Introduction
Michael Cassidy Financial Services 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 as a client.
This document is being provided to you in line with our obligations under the General Data Protection Regulation (GDPR), which will come into force on 25th May 2018. From that date, the GDPR, together with applicable Irish requirements, will amend existing data protection law and place enhanced accountability and transparency obligations on organisations when using your information. The GDPR will also introduce changes which will give you greater control over your personal information, including a right to object to processing of your personal information where that processing is carried out for our business purposes.
It is the intention of this privacy statement to explain to you the information practices of Michael Cassidy Financial Services in relation to the information we collect about you and what rights you have in relation to your personal information. When we refer to ‘we’ it is Michael Cassidy Financial Services .
It is the intention of this privacy statement to explain to you the information practices of Michael Cassidy Financial Services in relation to the information we collect about you.
For the purposes of the GDPR the Data Controller is:
Michael Cassidy Financial Services
Address : 26 Market Square, Navan, Co Meath
Phone: 046 9077758
Email: info@michaelcassidy.ie
Our Data Protection Officer can be contacted directly here: info@michaelcassidy.ie
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?
Michael Cassidy Financial Services . is regulated by the Central Bank of Ireland as an investment business firm under the Investment Intermediaries Act, 1995; as amended, as a mortgage intermediary authorised under the Consumer Credit Act, 1995, as amended, and as an insurance intermediary registered under the European Communities (insurance Mediation) Regulation, 2005.
Services Provided
Michael Cassidy Financial Services provides its life, investment, pension and mortgage services to our clients on a fair analysis basis. “Fair analysis of the market” means that our firm provides its life, investment, pension and mortgage services on the basis of a sufficiently large number of contracts and product providers available on the market to enable our firm to make a recommendation, in accordance with professional criteria, regarding which contract would be adequate to meet our clients consumer’s needs. When our firm provides non-life and deposit services to clients we provide this service on a limited analysis basis meaning that our firm provides non-life and deposit services to clients on the basis of a limited number of contracts and product producers available on the market.
Michael Cassidy Financial Services are authorised to provide advice and arrange business on your behalf in relation to mortgages, insurance policies, tracker bonds, and Personal Retirement Savings Accounts (PRSA’s). Insurance policies include mortgage protection, life and serious illness cover, pensions, permanent health insurance, savings plans, deposits and general insurance products such as household insurance. Michael Cassidy Financial Services also provide house insurance through our agency with Aviva Insurance Europe SE.
Purpose for processing your data
Michael Cassidy Financial Services may collect and hold the following personal Data through the process of an application, a Fact Find or a policy review. This information may be requested by us or could be offered by you voluntarily. It can include but is not limited to:
We process your data when
If you contact us we will keep a record of that correspondence
Details of your visits to the website and information collected through cookies and other tracking technologies including, but not limited to, your IP address and domain name, your browser version and operating system, traffic data, location data, web logs and other communication data, and the resources you access.
Typically, the legal basis for using your data is to provide a service or arrange a transaction which you have requested. The legal basis will also include complying with our legal and regulatory obligations, e.g. under our Central Bank authorizations, interaction with the Data Protection Commission, Financial Services and Pensions Ombudsman, Revenue, Pensions Authority, when conducting Anti-Money Laundering checks, law enforcement agencies.
Where you have agreed or explicitly consented to the using of your data in a specific way, you may withdraw your consent at any time. This can be done by emailing us at info@michaelcassidy.ie or writing to us at 26 Market Square, Navan, Co Meath
We also use the non-personal data such as demographic information regarding, for example, user IP address where they have been clipped or anonymized, browser types and other anonymous statistical data involving the use of our website. We use this non-personal data to help design and organize our website.
We may provide non-personal data to third parties, where such information is combined with similar information of other users of the website e.g. we might inform third parties regarding the number of unique users visit our website, the demographic breakdown of other community users of our website, or the activities that visitors to our website engage in while on our website. The third parties to whom we may provide this information may include potential or actual advertisers, providers of advertising services (including websites tracking services), commercial partners, sponsors, licensees, researchers, and other similar parties.
Special Categories of personal data
If we collect any special categories of personal data (e.g. health, religious beliefs, racial, ethnic origin – financial information is not classified as special categories of personal data) – we will ensure the we will obtain your explicit consent
Who are we sharing your data with?
We may pass your personal data on to third-party service providers contracted to Michael Cassidy Financial Services 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 their procedures.
If we wish to pass your sensitive personal data onto a third party we will only do so once we have obtained your explicit consent, unless we are legally required to do otherwise.
The third parties that we pass your personal data to are:
You may be a customer of both Michael Cassidy Financial Services and these third parties, and we and our partners may collect and share information about you detail. We are not responsible for third parties’ use of your personal data where such use is permitted for their own purposes. Please consult their privacy policies for further information.
Please see a list of the current agencies that we hold you can access their privacy notices on their websites:
Irish Life Assurance | New Ireland Assurance |
Aviva Life & Pensions | Standard Life |
Zurich Life Assurance | Cantor Fitzgerald Ireland Limited |
Friends First Life Assurance | Royal London |
Wealth Options | BCP Asset Management |
Broker Solutions | ICS |
Mortgage Brain | Finance Ireland Credit Solutions DAC |
Network IT | Aviva Insurance Ireland DAC |
Ulster Bank Ireland Limited | Dublin City Council |
KBC Bank Ireland | Cork City Council |
Permanent TSB | Kilkenny County Council |
Brokers Ireland Network | Galway County Council |
Haven Mortgages Limited | Independent Trustee Company |
Michael Cassidy Financial Services may make amendments to the above list in the future by adding or removing an agency from the above list.
If we transfer personal data to a third party or 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:
Michael Cassidy Financial Services facilitate you, our clients, rights in line with our 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:
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. Michael Cassidy Financial Services will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body and our internal governance. Typically this is for 6 years after our relationship ends. However if you never take a contract with us or formally become a client we will destroy any data you gave to us 3 months after our last contact.
Complaints
In the event that you wish to make a complaint about how your personal data is being processed by Michael Cassidy Financial Services or how your complaint has been handled, you have the right to lodge a complaint directly with the Office of Data Protection. Contact Details are:
Office Data Protection, Canal House, Station Road, Portarlington, Co Laois, Ireland
Phone +353 (0761) 104 800 | LoCall 1890 25 22 31 | Fax +353 57 868 4757 | email info@dataprotection.ie
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. We may not be able to give you suitable advice and ongoing service
Cookie Information
Cookies are small pieces of information stored in simple text files, placed on your computer by a website. Cookies can be read by the website on your subsequent visits. The information stored in the cookie may relate to your browsing habits on the webpage, or a unique identification number so that the website can remember you on your return visit. Generally speaking, cookies do not contain personal information from which you can be identified, unless you’ve furnished such information to the website. You can change the settings on your internet browser to refuse all cookies if you wish.
We use cookies to collect information about visitors use of the website, including things like connection speed, operating system details, the time and duration of visits, and IP addresses. The information collected by cookies enables us to understand the use of our websites, including the number of visitors that we have, the pages viewed, time exposed to particular pages, etc. This in turn helps us to provide visitors with a better experience. We will not attempt to personally identify visitors from their IP addresses.
Cookies do not in any way compromise the security of your computer. Visitors can use most of our website with no loss of functionality if cookies are disabled from the web browser.
Analyst Tracking Software – Google Analytics
We may use Google Analytics, a service provided by Google, like many other websites. The cookies set by it gather anonymous data of how people are using this website and then provide us with visitor statistics, details of page views, etc., which enables us to provide better and more relevant content for visitors in the future. You can opt-out of Google Analytics by visiting the Google Ads Settings page on the Google website.
Profiling – automatic decision making
We may analyse your information using automated means:
The types and sources of the information we process by automated means about you are listed under heading Purpose for Processing Data above. We also use automated processing to assist in compliance with our legal obligations in connection with prevention of money laundering, fraud and terrorist financing.
The results of the automated decision making may limit the products or services that we can provide to you. You can contest the decision based solely on automated decision making and require Michael Cassidy Financial Services to exercise human intervention. Where you have any concerns, you are entitled to discuss them with a member of our staff.
The main categories of profiling and automatic decision making are
a) Risk profiling.
b) Profiling for marketing purposes.
c) Establishing affordability and providing quotations for financial services and mortgage product
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.
Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on 046 9077758 or info@michaelcassidy.ie
Privacy policy statement changes
Michael Cassidy Financial Services may change this privacy policy from time to time. When such a change is made, we will post a revised version online. Changes will be effective from the point at which they are posted. It is your responsibility to review this privacy policy periodically so you’re aware of any changes. By using our services you agree to this privacy policy.