What is the Right to Erasure or the Right to be Forgotten?
The Right to Erasure, also known as the Right to be Forgotten, permits you to request that we remove any personal information relating to you from our records.
The Right to Erasure only applies to identifiable living individuals, personal customers, personal business customers, sole traders and partnerships.
What does it mean to be Forgotten?
This means that information we processed will no longer be linked to your identity, depending on the nature of the request. It will also mean that we will no longer have any access to your personal information previously held.
What are the conditions in which my information can be forgotten?
You may ask us to forget your personal information, or we may forget your personal information under the following conditions:
The personal information is no longer necessary in relation to the purposes for which it was collected or otherwise processed;
You withdraw your consent where is no other legal ground for the processing;
You withdraw your consent for processing a child’s information;
If your personal information has been unlawfully processed;
If your personal information has to be forgotten for compliance with a legal obligation.
Where you have a compliant request, we will remove you from our main customer system, however you will not be immediately removed from all AIB systems. This will be carried out on a phased basis.
Are there any exemptions to Right to be Forgotten?
Yes. There are some exemptions. Some of these exemptions are:
Legislation requiring retention of information (for example, the Financial Ombudsman Act)
If your information is still subject to AIB’s Data Retention Schedule, which is the agreed period for which AIB can store information on any account, product or application once it has been closed.
You are still a customer with AIB and have open accounts that you are transacting on and products that you are using.
You have an ongoing application with AIB for a product or account.
You currently have a non-account holding relationship with the bank (e.g. trustee, guarantor, Power of Attorney, Assisted Decision Making Authority, Director of a Company, etc.).
If you are otherwise engaged with AIB, either directly or through a third party.
I have closed all my accounts with AIB and want to exercise my Right to be Forgotten, how can I do this?
You can do this by visiting any AIB branch (you do not need to have a previous branch relationship) and requesting a Right to be Forgotten request form or by downloading the form here.
You will then have to complete the Right to be Forgotten form, which will ask you for information such as your name, address, data of birth. This is done so that we can validate your identity and identify you on our system.
The completed form is to be submitted to any AIB branch along with a valid proof of identification.
How long will it take to process my request?
This can vary depending on the complexity of the Right to be Forgotten request. Typically, this should take up to one month.
If I am forgotten, can I bank with AIB again?
Yes, it will be possible to bank with AIB again, however, we will not be able to link your previous banking details with your new banking details. Instead, you will be considered a new AIB customer.
Will AIB let me know that my Right to be Forgotten request has been processed?
Yes, AIB will contact you by letter, to let you know that your request has been received and is being reviewed.
Where you have a compliant request, we will write to you to inform you of what action we have taken in response to your request.
If an invalid request is submitted, we will contact you to let you know along with instructions of what is required to resolve the issue.
Can I change my mind once I submit my request?
No, once you have submitted your right to be forgotten request, AIB will not be able to cancel this request.
Once my information is forgotten, can it be recovered?
No, once your information is forgotten, it cannot be recovered.
Will the Right to be Forgotten affect my credit rating with the Irish Credit Bureau?
No, your Right to be Forgotten will not impact your existing credit history.
AIB will only be able to forget accounts or products that are outside AIB’s Data Retention schedules and those that do not fall into our list of exemptions.
Accounts or products that can be forgotten will no longer be reported to the Irish Credit Bureau by AIB, as part of your credit history, so if removed, will not have an impact on your credit rating. For further information on how your credit rating is generated, please see www.icb.ie/credit_rating here.