Sitemap Good Ideas & Feedback Help HOME ABOUT LOANS SERVICES MEMBERSHIP TECHNICAL INFO CONTACT US Register Now Log in FREEPHONE LOANS NO. TECHNICAL INFO PRIVACY NOTICE Privacy Notice Identity Who are we? We are Clonmel Credit Union, a member owned financial cooperative controlled by our members. Our head office is located at Parnell Str, Clonmel, Co. Tipperary. We provide financial and related services to our members. This notice sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our practices regarding your personal data and how we will treat it. For the purpose of the Data Protection Acts 1988 and 2003 (as amended) and from 25 May 2018, the General Data Protection Regulation (the GDPR) (the Acts) the data controller is Clonmel Credit Union. Our data protection officer can be contacted by emailing dpo@clonmelcu.com The phone number in our main office is 052 6125292 WHAT INFORMATION DO WE COLLECT? What PERSONAL information do we collect from you? You may give us personal data by: · corresponding with us by phone, e-mail or otherwise. We ask you to disclose only as much information as is necessary to provide you with our products or services or to submit a question/suggestion/comment in relation to our site or our services or products. · filling in forms on www.clonmelcu.com (our site) such as the Enquiry form. · registering as a member on our site or logging on as a member. Members supply us with information which may include contact details; a contact name; email; business address; telephone number and billing payment details. · applying to work with us. The type of information you may provide in your CV, a cover letter, your name, address, e-mail address and phone number. CVs should include information relevant to your employment history and education (degrees obtained, places worked, positions held, relevant awards, and so forth). We ask that you do not disclose sensitive personal information (e.g. gender, height, weight, medical information, religion, philosophical or political beliefs, financial data) in your application. What information about you do we obtain from others? When you use our services and products, we may obtain the following categories of personal data from others: · Credit vetting entities such as the Central Credit Register. · Publicly available information and credit union data for Member Nominations to fill voluntary positions · Existing members responsible for Minor Members · From management and Board in relation to their Related parties (family members, business interests) · Our CCTV footage which captures footage of the public · Information in relation to participants in Art, Talent Show & School Quiz competitions. Why do we collect this information? We collect the information in order to provide you with our services and products, to market our services, to improve our site and to recruit staff. We will use this information: · to set you up as a member on our systems; · to liaise with you about services that we are providing you; · to create a candidate profile for you if you are a prospective employee; · to administer and improve our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes; · as part of our efforts to keep our site safe and secure; · to deliver information about our products and services, where you have subscribed to receive same; · to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you; · to make suggestions and recommendations to you and other users of our website about services that may interest you or them. · to ensure the business of the credit union can be undertaken in an effective manner The legal bases for the processing of your personal data are: · that you have provided consent for the processing for one of more specified purposes such as marketing for example when you subscribe to our newsletter; · processing necessary for the performance of a contract which you have entered into with us or to take steps at your request prior to entering into a contract; · processing necessary for compliance with a legal obligation to which we are subject; · processing necessary for the purposes of the legitimate interests which we pursue in providing you with our services prior to contract where such interests are not overridden by your interests or fundamental rights or freedoms which require the protection of your information. · to undertake the lawful business of a credit union The legal bases for the processing of your special category data (medical data) are: · processing necessary for the performance of a contract which you have entered into with us or to take steps at your request prior to entering into a contract in particular for the provision of insurance provided by the credit union e.g. life cover. · to undertake the lawful business of a credit union THIRD PARTY ACCESS TO YOUR PERSONAL DATA Who Do we share this information with? We may share your personal data with our selected business associates, suppliers and contractors to provide you with our services and products. For example, these business partners may include our web hosting provider and our IT service providers. Where an assessment of your credit score is a condition of us entering into a contract with you (in relation to credit facilities), we will share information with our selected credit reference agencies. In addition, we may disclose your personal information to third parties: · in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets; · if we or substantially all of our assets are acquired by a third party, in which case information held by us about our Members will be one of the transferred assets; · if we are under a duty to disclose or share your information in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements; or to protect our rights, property, or safety, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction. Member Draw - In the interest of transparency, all winners of the members draw will be published. DISCLOSURE OF YOUR INFORMATION We may also share your information with selected third parties including: · business partners, suppliers and sub-contractors for the performance of any contract we enter into with them or you. We attach at Schedule 1 a list of all entities with whom your personal data is shared. MINIMISATION How long do we keep hold of your information? The time periods for which we retain your information depends on the type of information and the purposes for which we use it. We will keep your information for no longer than is required or permitted. For further information on the periods for which your personal data is kept, please see our data retention policy which can be accessed here www.clonmelcu.com/dataretentionpolicy TRANSFERS Do We transfer your information Outside The European Union or European Economic Area? No PROFILING AUTOMATED DECISION-MAKING AND PROFILING We do not use automated decision-making/ profiling in the administration of the employment or contractual relationship. YOUR RIGHTS WHAT ARE YOUR RIGHTS WITH RESPECT TO YOUR PERSONAL DATA? You have the following rights: · The right to access the personal data we hold about you. · The right to require us to rectify any inaccurate personal data about you without undue delay. · The right to have us erase any personal data we hold about you in circumstances such as where it is no longer necessary for us to hold the personal data or, in some circumstances, if you have withdrawn your consent to the processing. · The right to object to us processing personal data about you such as processing for profiling or direct marketing. · The right to ask us to provide your personal data to you in a portable format or, where technically feasible, for us to port that personal data to another provider provided it does not result in a disclosure of personal data relating to other people. · The right to request a restriction of the processing of your personal data. Where our processing of your personal data is based on your consent to that processing, you have the right to withdraw that consent at any time but any processing that we have carried out before you withdrew your consent remains lawful. You may exercise any of the above rights by contacting dpo@clonmelcu.com or by phone 052 6125292. You may lodge a complaint with your local supervisory authority with respect to our processing of your personal data. The local Supervisory Authority in Ireland is the Data Protection Commissioner. The website is www.dataprotection.ie. CHANGES TO THIS POLICY What will happen if we change our privacy notice? This notice may change from time to time, and any changes will be posted on our site and will be effective when posted. Please review this notice each time you use our site or our services. This notice was last updated on the 28th of January 2020. CONTACTS How can you contact us? Our Data Protection Contacts (DPCs)] can be contacted by email at dpo@clonmelcu.com or by phone on 052 6125292. Address: Parnell Street, Clonmel, Co Tipperary. On our website contact form: www.clonmelcu.com/Contact-Us Schedule 1 We have set out below a list of third parties with whom we share your data. Name of Party Description of service provided/reason for sharing Active Legal Services We have a contractual obligation to provide personal data to ALS, a collection and recoveries agent of the credit union. AIB We have a contractual obligation to provide personal data to AIB, a banking and financial services provider to the credit union. AIB Merchant Services We have a contractual obligation to provide personal data to AIB MS, the banking services provider for card transactions and online payments to the credit union. Airspeed Airspeed provide broadband and internet services to Clonmel Credit Union across a private network used for information and data transmissions. Alun Systems We have a contractual obligation to provide personal data to Alun Systems a design, print and project management partner of the credit union. This information is required for the purposes of mass notification of members. Aserve We have a contractual obligation to provide personal data to Aserve, a private investigation and tracing agent of the credit union. Bank of Ireland We have a contractual obligation to provide personal data to Bank of Ireland, a banking and financial services provider to the credit union. Banks We have a contractual obligation to provide personal data in relation to the provision of financial services to members. Central Bank of Ireland We have a legal obligation to provide personal data to the Central Bank of Ireland for regulatory purposes and Field Audits and inspections. Central Credit Register We have a legal obligation to provide personal data to the Central Credit Register. Cybot A/S, Denmark, trading as CookieBot.com Consent management scripts for www.clonmelcu.com website, used to support our members making informed consent around cookie usage on our website, and for recording these. When a user of our website submits a consent on our website, the following anonymised data are automatically logged by Cybot: · The End User’s IP number in anonymized form (last three digits are set to ‘0’). · The date and time of the consent. · User agent of the End User’s browser. · The URL from which the consent was submitted. · An anonymous, random and encrypted key value. · The End User’s consent state, serving as proof of consent. This is done to comply with our requirement under the GDPR to record a valid consent has been legitimately obtained. The privacy notice for Cybot A/S can be found at https://www.cookiebot.com/en/privacy-policy/ Cork Confidential Shredding We have a contractual obligation to provide CCS with personal data for document and hard drive shredding services. We provide personal data for safe destruction in the course of the service provided. Credit Card Services Ireland We provide Credit Card Services Ireland with personal data relevant to the production of ATM cards. CUSOP (Credit Union Services Organisation for Payments) & Danske Bank We have a contractual obligation to provide personal data to CUSOP & Danske Bank, the payments services provider to the credit union. Dafil We have a contractual obligation to provide personal data to Dafil, a secure printing partner of the credit union. This information is required for the purposes of mass notification of members. ECCU assurance (affiliate of the ILCU) We engage ECCU to provide the members with insurance benefits provided by the credit union and may provide them with personal data and medical history relevant to the provision of said insurance. Everyday Finance We have a contractual obligation to provide personal data to Everyday Finance, a collection and recoveries agent of the credit union. Fexco We have a contractual obligation to provide personal data relevant to the provision of foreign exchange services to members. Financial institutions We have a contractual obligation to provide personal data in relation to the provision of financial services to members. G4S cash services G4S provide cash services to the credit union which includes processing of bank lodgements including cheques which contain personal data. Gardaí We may have a statutory obligation to provide your personal details and CCTV to An Gardaí Siochana. Global Payments (formerly RealEx) We have a contractual obligation to provide personal data to Global Payments, the online payments services provider to the credit union. Government agencies We have a legal obligation to provide personal data to government agencies. Hall Alarms We have a contractual obligation to provide personal data to Hall Alarms, a security provider to the credit union. Hall Alarms provide support for security and CCTV services and may have access to information such as your image or location during the provision of services. Irish league of credit unions We have a contractual obligation to provide personal data to the Irish League of Credit Unions. The ILCU are a representative body for credit unions and also provide ancillary services such as Field Audits. Keep it Safe We have a contractual obligation which may allow Keep It Safe access to personal data in the provision of storage, replication and data rebuild services for the credit union. Kingston & company solicitors We have a contractual obligation to provide personal data to Kingston & Co, a collection and recoveries agent of the credit union. Michael Kelly Collections We have a contractual obligation to provide personal data to Michael Kelly, a collection and recoveries agent of the credit union. Microsoft Office We use Microsoft to host our email. Money Advice & Budgeting Service With consent, we provide personal data to MABS, the money adviser to the credit unions members. Neopost We have a contractual obligation to provide Neopost with access to personal data relevant to the provision of postal services to the credit union. NSSL We use the services of NSSL to manage our network and data storage. We provide NSSL with access to personal data in the performance of the aforementioned services. O Gorman Brannigan Purtill (OGBP) We have a contractual obligation to provide personal data to OGBP as our internal audit partners. During the course of the Internal Audit OGBP may access and process personal data. Other contracted service providers Where we have a legal obligation with our service providers personal data may be provided to them in the provision of contracted services. Outsourced partners of our core providers We may have a contractual obligation to provide personal data, or access, to outsourced partners of our core providers. For example, it is unlikely that an outsourced partner providing cloud-based storage services will in fact own and operate the “cloud” itself. Pierse Fitzgibbon We have a contractual obligation to provide personal data to Pierse Fitzgibbon, a collection and recoveries agent of the credit union. PricewaterhouseCoopers We have a contractual obligation to provide personal data to PWC as our external audit partners. During the course of the Annual Audit PWC may access and process personal data. Progress Systems We have a contractual obligation to provide personal data to Progress Systems. We use Progress systems to host and store personal data on our core operational software platform. We provide them with personal data in the course of providing transactional services to members. Red Flare We store and provide Red Flare with access to personal data in the course of their company providing risk management, compliance and governance software to Clonmel Credit Union. Regulatory bodies We have a legal obligation to provide contact personal data to other regulatory bodies. Revenue Commissioners We have a statutory obligation to provide personal data and tax relevant details to the Revenue Commissioners. Star Plan / Liberty Mutual We have a contractual obligation to provide personal data to Star Plan/ Liberty Mutual. The Star Plan and associated underwriters provide insurance services to Clonmel Credit Union. Veeam We have a contractual obligation which may allow Veaam access to personal data in the provision of storage, replication and data rebuild services for the credit union. Voicegrid We have a contractual obligation to provide VoiceGrid with access to personal data for the purposes of supplying our phone and voice recording services. If we issue you a debit card, Transact Payments Malta Limited (which is an authorised e-money institution) will also be a controller of your personal data. In order for you to understand what they do with your personal data, and how to excerise your rights in respect of their processing of your personal data, you should review their privacy policy which is available at https://currentaccount.ir/files/tpl-privacy-policy.pdf TECHNICAL INFO SEPA Payments Privacy Notice Privacy - technical information PSD2 Framework PSD2- Strong Customer Authentication Data Retention Policy ABOUT US Together we're Better Our Website is designed to help both existing members and also people who may wish to become members in the future. If you live or work within a 20 mile radius of Clonmel you are eligible to join Clonmel Credit Union. OPENING HOURS Opening hours for all our branches can be found on our Contact Us page :: Mullinahone Office :: Fethard Office CONTACT US Tel: Fax: Email: Address: (052) 612 5292 (052) 612 5207 admin@clonmelcu.com Parnell Street, Clonmel, Co.Tipperary Clonmel Credit Union Ltd is Regulated by the Central Bank of Ireland. 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