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Privacy Statement

Introduction

 

Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin 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 Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin in relation to the information we collect about you.

For the purposes of the GDPR the data controller is:

  • Mark Cahill
  • Contact details Mark Cahill
  • When we refer to ‘we’ it is Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin.

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?

 

  • Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin is a financial services brokerage that provides advice in relation to Pension, Mortgage, Investment, Life products from speficied agengies

 

Our Data Protection Officer / GDPR Owner and data protection representatives can be contacted directly here:

 

Purpose for processing your data

 

Why we are processing your data? Our legal basis.

 

In order for us to provide you accurate and ongoing advice,  Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin need to collect personal data foroffering a high quality service. Our reason  for processing your data under the GDPR is:

  • Legal basis – Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin needs to process your data as this is necessary in relation to a contract of insurance to which the individual has entered into or because the individual has asked for something to be done so they can enter into a contract. Processing may be in relation to pension, life, mortgage and Investment products.

 

 

In any event, Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin. 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.

 How will Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin use the personal data it collects about me?

 

Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin. 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 endeavor to keep your information accurate and up to date, and not keep it for longer than is necessary.

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

Who are we sharing your data with?

 

We may pass your personal data on to third-party service providers contracted to Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin. 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 Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin’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 explicit consent, unless we are legally required to do otherwise.

The third parties that we pass your personal data to are:

  • Sean Couch t/a Dublin Mortgage Company (for mortgage related processing)
  • PIBA (Professional Insurers Brokers Association) ..(For compliance and mortgage related processing)
  • All Life Insurance and Mortgage Companies whom Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin has a direct agency with.

We have issued all our third party processors with a Data Processor checklist asking them GDPR specific questions

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:

Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin facilitate you, our clients, 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.
  • 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 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. Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin. will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin and our internal governance.

Complaints

In the event that you wish to make a complaint about how your personal data is being processed by Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin.or how your complaint has been handled, you have the right to lodge a complaint directly with the supervisory authority and Organisation Name’s data protection representatives Data Protection Officer / GDPR Owner

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 – automatic decision making

Profiling – automatic decision making

Profiling;

Financial and mortgage advisors using profiling in their business.  The main categories are

  1. Risk profiling.
  2. Profiling for marketing purposes.
  3. Establishing affordability and providing quotations for financial services and mortgage product
  1. a) 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.

  1. Profiling for marketing purposes.

When we seek to contact you about other services, as outlined above * we run automated queries on our computerised data base to establish the suitability of proposed products or services to your needs.

  1. Establishing affordability and providing quotations for financial services products.

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.

Contact Us

Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on 01-4411948 or [email protected]

Privacy policy statement changes

Mark Cahill t/a North Dublin Mortgages, Mark Cahill Financial Services, Company Pension, Pension Dublin 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.

This privacy policy was last reviewed in February 2020