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Privacy Policy

Home Privacy Policy
Last updated: June 2026

This Privacy Policy explains how Loanify ("we", "us", "our") collects, uses, stores and protects your personal data when you use our website at loanify.ie or contact us in connection with our lending services. We are committed to protecting your privacy and complying with the General Data Protection Regulation (GDPR) and the Data Protection Acts 1988–2018.

1. Who We Are

Loanify is a lending services company based in Dublin, Ireland. For the purposes of data protection law, Loanify is the data controller in respect of personal data collected through this website and in connection with our lending services.

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us at: info@loanify.ie

2. What Personal Data We Collect

We may collect the following categories of personal data:

  • Identity Data: First name, last name, date of birth, gender, photo identification.
  • Contact Data: Email address, telephone number, postal address.
  • Financial Data: Bank account details, income information, employment status, annual salary, credit history references.
  • Application Data: Loan amount requested, loan term, purpose of loan, and any other information provided in your loan application.
  • Technical Data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
  • Usage Data: Information about how you use our website and services.
  • Marketing and Communications Data: Your preferences in receiving marketing communications from us.

3. How We Collect Your Personal Data

We collect personal data through the following means:

  • Direct interactions: When you complete a loan application form, contact us by email, phone or through our website contact form.
  • Automated technologies: When you visit our website, we may automatically collect technical and usage data through cookies and similar tracking technologies. See our Cookie Policy for more information.
  • Third parties: Credit reference agencies, fraud prevention agencies, and other lenders (where applicable and in accordance with applicable law).

4. How We Use Your Personal Data

We use your personal data for the following purposes:

  • To assess and process your loan application.
  • To verify your identity and carry out credit and fraud prevention checks.
  • To manage our lending relationship with you, including loan repayments, account management and customer support.
  • To comply with our legal and regulatory obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements.
  • To communicate with you about your application, account or loan.
  • To send you marketing communications where you have given your consent or where we have a legitimate interest in doing so (subject to your right to opt out).
  • To improve our website, products and services.
  • To detect and prevent fraud and other illegal activities.

5. Legal Basis for Processing

We rely on the following legal bases for processing your personal data:

  • Contract: Processing is necessary for the performance of a contract with you (i.e., to assess and administer your loan).
  • Legal Obligation: Processing is necessary to comply with our legal and regulatory obligations (e.g., AML, KYC, consumer credit legislation).
  • Legitimate Interests: Processing is necessary for our legitimate business interests (e.g., fraud prevention, improving our services), where such interests are not overridden by your rights.
  • Consent: Where you have given your explicit consent to certain types of processing, such as marketing communications.

6. Sharing Your Personal Data

We may share your personal data with the following categories of recipients:

  • Credit Reference Agencies (CRAs): We carry out credit checks with licensed CRAs. Information about your application and repayment history may be shared with and retained by CRAs.
  • Fraud Prevention Agencies: To detect and prevent fraud and financial crime.
  • Service Providers: Third-party companies that provide services on our behalf (e.g., IT services, document storage, communication services), who are bound by data processing agreements.
  • Regulators and Legal Authorities: Where required by law, court order or regulatory requirement (e.g., the Central Bank of Ireland, Revenue Commissioners).
  • Professional Advisers: Including lawyers, auditors and insurers who provide professional services to Loanify.

We do not sell your personal data to third parties for marketing purposes.

7. International Transfers

We aim to keep personal data within the European Economic Area (EEA). If any personal data is transferred outside the EEA, we will ensure that appropriate safeguards are in place in accordance with GDPR requirements.

8. Data Retention

We retain your personal data for as long as is necessary for the purposes set out in this Privacy Policy and to comply with our legal obligations. Typically, this means:

  • Active loan accounts: For the duration of the loan relationship plus 7 years after the loan is repaid.
  • Declined or withdrawn applications: For up to 2 years from the date of the decision.
  • Marketing preferences: Until you withdraw your consent or object to processing.

9. Your Rights

Under GDPR and Irish data protection law, you have the following rights in respect of your personal data:

  • Right of Access: To request a copy of the personal data we hold about you (a "Subject Access Request").
  • Right to Rectification: To request that we correct inaccurate or incomplete personal data.
  • Right to Erasure: To request deletion of your personal data in certain circumstances ("right to be forgotten").
  • Right to Restriction: To request that we restrict the processing of your personal data in certain circumstances.
  • Right to Data Portability: To receive your personal data in a structured, commonly used and machine-readable format.
  • Right to Object: To object to processing of your personal data based on legitimate interests or for direct marketing purposes.
  • Rights in relation to automated decision-making: Not to be subject to a decision based solely on automated processing that produces legal or similarly significant effects, without human intervention.

To exercise any of your rights, please contact us at info@loanify.ie. We will respond to your request within one month.

You also have the right to lodge a complaint with the Data Protection Commission (DPC) if you believe that our processing of your personal data breaches applicable data protection law. The DPC can be contacted at www.dataprotection.ie.

10. Security

We take the security of your personal data seriously. We implement appropriate technical and organisational measures to protect your data against unauthorised access, loss, alteration or disclosure. These measures include SSL encryption, access controls, and regular security reviews.

However, please be aware that no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

11. Cookies

Our website uses cookies to enhance your browsing experience and to analyse site usage. For detailed information about the cookies we use and how you can manage your preferences, please see our Cookie Policy.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The date at the top of this policy indicates when it was last updated. We encourage you to review this policy periodically.

13. Contact Us

If you have any questions, concerns or requests relating to this Privacy Policy or our data protection practices, please contact us:

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