Finance

The information that you provide on this application will be forwarded to Ulster Bank Ireland DAC trading as Lombard, a member of the Irish Finance Houses Association. This information will be used by them for the purposes of assessing your eligibility for Lombard car finance products and potentially offering you a product or quote.
All information provided by you will be securely provided to the motor dealer selling the car so that they can contact you to discuss your car purchase and finance. The motor dealer may need to gather additional information you if requested to by Ulster Bank Ireland DAC trading as Lombard.
How we will use your information
Before continuing with this, please read the information below which explains how we (Ulster Bank Ireland DAC trading as Lombard) and others will use your personal and financial information during this process. When we use and share personal and financial information, we do so on the basis that we have a legitimate interest to prevent fraud and money laundering, to manage our risk and to protect our business and to comply with laws that apply to us (including verifying your identity and assessing the suitability of our products). For full details about how we use the personal and financial information of our customers, please see our full Privacy Notice at www.ulsterbank.ie/privacy
Who we are
The organisation responsible for processing your personal and financial information is Ulster Bank Ireland DAC, a member of The NatWest Group ("NW").
How we will use and share your information
(a) Central credit register, credit reference and fraud prevention agencies
We may request information about you from the Central Credit Register and credit reference agencies to check your credit status to help assess what product you are most suitable for and/or your ability to repay any credit. They may keep a record of our request(s) and this may affect your ability to obtain credit elsewhere. If you choose a car from a different dealer another credit check will be required.
Credit scoring and other automated decision-making processes may be used.
Application decisions may be taken based on solely automated checks of information from the Central Credit Register, credit reference agencies, internal NW records and information you provide to us. You have rights in relation to automated decision making. If you want to know more please see our full privacy notice at www.ulsterbank.ie/privacy or contact as at Republic of Ireland 1800 283062, from abroad 00353 0 804 7475.
In order to prevent and detect fraud and/or money laundering, the information provided in this application may be checked with fraud prevention agencies. If fraud is identified or suspected details may be recorded with these agencies to prevent fraud and money laundering.
If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing to you.
When the Central Credit Register, credit reference and fraud prevention agencies process your information, they do so on the basis that they have a legitimate interest in preventing fraud and money laundering, to protect their business and to comply with laws that apply to them. Further information about the Central Credit Register and credit reference agencies and how they use personal information, can be obtained from the Central Credit Register ( www.centralcreditregister.ie ) and the Irish Credit Bureau (www.icb.ie ).
(b) With other NW companies
We and other NW companies worldwide will use the information you supply in this application (and any information we or other NW companies may already hold about you) in connection with processing your application and assess your suitability for our products.
If your application is declined, we will normally keep your information for up to 1 year, but we may keep it for longer if required by us or other NW companies in order to comply with legal and regulatory requirements.
We and other NW companies may use your information in order to improve the relevance of our products and marketing.
(c) With other Third Parties
The information provided in this application may be used for compliance with legal and regulatory screening requirements, including confirming your eligibility to hold this product and sanctions screening.
We may be required to disclose certain information to regulators, government bodies and similar organisations, including the name, address, tax number, account number(s), total gross amount of interest paid or credited to the account and the balance or value of the account(s) of our customers to the Office of the Revenue Commissioners. The Office of the Revenue Commissioners may exchange this information with other countries tax authorities.

You are aware of your rights under the Central Reporting Act 2013 that you have a right to;

• Obtain copy of your credit report;
• Add an explanatory statement to your credit report;
• Apply to have your information corrected or updated;
• Place a notice of suspected impersonation on your credit report;
• You are aware of the Credit Scoring Guide; A guide to credit scoring (PDF, 120 KB)
NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements
Warning: if you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating.
IMPORTANT CUSTOMER NOTICE: Ulster Bank Ireland T/A Lombard is notifying you that the Bank has commenced a phased withdrawal from the Irish banking market, which will likely result in the transfer of your product to another provider

By ticking this box, I confirm that:
• All information provided on this application is complete and accurate.
• I confirm that I have read and understood how my personal data will be used as outlined above and in the UBIDAC Privacy Notice
• I have read and accept the information above