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Privacy Notice

Privacy Notice of the Irish League of Credit Unions (ILCU) Website – Public Section

For 'the ILCU website' /ilcu.ie

Background

The ILCU is a trade and representative body for credit unions in Ireland and Northern Ireland. We provide professional and business support services such as marketing and public affairs representation, monitoring, financial, compliance, risk, learning and development and insurance services to affiliated credit unions.

The purpose of this website privacy notice is to inform you of what personal data of yours we process when you access the ILCU website. When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalised web experience. Because we respect your right to privacy, you can choose not to allow some types of cookies. A description of each category is given below. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.

If you are redirected away from this website to another website, then you should read the Privacy Notice displayed on that website. Below are the instances when we might process your personal data as a result of your use of the ILCU website:

  • Website Analytics

  • Clued-In Resource 

  • Cookies

  • Social Media Channels  

  • SPS

Website Analytics

What personal data is processed and why?

The ILCU collects and processes certain information relating to your use of the website for the purposes of monitoring website traffic, maintaining the security and functionality of the website, understanding how visitors use the website and improving the user experience.

The information collected may include:

  •       the number of visits and page views;

  • pages viewed and navigation paths;

  • session duration and time spent on individual pages;

  • device type, browser, operating system and other technical information;

  • IP address and other technical identifiers;

  • referring URLs; and

  • other technical and usage information generated through your use of the website.

This information is used to understand general patterns of website usage and performance and to assist the ILCU in maintaining and improving the website and the services and information made available through it.

Lawful basis

The ILCU processes this information on the basis of its legitimate interests in monitoring the use and
performance of its website and maintaining, securing and improving the website and the services and information made available through it.

Where analytics technologies require your consent, we will obtain your consent before those technologies are used. You can withdraw your consent at any time by changing your cookie
preferences.

Retention

Website analytics information is retained only for as long as is necessary for the purposes outlined above and in accordance with the ILCU's Records and Retention Policy.

From what source?

This information is collected
automatically when you visit and use the ILCU website, including through
cookies and similar technologies where applicable.

To whom do we share your data?

The ILCU may share this information with trusted third-party service providers who assist us with the operation, hosting, maintenance and analysis of the website. These providers process personal data on behalf of the ILCU and under appropriate contractual safeguards.


Clued-In Resource

Clued-In is a resource aimed at second level students which explains personal finance in a concise, easy to follow, engaging format. This resource is designed primarily for delivery by teachers in a classroom setting, and enables teachers or other personnel to download the resource in order to provide key information in relation to personal finance to young people.

Processing Activities

In order to allow subscribers to register on the website and to download the Clued-In material, the ILCU will process the information relating to the subscriber, such as:

•             Name

•             Email address

•             Name of school & county it is located in

We may email you with regard to updates to the Clued-in Programme (including updated information about how we process your personal information). If at any stage you no longer wish to receive this information or remain registered on the Clued-in website, you can tell us at any time by contacting us at: communcations@creditunion.ie.

Lawful basis

Consent - we process this information you provide to us when registering for this website.

Retention

We will retain this information for as long as you remain registered with this website. If at any stage you no longer wish to remain registered on the Clued-in website, you can tell us at any time by contacting us at communcations@creditunion.ie and will we remove your registration details.

From what source?

The data is obtained directly from you upon registration.

To whom do we share your data?

We do not share your data with any third party and we do not transfer your personal data outside the EEA.

Cookies

What are cookies?

Cookies are small text files that are sent to and stored on your computer, smartphone, tablet or other device for accessing the Internet, whenever you visit a website or use on-line apps. The lifespan of some cookies varies in that some just last for the time that you spend website (sessional cookies) and some persist on your device for longer pre-set periods of time (persistent cookies). Cookies are also set on this website by third parties. Not all cookies collect personal information about you, and your personal data will be anonymised where at all possible. For example, your IP Address will be anonymised before being accessed by Google Analytics.

See our Cookie Policy for a full list of cookies employed, what their purpose is and how long they persist.

Social Media Channels

Some of the pages on this website contain hypertext links to websites not maintained by the ILCU. You are reminded that different terms and conditions of use will apply to you as a user of such websites. In addition you should read the Privacy Notice displayed on those websites. Similarly, you should familiarise yourself with the privacy policies of social networks linked to this website. The privacy policies, statements and guidance published by Social Media Networks apply to your use of ILCU Social Media Channels and we encourage you to read the privacy policies and guidance published on each Social Media Network that you use, as these make important disclosures about how the Social Media Networks separately collect, hold and may use your content and information.

Under no circumstances should you provide any credit union account details or other sensitive personal or financial information when using ILCU Social Media Channels. You may however choose to provide us with non-sensitive personal information, such as your name and contact details, if you contact us via direct message. If you do, we will use your personal information solely to respond to and deal with your comments or queries or for such other purpose for which it is provided. Your information will not be used for any other purpose.

If you use ILCU Social Media Channels, enter draws or competitions, or post comments, photographs or other content we may ask for your consent to use your personal data for all or any of the following purposes:

·   To publish content you post to ILCU Social Media Channels together with the identifying information you provide in connection with the content.

·     To use content you post to participate in draw or competitions as appropriate to the conduct of such promotions. We may request that promotion winners take part in promotional activity and we may ask to use their information, including their names and the contents of their submissions, in any publicity both online and in any other media.

We may use any ideas or suggestions submitted to us through our social media channels without any further permission from you or compensation to you and you hereby agree to allow any such material to be re-used or quoted by us without further notification to you.

You hereby grant us a perpetual, royalty free, irrevocable licence to use, modify, reproduce, translate, publish, adapt, display and distribute in any format material and content posted by you through our social media channels.

 Use of ILCU Social Channels – Terms of Use

  1. You access ILCU social media channels at your own risk and the ILCU is not liable or responsible for any loss, or damage howsoever arising as a result of your use of our social media channels.

  2. While the ILCU has official profiles on social media sites, we do not endorse any social media site. In addition and without limitation, the ILCU does not endorse or approve either expressly or by implication any third parties or their advice, opinions, information content, product or services which may appear on our social media profiles including any advertisements and or link to third party sites.

  3. If you are unable to access the social media site, it is the responsibility of the social media site to resolve the matter. ILCU is not liable or responsible for any loss or damage that you may incur arising from the unavailability of the social media site.

  4. You may not use our social media channels for any illegal or improper purpose.

  5. We reserve the right and have absolute discretion to screen, review, edit and monitor any content or material posted through our social media channels. We may, at our discretion, refrain from publishing material posted by you. In addition we may at our sole discretion at any time and without any notice or liability to you remove any material or content posted by you.

  6. You are fully responsible and liable for any material you post through our social media channels and ILCU is not liable or responsible for any content posted through our social media channels by any third parties.

  7. When posting on our social media profiles, you must be respectful, considerate, polite, honest, accurate and relevant.

  8. You may not post any material which is confidential, breaches contractual obligations or the rights of any third party.

  9. You agree not to post any material which:

    i  is threatening, defamatory, obscene, indecent, offensive, pornographic, abusive, discriminatory, menacing, scandalous, inflammatory, blasphemous or liable to incite racial hatred, encourages, promotes or constitutes conduct that is a criminal offence; or

ii may be technically damaging to our social media channels.

  1. We reserve the right and have absolute discretion to screen, review, edit and monitor any content or material posted through our social media channels. We may, at our discretion, refrain from publishing material posted by you. In addition we may at our sole discretion at any time and without any notice or liability to you remove any material or content posted by you. You access ILCU social media channels at your own risk and the ILCU is not liable or responsible for any loss, or damage howsoever arising as a result of your use of our social media channels. 

Stabilisation Protection Scheme (SPS) –

The ILCU operates a Stabilisation Protection Scheme (SPS) which provides support, financial or otherwise to assist affiliated credit unions under the administration of a sub-committee of the League board, and under the supervision of the Stabilisation Oversight and Advisory Committee. This support can include assistance to credit unions undertaking a transfer of engagements or on a standalone basis to help credit unions trade out of difficulty. In providing SPS support, the ILCU enters into certain funding agreements with the credit union. As part of the operation of the SPS, the ILCU has a monitoring function, whereby representatives of the ILCU will engage with our member credit unions to help ensure the safety and soundness of the credit union. The ILCU is committed to respecting the rights of those people whose data we process and this notice is to provide transparency and information about the processing of personal data necessary for the operation of the SPS scheme. Please click here to view our SPS Privacy notice.

What Are Your Rights

You have the right to:

1.    Ask us to change information you think is wrong.

2.   Ask us to remove information when it’s not needed anymore.

3.  Object to processing of your personal data where we are relying on a legitimate interest and there is something about your particular situation which makes you want to object to processing on this ground.

4.   Tell us you don’t want your information to be processed.

5.  Where we are processing your data based solely on your consent you have a right to withdraw that consent at any time and free of charge.

6.  Request that we:

a.  provide you with a copy of any relevant personal data in a reusable format; or

b. request that we transfer your relevant personal data to another controller where it is technically feasible to do so.

Data Sharing

We are committed to ensuring that your personal data is processed with the utmost care and in compliance with all applicable data protection laws. We do not sell or trade your personal information to third parties. However, in certain circumstances, we may share your data with trusted third parties, as outlined below:

  • Credit Unions Affiliated with ILCU: We may share your personal data with affiliated credit unions to facilitate the provision of services, support, or information requested by you. This is done under strict confidentiality to ensure your data is safeguarded.

  • Service Providers and Partners: We work with third-party service providers who assist us in delivering our services. These providers include IT service providers, payment processors, marketing agencies, and professional advisors. All third-party service providers are contractually obligated to process your data solely on our behalf and in compliance with the GDPR.

  • Regulatory and Legal Obligations: We may share your data with regulatory authorities, law enforcement, or other government bodies when required by law or to comply with a legal obligation.

  • Professional Advisors and Auditors: Your data may be shared with professional advisors such as auditors, accountants, or legal consultants where necessary for legitimate business purposes and under strict confidentiality obligations.

  • Your Consent: We may share your data with third parties in circumstances where you have provided explicit consent. You can withdraw your consent at any time.

  • Data Transfers Outside the European Economic Area (EEA): In cases where your data is transferred outside the EEA, we ensure that adequate safeguards are in place to protect your information, such as standard contractual clauses approved by the European Commission or equivalent legal mechanisms.

·       We ensure that all third parties with whom we share your data adhere to the same strict data protection standards that we uphold.

Lawful Basis for Processing Data

The lawful bases on which we process your data include:

Consent: We rely on your consent for certain types of data processing, such as subscribing to our newsletters, submitting queries via contact forms, or accepting cookies for analytics purposes. You can withdraw your consent at any time by contacting us or adjusting your cookie preferences.

Contractual Necessity: When you engage with us for services or information, we process your data to fulfil contractual obligations or to take steps prior to entering into a contract. For example, this may include processing your data to respond to inquiries or provide resources you request.

Legal Obligation: In some cases, we are required to process your data to comply with legal obligations, such as responding to regulatory or statutory requests.

Legitimate Interests: We process certain data based on our legitimate interests, provided those interests are not overridden by your rights and freedoms. These legitimate interests include:

Ensuring the security and functionality of our website.

  • Enhancing your user experience by analysing how you interact with our site.

  • Responding to inquiries and providing services to you.

  • Operating, securing and improving the AI Chatbot and Affiliate Section of the website.

Data Security

We will take all steps reasonably necessary to ensure that all personal data you provide to us will kept securely. In particular, we have put in place appropriate physical, technical, and organisational procedures to safeguard and secure the data we process.

Our security measures include:

  • Access Control: Access to personal data is restricted to authorised personnel only, and strict confidentiality agreements are in place.

  • Secure Hosting: Our website is hosted on secure servers with robust protections against cyber threats.

  • Regular Monitoring and Testing: We conduct routine security assessments, including vulnerability scans and penetration testing, to identify and address potential risks.

  • Staff Training: Employees handling personal data receive ongoing training to ensure compliance with data protection laws and best practices.

Getting in touch

The ILCU has appointed a Data Protection Officer who can answer your queries and respond to your requests in respect of any of your rights. Please contact in writing Data Protection Officer or email dpo@creditunion.ie marked for the attention of the DPO.

If you want to speak to somebody else, you can call the people who make sure that organisations like us are looking after your information correctly. Their contact details are set out below.

IF YOU ARE BASED IN REPUBLIC OF IRELAND, PLEASE CONTACT THE DATA PROTECTION COMMISSIONER (DPC)

Web Contact: https://dataprotection.ie/en/contact/how-contact-us

Postal Address: Data Protection Commission, 21 Fitzwilliam Square South, Dublin 2, D02 RD28, Ireland

IF YOU ARE BASED IN NORTHERN IRELAND PLEASE CONTACT THE INFORMATION COMMISSIONER’S OFFICE (ICO):

Telephone: 028 9027 8757 or 0303 123 1114

Email: ni@ico.org.uk

Postal Address: ICO, 3rd Floor, 14 Cromac Place, Belfast, BT7 2JB