We will collect and process your Personal Data, and other information in relation to your dealings with us, in connection with An Post Money. This privacy statement explains how we will manage your Personal Data connected with An Post Money, why we use it, and how you may contact us.
An Post Money is the term An Post uses to cover all financial services offered by An Post. These services include current account services, loans, credit cards and currency cards
Where we need to process your Personal Data in connection with An Post Money, or where we have a legal obligation to collect certain Personal Data relating to you (for example, in order to comply with our AML obligations), we will not be able to provide you with the product or service which you have requested if you do not provide this information to us.
We trust that you appreciate we respect your right to privacy and that our honesty and integrity shall mean that you will continue to trust us with your Personal Data, knowing that we will not use it for any inappropriate purpose.
Types of information we collect
Personal Data means any information which we have or obtains or which you provide, such as your name, address, PPSN (this has to be provided when applying for a loan or a credit card) e- mail address, telephone number(s) and date of birth, from which you can be directly or indirectly personally identified, and includes information such as identification, tax references, account numbers, IP addresses and online identifiers. Some of this Personal Data may be “Special Category” Personal Data, such as data revealing your racial or ethnic origin, political opinions, or trade union membership, data concerning health or data concerning a natural person’s sex life or sexual orientation.
We may also collect certain statistical and other analytical information collected on an aggregate basis relating to all visitors to our website. This Non-Personal Data comprises information that cannot be used to identify or contact you, such as demographic information regarding browser types, mobile device equipment, mobile network and other anonymous statistical data involving the use of our website. We collect this information to help us monitor traffic and enhance your experience of our website.
How we obtain your Information
We will obtain some of your Personal Data directly from you, such as when you complete an application form for any of the An Post Money services, either online or at the Post Office, when you transact with any of your An Post Money accounts, including through our website or the An Post Money Current Account App, and where you enter your details into our online forms (e.g. ‘Download an An Post Money Current Account Info Pack’, ‘Apply for an An Post Money Current Account today’, ‘Apply for a credit card today’, ‘Apply for a loan today ‘, ‘Apply for a currency card today’, or ‘Request a Call Back’).
We may also obtain some of your information indirectly, from a variety of sources, such as your joint account holder(s), and / or our service providers, such as vendors providing anti-money laundering and sanctions checking databases. We may also obtain some of your information from our credit card providers, currency card providers or loan providers.
Why we hold and how we use your Information
We will use your Personal Data, but only to the extent necessary:
- for the purposes of performing the contract you have entered into with us where you have
opened an An Post Money Current Account, applied for a credit card, applied for a loan or applied for a currency card namely:
(a) for the purposes of providing services to you, and setting up and administering your An
Post Money Current Account, credit card facility, loan facility or currency card facility;
(b) to facilitate you in accessing your An Post Money Current Account, your credit card
account, your loan account or your currency card online in a secure manner where we have agreed to give you access to the An Post Money online service;
(c) to contact you if required in connection with, or to deal with queries, complaints or
suggestions in relation to, your An Post Money Current Account, your credit card account, your loan account or your currency card or transactions on or relating to your An Post Money Current Account, your credit card account, your loan account or your currency card;
- where you have consented to our use for a particular purpose, such as for marketing (see
Marketing Preferences below). If you do give your consent for us to use your Personal Data for a particular purpose, you have the right at any time to withdraw your consent to our future use of your Personal Data for some or all of those purposes by writing to us at the address set out under “Contact Us” below.
- for compliance with our legal obligations, including:
(a) anti-money laundering and anti-terrorist financing (collectively “AML”) and fraud prevention
purposes. This may include the collection and processing of Special Category Personal Data in connection with our obligations under applicable AML laws. Any Special Category Personal Data will only be used and disclosed, as necessary, for such purposes;
(b) compliance with applicable tax and regulatory reporting obligations;
(c) where we are ordered to disclose information by a court with appropriate jurisdiction;
(d) recording of telephone calls and electronic communications in order to comply with applicable
law and regulatory obligations;
- where our use is for a legitimate purpose of the An Post Group, including: (a) for day to day operational and business purposes, including board and group reporting and
(b) taking advice from our external legal and other advisors;
(c) to help us improve our services and systems, and to improve your experience on our web and
(d) to undertake market research, statistical and product development analyses;
(e) to provide you with information in relation to the An Post Money and certain selected third
parties, where we are permitted to do so (please see “Marketing Preferences” below for further information); and
(f) in deciding what marketing information to send to you and to make it more relevant to you
(please see “Making Marketing Relevant to You” below for further information);
(g) the reorganisation or sale of the whole or part of our or An Post Group business;
- where necessary to establish, exercise or defend our or An Post Group legal rights or for the
purpose of legal proceedings; and
- for such other purposes as were notified to you at the time you provide the information to us.
When we disclose your Information
We will not disclose any of your Personal Data to any third party, except as outlined above and / or as follows:
- where the disclosure is necessary to enable us to carry out our obligations under our
agreement with you;
- to verify the authenticity of documentation provided to us (for example, we may use external
databases and other address verification tools to verify a customer’s identity) 3. where we need to provide the Personal Data to counterparties to transactions entered into by
- in the case of a joint account, to the other account holder(s);
- to anyone providing a service to us or acting as our agents, which may include either
companies within the An Post Group or third party service providers, on the understanding that they will keep the Personal Data confidential;
- where we need to share your Personal Data within the An Post Group or with our auditors, and
our legal and other advisors;
- to any (or any proposed) assignee, transferee, or successor in title to the whole or any relevant
part of our business, and their respective officers, employees, agents and advisers; and
- if the disclosure is required by law or regulation, or court or administrative order having force
of law, or is required to be made to any of our regulators.
Recipients of your Personal Data
In any case where we share your Personal Data with a third party data controller (including, as appropriate, counterparties to transactions on any of your ), the use by that third party of the Personal Data will be subject to the third party’s own privacy policies.
Many of the countries will be within the EEA, or will be ones which the European Commission has approved, and will have data protection laws which are the same as or broadly equivalent to those in Ireland.
However, some transfers may be to countries which do not have equivalent protections, and in that case, we will use reasonable efforts to implement contractual protections for the Personal Data. While this will not always be possible where we are required to transfer the Information in order to comply with and perform our contract with you or where we have a legal obligation to transfer the Personal Data, any transfers will be done in accordance with applicable data protection laws, including through the implementation of appropriate or suitable safeguards in accordance with such applicable data protection laws.
An Post Money Current Account Online and An Post Money Current Account App When you open an An Post Money Current Account, you will be provided with a 10 digit number (your “User ID”) which will enable you to register for An Post Money Current Account online services. The information which you provide as part of your log in to An Post Money Current Account online services (e.g. your User ID and your 5 digit self-select PIN) is not retained by us when access is gained to An Post Money Current Account online services.
To start using the An Post Money Current Account App you must have provided your e-mail address, your mobile phone number and your mother’s maiden name when applying for an An Post Money Current Account. You must also be registered for An Post Money Current Account online services.
During activation of the An Post Money Current Account online services and the An Post Money Current Account app, we will use your Personal Data to transmit an authentication code to the mobile number you provided in your application to open an An Post Money Current Account. Any information that is gathered in respect of transactions on your An Post Money Current Account is retained by us for the sole purpose of operating your account.
When logging on to separate credit card and loans portals the customer will be given the opportunity to create their own log-in credentials. These credentials will be managed by Avantcard who will be providing the credit card and loan facility.
An Post currency card customers may also download an App with a view to managing their currency card account online.
A cookie is a small piece of information which is transferred to your computer’s hard disk from a website. Cookies can store information about your preferences and other information which you need when you visit the website.
Please note that we may monitor and record telephone calls made to and from us for fraud and crime prevention, to assist in improving customer services, to evidence instructions or to prevent or resolve disputes. We will also monitor and record calls if we are obliged to do so by any service regulator.