GoBigBucks respects and values your privacy, and is dedicated to responsibly handling it. This Privacy Policy details what information may be collected, why it might be collected, how it's protected and when/if/why it will be shared. Furthermore, this document also covers any rights that exist over such data.

This policy covers when you visit GoBigBucks website or related services and submit an inquiry or loan application, or otherwise interact with us using such resources or related services. Please read it thoroughly so you understand how your information may be utilised by GoBigBucks and related entities.

Who We Are

GoBigBucks operates an online platform offering loan and finance-related services in Ireland. For data protection reasons, GoBigBucks must be identified using both its full legal name and registered details as the organisation that processes your personal information.

The correct legal entity and contact information must be confirmed before this policy is published.

What Personal Information We Collect

The information we collect depends on how you use our website and services. This may include:

  • Full name and contact details.
  • Residential address and date of birth.
  • Employment and income information.
  • Financial information and existing commitments.
  • Information provided through a loan application.
  • Identification or verification information.
  • Information contained in documents you provide.
  • IP address, browser and device information.
  • Website usage and interaction information.

How We Collect Your Information

We may collect personal information :

  • Directly from you when you complete an application or enquiry form.
  • When you contact us by email or telephone.
  • When you use our website.
  • Through cookies and similar technologies.
  • From third-party services where this is lawful and necessary

Where information is obtained from a third party, we will handle it in accordance with applicable data protection law.

How We Use Your Personal Information

We may use your personal information for various purposes such as:

  • Receiving, reviewing and processing loan applications.
  • Assess information relevant to your application and assess if borrowing may be possible under applicable assessment criteria.
  • Verifying identity and information with third-party databases to prevent fraudulent or misleading applications and ensure quality.
  • Contacting you regarding your application, inquiry, account, documents or service updates or any other matters concerning your interaction with us.
  • Maintaining, troubleshooting and improving its functionality while fighting fraud prevention.
  • Attain and investigate any fraudulent, unlawful or potentially harmful activity and help stop it before it begins.
  • comply with legal obligations such as accounting record-keeping obligations and more.
  • manage complaints/disputes effectively, etc.
  • As required by law and with your explicit permission, we use contact details of individuals to investigate complaints, inquiries, disputes and requests.

Our Lawful Bases for Processing

Data Protection Law requires us to have a valid legal ground for processing personal information. Depending on why it's being processed, our basis could include either:

  • Where processing is necessary to take steps at your request prior to entering into an agreement or performing it; or for legal or regulatory obligations.
  • Where processing is necessary to meet our legitimate interests or those of another organisation, provided they do not conflict with or infringe on your fundamental rights and freedoms.
  • Where we require your consent for specific data processing activities, we will clearly state what activity it applies to. Once given, however, consent can always be revoked without impacting on its lawfulness; withdrawal will have no lasting impact.

Each processing activity must abide by specific legal criteria depending on its unique circumstances.

Loan Applications and Credit Assessment

If you submit a loan application, your information may be used to assess your application and relevant financial circumstances.

Depending on the actual application process, information may be checked or verified using appropriate third-party services.

This may include identity verification, fraud prevention services or credit-related information where applicable and legally permitted.

Where a third party is involved in processing your application, the relevant privacy information and terms should also be considered.

Who We Share Information With

We may share your information with trusted third parties where necessary and lawful to provide our services or meet our obligations.

Depending on the circumstances, these may include:

  • Technology and hosting providers.
  • Identity verification providers.
  • Fraud prevention services.
  • Credit reference or credit information providers, where applicable.
  • Payment service providers, where applicable.
  • Professional advisers.
  • Regulators and public authorities where required by law.

We do not sell your personal information simply because you visit our website.

Cookies and Analytics

Our website may use cookies and similar technologies to deliver essential functionality, enhance website performance and understand how visitors engage with it. For analytics services like Google Analytics.

Where we require consent for non-essential cookies, we will offer options to manage your preferences. Likewise, browser settings offer another method for controlling them - however disabling certain cookies could compromise website functionality.

How Long We Keep Your Information

We retain personal information only for as long as reasonably necessary for the purpose for which it was collected.

We may retain information for longer where necessary to:

  • Meet legal or regulatory requirements.
  • Maintain appropriate business records.
  • Prevent fraud.
  • Resolve disputes.
  • Establish or defend legal claims.

Retention periods depend upon the nature and purpose of information gathered.

Keeping Your Information Secure

we take necessary technical and organisational steps to protect personal data against unauthorised access, loss, misuse and disclosure.

However, no internet transmission or electronic storage system can guarantee 100% data security.

Your Data Protection Rights

Depending on the circumstances, you may have the right to:

  • Request access to your personal information.
  • Ask us to correct inaccurate information.
  • Request deletion of your information where applicable.
  • Ask us to restrict certain processing.
  • Object to certain processing.
  • Request data portability where applicable.
  • Withdraw consent where processing is based on consent.

You can exercise your rights by contacting us using the details listed below. When processing certain requests, we may need to verify your identity before processing them.

Complaints

If you have concerns about how we handle your personal information, please contact us first:

You have the right to lodge a formal complaint with the Data Protection Commission (DPC). It is to believe that your personal data has not been handled according to data protection law.

Changes to This Privacy Policy

As our services, technology, legal requirements or data-processing practices change, this Privacy Policy may also change accordingly.

When updating it will always include an indication of when the latest version was issued. The latest version always shows when this was last revised.

Contact Us

For any inquiries related to our Privacy Policy or handling of personal data, please reach out: