2024
Our principal business is to provide advice and arrange transactions on behalf of clients in
relation to Life, Pensions, Investments and Mortgages. We provide our services from the
selection of products provided by the Companies we have agencies with. We recommend the
product that, in our professional opinion, is best suited to you. In providing this service to you
we will need to obtain personal information from you the following outlines how we deal with
this information and how it is used. Any questions or concerns you have can be addressed to
us directly.
This Privacy Notice sets out the bases on which we gather, use, process and disclose any
Personal Data we collect about you, or that you provide to us.
This Privacy Notice applies to you, whether you are a current, past or prospective customer.
It also applies to third parties whose Data you provide to us in connection with our relationship
with you (for example, the names of relatives). Please ensure that you provide a copy of this
Privacy Notice to any third parties whose personal data you provide to us.
Who controls your Personal Data and how can you contact them
We control your Personal Data to allow us to give you advice and recommendations on your
financial affairs, your data is then passed on to the relevant company/companies we have
agencies with by way of application forms, by post email or through their secure websites
online.
Data we may collect about You
In order for us to give you a recommendation and information on financial products, we need
to collect and process personal information about you. If you do not provide the information
we need, we may not be able to offer you advice or provide our services to you. The types of
personal data that are processed may include:
• Individual details - Name, address (including proof of address), other contact details
(e.g. email and telephone numbers), gender, marital status, date and place of birth,
nationality, employer, job title and employment history, and family details, including
their relationship to you.
• Financial detail – full details on any debts, loans assets you may own.
• Identification details - Identification numbers issued by government bodies or
agencies, including your PPS Number, passport number, tax identification number
Special Categories of Personal Data
• Health information which has additional protection under Data Protection Law. We do
not process health information other than hold the information on application forms
you have filled in. The Life Insurers process and control your health data to allow
them to underwrite your policy or decide decline cover, they may have further
information they have obtained with your approval from your doctor but we are not
privy to this information.
• Claims information – information you give us with regards claims you notify us
about or ask for help on.
• Policy Information - Information about the quotes you receive and policies you take
out
Where We May Collect Your Personal Data From
We may collect your personal data from various sources, including;
You, Your employer or representative, Life Companies we have agencies with, any other
records you have or had any other contracts of insurance with or sought a quote from a us on
that is under our agencies, otherwise we will need a letter of authorisation from you to allow
us contact other companies on your behalf. When you visit our website and input a request for
us to contact you. Which of the above sources apply will depend on your particular
circumstances and the product or service you are interested in or your enquiry relates to.
Legal Bases for Processing Your Information
We will only use your Personal Data for lawful reasons. These are:-
a) The use is necessary for the performance of a contract to which you are a party or in
order to take steps at your request prior to
entering a contract (such as providing a recommendation).
b) The use is necessary to comply with our legal obligations.
c) You have consented to us using your information in such a way.
d) The use is necessary for the purpose of our legitimate interests.
e) The use is necessary for the performance of a task carried out in the public interest, such
as assisting a regulatory authority's investigation of a criminal offence
The Purpose of Processing Your Information.
• To give you information on and provide you with recommended financial products.
• Disclose data to policyholder, life assured, beneficiary, trustee, assignee,
successors, group company or to other parties.
• To comply with legal and regulatory requirements including Anti-Money Laundering
and Sanctions compliance.
• To understand how people interact with our websites (if applicable).
• To carry out and determine the effectiveness of advertising, and of marketing
campaigns.
Who we share Your Information with
In order to provide our services and to comply with legal obligations imposed on us, we may
share your information with:-
Pension Trustees, & beneficiaries of Pensions & other Financial Products, Relatives &
guardians, (in certain circumstances and within the law)
Employers - past, present and prospective.
Legal, financial, investment, medical, & other professional advisors in the process of
submitting your application on the various.
Companies we may outsource our printing and posting to.
Businesses that refer your business to us.
Any business which we are required by law to share the information with, ie compliance
resource companies.
Database provider all data encrypted
The Pensions Authority.
Stockbrokers we have agencies with
Insurance and Assurance companies we have agencies with
Investment Companies we have agencies with
An Garda Síochána.( Anti Money Laundering)
Central Bank of Ireland. We are authorised by Central Bank and they have the right to
inspect our files.
The Financial Services Ombudsman. In the event of a complaint.
Data Protection Commissioner
The Revenue Commissioners. Re pensions and Dirt tax
Lenders we have agencies with
How long do we keep Your Information
When providing products to you it may be necessary to retain your information for an
extended period of time. We keep your information for as long as required by law for the
purpose that you gave it to us for. As a general rule for legal and best practice reasons we
are required to keep your information for 6 years after the date on which the our relationship
with you ends.
Your Rights to Access, Transport, Correct, Delete and Restrict the Use of Your
Personal Data
You have the right to access a copy of your Personal Data which we hold on you. In the case
of Personal Data you provided to us to process on the basis of your consent or for automated
processing, you have the right to have it provided in a commonly used electronic format to you
or to another Data Controller (subject to applicable Data Protection Law). If you would like a
copy of your Personal Data, please contact us. Your request will be dealt with as quickly as possible and in any event within a month for us to respond. If at that stage we are unable to
provide the data you require (due to the complexity or number of requests) we may extend the
period to provide the data by a further two months but shall explain the reason why. There is
no charge for the request for your data but it must be in writing, fax, email or text message.
Correcting Your Personal Data
You have the right to have your Personal Data corrected if you feel we have incorrect data
held on you.
Deleting Your Personal Data
Subject to any overriding legal obligation requiring us to retain it, you have the right to have
your Personal Data deleted, however erasing your information may make it difficult or
impossible for us to give you information on, provide you with, or administer our financial
products. If you want your information deleted please contact us.
Restricting our use of your Personal Data
You have the right to restrict our use of your Personal Data in certain circumstances. If you
wish to exercise your rights in this regard please contact us.
Automated/Profiling Decision Making
Where we use automated decision-making you will always be informed & you will be entitled
to have a person review the decision so that you can contest it and put your point of view and
circumstances forward. Eg. When we produce quotes for the business you are contacting us
about. When we want to market to you we may run a program which allows us identify certain
criteria of clients (all those with that fit within a certain criteria for example).
Your Right to Object and Withdraw your Consent to Data Processing
Where our lawful basis for processing your Personal Data is based on our legitimate interests,
you have the right to object. You also have the right to withdraw your consent to any
processing at any time. However if we cannot process your data it may make it difficult,
impossible or unlawful for us to give you information on, provide you with, advice on financial
products. If you want to object or withdraw your Consent to processing please contact us.
Your Right to Make a Complaint
If you are dissatisfied about the way we handle your Personal Data please contact us. We will
do our best to address your concerns swiftly and resolve any issues you have. You have the
right to complain to the Office of The Data Protection Commission, Canal House, Station
Road, Portarlington, Co. Laois, R32 AP23. www.dataprotection.ie Tel.: +353 (0)761 104 800.
Fax: +353 57 868 4757. E-Mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
