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Important information about you and Bank of Ireland.

"Our Group" means the Governor and Company of the Bank of Ireland and any of our subsidiary or associated companies. For a full list of Our Group, please write to us at the address below.  Your information may be held on a Bank of Ireland Group database and be used by us, and any other member of Our Group.

(a)	Considering your application

To help us decide whether to enter into this and any future agreement with you, from time to time during the currency of any agreement, or in any event in order to fulfil our legal obligations, we may make use of:

(i) 	any information given by you to us;
(ii) 	information we already hold about you;
(iii) 	information received from enquiries we make about you; and
(i)	information we gain from your performance of any other agreement you have with us or Our Group.

We may make and retain copies of passport, driving licences or other identification evidence which you provide.

We may also search your record at Credit Reference Agencies or request them to carry out enquiries on our behalf.  We may provide such Credit Reference Agencies with sufficient information to enable all necessary enquiries to be made.  The Credit Reference Agencies will keep a record of our search whether or not your application proceeds. This record will be available to other organisations that make similar searches and could impact on your ability to obtain credit elsewhere within a short period of time.

Information held about you by the Credit Reference Agencies may already be linked to records relating to one or more of your partners. This is called an "association". For the purposes of this Agreement/application you may be treated as financially linked to such partner and your application assessed with reference to any "associated" records.

If you are providing information on behalf of others within your business, are a joint applicant or if you have told us of some other financial association with another person, you must be sure that you are entitled to:

(i)	disclose information about that other person and anyone else referred to by you; and
(ii)	authorise us to search, link or record information about you and anyone referred to by you at  Credit Reference Agencies.

An "association" between joint applicants and between you and any person with whom you have stated there is a financial relationship will be created at the Credit Reference Agencies. This will link your financial records. 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 a credit scoring system or other automated decision making system.

(b) Use and disclosure of your information

We will add to your record with the Credit Reference Agencies by giving any information:
(i) 	that we hold about you; or
(ii) 	about your payment record; or
(iii) 	about your agreement with us (including any default); and
(iv) 	information about any failure to notify us of any change of address, where any payment is overdue.

It is important that you give us accurate information. We will check your details with fraud prevention agencies and if you give to us false or inaccurate information, and we suspect fraud, we will record this.  All information will be shared with and cross-checked by other businesses, including Our Group or other lenders to:

(i) 	assess applications for credit and credit related services (such as insurance) made by you and by members of your household; or
(ii) 	trace debtors and recover debt; or
(iii) 	prevent fraud and money laundering; or
(iv) 	make decisions about your account; or
(v) 	carry out statistical analysis and market research; or
(vi) 	help us and them identify products and services which may be of interest to you (unless you have asked us not to);or
(vii) 	consider or evaluate commercial transactions between Our Group and other businesses or lenders.

Fraud prevention agency records will also be shared with other organisations to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household.

We may also give information about you and your agreement with us to:

(i) 	any guarantor of your agreement; or
(ii) 	your insurer; or
(iii) 	anyone acting on your behalf; or
(iv) 	anyone who introduced you to us; or
(v) 	any finance house, motor trade, vehicle recovery tracing agent, lawyer, law enforcement agency; or
(vi) 	companies or other bodies which maintain registers of assets and interests in them; or
(vii) 	credit industry fraud avoidance networks; or
(vii)	any regulatory, governmental or statutory organisation or body (where required to do so by law) for the purposes of administration, underwriting and processing.

Please write to the address shown below if you would like details of those Credit Reference Agencies and other third parties from whom we obtained information about you, or details of those parties to whom we give information about you. You have a right by law to these details.
For operational reasons we may link information between any of your accounts and other products and services you have with Our Group. These links will not be used for marketing purposes without your consent.
Information which we hold about you may be retained by us even after your account(s) has been closed in order to comply with our legal obligations and business record requirements.

(c) Direct Marketing

We may contact you from time to time with details of other products and services which we or third parties offer. For this purpose, we may make use of an automated decision-making programme now and in the future. We may also give information about you to:

(i)	Our Group;
(ii)	any other person or company we select from time to time so that they can use it for similar purposes.  You may be contacted by post, telephone, email and fax, or other means.  You have a legal right to stop us from contacting you or giving your details to others for direct marketing purposes. Please write to us at the Marketing Department, 1 Donegall Square South, Belfast, BT1 5LR if you wish to exercise this right. Please note that this may mean that you will not receive information about additional benefits that are made available to our customers.

(d) Transfer of your information abroad

From time to time, we may disclose or transfer information about you to previously approved persons or companies who are based outside of the European Economic Area. We will only do so provided such persons or companies agree to give your information the same level of protection as we are required to give it in the UK and act solely on our instructions. Such transfers abroad will be for any of the purposes in sub-clause (b) above.

(e) Sensitive Data

You may have provided information relating to your nationality and/or whether you have any disability. You do not have to give us this information if you do not want to. If you choose to provide details of your nationality, we will use such information for research and statistical purposes only. If you choose to provide details of any disability, this will only be used to provide additional assistance where possible.


(f) Your right to information

You have a legal right to receive a copy of the information we hold about you if you apply in writing to us at  Customer Care Manager, Group Marketing UK, 1 Donegall Square South, Belfast, BT1 5LR.

A fee will be payable by you in advance.  Confirmation of the current fee can be obtained when you write to us at the above address.
If you have read through the Data Protection information above, click on the "CONTINUE" button to proceed.
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