Privacy Statement

This statement relates to our privacy practices in connection with our website our online account service and our St. Francis Credit Union Limited app.

We are not responsible for the content or privacy practices of other websites.

Any external links to other websites are clearly identified as such. Any exchange of information with third party websites is not covered by this Privacy Statement and users are encouraged to review the privacy statement of any third party before submitting personal information.


Terms and Conditions

This Privacy Statement is subject to the Terms and Conditions of your St. Francis Credit Union products and services.

We recommend that you read the Terms and Conditions for each product and service. If there is a conflict between the applicable Terms and Conditions and this Privacy Statement, our Terms and Conditions shall prevail.

St. Francis Credit Union fully respects your privacy and will not collect any personal information about you without your consent. Any information you volunteer, for example by email or through online feedback forms, will not be made available to third parties, and is used by St. Francis Credit Union only in line with the purpose for which you provided it.

Personal data may be anonymised and used for statistical purposes. In certain circumstances we may be obliged to disclose personal information relating to you to third parties in order to comply with legal requirements.

Information That We Collect From You

Information that you provide to us directly might include personal information such as your name, email address, postal address, telephone number and other personal details. We may also collect non personal information that may identify you such as location, IP address, browser type, operating system and other details about the device you are using.

We may collect and process the following information about you:

  • Information provided at the time of registering to use our online banking services or to register to use the mobile app.
  • Information that you or others provide by filling in forms on our website or which you or they otherwise provide to us.
  • Any instructions we accept from you or transactions we undertake to which you are a party, whether through our website, app, branches or otherwise.
  • If you contact us, we may keep a record of that correspondence.
  • Telephone calls may be recorded. This is to verify your information, for our staff training, regulatory and for service quality purposes.
  • Information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.
  • Our web server collects information about your visit, for example:
    • number of people who visit the website;
    • date and time of visits;
    • number of pages viewed;
    • amount of time spent on the website;
    • popular sections of the website.
  • Personal data may be anonymised and used for statistical purposes.
  • In certain circumstances we may be obliged to disclose personal information relating to you to third parties in order to comply with the requirements of law.

We would encourage you to ensure that your details are up to date, accurate and complete.

We will be reviewing all data that is supplied/obtained and any data which is not necessary or no longer necessary will be deleted.

Location Enabled Services

In certain circumstances our location enabled services require your location to function and if you wish to use such features you will be asked to consent to your data being used for this purpose. This consent may be withdrawn at any time.

How We Use Your Personal Data

We use your personal data to provide our services to you. Where you have consented we may also use your information to send you promotional offers and marketing. You are free to withdraw this consent at any time. We respect your privacy at all times. Your information will never be disclosed or shared with others without your consent, unless required to do so by law.

The credit union will use your personal data to assist it in carrying out the following:

  • To open and maintain an account for you.
  • Meeting legal and compliance obligations and requirements under the Rules of the Credit Union, the Credit Union Act, 1997 (as amended) and Central Bank Regulations.
  • To contact you in respect of your account and any product or service you avail of.
  • To comply with our legal obligations for example anti-money laundering and beneficial ownership obligations.
  • Administering any applications for services or products you may make and to ensure the provision of that service or product to you.
  • In assessing your loan application and determining your creditworthiness for a loan.
  • Verifying the information provided by you in the application.
  • In order for the credit union to purchase loan protection and life savings protection from ECCU.
  • Conducting credit searches and making submissions to the Central Credit Register.
  • Administering any loan/overdraft applications you may make or any loans/overdrafts you may have with us, including where necessary, taking steps to recover the loan or enforce any security taken as part of the loan.
  • We may use credit scoring techniques and other automated decision making systems to either partially or fully assess your application.
  • To comply with Central Bank Regulations to determine whether you are a connected borrower or related party borrower.
  • Providing updates on our products and services by way of directly marketing to you.
  • When acting as an insurance intermediary, to meet our obligations.
  • When acting as in the provision of insurance on an introductory basis to meet our obligations.
  • In order to process payments that are paid to you or by you. For example, if you hold a debit card with us, we will share transaction details with our card scheme providers (e.g. PAYAC, Transact Payments Malta Limited and Mastercard) or other providers of payment processing services such as merchant acquirers and Intesa San Paolo for the provision of credit transfers and direct debits .
  • For the prevention of fraud

We may use anonymised or statistical information to analyse our website and services and to make improvements or other adjustments to them. We do not, without your consent, disclose information about identifiable individuals to third parties, but we may provide anonymised statistical data to them for research, regulatory and survey purposes.

We may disclose your personal information to approved contractors or sub-contractors working on our behalf.

We may also disclose your personal information to third parties if;

  • we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms and other Agreements; or to protect our rights, property, or safety and that of our users, or others or;
  • as part of a due diligence exercise or audit exercise.

Personal Information You Provide To Us

Any personal information gathered from you will be managed in line with our Privacy Notice. Our Privacy Notice explains how your personal information will be managed and used by us and contains details on your privacy rights.

If you ever decide that you no longer wish us to keep or use information or you want the information to be revised or updated, please feel free to contact us using the contact details in our Privacy Notice. We will remove or amend the information as appropriate in accordance with applicable legislative and regulatory requirements.

Sharing or Disclosing Information Your Personal Data

Whilst we will never disclose or share your data with others without your consent, unless complied to by law, we use third party processors to provide our services; these companies will process or store your information on our behalf.

We use the following third parties:

We ensure all processors acting on our behalf act in accordance with this privacy notice.

Data Changes & Data Retention

If at any time you decide that you no longer wish us to hold the personal information provided, or in the case that the information changes or becomes inaccurate, you should notify us by phone, email or post using the contact details below and we will remove or rectify the information as soon as practicable and in any event within 30 days of a written request being received. We only retain personal information for as long as is necessary. For further details on our specific data retention periods please contact us. Where you have consented to us to use your details for direct marketing, we will keep this data until you notify us or otherwise withdraw your consent.

Security & Safeguarding Measures

All personal data collected is transferred and stored securely, using industry standard encryption protocols, and approved transfer mechanisms. Please note however, that we cannot guarantee that the measures we maintain will guarantee the security of the information. Our team is trained on the importance of Privacy and Data Protection and will adhere to our internal policies.

International Transfers

St. Francis Credit Union aims to ensure your data is stored within the EU, however this may not be possible at all times due to the international third parties that we use. Where these transfers take place, we will ensure the same high standard of protection for your personal data at all times.


Our Banking app

Use of Information when Logging On to our St. Francis Credit Union mobile app

When you log into our mobile app we will collect information about you and your use of our services. For example we will be able to identify you as a member, what pages you navigate to and your actions while logged in. This helps us to optimise the service we provide to you, deliver relevant communications to you and allows you to get the most out of your mobile app.

Push Notifications on the St. Francis Credit Union Mobile Banking App

Push notifications are messages that mobile apps send to your mobile device to improve your interaction and experience with us. You may receive notifications about services, offers and product information based on your location and your preferences. Upon download or upgrade of the mobile banking app you will be asked for permission to switch on location and notification services.

Security of information

We understand how important the security and the confidentiality of your information is to you. St. Francis Credit Union treats the security of your information with the utmost importance. Please note that St. Francis Credit Union cannot guarantee the privacy or confidentiality of information relating to you passing over the Internet.

By using any of the services/information available on or via our website or app, you accept and are deemed to accept that electronic mail messaging and Internet communication may not be free from interference by third parties and may not remain confidential. The use by you of our websites or apps is at your sole risk.

How you can protect yourself:

  • Never reveal your password to anyone
  • Never give your PIN or login details to anyone who calls you or in an email or by text message
  • Never login to any mobile banking channel through a link in an email
  • Only download our mobile banking Apps from official sources (i.e. Apple App Store and Google Play)
  • Lock your phone or tablet when inactive
  • Monitor your accounts, debit card and your list of online payees on a regular basis to ensure everything is in order. One of the best ways to detect fraudulent activity quickly is by examining your account activity regularly. Check for suspicious money transfers, payments or unauthorised access.

If you do find anything suspicious, report it to us at one of our branches or by telephone call to (065) 6828305. Our mobile banking app always displays the date and time of your last log in, check this is correct. When you are finished using our mobile app or online account service ensure that you log out fully.

Be Fraud Aware, Protect Your Account – St. Francis Credit Union (


Recently a number of financial institutions including credit unions and their members have been targeted with members receiving hoax e-mails and text messages that are aimed at gathering Internet/account details of members. Some of these hoax e-mails and text messages have encouraged or facilitated contact with hoax websites that purport to be (but are not) a credit union website. You can only download our app from the Apple store or from Google Play. Always be cautious of disclosing your personal details.

We only request your personal details if you initiate e-mail contact with us, or you initiate a request for a particular service online and we require personal details to provide you with the requested service e.g. a loan or current account application or an application for another product or service.


Some of the pages on our websites and/or online app may contain hyperlinks to third party websites which are not maintained by us.  You are reminded that different terms and conditions of use will apply as a user of such websites.

Transparency and choice

People have different privacy concerns. Our goal is to be clear about what information we collect, so that you can make meaningful choices about how it is used.

Your Rights

Under GDPR you have the right to access personal information that St. Francis Credit Union processes about you. You can request from us information about –

  • The personal data we hold about you
  • The categories of personal data concerned
  • The purposes of the processing
  • Details to whom your personal data has/will be disclosed
  • How long we retain your personal data
  • If we did not collect the data directly from you, information about the source

You may also request from us the following-

  • That we update any incomplete or inaccurate data about you
  • Request that we delete your personal data in accordance with GDPR

You may request we action your rights by contacting the Data Protection Officer for St. Francis Credit Union Ltd on 065 6828305 or by email at or at our address at Friars Walk, Ennis, Co. Clare, Ireland. V95 P903. To ensure your data is protected, if we receive a request from you to exercise your rights, we will ask you to verify your identity before acting on the request.

Disclaimer While every care has been taken in compiling the information contained on this website, we do not make any representations as to the completeness, accuracy or up-to-date nature of such information. We do not accept any liability for any loss or damage arising directly or indirectly from reliance on any of the contents on this website. We do not guarantee or warrant that the use of this website, or any material downloaded from it or any website linked to will not cause damage to property including but not limited to loss of data or computer virus infection. In no event will we be liable for any direct, indirect or consequential loss arising from the access, use or performance of this website or any of its contents. No document on this website is a legal interpretation and should not be seen as such. The information contained on this website is of a general nature and appropriate professional advice should be sought before acting or refraining to act in relation to a specific issue. Viewing any of the pages on this website automatically binds you to these legal conditions. St. Francis Credit Union does not endorse the usage of any of the social networking websites mentioned on this website nor does it take any responsibility for the content contained on them.


Cookies are small pieces of information, placed on your device by us when you visit a website or use an app belonging to us. Some of these cookies can be recognised by websites when you visit them. This can help keep track of your preferences, and also helps us keep our website and apps secure.

We may obtain information about your general Internet usage by using a cookie file which is stored on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive. They help us to improve our website and to deliver a better and more personalised service. Some of the cookies we use are essential for the Website to operate.

When you visit our website for the first time you will be asked to indicate your Cookie preference. You can also block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be to access all or parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit the website and consent to the use of same.

Cookie Types

Necessary Cookies

These allow you to move around and access secure areas of our websites and apps. Without them, we cannot provide the online services you may want. You do not need to give us consent for necessary cookies to be used – they will be set automatically if you use our website or apps. You can find the necessary cookies that we use on each website in our cookies policy which is available below.

Preferences Cookies

These allow our websites to remember choices that you have made on previous visits. This could include things like your preferred language, or changes you’ve made to the size of the text on a specific page. They can keep track of your progress when you’re completing online application forms. Preference cookies can also be used to provide services you’ve asked for, like watching a video or using live chat on our website. You can find the ones we use on each website in our cookies policy which is available below.

These cookies collect information about how you use our websites. They tell us which pages you go to most often, and whether you get error messages from web pages. All information stored by performance cookies is aggregated and does not personally identify you. You can find the performance cookies we use on each website in our cookies policy which is available below.

Marketing Cookies

Advertising cookies (also called targeting cookies) help us shape our advertising and make it more relevant to you. We and our third party advertising partners use these cookies to understand what you’re interested in on our website, and to identify what other sites may have directed you to us. If you do not allow these cookies, you may experience less targeted advertising.

For More information please refer to our Cookie Policy.


No member of St. Francis Credit Union Limited or any of its directors, contractors, agents or employees accepts any liability for any loss or damage of any nature, including but not limited to loss of profits, goodwill, or any other type of financial or other pecuniary or direct or special indirect or consequential loss howsoever arising whether in negligence or for breach of contract or other duty, arising out of or in relation to the use and/or dissemination of personal information relating to you where such use and/or dissemination of information is done in accordance with this Privacy Statement and the Terms and Conditions of Use (in the event of conflict the Terms and Conditions of Use shall prevail).