may be some limitations.
If you want access and/ or copies of any of your personal data or if you want to review, verify, correct or request erasure of your personal information, object to the processing of your personal data, or request that we send you or a third party a copy your relevant personal data in a reusable format please contact the Data Protection Officer in writing at Tallaght West Credit Union, Fortunestown S.C., Springfield, Tallaght, D24 C993, or using email@example.com.
There is no fee in using any of your above rights, unless your request for access is clearly unfounded or excessive. We also reserve the right to refuse to comply with the request in such circumstances.
We may need to verify your identity if we have reasonable doubts as to who you are. This is another appropriate security measure to ensure that personal data is not disclosed to any person who has no right to receive it.
Ensuring our information is up to date and accurate. We want the service provided by us to meet your expectations at all times. Please help us by telling us straightaway if there are any changes to your personal information. If you wish to avail of either of these rights, please contact us at firstname.lastname@example.org
PRIVACY UPDATE REGARDING THE CENTRAL CREDIT REGISTER & CENTRAL STATISTICS OFFICE
What is the Central Credit Register?
The Central Credit Register is a mandatory database of credit information established by the Central Bank, under the Credit Reporting Act 2013 as amended (“the Act”).
Under the Act, lenders are obliged to submit credit information and personal information on loans of €500 or more to the Central Credit Register.
Personal information, such as name, address, date of birth, gender and personal public service number (PPSN), is necessary for the purposes of accurately identifying borrowers and matching their loans, including loans they may have with more than one lender.
This information is stored securely on the Central Credit Register and is released only: when a lender or the borrower to whom the information relates requests access; if the borrower to whom the information relates, consents to the release of this information to another person; as provided by the Credit Report Act 2013 as amended, the Data Protection Act 2018 or as required or permitted by law or any other applicable legislation. The Central Bank may also transfer information to state agencies and law enforcement bodies when it is considered necessary and proportionate to do so. See www.centralcreditregister for more information.
Why does the CSO require the transfer of Central Credit Register data ?
The Central Credit Register is a database of loans, including consumer loans such as credit cards, mortgages, personal loans and overdrafts. As debt is a sizeable factor in the financial wellbeing of households, the availability of accurate data relating to the amount of money owed by borrowers is essential for providing timely statistics about household debt.
The CSO will use the loan information available in the Central Credit Register together with household income and expenditure data to produce a complete picture of the financial wellbeing of Irish households. This is information is an invaluable resource and will be used by policymakers, decision makers, economists and researchers.