Data Protection & Confidentiality Agreement and Important Credit Card Information

STEP 1 of 11

Use of Data

Before sending any information, you must read through our Data Protection Information below and click the Next button.

Data Protection - using your information

Important information about you and us, Bank of Ireland UK.

Bank of Ireland UK is a member of the Bank of Ireland Group. In this statement Ďour groupí means the Governor and Company of the Bank of Ireland and any of our subsidiary or associated companies. For a full list of these companies write to us at the address below. We may hold your information and it may be used by any other member of our group.

Considering your application

To help us decide whether to enter into this and any future agreement with you, we may use:

  • any information you have given to us;
  • information we already hold about you;
  • information we receive from enquiries we make about you; and
  • information we get from your other dealings with us or our group.

We may make and keep copies of your passport, driving licence or other proof of your identity that you provide.

We may also search your record held by credit reference agencies or ask them to make enquiries for us.

We may give credit reference agencies the information they need to make their enquiries. The credit reference agencies will keep a record of our search, whether or not your application goes ahead. This record will be available to other organisations that make similar searches and could affect your ability to get credit elsewhere.

Information the credit reference agencies hold about you may already be linked to records relating to other people. (This is called an Ďassociationí.) You may be considered to be financially linked to these people and we may consider their credit records when considering your application. If you are providing information on behalf of others within your business, you are applying for credit with someone else, or you have told us about a financial link with another person, you must be sure that you are entitled to:

  • release information about that other person and anyone else you have referred to; and
  • authorise us to search, link or record information about you (and anyone you have referred to) at credit reference agencies

Credit reference agencies will create a link between your credit records and those of any person you have said that you have a financial relationship with. When you or the people you have a financial relationship with apply for credit in the future, both your and their credit records will be taken into account. This process will continue until one of you tells the credit reference agencies that there is no longer a financial link. We may also use a credit-scoring system or other automated system for making a decision.

Using and sharing your information

We will give credit reference agencies any information:

  • that we hold about you;
  • about your payment record;
  • about your agreement with us (including if you have broken it); and
  • about you not telling us about any change of address, if any payment is overdue.

It is important that you give us accurate information. We will check your details with fraud-prevention agencies.

If you give us false or inaccurate information, and we identify fraud, we will keep a record of this. We will share all information with other businesses, including our group or other lenders, to:

  • assess applications for credit and credit related services (such as insurance) made by you and members of your household;
  • trace people who have debts and recover debts;
  • prevent fraud and money laundering;
  • make decisions about your account;
  • produce and analyse statistics and carryout market research;
  • help us identify products and services which may be of interest to you (unless you have asked us not to); and
  • consider dealings between our group and other businesses or lenders.

Fraud-prevention agenciesí records will also be shared with other organisations to help make decisions on motor, household, credit, life and other insurance applications and insurance claims made by you and members of your household.

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

  • anyone who has guaranteed to us that they will meet your liabilities if you canít;
  • your insurer;
  • anyone acting for you;
  • anyone who introduced you to us;
  • any finance house, motor trade, vehicle recovery agent, lawyer or law-enforcement agency;
  • companies or other organisations which keep registers of assets and interests in them;
  • the credit industry and fraud-prevention networks (to detect and prevent crime); or
  • any regulatory or government organisation (if we have to do so by law).

Please write to the address shown below if you would like details of credit reference agencies and others we get information about you from, or details of who we can give information about you to. By law you have a right to see these details.

We may link information between any of your accounts and other products and services you have with our group. We will not use these links for marketing purposes without your permission.

We may keep information about you after your account has closed so we can meet our legal obligations and business needs.

Direct Marketing

From time to time we may give you details of other products and services we or other organisations offer. We may also give information about you to:

  • Our group; or
  • any other person or company we choose from time to time so that they can use it for similar purposes.

We may contact you by post, phone, e-mail, fax and in any other way. You can stop us from contacting you or giving your details to others for marketing purposes

To do this, write to;

Bank of Ireland UK
Marketing Department
1 Donegall Square South

(This may mean that you will not receive information about extra benefits available to our customers.)

Transferring your information abroad

From time to time, we may transfer information about you to previously approved companies or people based outside the European Economic Area. We will only do so if the person or company agrees to give your information the protection we would have to give it in the UK and to act on our instructions.

Sensitive information

You may have given us information about your nationality or whether you have any disability. You do not have to give us this information if you do not want to. If you give us details of your nationality, we will use that information for research and statistical purposes only. If you give us details of any disability, we will use it only to provide any support you need.

Your right to information

You have a legal right to receive a copy of the information we hold about you. To see this information, write to:

Bank of Ireland UK Customer Care Manager 1 Donegall Square South Belfast BT1 5LR

You must pay a fee before we send this information to you. We will tell you the current fee when you write to us.

Important Credit Card Information

It's important that you read the information we provide you with, including the Pre-Contract Credit Information and the Credit Agreement, to make sure you fully understand the Agreement you're entering into.

A credit card is designed to provide short term credit. As such, it is not suitable for long-term borrowing as it would be an expensive source of such credit.

We charge different interest rates for different types of transactions, for example, cash advances cost more than purchases. Details of these rates are shown in the Pre-Contract Credit Information.

The 0% introductory offer on balance transfers lasts for 24 months on MasterCard Matched card from the date of your Agreement. Each transfer will incur a fee of 2.49%. There are minimum and maximum limits on the amount you can transfer. At the end of the 0% introductory period you will be charged our standard variable rate of interest.

You will not pay any interest on purchases made on your card for the first 24 months. After that, all purchases on your account, including those outstanding from the promotional period, will be charged at our standard variable rate of interest.

From time to time, we may change the interest rates we charge. This can be because of a change in your personal credit risk or rate changes we are applying to all borrowers. We will always give you advance notice of any such changes.

The total amount you have to repay will depend on how much you spend using your card and how much of the outstanding balance you repay each month. The Pre-Contract Credit Information contains an example of how much it could cost you.

You must pay at least the minimum monthly payment amount shown on your monthly statement. However, if you only make the minimum repayment each month it will take you longer and cost you more to clear your balance. If you do not clear your balance in full and on time each month, you will be charged interest on the full balance for that month.

Any payments you make will be allocated to the balances which attract the highest rate of interest first, helping you to reduce your most expensive balances first.

If you don't make the minimum monthly payment, or make it late, you will be charged a late payment fee of £12, incur additional interest and the total cost of paying back your debt will grow. You will also be charged £12 if you either exceed your credit limit or have a direct debit or cheque returned unpaid. This may have severe consequences on your ability to obtain future credit or may make it more expensive for you to obtain credit and your credit rating may be adversely impacted. It may also result in legal proceedings being taken against you to recover the debt. Costs may be brought against you and a court order may result in any outstanding debt being secured against your home by way of charging order.

You will have 14 days from the day after you receive you credit card to withdraw from your Agreement and can do this by notifying us in writing or by calling our Customer Services team. You will be required to repay any amounts outstanding on the account, including any interest due, within 30 days and your Agreement will then come to an end.

Finally, if, for any reason you feel you don't fully understand the Bank of Ireland UK credit card or the commitment you're entering into, we would encourage you to take further time to consider your application or to discuss it with a family member or friend.

If you have any further questions about the Bank of Ireland UK Credit Card or require any other information please call our Customer Services Team on 0345 3098099.

If you have read through the Data Protection Information and the Important Credit Card Information above, click on the Next button to proceed.

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