Web Privacy Notice
Web Privacy Notice for Assured Financial Solutions Ltd.
LAST UPDATED 25.01.2023
This is the privacy notice of for Assured Financial Solutions Ltd. and it relates to our privacy practices in connection with our website. We are not responsible for the content or privacy practices of other websites. Any external links to other websites are clearly identifiable as such.This is the privacy notice of for Assured Financial Solutions Ltd. and it relates to our privacy practices in connection with our website. We are not responsible for the content or privacy practices of other websites. Any external links to other websites are clearly identifiable as such. Assured Financial Solutions Ltd respects the rights of users of our website and is committed to protecting your privacy under the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018, at all times. We will not collect any personal information (also referred to as personal data) about you on our website without your permission or otherwise in accordance with the Data Protection Act.
Collection and use of Personal Data
Except in relation to certain specific features of our website, you do not have to provide us with any personal information (or personal data) to use our website. However, where you elect to give us your personal data through our website via online feedback forms or web email then we will treat your personal information in accordance with this notice.
Web Browsing
By simply visiting our website you do not disclose, nor do we collect, personal data on you. All that we may know about your visit may be limited to technical data such as;
- The logical address (or IP address) of the server you used to access this website
- The top level domain name from which you access the internet (for example .ie, .com, .org, .net)
- The previous website address from which you reached us• The type of web-browser you used
- Web traffic data (the amount of data sent and received by visitors to a web site. This is determined by the number of visitors and the number of pages they visit.
The technical data may be used for administrative and statistical purposes and may be shared with our internet service provider. We may use this information to help us to improve our website. This technical data does not provide us with the personal data of visitors to our website.
Cookies
We do use cookies.
[Note: You can change the settings on your browser to refuse all cookies. However, you should note that disabling cookies may result in some parts of the site not working efficiently or in slower downloads].
Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your computer’s hard drive. We use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our services.
Giving us your Personal Information
Please note that where you provide us with your personal information (e.g. name, e-mail address, work address, telephone and mobile phone numbers and/or other contact information), through a facility provided on our website or directly to us by e-mail, you consent to us;
- Processing and administering your personal data to perform all necessary actions to give effect to your request or instruction; and
- Retaining a record of incoming and outgoing communications (e.g. email).
Information in the email we receive and send will not be disclosed to any third party without the permission of the sender unless otherwise in accordance with the Data Protection Act.
Please note that by using Assured Financial Solutions Ltd website you are giving us your consent to process your personal data as outlined in this Privacy Notice. Your consent is also provided to any successor or assignee Assured Financial Solutions Ltd. and/or any of its businesses. We inform all persons who submit their personal data to us of these conditions by this Privacy Notice.
Security of Data
Assured Financial Solutions Ltd. takes seriously its security obligations in respect of your personal data under the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018, to prevent unauthorised access to, or alteration or destruction of personal data in our possession.
Right of Access
You have a right to enquire or to be given a copy of any of your personal data held by us, in accordance with the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018, subject to certain exceptions. To request a copy of your personal data please send your request in writing to us at:
Data Protection Officer,
Assured Financial Solutions Ltd.,
2nd Floor,
10 Westend,
Main Street,
Ballincollig,
P31 R634,
Co Cork.
In order to deal with your request efficiently, please note the following important requirements;
- We ask that you provide use with your name and address, and a description of the data you require (a confirmation / summary
or
- everything we hold for you on our records).
Right of Rectification or Erasure
If we hold incorrect information about you which was originally submitted by you through this website, you have the right to have the data amended. Further, you have the right to have any information you have sent to us via this website erased. To request your right to rectification and/or erasure please send your request to us in writing to:
Data Protection Officer,
Assured Financial Solutions Ltd.,
2nd Floor,
10 Westend,
Main Street,
Ballincollig,
P31 R634,
Co Cork.
In order to deal with your request efficiently, please note the following important requirements;
- Your name and address.
- A description of the specific personal data you wish rectified.
- If you request an erasure of your personal data all your data will be erased subject to the following important notice.
We are not required to rectify or erase your data where to do so would prevent you from meeting your contractual obligations to us or where we are required to process (including retaining) your personal data for a lawful purpose in accordance with the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018
Behavioral remarking
Assured Financial Solutions Ltd., uses remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimize and serve ads based on your past visits to our Service. Google AdWords remarketing service is provided by Google Inc. You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page. Google also recommends installing the Google Analytics Opt-out Browser Add-on for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page.
Service Providers
We may employ third party companies and individuals to facilitate our service, to provide the service on our behalf, to perform service-related services or to assist us in analysing how our service is used. These third parties if employed have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose in accordance with the General Data Protection Regulation 2018 and the Irish Data Protection Act 2018.
Business
If Assured Financial Solutions Ltd. is involved in a merger, acquisition or asset sale, your Personal Information may be transferred. We will provide notice before your Personal Information is transferred and becomes subject to a different Privacy Policy.
Children’s Privacy
Our Service does not address anyone under the age of 13 (“Children”).We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your Children has provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from children under age 13 without verification of parental consent, we take steps to remove that information from our servers.
Future Changes to this Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, please contact us at:
Assured Financial Solutions Ltd.,
2nd Floor,
10 Westend,
Main Street,
Ballincollig,
P31 R634,
Co Cork.
Assured Financial Solutions Ltd. is committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights.
For the purposes of the GDPR the data controller is Assured Financial Solutions Ltd. Our contact details are 2nd Floor, 10 Westend, Main Street, Ballincollig, Co. Cork P31 NP60 Email at adancey@afs.ie and telephone 021 4875410
When we refer to we/us, we mean Assured Financial Solutions Ltd.
Please read this Privacy Notice carefully as this sets out the basis on which any personal data, we collect from you, or that you provide to us, will be processed by us.
Who are we?
Our Data Protection Officer can be contacted directly here:
- Alexandria Mia Dancey
- adancey@afs.ie
- 089 2565116
How do we collect your information and what information do we collect?
Our organisation collects personal data in the following ways, if you:
- request a service from us; an example being retirement planning, investment advice or life assurance.
- register your details with our website or online applications; including submitting contact information on our client referral program page
- use our website/apps and it installs cookies or other tracking technologies onto your device (see our cookies policy notice on our company website)
- contact us with a complaint or query;
- apply for a position with us; HR may retain personal details on new applicants and for former employees (up to six years in the case of payroll records)
What information do we collect?
The information we collect about you includes the following:
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Contact and Identifying information, e.g., name, address, contact details; email, mobile, landline |
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Unique identifiers e.g. · PPS number – the reason why we collect your PPS number is identification and Anti-Money Laundering Compliance obligations · pension scheme reference number- as part of our daily service provision and record keeping for our clients. · insurance policy numbers, as part of our daily service provision and record keeping for our clients. |
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Demographic details, age, gender, marital status, lifestyle, and insurance requirements; date of birth, dependents, photo ID, as well as collecting personal information about you, we may also use personal information about other people, for example family members you wish to insure on a policy. E.g., your children/spouse |
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Family and Beneficiary Data, e.g., dependants, next of kin or nominated beneficiaries, Power of Attorney, Enduring Power of Attorney. Details of Solicitor/Tax Advisor/Accountant. |
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Employment information e.g., role, employment status (such as full/part time, contract), salary information, employment benefits, and employment history; This information is necessary for our Fact Find with our clients. |
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Publicly available sources: e.g., Information about you in the public domain such as Director information from the Companies Registration Office. |
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Health information As a company we only seek to retain and process the minimum required data. As such, when it comes to medical data we act as a conduit. By this we mean we will facilitate your providing the medical/health data to the product producer. An example of this would be to provide a portal link for you to submit health data to your product producer such as Irish Life. We would not seek to see nor retain these files ourselves. Information about your health status, medical records and medical assessment outcomes; medical information relating to personal habits (e.g., smoking and consumption of alcohol), medical history, will not be retained in our own files going forward. During the processing of claims we may see medical and health data but we do not retain in our client records. We may also process certain special categories of information, for example information about your personal characteristics (biometric information) or disability information if it is pertinent to your case, for example if you are considered a vulnerable client. In such circumstances the personal health/medical data is pertinent to our relationship with the client and in these special cases we make exception to our non-retention practise. |
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Pensions and Insurance Benefits information such as current benefits, pension entitlement information, date of retirement and any relevant matters impacting your benefits such as voluntary contributions, PAO |
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Financial details e.g., bank account details, details of your credit history and bankruptcy status, salary, tax code, third-party deductions, bonus payments, benefits and entitlement data, national insurance contributions details, |
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Claims Data (From you and any relevant third parties |
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Marketing preferences: we will only send you direct marketing if you explicitly consent. |
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Online information: e.g., information about your visits to our websites; see our website cookie policy tab. |
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Searches that we undertake in relation to sanctions, money laundering and credit checks. These include PEP searches and AML searches. |
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Calculators on our website. We use this data to perform calculations to prepare quotations for life insurance or mortgages. |
When our organisation collects sensitive personal data as defined within the GDPR we will ensure that we require this information, and we have your explicit consent and/or authorisation prior to our collection. Please see the further information contained in this Privacy Notice that outlines special categories of personal data.
Information we automatically collect.
We sometimes automatically collect certain types of information when you visit our websites and through e-mails when we communicate with you. Automated technologies may include the use of web server logs to collect IP addresses, “cookies” and web beacons. Other cookies such as functional cookies, marketing cookies and analytical cookies will only be used with your expressed consent. Further information about our use of cookies can be found in our Cookie Notice at the footer of our web page
https://afs.ie/
How do we use your personal data?
Your Personal Data will be used to enable us to fulfil our contractual obligations in relation to your request for insurance, investment, protection, pension products, independent financial advice, quotes.
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Performing services for our clients and prospective clients – when you require insurance/investment products, we use your data to enable us to provide the required product |
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Statutory and other regulatory requirements – we are required to carry out various obligations which include: · AML/Sanction checking · Knowing your customer “Fact Find” · Adherence to the Consumer Protection Code |
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Communicate and marketing to you – you may subscribe to our newsletter |
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To process claims |
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To contact you if required or to respond to any communications that you might send to us. |
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Carry out our obligations arising from any contracts entered between you and us and to provide you with the information, products and services that you request. |
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Provide professional services |
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Handling complaints |
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To notify you about changes to our service |
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Legal Basis We need to ensure that we process your personal data lawfully. We rely on the following legal grounds to collect and use your personal data.
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If you require further information on any of the above basis for processing your data, we can provide you with further details.
How we share your data
When required, we may make your information available to third parties with whom we have a relationship, where that third party is providing services on our behalf. We will only provide those third parties (data processors) with information that is necessary for them to perform the services. We will take measures to protect your information, such as putting in place Standard Contractual Clauses and confidentiality agreements.
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Insurance Partners where we need to manage the services provided to you such as Product Providers and insurance underwriters, reinsurers, and loss adjuster. |
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Medical professionals, e.g., where you provide health information in connection with a claim against your insurance policy; or when we are providing a quote for insurance. |
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Public authorities, regulators and government bodies, where necessary for us to comply with our legal and regulatory obligations, or in connection with an investigation of suspected or actual illegal activity. |
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Third-party processors: We outsource our processing operations to suppliers that process personal information on our behalf. Examples include IT service providers who manage our IT and back-office systems and telecommunications networks, and accounting and payroll providers, CRM providers. We partner with IT.IE based in Dublin for our internet and cyber security needs. For off-site GDPR compliant data storage we partner with Digital Documents Ltd of Youghl, Co. Cork These processing operations remain under our control and we have data processing agreements in place with all our third-party processors to ensure all processing is carried out in accordance with our security standards and the GDPR.
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Security
The security of your personal data is important to us, we have implemented appropriate technical and organisational measures to ensure a level of security appropriate to the risk. We have processes in place to protect your personal data from loss, unauthorised access, misuse, alteration and destruction.
Retention
Assured Financial Solutions Ltd. shall not keep personal data in a form that permits identification of data subjects for a longer period than is necessary.
Assured Financial Solutions Ltd. may store data for longer periods if the personal data will be processed solely for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes, subject to the implementation of appropriate technical and organisational measures to safeguard the rights and freedoms of the data subject.
The retention period for each category of personal data will be set out in our Retention Schedule along with the criteria used to determine this period, including any statutory obligations we have. Should you require further information we would be happy to provide.
Personal data will be disposed of securely.
Data Subjects Rights:
Assured Financial Solutions Ltd. will facilitate your rights in line with our data protection policy and the Subject Access Request Procedure.
This is available on request.
- Right of access – you have the right to request a copy of the information that we hold about you.
- Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
- Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records. (The erasure of such data will be dependent on our other legal obligations, and whether the data is subject of legal privilege).
- Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
- Right of portability – you have the right to have the data we hold about you transferred to another organisation.
- Right to object – you have the right to object to certain types of processing such as direct marketing.
- Right to object to automated processing, including profiling.
- Right to make a complaint: if we refuse your request under rights of access, we will provide you with a reason as to why.
All the above requests will be forwarded on, should there be a third party involved, as we have indicated in the processing of your personal data.
Complaints
If you wish to make a complaint about how your personal data is being processed by Assured Financial Solutions Ltd. or how your complaint has been handled, you have the right to lodge a complaint with our Data Protection Officer.
Failure to provide further information.
If we are collecting your data for a contract and you cannot provide this data, the consequences of this could mean the contract cannot be completed or details are incorrect.
When you fail to provide us with information we require to fulfil our obligations to you, we may be unable to offer our services to you.
Special Categories of personal data
Special categories of data are sensitive in relation to your fundamental rights and freedoms and therefore require specific protection when processed as these could create significant risks to the rights and freedoms of individuals.
If we collect any special categories of personal data, we will either obtain your explicit consent or we will adhere to the Data Protection Act 2018. This Act allows us to process special categories of personal data for insurance and pension purposes. We will ensure we have suitable and specific measures in place to safeguard the rights and freedoms of you and the processing of your data. These measures relate to the below:
- a policy of insurance or life assurance,
- a policy of health insurance or health related insurance
- an occupational pension, a retirement annuity contract or any other pension arrangement
- the mortgaging of a property
Contact Us
Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on 089 256 5116
Privacy notice/ statement changes
When we update this Privacy Notice/Statement, we will post a revised version online. Changes will be effective from the point at which they are posted. We would encourage you to review our Privacy Notice so that you are aware of updates.
This privacy policy was last reviewed in January 2023