Privacy Notice

Privacy Notice
Assured Financial Solutions Ltd.
Last Reviewed: May 2025

Assured Financial Solutions Ltd. is committed to protecting and respecting your privacy.

  1. Who We Are

Assured Financial Solutions Ltd. is a financial services firm regulated by the Central Bank of Ireland. Our registered office is: Assured Financial Solutions Ltd. Ballynacourty, Glen of Aherlow. County Tipperary. E34 CD62

Our main office is Assured Financial Solutions Ltd. Acorn Business Centre. Mahon Industrial Estate. Blackrock. Cork. T12 K7CV

This Privacy Notice explains how we collect, use, disclose, and safeguard your personal data in accordance with the Data Protection Act 2018 and relevant regulatory requirements issued by the Central Bank of Ireland.

Assured Financial Solutions Ltd.
Acorn Business Centre
Mahon Industrial Estate
Blackrock, Cork, T12 K7CV
Email: adancey@afs.ie
Phone: 021 4875410

Our designated contact for data protection matters is:

Alexandria Mia Dancey
Email: adancey@afs.ie
Phone: 089 2565116

  1. How We Collect Your Information

We collect personal data in several ways, including when you:

  • Request financial planning, investment, pension, or insurance services from us
  • Register details on our website or participate in our referral programme
  • Communicate with us via our website, email, phone, or in person
  • Use online tools, calculators, or submit information through forms
  • Apply for a position with us (HR may retain application and payroll records as required by law)

We may also collect data from publicly available sources (e.g. Companies Registration Office) and third parties (e.g. insurance providers, tax advisors).

  1. Types of Personal Data We Collect

Depending on the service, we may collect:

  • Identification details: Name, address, date of birth, photo ID, contact details
  • Government identifiers: PPS number (for AML compliance), pension and insurance policy numbers
  • Demographic data: Marital status, dependents, gender, lifestyle, insurance needs
  • Family/Beneficiary details: Next of kin, dependents, Enduring Power of Attorney, solicitor or accountant contacts
  • Employment information: Employer details, income, job title, employment status
  • Financial information: Bank details, income, tax data, credit history, deductions
  • Insurance and pension data: Current benefits, policy coverage, PAO orders
  • Claims data: Relevant to any insurance claims processed on your behalf
  • Health data (special category): Typically handled directly by the product provider (e.g., via secure portal links). We do not retain this unless essential (e.g., in claims or vulnerable client situations)
  • Online usage data: Cookies, IP addresses, analytics—only collected with your consent (see our Cookie Policy)
  • AML/PEP checks: Results from money laundering, sanction, or politically exposed person screenings

When we collect special categories of data, we do so with your explicit consent or under applicable exemptions in the Data Protection Act 2018.

Marketing Communications
If you subscribe to our newsletter, we will collect your email address for the purpose of sending you updates, news, and information about our services. We rely on your consent as the legal basis for this processing. You may withdraw your consent and unsubscribe at any time by clicking the unsubscribe link in our emails. For more information about how we handle your personal data, please see the rest of this Privacy Notice.

  1. Legal Bases for Processing

We process your personal data based on the following legal grounds:

  • Contractual necessity: to deliver services such as insurance quotations, pensions advice, or financial planning
  • Legal obligation: compliance with regulatory duties (e.g. Central Bank rules, Revenue requirements)
  • Consent: for optional activities such as email marketing or submission of health data
  • Legitimate interest: to operate and improve our services, with appropriate safeguards to protect your rights

Where consent is required (e.g. for marketing), we will present it clearly and allow you to withdraw it at any time.

  1. How We Use Your Information

Your data is used for:

  • Providing insurance, investment, and financial planning services (contract/legal obligation)
  • Conducting “Know Your Customer” (KYC), AML and PEP checks (legal obligation)
  • Communicating with you, including service updates and newsletters (contract/consent)
  • Processing insurance claims (contract/legal obligation)
  • Handling complaints and client queries (legal obligation/legitimate interest)
  • Meeting our obligations under the Consumer Protection Code and other regulatory standards (legal obligation)
  1. Sharing Your Personal Data

We may share your information with:

  • Insurance product providers and underwriters: to deliver services requested by you
  • Medical professionals: where health data is relevant to a claim or quotation (with your consent)
  • Regulators and public authorities, such as the Central Bank of Ireland or Revenue, for legal compliance
  • IT, storage, and security service providers: e.g., IT.IE (Dublin) and Digital Documents Ltd (Youghal)
  • Third-party processors: including CRM systems, payroll providers, and secure data storage platforms

All third-party processors operate under written contracts and are subject to GDPR-compliant safeguards.

  1. Security Measures

We implement appropriate technical and organisational security measures, including:

  • Secure servers and firewalls
  • Access controls and user authentication
  • Staff training and confidentiality agreements
  • Encrypted transmission of sensitive data
  1. Data Retention

We retain your personal data only as long as necessary for the purpose collected, including compliance with legal and regulatory requirements. For example:

  • Client records: typically held for 6–7 years
  • HR records: up to 6 years post-employment (for payroll/tax)

Our full retention schedule is available upon request.

  1. Your Rights as a Data Subject

You have the following rights under GDPR:

  • Access: Request a copy of your personal data
  • Rectification: Request corrections to inaccurate data
  • Erasure: Ask us to delete your data (subject to legal exceptions)
  • Restriction: Request limited processing
  • Portability: Request transfer of your data to another provider
  • Objection: Object to processing, including direct marketing
  • Automated decision-making: You can object to profiling or automated decisions

All requests will be processed according to our Subject Access Request Policy (available upon request). Where third parties are involved, we will notify them of your request where feasible.

  1. Complaints

If you have concerns about how your data is handled:

  • Please contact our Data Protection Contact: adancey@afs.ie
  • Or you can lodge a complaint with the Data Protection Commission:

Data Protection Commission
21 Fitzwilliam Square South, Dublin 2, D02 RD28
Web: www.dataprotection.ie
Email: info@dataprotection.ie

You may also complain to your local EU supervisory authority.

  1. Special Category Data

Where we process sensitive data (e.g., health, biometric, or disability data), we ensure additional safeguards are in place. Processing is done:

  • With your explicit consent, or
  • Under the Data Protection Act 2018, e.g. for:
    • Life Insurance
    • Pension/retirement arrangements
    • Investment Planning

We protect this data with additional technical and organisational safeguards.

  1. Changes to this Notice

We may update this Privacy Notice occasionally. The latest version will always be available on our website at www.afs.ie. Changes take effect once published.

  1. Contact Us

If you have questions or comments regarding this Privacy Notice:

Assured Financial Solutions Ltd.
Phone: 021 4875410
Email: adancey@afs.ie

This Privacy Notice was last reviewed in May 2025.

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