Sharing data outside of RBS | Ulster Bank Republic of Ireland

Anytime Banking card reader on a laptop

Sharing data outside
Ulster Bank

Download full privacy policy document as a PDF
Sharing with third parties

We will not share your information with anyone outside RBS except:

Where we have your permission or it is required

  • Where we have your permission.

  • Where required for your product or service.  

  • Where we are required by law and by law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world.

 

With other banks and other parties providing services to us

  • With other banks and third parties where required by law to help recover funds that have entered your account as a result of a misdirected payment by such a third party.

  • With third parties providing services to us, such as market analysis and benchmarking, correspondent banking, and agents and sub-contractors acting on our behalf, such as the companies which print our account statements.

  • With other banks to help trace funds where you are a victim of suspected financial crime and you have agreed for us to do so, or where we suspect funds have entered your account as a result of a financial crime.

With agencies and other third-parties providing you with services

  • With debt collection agencies.

  • With the Central Credit Register, credit reference and fraud prevention agencies.

  • With third party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or service.

Other exceptions

  • Where required for a proposed sale, reorganisation, transfer, financial arrangement, sub-participation, asset disposal or other transaction relating to our business and/or assets held by our business.

  • In anonymised form as part of statistics or other aggregated data shared with third parties.

  • Where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above.

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… If you ask us to share your information...

If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account.  We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you.

RBS will not share your information with third parties for their own marketing purposes without your permission.

Add your signposting title here… Sharing data with other authorised users and family

In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorised user with all other authorised users.

Add your signposting title here… Transferring information overseas

We may transfer your information to organisations in other countries (including to other RBS companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws.

In the event that we transfer information to countries outside of the European Economic Area (which includes countries in the European Union as well as Iceland, Liechtenstein and Norway), we will only do so where:

  • The European Commission has decided that the country or the organisation we are sharing your information with  will protect your information adequately.

  • The transfer has been authorised by the relevant data protection authority; and/or

  • We have entered into a contract with the organisation with which we are sharing your information (on terms approved by the European Commission) to ensure you information is adequately protected.
Central Credit Register, credit reference and fraud prevention agencies

We may access and use information from the Central Credit Register, credit reference and fraud prevention agencies when you open your account and periodically:

  • To manage and take decisions about your accounts, including assessing your creditworthiness and checks to avoid customers becoming over-indebted.

  • When you apply to have your existing loan restructured.

  • If you have arrears on your account or have exceeded the limit on your overdraft or credit card.

  • If an amendment is required to the records held on the Central Credit Register.

  • To prevent criminal activity, fraud and money laundering.

  • Trace debtors and recover debts.
     

We require you to provide us with certain information in order for us to undertake credit reference and fraud prevention processing. The basis for our processing of such personal data for such purposes and the consequences of not providing such personal data is set out in this section.
 

Automated decision making

Application decisions may be taken based solely on automated checks of information from the Central Credit Register, credit reference and fraud prevention agencies and internal RBS records. To help us make decisions on when to give you credit, we use a system called credit scoring to assess your application.
 

To work out your credit score, we look at information you give us when you apply; information from credit reference agencies or the Central Credit Register that will show us whether you’ve kept up to date with payments on any credit accounts (that could be any mortgages, loans, credit cards or overdrafts), or if you’ve had any court action such as judgments or bankruptcy; your history with us such as maximum level of borrowing; and affordability, by looking at your available net income and existing debts.

 

You have rights in relation to automated decision making, including a right to appeal if your application is refused.

Continuous information sharing

We will continue to share information with the Central Credit Register and credit reference agencies about how you manage your account including your account balance, payments into your account, the term of the loan, the regularity of payments being made, credit limits and any arrears or default in making payments, while you have a relationship with us.  This information will be made available to other organisations (including fraud prevention agencies and other financial institutions) so that they can take decisions about you.

More on fraud prevention agencies

If false or inaccurate information is provided and/or fraud is identified or suspected, details will be passed to fraud prevention agencies.  Law enforcement agencies and other organisations may access and use this information.

If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested, or we may stop providing existing services to you.
 

A record of any fraud or money laundering risk may be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you.

Legitimate interest in preventing fraud and money laundering

When the Central Credit Register, credit reference and fraud prevention agencies process your information, they do so on the basis that they have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect their business and to comply with laws that apply to them.

Credit reference agencies contact details

If you would like a copy of your information held by the Central Credit Register, credit reference and fraud prevention agencies we use, or if you want further details of how your information will be used by the Central Credit Register and credit reference agencies please visit their websites or contact them using the details below. You can request your own credit report at any time from the Central Credit Register free of charge (subject to fair usage).


The Central Credit Register

Web address:
http://www.centralcreditregister.ie
Email:
consumerinfo@centralcreditregister.ie
Phone: +353 (0)1 224 5500

 

The Irish Credit Bureau

Post: ICB House, Newstead, Clonskeagh Road, Dublin 14, D14PX09
Web address: https://www.icb.ie
Phone: +353 (0)1 260 0388

Set Tab for lightbox