31st March 2020 GDPR & Privacy Section

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Privacy Statement

Irish Pensions & Finance is committed to protecting and respecting your privacy.

It is the intention of this privacy statement to explain to you the information practices of Irish Pensions & Finance in relation to the information we collect about you and other users.

For the purposes of the GDPR the data controller is:

  • Irish Pensions & Finance
  • Suites 3 & 4 Gowna Plaza, Bracetown Business Park, Clonee, Co. Meath


Please read this Statement 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?

Irish Pensions & Finance provide financial advice to Public & Private Sector employees. Our team of Qualified Financial Advisors provide their clients with the tools they need to set their objectives and reach their financial goals. Irish Pensions & Finance have agencies with the top Life Companies in Ireland, allowing us to guide our clients through the application process.

Our Data Protection Officer can be contacted directly here:

  • Carol Crahan
  • carol@ipf.ie
  • 01 8298500


Why do Irish Pensions & Finance need to collect and store personal data?

In order to arrange your financial consultation, we need to collect your contact and employment details. During your consultation, we will need to collect personal data to allow us assess your current financial situation and help you define your financial needs, goals and objectives. In any event, we are committed to ensuring that the information we collect and use is appropriate for this purpose, and does not constitute an invasion of your privacy.

In terms of being contacted for marketing purposes, Irish Pensions & Finance would contact you for additional consent.

How will Irish Pensions & Finance use the personal data it collects about me?

Irish Pensions & Finance will process (collect, store and use) the information you provide in a manner compatible with the EU’s General Data Protection Regulation (GDPR). We will endeavour to keep your information accurate and up to date, and not keep it for longer than is necessary.

Irish Pensions & Finance is required to retain information in accordance with the law, such as information needed for income tax and audit purposes. How long certain kinds of personal data should be kept may also be governed by specific business-sector requirements and agreed practices. Personal data may be held in addition to these periods depending on individual business needs.


Under what circumstances will Irish Pensions & Finance contact me?

Our aim is not to be intrusive, and we undertake not to ask irrelevant or unnecessary questions. Moreover, the information you provide will be subject to rigorous measures and procedures to minimise the risk of unauthorised access or disclosure.


Why we are processing your data?

Our reason and purpose for processing your personal data is:

  • We have your consent
  • We need to process your data in order to complete your financial consultation, provide you with appropriate financial advice and/or process a financial product application where applicable, where you, the data subject, is a party.

Irish Pensions & Finance processes data without consent in order to fulfil contractual obligations [such as bank details to process an application, postal address in order to supply services, etc.].


  • We have a legal obligation that needs to meet
  • protect the vital interests of you, the data subject, including the protection of rights and freedoms
  • processing that is in the public interest
  • necessary for the legitimate interests of the data controller or third party, unless the processing is overridden by the vital interests, including rights and freedoms
  • national law


Special Categories of personal data

If we collect any special categories of personal data (e.g. health, religious beliefs, racial, ethic origin – financial information is not classified as special categories of personal data) – we will ensure the below


  • we will obtain your explicit consent
  • ensure the personal data is necessary for employment rights or obligations;
  • protect the vital interests of the data subject, including the protection of rights and freedoms;
  • necessary for the legitimate activities with appropriate safeguards;
  • personal data made public by the data subject;
  • legal claims;
  • substantial public interest;
  • preventive or occupational medicine, for the assessment of the working capacity of the employee, medical diagnosis, provision of health or social care treatment, or management of health and social care systems and services, under the basis that appropriate contracts with health professionals and safeguards are in place;
  • public health, ensuring appropriate safeguards are in place for the protection of rights and freedoms of the data subject, or professional secrecy;
  • national laws in terms of processing genetic, biometric or health data.


Who are we sharing your data with?

We may pass your personal data on to third-party service providers contracted to Irish Pensions & Finance in the course of dealing with you. Any third parties that we may share your data with are obliged to keep your details securely, and to use them only to fulfill the service they provide on your behalf. When they no longer need your data to fulfil this service, they will dispose of the details in line with Irish Pensions & Finance’s procedures. If we wish to pass your sensitive personal data onto a third party we will only do so once we have obtained your consent, unless we are legally required to do otherwise.

If we transfer personal data to a third party outside the EU, we as the data controller will ensure the recipient (processor or another controller) has provided the appropriate safeguards and on condition that enforceable data subject rights and effective legal remedies for you the data subject are available.


Data Subjects Rights:

We, Irish Pensions & Finance, facilitate the data subject’s rights in line with the data protection policy and the subject access request procedure. This is available on request.

Your rights as a data subject

At any point while we are in possession of or processing your personal data, you, the data subject, have the following rights:

  • 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.
  • 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 – you also have the right to be subject to the legal effects of automated processing or profiling.
  • Right to judicial review: in the event that Irish Pensions & Finance refuses your request under rights of access, we will provide you with a reason as to why. You have the right to complain as outlined in clause 3.6 below.

All of 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.


Additional information we are providing you with to ensure we are transparent and fair with our processing

Retention of your personal data

Data will not be held for longer than is necessary for the purpose(s) for which they were obtained. Irish Pensions & Finance will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body (Central Bank of Ireland) and our internal governance.


Withdraw consent

If we are relying on your consent to process your data you can withdraw this at any time – this does not affect the lawfulness of processing based on your consent before its withdrawal.



In the event that you wish to make a complaint about how your personal data is being processed by Irish Pensions & Finance (or third parties as described in 3.4 above), or how your complaint has been handled, you have the right to lodge a complaint directly with The Financial Services & Pensions Ombudsman authority and Irish Pensions & Finances representatives Data Protection Officer Carol Crahan.


Failure to provide further information

If we are collecting your data for a statutory requirement (payroll) or to fulfill a contract (life policy or motor insurance policy) and you cannot provide this data, the consequences of this could mean the contract cannot be completed or details are incorrect.


Profiling – automatic decision making

Irish Pensions & Finance may from time to time carry out automatic decision making (for example; Risk Profiling or insurance underwriting) where relevant.

You will be notified in advance of any instance of this and have the right to object to this at any time.


Additional Processing

If we intend to further process your personal data for a purpose other than for which the data was collected, we will provide this information prior to processing this data.



The Data Protection Officer is responsible for ensuring that the privacy notice(s) is correct and that mechanisms exist such as having the Privacy Notice(s) on Irish Pensions & Finances website to make all data subjects aware of the contents of this notice prior to Irish Pensions & Finance commencing collection of their data.

All staff that need to collect personal data are required to follow this procedure.


Questions Regarding the Privacy Statement and Conditions of Use

If you have any questions about our Privacy Statement and Conditions of Use, or any concern about privacy at the IAPP or the use of this Site in general, please contact us by e-mail at info@ipf.ie.


Under the EU’s General Data Protection Regulation (GDPR) personal data is defined as:

“any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person”.


3rd Party Privacy Statements:

New Ireland Assurance -> https://www.newireland.ie/utilities/privacy-statement/

Aviva -> http://www.aviva.ie/privacy/

Zurich Life -> https://www.zurich.ie/privacy-policy/

Standard Life -> https://www.standardlife.com/sl/privacy-policy.page

Irish Life -> https://www.irishlife.ie/privacy-notice

Friends First -> https://www.friendsfirst.ie/privacy/

Royal London -> https://www.friendsfirst.ie/privacy/

Blackbee -> http://blackbee.ie/privacy-policy-documents/

Bump Insurance -> http://bump.ie/wp-content/uploads/2018/05/Privacy-Notice-BUMP.pdf

Footprint -> http://www.footprintunderwriting.ie/privacy.html

Prestige -> http://www.prestigeunderwriting.co.uk/

Covercentre -> Covercentre PrivacyStatement

MIS -> https://www.misclaims.eu/privacy-policy/

Kennco -> https://www.kennco.ie/privacy-statement/

ARB -> http://www.arb.ie/privacy-notice

Patrona -> http://www.patrona.ie/Documents/onlineprivacystatement.pdf

Blue -> https://www.blueinsurance.ie/privacypolicy-IRL.asp

Wrightway -> http://www.wrightway.ie/Regulations/Default.htm


Owen Dwyer & Claire Hanrahan T/A Irish Pensions & Finance T/A Personal & Corporate Professional Financial Services are regulated by the Central Bank of Ireland.