We use information about you to:
- provide relevant products and services;
- identify ways we can improve our products and services;
- maintain and monitor your products and services;
- When assessing or reviewing your facilities in respect of yourself or whether part of a connection to other customers;
- protect both our interests;
- meet our legal and regulatory obligations; and
- decide and recommend how our products and services might be suitable for you.
To provide our products and services under the terms and conditions we agree between us, we need to collect and use personal information about you. If you do not provide this personal information, we may not be able to provide you with our products and services.
The European Banking Authority’s guidelines on Loan Origination and Monitoring require us to have a single, consistent view of our borrowers’ assets and liabilities throughout the AIB Group. When assessing and monitoring loans, we will access a Single Customer View of accounts our customers may have across the AIB Group, including AIB (ROI and UK), EBS and Haven. European Banking Authority’s guidelines on connected clients requires that we take a holistic view of customer connections for assessing connected facilities and exposures. Your data may be used in the assessment of another AIB Customer where there is a customer connection. The account information that’s available will help us to more efficiently assess applications for new credit facilities, for example new loans or credit cards, as well as support our ongoing review of credit arrangements.
We analyse the information that we collect on you through your use of our products and services and on our social media, apps and websites. This helps us understand your financial behaviour, how we interact with you and our position in a market place. Examples of how we use this information includes helping protect you and others from financial crime, offering you products and services and personalising your experience.
We may report trends we see to third parties. These trend reports may include information about activity on devices, for example mobile phones, ATMs and self-service kiosks, or card spend in particular regions or industries. When we prepare these reports, we group customers’ information and remove any names. We do not share information in these reports that can identify you as a customer, such as your name, or account details.
We sometimes use technology to help us make decisions automatically. For example, when you apply for a loan online. Before we make a decision, we automatically score the information you give us, any information we already hold about you, and any information we may get from other sources.