Your Data Protection Rights

Your information, our duty and your rights

 

To be our customer, you share information with us. To be your bank, we respect that information.
 

On this page you will find out how we do that and what your rights are. We think it’s important that you read this page. It will tell you everything you need to know about your rights and how you action them.

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

Overview of your rights

  • --------------------Start of Accordion---------------------------

    Right of access to information (Subject Access Request)

    You can ask us for a copy of the personal information we hold and further details about how we collect, share and use your personal information.
     

    To help you with this request we have developed a Subject Access Request Form which is available to download here.  Alternatively, you can contact us by your own preferred method.
       

    You can request the following information:

    • the purposes of the processing;

    • the categories of personal data concerned;

    • the recipients or categories of recipient to whom the personal data have been or will be disclosed, in particular recipients in third countries or international organisations;

    • where possible, the envisaged period for which the personal data will be stored, or, if not possible, the criteria used to determine that period;

    • where the personal data are not collected from the data subject, any available information as to their source;

    • the existence of automated decision-making and meaningful information about the logic involved, as well as the significance and the envisaged consequences of such processing for the data subject.

       

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Updating and correcting your personal details

    If you want to update or correct any of your personal details, please contact us at 0818 724 724 or call into a branch.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Right to restrict processing

    What is the Right to Restrict?

    The right to restrict only applies to identifiable living individuals, personal customers, personal business customers, sole traders and partnerships.
     

    Under the GDPR, you have the right to ask us to restrict our processing of your personal information, under the following conditions:

    • You believe the personal data held by us is inaccurate (if you would like to correct any of your personal details, please call us on 0818 724 724 or drop into any branch);

    • You have objected to the use of your information and we are addressing your request;

    • We no longer need your data for the purpose for which you gave it to us – but you need to establish, exercise or defend legal claims; or

    • The use of your information is unlawful but you do not wish to have your information erased;

                                                                                                                                       

    How can I exercise my Right to Restrict?

     

    In order to exercise your right to restrict processing, you must complete a right to restrict form which is available at any Branch or may be downloaded here.

    You must complete the form ensuring all mandatory (marked with an asterisk*) fields are filled and present the completed form at any branch with a valid form of ID.


    In the event that you are unable to present the form in person, the completed form can be posted to any AIB branch along with a valid form of photo ID and proof of address.

     

     

    How long will it take to process my request?

     

    This can vary depending on the complexity of the right to restrict request. Typically, this should take up to one month.

     

     

    Will AIB let me know that my Right to restrict request has been received? 

    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.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Right to object to processing

    What is the Right to Object?

    The right to object only applies to identifiable living individuals, personal customers, personal business customers, sole traders and partnerships.

    Under the GDPR, you have the right to object to us processing (including automated decision making) your personal information, where the processing: 

    • Is carried out in the legitimate interests of us or third parties;

    • Is for the purpose of direct marketing (you can opt out of direct marketing at any time in branch, through internet banking or by calling 0818 724 724); or

    • Is for scientific or historical research purposes

     

    Are there any exemptions to Right to Object?

    Yes. There are some exemptions. Some of these exemptions are:

    • Your right to object to processing based on legitimate interests will not apply if we can show compelling, legitimate reasons for the processing of your information which takes priority over your rights or we need to process it for establishment, exercise or defence of a legal claim.
       

    • You also have the right not to be subject to a decision based solely on automated decision making, where it has a legal effect on you. However, this right does not apply if the automated decision making is necessary for the entering into or performance of a contract between you and us, or if you have explicitly consented to the automated decision making.


    How can I exercise my Right to Object?

    In order to exercise your right to object, you must complete a right to object form which is available at any Branch or may be downloaded from here.

    You must complete the form ensuring all mandatory (marked with an asterisk*) fields are filled and present the completed form at any branch with a valid form of ID.

    In the event that you are unable to present the form in person, the completed form can be posted to any AIB branch along with valid form of photo ID and proof of address.

     

    How long will it take to process my request?

    This can vary depending on the complexity of the right to object request. Typically, this should take up to one month.

     

    Will AIB let me know that my Right to Object request has been received? 

    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.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Deleting your information (Right to be Forgotten)

    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.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Moving your information (Right to Portability)

    What is the Right to Portability?

    Under the GDPR, the Right to Portability permits you to request your personal data held by us in a digital and portable format.
     

    The Right to Portability only applies to identifiable living individuals, personal customers, personal business customers, sole traders and partnerships.

    Your portability request will include all your personal data which has been:
     

    1. Processed automatically

    2. Processed with the customer’s consent

    3. Processed under the performance of a contract

    4. Provided by the customer (including observed usage of the account)
       

    How can I exercise my Right to Portability?

    You can raise a Portability data request by:

    • Completing a Portability data request form on internet banking  (Internet Banking Home Page > Services & Settings > Personal Data Request)

    • Phoning the contact centre on 0818 303 556 (open Monday – Friday, 09:00 – 17:30) and speaking with an Agent

    • You can also raise a Portability data request by presenting at branch and using in-branch phone banking

     

    How long will it take to process my request?

    This can vary depending on the complexity of the request. Typically, this should take up to one month.
     

    Will AIB let me know that my Right to Portability request has been processed? 

    Yes, AIB will contact you to let you know that your request has been completed which will include instructions for collection. If an invalid request is submitted, AIB will contact you to let you know along with instructions of what is required to resolve the issue.
     

    How will I receive my portability file?

    The digital portability file can only be collected at an AIB branch by you or a nominated third party, prior to collecting the data in branch, you must present a valid form of ID and proof of address.

     

    What happens if I don’t collect my digital portable file?

    Your file will be held in the branch for 28 days. If it is not collected during this time, the file will be securely destroyed.

     

    --------------------End of Accordion---------------------------

-------------------End of Accordion Container---------------------------