Terms and Conditions

The information given by me on this web loan enquiry is made for the purpose of obtaining the loan, and is true to the best of my knowledge and belief. I am fit to follow my normal occupation or duties.


The information which is held on the ICB database relates to credit agreements between these ICB members and their customers/members. A condition of such agreements is that the customer/member agrees that the financial institution/Credit Union may the use of the data supplied for the purpose of credit checking. Consequently where and individual enters a credit agreement with a ICB member, details of the individuals performance in complying with the terms of the agreement are input to the ICB “credit file” database, which may be accessed by all member institutions of ICB. Each time a person applies for credit from an ICB member, that institution accesses the ICB’s ‘credit file’ to ascertain the applicant’s performance under any pervious credit agreement with ICB members.


1. I further consent to and Authorise the Credit Union to process and retain data provided by me in respect of this application, to seek and provide credit reference (searches), to record details of any transaction relating to a loan or other credit which may result from this application with Irish Credit Bureau (ICB) for a period of 5 years from the date of closure of the loan and ICB to record, retain and disclose to its members details of such searches for a period of one year. 2. I acknowledge that the Credit Union and/or the ICB are permitted to disclose any material misstatement of fact contained in the application for financial accommodation to its members and relevant bodies. I consent to any such application being processed, recorded and retained by ICB. Please note that you have the right to access personal data held about you by the Credit Union and to correct any inaccuracies in such data. Where your loan application has been rejected on the basis of the consultation of a database, the Credit Union shall inform you immediately and without charge of the result of the consultation and of the particulars of the database consulted.


I understand that under the Data Protection Acts, 1998 and 2003(the “DPA”), my consent may be required for the credit union to process personal data which it may have in its possession concerning me(including disclosure to third parties). For the purpose of assessing any applications (including loan applications) which I may make to you and generally for administering and monitoring any consent – (i) to you seeking information concerning applications for loans and my credit history from any credit union affiliated to the Irish League of Credit Unions(“the League”) or representative body and for the purpose you may disclose any information in this application or which you may have concerning me to any such credit union; and-(ii) to any credit union affiliated to the League or representative body disclosing information to you concerning applications for loans and my credit history with any such credit union or otherwise; and – (iii) to the processing of any information relating to me, either contained in this web loan enquiry or otherwise, for the purpose of assessing applications and administering any accounts I maintain with the credit union; (iv) to the processing of any information relating to me, either contained in this web loan enquiry or otherwise, for the purpose of the credit union, or third parties selected by the credit union, informing me of goods and services which might be of interest to me. If you do not want your information to be used for the purposes mentioned at (iv) above, please tick this box.


Please note that you have the right to assess personal data held about you by the credit union and to correct any inaccuracies in such data. I authorize the credit union to make whatever enquires are deemed necessary to process this application. I/We are not indebted to any other credit union, bank or loan agency either as borrower or guarantor, except as stated above (under the borrowings heading). The information given by me/us on this web loan enquiry is made for the purpose of obtaining the loan, and is true to the best of my knowledge and belief. I authorise St Colmcille’s (Kells) Credit Union Limited. to make whatever enquiries are deemed necessary to process this application including sharing account and loan data with other credit unions, consumer reference agencies and/or Union Check.


The monthly repayment on this loan enquiry might be slightly different (i.e. in cents) to our in house loan application system