Communication Consent for Marketing Purposes

How we collect data about you We collect personal information from you at various stages, for example, when you open an account, lodge or withdraw, apply for a loan, use banking services or look for advice on products or services. We will also collect information from others, such as credit bureau (Irish Credit Bureau (ICB) or the Consumer Credit Register (CCR), or through our website, apps, social media sites, community based discussion forums and CCTV footage. We will sometimes record phone conversations to improve security, resolve complaints, improve service and train our staff. We will always let you know when we are recording our calls with you.

How we use information We use this information to:

1. Make recommendations about the products or services you hold with us

2. Decide how the products and services you don’t yet hold might be suitable for you

3. Decide how we will offer them to you, for example directly or through digital media

To protect your information we use security measures that comply with Irish law and meet international standards. This includes computer safeguards and secure files and buildings.

We sometimes use other companies and individuals to work on our behalf or to give us information to help us make decisions. For example, to analyse data, collect debts, process information, and conduct market research. We contract with all third parties to whom we give your information for these purposes to keep your information confidential and to respect the laws on data protection.

How you can interact with us We try to make sure that the information we have about you is accurate and up-to-date. Sometimes we may ask you to verify that the information we have remains accurate. If your information changes or you believe we have information which is inaccurate or not up-to-date please let us know and we will change it.

Under the Data Protection Acts you have the right to see the personal information we hold about you. You can obtain this by writing to The Data Protection Officer, Cara Credit Union Ltd., 45-47 Ashe Street, Tralee, Co. Kerry.

Consent to use and disclosure Under the Data Protection Acts, 1988 and 2003 (the “DPA”), the Credit Union Act 1997 (as amended) and the new EU General Data Protection Regulations, I hereby consent to Tralee Credit Union Ltd processing personal data that it may have in its possession concerning me (including disclosure to third parties). I note that this personal data may include sensitive personal data, such as data about my health, within the meaning of the legislation, the processing of which requires my explicit consent.

For the purpose of assessing my application for membership, assessing any loan applications, applications for new products or services, which I may make to you and also for the general administration and monitoring of any accounts I have with Cara Credit Union, I also hereby give my consent by submitting this form.