The right to erasure, also known as the right to be forgotten, permits you to request that we remove any personal information relating to you from our records if one or more of the following apply:
- your personal information is no longer required in relation to the purposes for which it was collected/processed;
- the processing was based on your consent, which you withdraw and there is no other legal basis for processing your personal information;
- you exercise your right to object and there are no overriding legitimate grounds for the processing;
- your personal information has been unlawfully processed; or
- your personal information needs to be erased to comply with a legal obligation.
To meet our legal, business and regulatory obligations, there are certain circumstances where we are required to retain your personal information. Examples of these circumstances include:
- Legislation requiring retention of information (for example, the Financial Ombudsman Act).
- If your information is still subject to Haven’s Data Retention Schedule, which is the agreed period for which Haven can store information on any account, product or application once it has been closed.
- You are still a customer with Haven and have open accounts that you are transacting on and products that you are using.
- You have an ongoing application with Haven for a product or account.
- You currently have a non-account holding relationship with the bank (e.g. trustee, guarantor, Power of Attorney, Assisted Decision Making Authority, Director of a Company, etc.).
- If you are otherwise engaged with Haven, either directly or through a third party.
If you wish to exercise your right to be forgotten based on the above criteria, you may call us on 0818 565 500 and speak to an agent.
Where a right to be forgotten request has been upheld, the information we processed will no longer be linked to your identity.
Your right to be forgotten will not impact your existing credit history.
Haven will only be able to forget accounts or products that are outside Haven’s Data Retention schedules and those that do not fall into our list of exemptions.
Accounts or products that can be forgotten will no longer be reported to the Irish Credit Bureau by Haven, as part of your credit history, so if removed, will not have an impact on your credit rating. For further information on how your credit rating is generated, please see www.centralcreditregister.ie.