We have developed this policy so that you may feel confident about the privacy and security of your personal information. Countries in the European Economic Area (EEA) are required to have a similar standard of protection of personal data.
Visitors to our Web site
You can read here about how we use the information you leave when you visit our Web site.
Use of personal information
You don't need to register to access most of our Web sites.
If you register for our eBanking services, any details you provide may be stored for use on future visits, as we do not want you to give us any information more than once. The details you give us may be combined with information about your use of our Web site and information from other of our records in order to provide you with online services you request.
If you register, we will treat you as having consented to our using your personal data in the manner described in this Policy. If you do not register, the personal data we collect from you will be limited to that which you give us in order to process your request and we will use that data only to fulfil that request. By using our Web site you will be treated as having consented to such processing.
Danske Bank is the controller of information we store to manage our customers' accounts and to provide customers with services to suit their needs. What information we will hold and how we use it is explained below.
What information do we hold?
As a personal customer or the representative of a business customer we hold certain information about you. We use information we hold to assess eligibility and credibility for the products and services we offer. The types of information we hold are typically built up from data you have provided to us on application forms, the transaction history on your bank accounts, what has been received from both credit rating and fraud prevention agencies, from identify-verification searches, and from persons with whom you are financially linked. Telephone calls with you may be recorded or monitored. This is to verify your information, for our staff training and for service quality purposes.
The types of information we hold includes:
Personal details (e.g. your name, address, age, sex, status) Financial health (e.g. bank balance/business books, savings, investments, loans)
Financial history (e.g. credit rating, ability to make loan repayments, any loan defaults)
We will not collect data unless it is required for the purposes disclosed to you.
We may need to collect sensitive data relating to you such as medical health record or condition, lifestyle, criminal convictions or proceedings for any of the purposes outlined here. For example, we may need to record your medical health for insurance reasons while some aspect of your lifestyle may be the reason why you make a loan application to us.
How we use your data
When you request a service or product from us we will use the details you provide, and details we may already hold about you, to assist us in our assessment of you and the suitability of our products and services for you. This may include making credit decisions about you and the use of credit scoring.
If you apply for a loan from us, we (or parties acting on our behalf) may search the files of credit reference agencies who will record the search. Information about how you operate your account may also be shared with such agencies.
We may also use your data for research purposes. Regular statistical analysis including risk and credit analysis is key in the development, improvement and marketing of our products and services. It also helps us to understand your purchasing preferences better and helps ensure that you are provided with the most appropriate products available.
We may use your data for fraud prevention and debt recovery.
If you are financially linked to another account holder within the Danske Bank Group, we may use your information to assess the application for credit of the person with whom you are linked, including when that person applies on behalf of a business with which he or she is involved.
We will not use your data for any purpose not disclosed to you.
Offers and Marketing
Through our marketing programme, we will identify and inform you about products and services which we consider may be of interest to you and which are supplied by the Danske Bank Group. We may contact you by post or phone (unless you have asked us not to) and we will provide you with sufficient detail so that you can make an informed choice. We may also contact you by email, SMS text messaging and fax if you have asked us to.
You are under no obligation to take up the products or services offered. If you do not wish your information to be used for these marketing purposes please contact us at
Danske Bank Data Protection Officer,
3 Harbourmaster Place,
We will not retain your data for longer than is necessary for the purposes for which it is obtained.
If you provide personal data to us and you do not proceed with the product or service, we may be required by the Consumer Protection Code to retain your data for six years or more from the date of collection. Unless you have objected to direct marketing your data may also be used to inform you about products and services which we consider may be of interest to you and which are supplied by the Group. You can contact us at any time to withdraw your consent to direct marketing at:
Danske Bank Data Protection Officer,
3 Harbourmaster Place,
We will treat all your information as confidential at all times, even when you are no longer a customer. This means that we will not pass on information about you unless:
- We have your permission to do so.
- The law requires us to give the information.
- We have a duty to the public to reveal the information.
- it is in our legitimate interests to do so (e.g. to prevent fraud or recover money you owe us).
We may disclose your data and/or sensitive personal data under strict obligations of confidentiality to our agents and/or service providers for the purposes referred to above. We may disclose your data to other members of the Danske Bank Group. We may be obliged to disclose your information, including your personal data and/or sensitive personal data, to our auditors, bankers, legal and other professional advisers and to third parties (including government agencies) as may reasonably be required in connection with the purposes referred to above or pursuant to any law or court order.
Some examples where we will share your information with third parties:
Compliance with the law means that we must allow access to our records for reporting and auditing purposes and these reports may include information about you.
- We may provide information about you to someone you nominate or authorise to act on your behalf.
- If we provide you with products and services involving insurance, we are required to pass your details to insurers. Information you provide in connection with any claims made under the insurance may be recorded onto a register of claims through which insurers share information to prevent fraudulent claims. A list of participants in the register and the operator of the register are available from the insurers.
- If we engage service providers, agents and subcontractors to provide services and to process information on our behalf, we will ensure that these service providers, agents and subcontractors are under a duty of confidentiality and security in relation to your information and that they process your information strictly in accordance with our instructions under written contract.
To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records and at fraud prevention agencies who will supply us with information. We may also pass information to, and receive information from, financial and other organisations in the prevention of fraud. If you give us false or inaccurate information and we suspect fraud, we will record this.
Information from fraud prevention agencies may also be used to help us make decisions on insurance proposals or claims.
Please contact us if you would like details of the fraud prevention agencies from which we obtain and record information about you. Fraud prevention agencies will use the information for statistical analysis about insurance and fraud. We may use the information they supply to us for statistical analysis about credit and fraud.Access to your data
You are entitled to a copy of the personal data we hold about you for which we charge a small administration fee. Please write to us if you wish to see this information. Help us to keep your data accurate
The suitability of the products and services we offer you is dependent on having accurate and up to date customer information so it is essential that you inform us as and when your personal circumstances change. You can ask us to correct any inaccurate data we hold about you.Consent and Agreement
You will also be treated as having consented to our checking your details with one or more fraud prevention agencies and that if any information you have provided is false or inaccurate and we suspect fraud, we may record this and that the fraud prevention agencies may keep a record of the search and record details of your application.
You will be treated as having expressly consented to your sensitive personal data, such as information about your health, being used, processed, disclosed, shared and retained in the same way. You will also have expressly consented to your data being transferred outside of the European Economic Area in certain instances. (Any such transfer will only occur under binding agreements which protect your rights to data security under Irish and EU data protection legislation.)How we protect your online data
When you register details and are logged into our online banking system, eBanking, we use a secure server. Any data you give us is encrypted using a Secure Socket Layer (SSL) session. SSL is an industry standard and is one of the best ways to ensure Internet messages are not intercepted. You should be aware, however, that some older browsers cannot use SSL. If your browser does not support 128 bit encryption (or higher), you will not be able to log into or use our eBanking service.
Apart from things we do to protect you, there are things that you can also do to protect yourself while using our eBanking service.
Our general email enquiry forms are not sent via an encrypted channel, and for this reason we ask that you do not include confidential information when using them (such as bank account details).
Messages sent and received via the message service when you are logged into your accounts via our eBanking system are encrypted and therefore secure.
While we use SSL encryption to protect user information online, we will use all reasonable endeavours to protect user information offline. However, any personal details or other information entered onto or submitted through the site or by email to Danske Bank is entered or transmitted at the user's risk and Danske Bank shall not be liable for any such information being intercepted or accessed by any third party without the knowledge of Danske Bank or any of its employees or agents. Important information
Danske Bank A/S (trading as Danske Bank) is authorised by The Danish FSA in Denmark and is regulated by the Central Bank of Ireland for conduct of business rules.
Danske Bank A/S is a plc registered in Copenhagen, CVR-no. 61126228, at the Danish DCCA. Registered branch in Ireland Company No. 905623 with office at 3 Harbourmaster Place, IFSC, Dublin 1. Registered office in Denmark: 2-12, Holmens Kanal, DK-1092, Copenhagen K, Denmark.
Details of all Danske Bank A/S directors can be viewed at its registered offices.