Privacy Policy
Introduction
The Pension Store Ireland Limited trading as the pension store 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.
It is the intention of this privacy statement to explain to you the information practices of the pension store in relation to the information we collect about you.
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?
The Pension Store Ireland Limited trading as the pension store is a member of Brokers Ireland.
Our principal business is to provide advice and arrange transactions on behalf of clients in relation to life & pensions products.
Our Data Protection Officer / GDPR Owner and data protection representatives can be contacted directly here:
Kevin Henry
Dataprotection@thepensionstore.ie
(087) 123 2475
Privacy Statement
The purpose of this Privacy Statement is to outline how we collect and deal with any personal data you provide to us while visiting this website, and how we use “cookies” technology. Naturally, if you are not happy with this Privacy Statement, you should not use this website. By visiting this website, you are accepting the terms of this Privacy Statement. Any external links to other websites are clearly identifiable as such, and we are not responsible for the content or the privacy policies of these other websites. Different terms and conditions may apply to such websites, and such websites may not maintain the same standards of privacy as this website.
We retain two types of information:
- Personal Data
This is the data that identifies you or can be used to identify or contact you and may include your name, address, telephone numbers, e-mail addresses and date of birth. This information is only collected from you if you voluntarily submit it to us, and we will always at the time of request for entry inform you of the reasons why we require your Personal Data.
2. Non-Personal Data
Similar to most websites, we gather statistical and other analytical information collected on an aggregate basis on all visitors to our website. This Non-Personal Data comprises information that cannot be used to identify or contact you, such as demographic information regarding, for example, user IP addresses where they have been clipped or anonymised, browser types and other anonymous statistical data involving the use of our website. We use the Non-Personal Data gathered from visitors to our website in an aggregate form to get a better understanding of where our visitors come from and to help us better design and organise our website.
Cookies
This website uses “cookies” technology. A cookie is a piece of text stored by the browser on your computer, at the request of our server. We may use cookies to deliver content specific to your interests and to save your personal preferences so that you do not have to re-enter them each time that you connect to our website. You are always free to decline our cookies, if your browser permits, or to ask your browser to indicate when a cookie is being sent. You can also delete cookie files from your computer at your discretion. Note that if you decline our cookies or ask for notification each time a cookie is being sent, this may restrict your ease of use of this website.
Personal Data
We will process any Personal Data you provide to us for the following purposes:
• To provide you with information about our products and services.
• To contact you if required in connection with your account or enquiry and to respond to any communications you might send us.
• To process on-line application forms submitted to us for the purposes of providing financial products. Any applications submitted on-line or by e-mail will be subject to the same terms and conditions as those completed by hand in paper form including additional terms and conditions relating to credit reference checking, money laundering and regulatory notices.
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 below
• we will obtain your explicit consent
Disclosure of Information to Third Parties
We may provide Non-Personal Data to third parties, where such information is combined with similar information collected from other users of our website, for example number of unique users who visit our website, the demographic breakdown of our community users of the website, or the activities that visitors to our website engage in while on our website. We will not disclose your Personal Data to third parties unless you have consented to this disclosure or unless the third party is required in order to process an application or other communication from you or to perform the services that you have applied for. We will however disclose your Personal Data if we believe in good faith that we are required to disclose it in order to comply with any applicable law, a summons, a search warrant, a court or regulatory order, or other statutory requirement.
We may pass your personal data on to a third-party service provider/product producer contracted to the pension store in the course of providing our service to you. Any third parties that we may share your data with are obliged to keep your details securely, and to use them only to fulfil 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 GDPR procedures and guidelines.
If we 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.
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.
Sale of Business
We reserve the right to transfer information (including your Personal Data) to a third party in the event of a sale, merger, liquidation, receivership or transfer of all or substantially all of the assets of The Pension Store Ireland Limited trading as the pension store, provided that the third party agrees to adhere to the terms of this Privacy Statement and provided that the third party only uses your Personal Data for the purposes that you provided it to us. You will be notified in the event of any such transfer and you will be afforded an opportunity to opt-out.
Security
Your Personal Data is held on secure servers hosted by our Internet Service Provider. We take our responsibilities in relation to the security of your Personal Data very seriously. The nature of the internet is such that we cannot guarantee or warrant the security of any information you transmit to us via the internet. No data transmission over the internet can be guaranteed to be 100% secure. However, our website https:www.thepensionstore.ie has an SSL cert meaning that a secure connection is made on each visit and that all information transmitted is encrypted which we have undertaken to protect your Personal Data and we will review these measures regularly.
Data Subjects Rights:
We will facilitate your rights as a data subject 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:
• 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
• Right to judicial review : in the event that Organisation Name refuses your request under rights of access, we will provide you with a reason as to why.
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. the pension store will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body the Central Bank of Ireland and our internal governance.
Complaints
In the event that you wish to make a complaint about how your personal data is being processed by the pension store or how your complaint has been handled, you have the right to lodge a complaint directly with the supervisory authority and the pension store’s data protection representatives Data Protection Officer.
Kevin Henry
Dataprotection@thepensionstore.ie (087) 123 2475
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.
Profiling
Financial advisors use profiling in their business. The main categories are
•Risk Profiling
To establish a customer’s attitude to investment risk (relates to pensions and investments) advisors have automated calculators which calculate the customers attitude to various levels of risk having answered a series of questions.
• Profiling for marketing purposes.
When we seek to contact you about other services, as outlined above we may run automated queries on our computerised data base to establish the suitability of proposed products or services to your needs. Establishing affordability and providing quotations for financial services products.
Changes to the Website Privacy Statement
Any changes to this Privacy Statement will be posted on this website so you are always aware of what information we collect, how we use it, and under what circumstance, if any, we disclose it. If at any time we decide to use Personal Data in a manner significantly different from that stated in this Privacy Statement, or otherwise disclosed to you at the time it was collected, we will notify you by e-mail, and you will have a choice as to whether we use your information in the new manner.