Information we hold | Ulster Bank Republic of Ireland

The information we process

We collect and process various types of personal information at the start of and for the duration of your relationship with us.

We might have to sometimes collect special categories of information for the purpose of detecting and preventing financial crime or to make our services accessible to you.  But we will only collect or use this information when we have your explicit consent or are otherwise lawfully permitted to do so according to the law.

Personal information

Basic personal information
including name and address, date of birth and contact details

Your Personal Public Service Number (PPSN) or Tax Reference Number (TRN)
 

Financial information 
including account and transactional information and history
 

Information about your family, lifestyle and social circumstances
(such as dependents, marital status, next of kin and contact details)
 

Information about your financial circumstances
including personal wealth, assets and liabilities, proof of income and expenditure, credit and borrowing history and needs and goals
 

Education and employment information
 

Goods and services provided
 

Visual images and personal appearance
(such as copies of passports or CCTV images)
 

Online profile and social media information and activity
based on your interaction with us and our websites and applications, including for example, your banking profile and login information, Internet Protocol (IP) address, smart device information, location coordinates, online and mobile banking security authentication, mobile phone network information, searches, site visits and spending patterns

Special categories of information

Information about racial or ethnic origin
 

Religious or philosophical beliefs
 

Trade union membership
 

Physical or psychological health details or medical conditions
 

Biometric information
relating to the physical, physiological or behavioural characteristics of a person, including for example using voice recognition or similar technologies to help us prevent fraud and money laundering

If we have a  lawful right to do so and in order to prevent crime, money laundering or other fraudulent activity, we will also  use information about criminal convictions and alleged offences.

This guide contains
the following sections:

Overview
Information we hold
What we do with the data
Sharing data outside Ulster Bank
Your rights

Add your signposting title here… How we obtain information

Your information is made up of all the financial and personal information we collect and hold about you or your business and the proprietors, officers and beneficial owners of that business and your transactions. It includes:

Information you give to us

Information that we receive from third parties
(including other RBS companies, third parties who provide services to you or us, the Central Credit Register, credit reference, fraud prevention or government agencies and other banks)

Information that we learn about you through our relationship with you
and the way you use your products or services, such as the payments made to and from your accounts

Information that we gather from the technology
which you use to access our services (for example location data from your mobile phone) 

Information that we gather from publicly available sources
such as the press, the electoral register, company registers and online search engines

 

Contact us

If you would like more information about how long we keep your information, please contact us:

1800 283062
(Mon to Sun 08.00 – 22.00)

From abroad
00353 1 804 7475

 

Add your signposting title here… How long we keep your information

Why we keep records

By providing you with products or services, we create records that contain your information, such as customer account records, activity records, tax records and lending and credit account records. Records can be held on a variety of media (physical or electronic) and formats.

We manage our records to help us to serve our customers well (for example for operational reasons, such as dealing with any queries relating to your account) and to comply with legal and regulatory requirements. Records help us demonstrate that we are meeting our responsibilities and to keep as evidence of our business activities.

Retention periods for records are determined based on the type of record

Retention periods for records are determined based on the type of record, the nature of the activity, product or service, the country in which the relevant RBS company is located and the applicable local legal or regulatory requirements. We (and other RBS companies) normally keep customer account records for up to seven years after your relationship with the us ends, whilst other records are retained for shorter periods, for example ninety  days  for CCTV records. Retention periods may be changed from time to time based on business or legal and regulatory requirements.

We may on exception retain your information for longer periods, particularly where we need to withhold destruction or disposal based on an order from the courts or an investigation by law enforcement agencies or our regulators. This is intended to make sure that we will be able to produce records as evidence, if they're needed.

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