Privacy Policy

We are committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, and safeguard your personal data when you interact with us via our website or services. We collect and store data with your consent in order to service existing and new loan applications and adhere to the principles of the General Data Protection Regulation (GDPR) and Data Protection Acts 1988–2018.

Please read the following information which will help you understand how your personal data may be used and your rights in relation to your personal data.

 

1. Information We Collect

Data collected is used to deliver on the service requested by you. We collect relevant and necessary data to perform that function and to ensure compliance with regulatory and legal obligations regarding anti money laundering and required submissions to the Central Credit Register.

 

Personal and credit information on existing and new loans for €500 or more are submitted to the Central Credit Register established by the Central Bank of Ireland under the Credit Reporting Act 2013 (as amended). For more information visit https://www.centralcreditregister.ie/

 

We may collect and process the following types of personal data:

  • Identity Data: Name, date of birth, and other identifying details.

  • Contact Data: Home address, email address, phone number.

  • Financial Data: Bank account details, income, employment information, credit history.

  • Transaction Data: Information about payments and loans you have applied for or received.

  • Technical Data: IP address, browser type, device information, time zone settings, and browsing history on our website.

  • Marketing and Communications Data: Preferences for receiving marketing materials, surveys, and communications from us.

 

2. How We Collect Your Data

We collect personal data in the following ways:

  • Direct Interactions: When you apply for a loan, submit inquiries, or communicate with us by phone, email, or through our website.

  • Automated Technologies: As you use our website, we collect Technical Data through cookies, server logs, and similar technologies.

  • Third Parties: We may receive data from third-party credit reference agencies, business partners, or other publicly available sources.

 

3. How We Use Your Data

We use the information we collect to:

  • Provide Services: Process your loan applications, assess your creditworthiness, manage your account, and provide ongoing support.

  • Improve Our Website: Analise website usage to enhance your experience and improve the services we offer.

  • Communicate with You: Notify you about updates to your loan, send reminders, and respond to inquiries.

  • Legal and Regulatory Compliance: Ensure adherence to legal obligations, such as anti-money laundering regulations and credit reporting laws.

  • Marketing: With your explicit consent, send you marketing communications about our products and services. You can opt-out at any time.

 

4. Legal Basis for Processing

We rely on the following legal grounds to process your data:

  • Contractual Necessity: Processing your data is necessary to perform the contract you enter into with us (e.g., loan agreements).

  • Legal Obligations: To comply with applicable laws, including anti-fraud and anti-money laundering requirements.

  • Legitimate Interests: For business management, fraud prevention, improving our services, and maintaining security.

  • Consent: Where required, we obtain your consent before processing certain types of personal data for marketing purposes.

 

5. Disclosure of Your Data

We may share your personal data with:

  • Service Providers: Third-party companies that assist us with IT services, payment processing, credit referencing, and customer support.

  • Regulatory Authorities: Entities such as the Central Bank of Ireland, Revenue Commissioners, or law enforcement agencies where we are legally required to do so.

  • Third Parties: If we sell or transfer part or all of our business, we may disclose your personal data to the prospective buyer.

We ensure that all third parties with whom we share your data are compliant with data protection laws and only process your data as directed by us.

 

6. Third-party payment service provider

We use Stripe for payments, analytics, and other business services. Stripe may collect personal data including via cookies and similar technologies. The personal data Stripe collects may include transactional data and identifying information about devices that connect to its services. Stripe uses this information to operate and improve the services it provides to us, including for fraud detection, loss prevention, authentication, and analytics related to the performance of its services. You can learn more about Stripe and read its privacy policy at https://stripe.com/privacy.

 

7. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes outlined in this Privacy Policy, and to comply with legal, accounting, or reporting obligations. Typically, we will retain your data for a period of 6 years following the closure of your account or settlement of your loan.

 

8. Your Data Protection Rights

Under GDPR, you have the following rights regarding your personal data:

  • Right to Access: Request access to your personal data and obtain a copy.

  • Right to Rectification: Request correction of inaccurate or incomplete data.

  • Right to Erasure: Request deletion of your personal data where applicable.

  • Right to Restrict Processing: Request restriction of data processing under certain conditions.

  • Right to Data Portability: Request transfer of your data to another service provider in a structured, commonly used format.

  • Right to Object: Object to the processing of your personal data where we rely on legitimate interests for processing.

  • Right to Withdraw Consent: Where we process data based on your consent, you can withdraw that consent at any time.

If you wish to exercise any of these rights, please contact us using the details provided below.

 

9. Security of Your Data

We have implemented appropriate technical and organizational measures to safeguard your personal data from unauthorized access, disclosure, or loss. However, please note that no data transmission over the internet is entirely secure, and we cannot guarantee the absolute security of your information.

 

10. Cookies

We use cookies on our website to improve your user experience. Cookies are small files placed on your device that help us recognize you, understand how you interact with our site, and tailor our services accordingly. You can manage or disable cookies through your browser settings, although some parts of the site may not function properly as a result.

For more details on the cookies we use, please refer to our Cookie Policy.

 

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, regulatory, or operational requirements. We will notify you of any significant changes by posting the updated policy on our website or contacting you directly where required. Your continued use of our services after such updates will constitute acceptance of the changes.

 

12. Contact Us

If you have any questions or concerns about this Privacy Policy, or how we handle your personal data, please contact us at:

Rossbro Financial
Email:  info@rossbrofinancial.ie

You also have the right to lodge a complaint with the Data Protection Commission in Ireland if you believe your data protection rights have been breached.

This Privacy Policy is intended to ensure that your personal data is treated with the utmost care and transparency, in compliance with GDPR and data protection laws.