Data Protection Notice

This notice sets out the basis on which any personal data we collect from you, or from others will be processed by us. Please read the following carefully to understand our practices regarding your personal data and how we will treat it. For the purpose of the Data Protection Acts 1988 -2018, (‘’the Acts’’) and the General Data Protection Regulation (‘’GDPR’’) (Regulation (EU) 2016/679) (each as amended, revised, modified or replaced from time to time) the data controller is:

Irish Mortgage Holders Organisation, our data protection contact is the Operations Manager.

Registered address: IMHO, 4th Floor Ocean House, Arran Quay, Dublin 7.

Third Party
Any legal successors to IMHO
Where the IMHO transfers its business to another company or merges with another company
ICT Providers
Where ICT services such as hosting, software, storage or similar are provided by or maintained by a third party.
Shredding Companies
Where our files are securely destroyed by a third party.
Depending on your circumstances, and with your authorisation, we may also share your data with other third parties
Creditors & Financial institutions
We may need to contact your creditors, their agents, other connected third parties as agreed and financial institutions to request information from them about the debts you have and the balances on all accounts you hold with them. We may also need to give them information about your overall financial situation, including your income and expenditure, your assets, a full list of debts and the outstanding balance on any accounts you have.
Public bodies
Where we refer you to a public body or assist you in accessing the services of a public body, such as the Financial Services and Pensions Ombudsman.
Public bodies
Where we refer you to a voluntary organisation or assist you in accessing the services of a voluntary organisation.
Insolvency Service of Ireland (ISI)
If you wish to avail of the Approved Intermediary Service, IMHO will share your data with the Insolvency Service of Ireland (ISI) as part of the application process and will send your file to the ISI if your application is successful.
Advisors providing advice on insolvency
For advice purposes, more detailed data will be shared between the advisors working with you under the insolvency scheme. This will include your Standard Financial Statement or Prescribed Financial Statement and a copy of the written financial advice or legal advice provided to you. Please note the advisers may be obliged to retain client files for certain periods of time – for example, a solicitor or PIP is obliged under professional oversight regulations to keep client files securely for a minimum period.