Cookie Policy

What Are Cookies

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the sites functionality.

For more general information on cookies see the Wikipedia article on HTTP Cookies.

How We Use Cookies

We use cookies for a variety of reasons detailed below. Unfortunately in most cases there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.

Disabling Cookies

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of the this site. Therefore it is recommended that you do not disable cookies.

The Cookies We Set

  • Email newsletters related cookies : This site offers newsletter or email subscription services and cookies may be used to remember if you are already registered and whether to show certain notifications which might only be valid to subscribed/unsubscribed users.
  • Forms related cookies : When you submit data to through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.
  • Site preferences cookies: In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.

Third Party Cookies

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

  • This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content. For more information on Google Analytics cookies, see the official Google Analytics page.
  • Third party analytics are used to track and measure usage of this site so that we can continue to produce engaging content. These cookies may track things such as how long you spend on the site or pages you visit which helps us to understand how we can improve the site for you.
  • From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most.
  • As we sell products it’s important for us to understand statistics about how many of the visitors to our site actually make a purchase and as such this is the kind of data that these cookies will track. This is important to you as it means that we can accurately make business predictions that allow us to monitor our advertising and product costs to ensure the best possible price.
  • Several partners advertise on our behalf and affiliate tracking cookies simply allow us to see if our customers have come to the site through one of our partner sites so that we can credit them appropriately and where applicable allow our affiliate partners to provide any bonus that they may provide you for making a purchase.
  • We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including; Facebook, LinkedIn, Twitter, Instagram, will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.

More Information

Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site.

However if you are still looking for more information than you can contact us by emailing webmaster@cultivate-CU.ie

 

 

Data Privacy Notice & Complaints Policy

INTRODUCTION

Cultivate-CU.ie takes Data Privacy very seriously. You may share personal information with us throughout the lifetime of our relationship. As your service provider, we will respect that information by fulfilling our obligations under the General Data Protection Regulations (GDPR) along with respecting your rights under the legislation.

PURPOSE OF DATA COLLECTION, PROCESSING OR USE

Cultivate is an initiative of a group of Credit Unions that provides short to medium term loan opportunities for their farming members. Each of the credit unions are member-owned financial cooperative, democratically controlled by their members, and operated for the purpose of promoting thrift (money management), providing credit at competitive rates, and providing other financial services for our members. Data collection, processing and use are conducted solely for the purpose of carrying out these objectives.

 

HOW WE COLLECT DATA ABOUT YOU

We collect personal information from you at various stages, for example, when you open an account, lodge or withdraw, apply for a loan, use banking services or look for advice on products or services. Therefore, we may collect, store, and use the following categories of personal information about you:
• Your name, address, date of birth, email, telephone financial data, status and history, transaction data; contract data, details of the credit union products you hold with us, signatures, identification documents, salary, occupation, accommodation status, mortgage details, previous addresses, spouse, partners, nominations, Tax Identification/PPSN numbers, passport details, interactions with credit union staff and officers on the premises, by phone, or email, current or past complaints, CCTV footage and telephone voice recordings
We may also collect, store and use the following “special categories” of more sensitive personal information:
• Information about your health, including any medical condition, health and sickness, relating to the purpose of insurance cover. We may also collect information from others, such as credit bureau Irish Credit Bureau (ICB) or the Consumer Credit Register (CCR), or through our website, apps, social media sites, community based discussion forums and CCTV footage.

IF YOU FAIL TO PROVIDE PERSONAL INFORMATION

If you fail to provide certain information when requested, we may not be able to perform the contract we have entered into with you or we may be prevented from complying with our legal obligations.

HOW WE USE INFORMATION

We use this information to:
1. Make recommendations about the products or services you hold with us
2. Decide how the products and services you don’t yet hold might be suitable for you
3. Decide how we will offer them to you, for example directly or through digital media

To protect your information we use security measures that comply with Irish law and meet international standards. This includes computer safeguards and secure files and buildings. We sometimes use other companies and individuals to work on our behalf or to give us information to help us make decisions. For example, to analyse data, collect debts, process information, and conduct market research. We contract with all third parties to whom we give your information for these purposes to keep your information confidential and to respect the laws on data protection.

CHANGE OF PURPOSE

You can be assured that we will only use your data for the purpose it was provided and in ways compatible with that stated purpose. If we need to use your personal information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

DATA RETENTION PERIODS

We will only retain your personal information for as long as necessary to fulfil the purpose(s) for which it was obtained, taking into account any legal/contractual obligation to keep it. We document the reason(s) for our retention periods and where possible the retention periods themselves in our Retention Policy.

YOUR MARKETING PREFERENCES

As part of improving our service to you, from time to time, we would like to inform you of goods, services, competitions and/or promotional offers available from us. We may wish to use different means when sending such marketing communications. You can indicate by which methods you consent to being contacted, if any, by ticking “Yes” to each method of communication. You will also be given the right to change your preferences and to refuse such marketing by ticking “No” (”opt-out”) in any marketing message we send you. Please contact us directly should you wish to change or withdraw your consent.

PLANNED DATA TRANSMISSION TO COUNTRIES OUTSIDE THE EEA

There are currently no plans to transmit data to third countries outside the European Economic Area (EEA).

YOUR RIGHTS IN CONNECTION WITH YOUR PERSONAL DATA

Access Request- To find out whether we hold any of your personal data, you can request that a copy of that data be furnished to you. You are also entitled to request further information about the processing.

Request Correction- You can request correction of the personal information that we hold about you. This enables you to have any incomplete or inaccurate information we hold about you rectified.

Request Erasure- You can request erasure of your personal information. This enables you to ask us to delete or remove personal information where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal information where you have exercised your right to object to processing (see below).

Object to Processing- You can object to processing of your personal information where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.

Restriction of Processing- You can request the restriction of processing of your personal information. You can ask us to suspend processing personal information about you, in certain circumstances.

Consent- Where we are processing your data based solely on your consent you have a right to withdraw that consent at any time and free of charge.

Portability of Data- Request that we: a) provide you with a copy of any relevant personal data in a reusable format; or b) request that
we transfer your relevant personal data to another controller where it’s technically feasible to do so.
**Please note that the above rights are not always absolute and there may be some limitations**.

There is no fee in exercising any of your above rights, unless your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.

We may need to verify your identity if we have reasonable doubts as to who you are, at the time of exercising any of the above rights. This is another appropriate security measure to ensure that personal information is not disclosed to any person who has no right to receive it.

To help us to ensure that our information is up to date and accurate, please help us by telling us immediately if there are any changes to your personal information.