In this Notice, we explain how we collect information about you, how we use it and how you can interact with us about it.
In this Notice “EBS” refers to EBS d.a.c and “EBS Group” refers to EBS d.a.c., its subsidiaries (including EBS Mortgage Finance and Haven Mortgages Limited), its affiliates and its parent company and their respective subsidiaries and affiliates. EBS is a wholly-owned subsidiary of Allied Irish Banks, p.l.c. (“AIB”) and a member of the AIB group of companies (“AIB Group”).
We collect personal information, for example when you open an account; make a deposit; apply for a loan; use your credit or debit card; or look for advice about your investments. We will also collect information from others, such as credit bureaus (like the Irish Credit Bureau), 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 people. We will always let you know when we are recording our calls with you.
Our websites use ‘cookie’ technology. A cookie is a little piece of text that our server places on your device when you visit any of our websites. They help us make the site work better for you. You can find out more about cookies, including how to disable them on www.ebs.ie. We also use cloud technology to store data including your information, to support our infrastructure and to deliver you real time personalised offers.
By using our products and services, or asking about them directly or online, you are consenting to us collecting and using your information in the ways we explain in this notice and any future versions of it.
We know that you care about how information about you is used, stored and shared. We appreciate your trust in us to do that. 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.
Offering and Managing Your EBS Products and Services
We gather information about you and the products and services you use, or ask us about. We use this information to:
Developing Our Relationship – Marketing and Customer Experience
We may use your information for direct marketing purposes, where you have given us permission to do so. We may make you aware of products and services which may be of interest to you. We may do this by phone, mail, email, text or through other digital media. You can decide how much direct marketing you want to accept, so we make it as easy as possible for you to change your direct marketing preferences, simply contact us directly.
We will also use the information we have gathered on you to personalise your experience on digital media such as websites, apps, ATMs, social media sites, mobiles and tablet devices. This may include giving you product and service content we believe might be of interest to you.
Data Analytics – Using Information in Our Business
We analyse the information that we collect and hold on you through channels such as social media networks (Facebook, Twitter, YouTube etc.). This helps us understand your behaviour, our relationship with you and also our position in a market place. Our analysis helps us to offer you products and services content we believe will be of interest to you.
We have legal obligations to prevent fraud, tax avoidance, money laundering and terrorist financing. These obligations mean we have to continually update our customer information. Often we have to share customer information with third party law enforcement agencies. Where false or misleading information is given to us, or we suspect criminal activity we will record this and tell the appropriate law enforcement agencies, which may be within and outside Ireland.
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:
We contract with all third parties to whom we give your information for these purposes to keep your information confidential and to respect the law on data protection.
If at any time you would like to be removed from our market research database please let us know by writing to EBS, Office of the Director of Retail & Business Banking, Bankcentre, Ballsbridge, Dublin 4.
We use credit reference agencies to check your credit history, your debts, how you operate your accounts and to verify your identity. The credit reference agencies record these searches, whether we offer you credit or not. We give them information about the products and services you hold with us and we keep them updated about how well you repay credit. We do this so that we can make decisions about offering credit and carry out credit reviews. We may use credit scoring techniques and automated decision making systems to either fully or partially assess your application.
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. Our fee of €6.35 for this is currently being waived. To get a copy of this information, write to your local EBS branch or to the SARS Unit, 4th Floor, 1 Adelaide Road, Dublin 2.