Terms & Conditions


These terms and conditions are for the website (accessed through www.cabotfinancial.ie) for Cabot Financial (Ireland) Ltd (referred to as “Cabot Financial/we/our/us”), full company details appear at the end of these terms and conditions.

As a user of this website (referred to as “you/your”) you acknowledge that any use of this website is subject to these terms and conditions (which also includes the Privacy Policy).


  • read through these terms and conditions carefully before using this corporate website
  • print a copy for future reference
  • also read our Privacy Policy section regarding your personal information.
  1. General

1.1 You acknowledge that if your use of this website is for business purposes then your use is in the course of your employment and you are using this website with the permission of your employer or entity/organisation that you represent, as such use by you will bind the employer/organisation on whose behalf you are making such use, to the prevailing terms and conditions. If you do not have permission from your employer or entity/organisation, then you must not access or use this website. Accordingly, ‘you/your’ shall also include your employer or entity/organisation.

1.2 We reserve the right to change these terms and conditions at any time. Any such changes will take effect when posted on the website and it is your responsibility to read the terms and conditions on each occasion you use this website and your continued use of the website shall signify your acceptance to be bound by the latest terms and conditions.

1.3 When you use any services on this website, please also read any additional information provided on the relevant web pages as this information will provide you with important information, full details on how to use such services and other legal information.

  1. Intellectual Property

2.1 You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all materials and/or content made available as part of your use of this website shall remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorised by us or our licensors. You further acknowledge that any other use of the material and content of this website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to), in any way, copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content whatsoever without our prior written approval.

  1. Liability and Indemnity

3.1 Nothing in these terms and conditions excludes or limits liability for death or personal injury caused by negligence, fraudulent misrepresentation, or any other liability which may not otherwise be limited or excluded under applicable law.

3.2 Subject to Section 3.1 above, Cabot Financial will use reasonable endeavours to verify the accuracy of any information on the site but makes no representation or warranty of any kind, express or implied statutory or otherwise, regarding the contents or availability of the site or that it will be timely or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses, bugs or Trojans of any kind or represents the full functionality, accuracy, reliability of the website. Cabot Financial will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the website and Cabot Financial accepts no liability of any kind for any loss and/or damage from action taken or taken in reliance on material or information contained on the site.

3.3 Subject to Section 3.1 above, other than as expressly provided in these terms and conditions, any indemnities, warranties, terms and conditions (whether express or implied) are hereby excluded to the fullest extent permitted under applicable law.

3.4 Subject to Section 3.1 above, Cabot Financial will not be liable, in contract, tort (including, without limitation, negligence), pre-contract or other representations (other than fraudulent on negligent misrepresentations) or otherwise out of or in connection with the terms and conditions for any: economic losses (including without limitation loss of revenues, data, profits, contracts, business or anticipated savings); or loss of goodwill or reputation; consequential, special or indirect losses suffered or incurred by that party arising out of or in connection with the provisions of any matter under these terms and conditions.

3.5 We will take all reasonable measures to safeguard any details submitted using the secure website, but we cannot be held liable for any loss and/or damage caused whatsoever as a result of unauthorised access to information provided by you, unless we are proven to be negligent.

  1. Miscellaneous Provisions

4.1 These terms and conditions form the whole agreement between you and us for your access to and use of this website and shall be governed by the laws of Ireland and any dispute between us will be resolved exclusively in the Irish courts.

4.2 Cabot Financial shall be under no liability for any delay or failure to otherwise perform any obligation as specified in these terms and conditions if the same is wholly or partly caused whether directly or indirectly by circumstances beyond its reasonable control.

4.3 We may provide links to other websites or resources for you to access at your sole discretion. You acknowledge and agree that by you accessing any linked website, we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including, without limitation, any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use to which others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.

4.4 You may not assign or sub-contract any of your rights or obligations under these terms and conditions to any third party or whatsoever unless agreed upon in writing by Cabot Financial.

4.5 Cabot Financial reserves the right to transfer, assign, novate or sub-contract the benefit of the whole or part of any of its rights or obligations under these terms and conditions and/or any other terms and conditions to any third party and/or any person or legal entity within the Group and “Group” shall mean Cabot Credit Management Group and its associated Companies.

4.6 If any portion of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity or enforceability of the other sections of these terms and conditions shall not be affected.

4.7 These terms and conditions do not create or confer any rights or benefits enforceable by any person that is not a party (within the meaning of the U.K. Contracts (Rights of Third Parties) Act 1999).

4.8 No delay or failure by Cabot Financial to exercise any powers, rights or remedies under these terms and conditions will operate as a waiver of them nor will any single or partial exercise of any such powers, rights or remedies preclude any other or further exercise of them. Any waiver to be effective must be in writing and signed by an authorised representative of Cabot Financial.

4.9 These terms and conditions including the documents or other sources referred to in these terms and conditions supersede all prior representations understandings and agreements between you and Cabot Financial relating to the use of this website and sets forth the entire agreement and understanding between you and Cabot Financial for your use of this website. This Cabot Financial website (www.cabotfinancial.ie) is operated by Cabot Financial (Ireland) Ltd.

Cabot Financial (Ireland) Ltd. provides credit servicing for both its regulated and non-regulated financial services clients. 

Cabot Financial (Ireland) Ltd complies with all applicable regulations under the regulatory regime of its regulated clients.

For credit servicing activities performed by Cabot Financial (Ireland) Ltd for non-regulated financial services:

  • Cabot Financial (Ireland) Ltd stands authorised as a Credit Servicing Firm pursuant to section 34F of the Central Bank Act 1997.
  • Cabot Financial (Ireland) Limited is a member of Cabot Credit Management Group.
  • Cabot Credit Management Group is authorised and regulated by the Financial Conduct Authority.


4.10 In line with the Payment Services Directive 2 2017 (PSD2) legislation, we are responsible for ensuring your card payment details are protected. We have implemented administrative, technical, and organisational procedures to protect card information that is stored in our servers from unauthorised access, accidental loss, modification, or disclosure to help tackle the rising levels of online fraud.

PSD2 introduces the use of Strong Customer Authentication (SCA) and 3D Secure 2 (3DS v2). SCA aims to make online payments more secure through two factor authentication, to help confirm your identity when using your card details online. Our services require you to go through two factor authentication when signing into our website and app through the use of a password, phone, or email code confirmation, and/or fingerprint or voice pattern. There are some payment types that are exempt for SCA which include:

  • low-value transactions (below €50 or £45 in the UK)
  • recurring transactions (Direct Debits or regular card payments or subscriptions for the same amount and payee). These will require SCA for initial set up and subsequent amendments
  • contactless transactions under €50 (or £45 in the UK)
  • unattended terminals (e.g. parking meters or public transport) 
  • whitelisting – customers can ‘whitelist’ merchants as ‘trusted beneficiaries’ and won’t need to authenticate with them once an initial check is completed. Issuers can still reject requests where they believe there is a high-risk of fraud
  • Transaction Risk Analysis (TRA) – this may apply if a transaction is low-risk

3DS v2 will also help support two factor authentication under PSD2 and was rolled out in response to these regulatory requirements. 3DS v2 is an authentication protocol through a rich data exchange and can be triggered by your card merchant/issuing bank after you have entered your card details. To verify your identity, your card provider will aim to authenticate the payment through a one-time password (OTP) or using biometrics, such as a fingerprint.

When making a payment on our website, you can choose to save your card details for a smoother journey the next time you choose to pay online, if you are logged in. These stored credentials can always be removed whenever you wish through the payment options page after you log in to your customer account.

Privacy Policy

Our Privacy Promise to you:

  • We Promise to be fair and transparent at all times
  • We treat the security of our customers` data very seriously
  • We believe in integrity and we respect your privacy

What does this mean for you?

Our Data Privacy Notice provides you with information about how we use your personal data. Each section sets out how we collect, process and retain your personal data whilst providing you with a service. Please use the following list to choose which sections of our Data Privacy Notice you want to read:

  1. Who we are?
  2. What types of personal data do we collect?
  3. How do we collect your personal data?
  4. How we use your personal data
  5. How long do we retain your personal data?
  6. Who we share your personal data with?
  7. How we keep your personal data safe
  8. Transferring your personal data outside of the European Economic Area (EEA)
  9. Credit Reference Agencies notice explained
  10. Your rights in relation to your personal data
  11. Cookies
  12. Who can you speak to about this Privacy Notice?
  13. Updates to this Privacy Notice

You can contact the Cabot Financial (Ireland) Ltd Data Protection Team using the details below.

Writing: Data Protection Team, Block D Cookstown Court, Belgard Road, Tallaght, Dublin 24

Email: [email protected]


  1. Who we are

We are Cabot Financial (Ireland) Limited, a member of the Cabot Credit Management Group. Cabot Credit Management Group (CCM) are a market leader in the UK and one of the largest Credit Management Service providers in Europe. Cabot Credit Management Group is authorised and regulated by the UK Financial Conduct Authority (FCA).

Cabot Financial (Ireland) Ltd (“Cabot”, “us”, “we”, “our”) is authorised and regulated by the Central Bank of Ireland (CBI). Our principal activity is the management of Cabot loans or the provision of loan portfolio management/credit servicing to various companies, along with third party servicing activities. The purpose of the Data Privacy Notice is to explain how we collect and use your personal data. 

Personal data means data relating to a living individual who can be identified (either from that data itself or when combined with other data).

  1. What types of personal data do we collect?

The types of personal data that we collect may include, but is not limited to, the following:

  • Contact data/identity data: Including name, date of birth, proof of identification, address, nationality, telephone number and email address.
  • Financial details/personal circumstances: Including income and expenditure details, accounts details, financial needs, family details, employment status and marital status.
  • Interactions with Cabot staff: Whenever a staff member contacts you or meets you, or you contact our staff member, a note of this interaction is recorded on our management system(s). In addition, we sometimes record telephone conversations to improve services, for training purposes, to resolve complaints and as required by relevant regulations and the Central Bank of Irelands Codes of Conduct. However, we will always let you know when we are recording our calls with you.
  • Data that we gather from publicly available sources: This may include the press, the electoral register, company registers, the Central Credit Register, online search engines or entities such as An Post.
  • Data from Customer Satisfaction Surveys.
  • Data in relation to data access, correction, restriction, deletion, porting requests and complaints.
  • Data obtained through our use of cookies. You can find out more about this in our cookies policy below.
  • Data through companies which we use to validate for financial crime purposes.
  • Special categories or sensitive personal data: Some categories of personal data are more sensitive than others. These are known as special category personal data which include:
  1. Racial or Ethnic origin;
  2. Biometric data;
  3. Religious beliefs;
  4. Data concerning heath, sexual orientation.

If you ever disclose this type of personal data to us, we will only keep this on record if it is necessary for the services we are providing. Where we do need to keep this data on record, we will always request your explicit consent to do so. We will only store this data for as long as it is relevant. You have the right to withdraw your consent and, if you do, we will delete any special category data personal to you from our records.

If you disclose special category personal data to us, whether or not we have requested it, for example, if you send a letter to us detailing your medical situation, your provision of that data will be deemed to confirm your consent for us to process that data. 

Where we consider it necessary to record the special category personal data you give to us, we will securely record this data and tell you how we will use it and how you can withdraw your consent.

  1. How do we collect your personal data?

We collect your personal data in the following ways:

  • From the previous or current owner of your account.
  • From clients or other parties who have engaged us to provide credit servicing or third-party servicing.
  • We keep records of correspondence between us, including letters, emails and SMS texts.
  • We record phone calls between you and our employees for training and monitoring purposes and to improve and enhance the service we offer you.
  • When you use our website and online payment application.
  • When we conduct customer surveys in order to improve customers’ experience.
  • We operate CCTV at our business premises [for security purposes] so if you were to visit one of our offices your image may be captured on CCTV.
  • We access third party data sources and combine and process data from those sources with your personal data. Examples of third-party data sources include the Land Registry, registers of court judgments, bankruptcies and telephone number verification databases.
  • Third parties that we appoint may collect personal data from you and remit it to us.
  • From your family members about you if you become incapacitated.
  • From your solicitor, authorised financial advisor or authorised third party.
  • Through business interactions between your company and us.
  • When you provide us with data about others or others provide us with data about you: If you give us data about someone else, you should be sure that you have their consent to do so and you should show them this Data Privacy Notice. You need to ensure they confirm that they know you are sharing their personal data with us.
  • From your online activities with third parties where you have given us your consent for example, by consenting to our use of certain cookies or other tracking technologies.


  1. How we use your personal data?

We collect and process your personal data for a variety of reasons and we rely on a number of legal basis for doing so including:

To provide services to you and to fulfil our contract with you, we use your data to:

  • Establish your eligibility for a service.
  • Manage and administer your accounts and services that we may provide you with e.g. where we may have acquired your loan from another party, they will pass relevant data to us to allow for the continued performance of your contract.
  • Process payments that are paid by or to you (e.g. to take a payment by direct debit from your bank account we have to share your data with our bank).
  • Contact you by post, phone, text message, email, fax or other means.
  • Monitor and record our conversations when we speak on the telephone.
  • Recover debts you may owe us.
  • Manage and respond to a complaint or appeal.

To comply with our legal and regulatory obligations including:

  • To comply with your information rights.
  • Provide you with statutory and regulatory information and statements.
  • Establish your identity, residence and tax status in order to comply with law and regulation concerning taxation and the prevention of fraud, money laundering and terrorist financing.
  • Report to and where relevant, conduct searches on the Central Credit Register and other industry registers.
  • Comply with binding requests from regulatory bodies, including the Central Bank of Ireland, the Data Protection Commission, An Garda Siochana and Revenue Commissioners.
  • Comply with search warrants, and Court orders arising in civil or criminal proceedings.
  • Investigate and resolve complaints.
  • Perform a task carried out in the public interest.

To manage our business for our legitimate interest we may use your personal data to:

  • Manage and administer your accounts and services that we may provide to you.
  • Assess the quality of our customer service and to provide training to staff.
  • Carry out strategic planning and business portfolio management.
  • Ensure business continuity, disaster recovery; to respond to information or technology and business incidents and emergencies.
  • Carry out credit scoring and credit management including collecting and enforcing debts and arrears. This may include reporting to and searching the Central Credit register and engaging agencies to trace you (for example, where the address you have provided is no longer accurate and we need to provide you with legal documentation).
  • Monitor, maintain and improve internal business processes, information, technology and communications that may benefit you or Cabot.
  • Compile and process your data for audit, statistical or research purposes in order to help us understand our risks better, including providing management information, operational and risk management.
  • Protect our business, reputation, resources and equipment, manage network and information security and prevent and detect fraud, dishonesty and other crimes.
  • Manage and administer our legal and compliance affairs, including compliance with regulatory guidance and codes (including assisting a previous lender in its compliance with regulatory rules, guidance and requests). Rectifying negative impacts on customers as a result of process or regulatory failures.

Where you have given us consent (which you may withdraw at any time) such as:

  • Where we liaise with authorised third parties at your request and with your consent.
  • Where you have consented to us contacting you where it is not your residence, for example contacting you at your workplace.
  • Where we send text messages to you about a service.
  • Using special categories of data or sensitive personal data.

To protect your vital interests:

In exceptional circumstances we may use and/or disclose data (including special categories or sensitive data) we hold about you to identify, locate or protect you including:

  • If it comes to our attention that you are in imminent physical danger and this information is requested/provided by or to An Garda Siochana, a member of the emergency services or your relative.
  1. How long do we retain your personal data?

Your personal data is retained for different periods of time depending on the purposes for which it is required to be retained. We hold your data while you are a customer and for a period of time after that. We do not hold it for longer than necessary. An example of this is our obligation to hold customer records and files for a period of (7) years after the end of a business relationship depending on the business relationship or (12) years where we had a deed in place. When personal data reaches its maximum retention period, we will ensure that this data is purged from all systems including filing systems and storage units etc. We will then destroy any hard copies of personal data we may hold using our confidential waste disposal providers.

  1. Who we share your personal data with?

We only share your personal data with a select number of individuals and companies and only as necessary. Sharing can occur in the following circumstances and/or with the following persons:

  • Staff – We will share your data with our staff, including staff of other members of the Cabot Credit Management Group in order to fulfil our contract with you or to perform our duties.
  • Guarantors – We will share your data with any person or entity which guarantees your obligations to us or gives us an indemnity concerning these obligations.
  • Suppliers and service providers – We may share your data with service providers engaged by us for example; cloud storage providers, IT system suppliers, software development contractors, printing companies, property contractors, tracing agencies, receivers, liquidators, examiners, official Assignee for Bankruptcy and equivalent in other jurisdictions, auditors, lawyers, insurers, valuers, estate agents, document management providers, advisers and other consultants.
  • Your authorised representatives – We will share your data with your authorised representatives which includes for example; a friend, family member, attorney (under a Power of Attorney), legal representative or a Debt Management Company.
  • Statutory and regulatory bodies and law enforcement – Such as the Courts and those appointed by the courts, the Central Bank of Ireland, An Gardai Siochana/police, authorities/enforcement agencies, the Data Protection Commission, the Financial Services and Pensions Ombudsman, the Revenue Commissioners, Criminal Assets Bureau or relevant Government departments, where reasonably necessary, for financial crime and sanction prevention purposes.
  • Credit reference/rating agencies – We may access, use and/or share your data with the Central Credit Register (CCR). 
  1. How we keep your personal data safe?

We know that you care about how your data is used, stored and shared. We appreciate your trust in us to do so. To protect your personal data, we use security measures that comply with Irish law and acknowledged best industry practice. This includes computer safeguards and secure files.

  1. Transferring your personal data outside of the European Economic Area (EEA)

We may transfer your personal data to third parties that operate outside of the European Economic Area to enable us to work with our suppliers who help us to manage your account.

Where we do transfer your personal data outside of the EEA, we will ensure that your data is protected and any suppliers are part of the US Privacy Shield, and/or that the required contractual safeguards are in place.

  1. Credit reference agencies notice explained

We are required by law to share details of your account (including your personal data) with the Central Credit Register (CCR) on a monthly basis to promote responsible lending.

The type of data that may be exchanged is outlined below:

  • Full Name;
  • Full address;
  • Date of Birth;
  • Current position of any accounts you have open with us.

The CCR may share the data that we provide to them with other lenders, who can request your credit report in the following circumstances:

  • Where you apply for a new loan;
  • Where you apply to restructure an existing loan;
  • Where you may have arrears on an existing loan;
  • If you breach the terms and conditions of a credit card or an overdraft facility.

You can also request your personal credit report from the CCR. You can find out more about the CCR on the websites below:


  • Your rights in relation to your personal data

You have a number of rights in relation to the personal data which we hold about you. If you choose to exercise any of these rights, we may ask you to verify your identity by providing us with additional information such as an up to date proof of identity or address.

Right to object:

You have the right to object to us processing your data if the processing itself is an unwarranted interference with your interests or rights. You can find out more about how and why we process your personal data in section 4, ‘How we use your personal data’.

Right to restrict processing:

If you believe we are processing your personal data unlawfully or if you believe that we no longer need your personal data, you have the right to request that we restrict the processing of your personal data.

Right to Erasure (Right to be forgotten):

You have the right to request that we delete your personal data if you believe we no longer have a lawful basis to process it, provided there are no legal obligations or overriding legitimate grounds that require us to keep it.

Right to rectification (correct your personal data):

Upon obtaining personal data we conduct checks to validate that it is accurate and up to date. We are reliant on you and other third parties to provide us with the correct data at all times. If you believe that any of the personal data we hold for you is incorrect, it is important that you make us aware of this as soon as it is possible, for example if you have a new phone number or you have moved address you will need to update us with your new contact details.

Right to make a complaint to the Data Protection Commission:

You have the right to make a complaint to the Data Protection Commission (DPC) if you are not satisfied with the outcome of your complaint with us. You can contact the Office of the Data Protection Commission at:


Telephone: +353 (0)761 104 800 & 353 (0)57 868 4800

Email: [email protected]

Writing: Data Protection Commission, 21 Fitzwilliam Square South, Dublin 2, D02 RD28, Ireland

Right to withdraw your consent:

For certain limited uses of your personal data, we may ask for your consent. Where we do this, you have the right to withdraw your consent to further use of your personal data where the processing is based on your consent. If you withdraw your consent, it will not affect the lawfulness of processing based on your consent before its withdrawal.

Right to portability:

You can request that certain personal data which you have provided to us be transferred to you or to another service provider. This applies to data that we are processing for the performance of your contract or based on your consent.

Right to access your personal data:

You have the right to get confirmation about whether we process any of your personal data and, if so, how we use it. We use this Data Privacy Notice to meet this obligation. In addition, if we process your personal data, you have a right to request a copy of the personal data that we process.

We take the security and protection of your personal data very seriously, so we reserve the right to request proof of your identity before supplying you with any personal data.

Once we have validated your identity, we will respond to your request within one calendar month. We will endeavor to send your personal data in the medium requested by you.

In order to make this request please contact us on the below details:

Writing: DSAR Team, Cabot Financial Ireland, PO Box 11151, Tallaght, Dublin 24.

Email: [email protected]

 Right to object to a decision based solely on automated processing:

You have the right to object to a decision based solely on automated processing, where such processing produces legal effects or significantly affects you.


Our website operates and collects cookies. A cookie is a small file that is placed on your computer’s hard disk, it may be for several reasons, for example:

  • Google analytics, such as analysing the traffic to the website and to speed up access to the website.
  • Targeted communications that help us to guide you back to specific pages within our website, or reach you via third party websites.

We will always ask you on the homepage whether you want us to place a cookie on your computer. The vast majority of web browsers accept cookies; however, you can manually change your browser settings so that cookies are not accepted. In doing so you may lose some of the functionalities of our website. For more information about cookies and how to disable them please go to: www.aboutcookies.org

We can confirm that any cookies placed by us shall not store or collect any personal data.

  • Who can you speak to about this Privacy Notice?

If you would like to make a complaint or have a query about how we use your personal data, you can contact us at:

In writing: Data Protection Team, Cabot Financial Ireland, PO Box 11151, Tallaght, Dublin 24

Email: [email protected]

Telephone: 01-4649000


If you are unsatisfied about how we have handled your complaint, you have the right to escalate your compliant to the Data Protection Commission. You can contact the Data Protection Commissioner at:

Postal Address: Data Protection Commission, 21 Fitzwilliam Square South Dublin, 2D02 RD28

Email: [email protected]

Telephone: Lo Call 1890 8684800 or +353 (0)761 104 800 

Cabot Financial (Ireland) Ltd is regulated by the Central Bank of Ireland

Updates to this Privacy Notice?

This Privacy Notice may be updated from time to time. You will always find the most up to date version on our website at www.cabotfinancial.ie


Communications With Us And Our Responsibility For Customer Confidentiality

When you connect to this website all information that is passed between your web browser and our web server is encrypted.

The data that you submit from the web browser is encoded using a session key, which means that anyone trying to intercept the information on the Internet will not be able to read it. This also happens when the web server sends information back to you.

This process uses a standard system called Secure Sockets Layer (SSL). Cabot Financial use the latest version of this technology (128-bit encryption), which is the most secure commercially available today. This is why you should use a recent version of Internet Explorer or Netscape to access our website.

Your password is held securely in our database and will only be emailed to you when you register or if you successfully answer your security question.

It is very important that you keep your password safe! If you think that it has been compromised in any way, please telephone us on 01 - 6608011.