Privacy Statement

Introduction

Cantwell Financial Advisors 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 as a client.

It is the intention of this privacy statement to explain to you the information practices of Cantwell Financial Advisors Ltd in relation to the information we collect about you.

For the purposes of the GDPR the data controller is:
• Cantwell Financial Advisors Ltd.
• Our contact details are: Cantwell Financial Advisors Ltd., 3 Main Street, Tramore, Co Waterford.
Tel: 051 338819; Email: info@cantwellfinancial.ie
• When we refer to ‘we’ it is Cantwell Financial Advisors Ltd.

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?

Cantwell Financial Advisors Ltd was established in 2013 by Karen Cantwell. We provide advice and arrange transactions on behalf of clients in relation to Life Assurance, Serious Illness Insurance, Income Protection, Inheritance Tax Planning, Retirement planning/Pensions, Savings and Investments contracts. We provide bespoke and personalised solutions that cater for each person’s unique requirements by working in a relationship with our clients.

Our GDPR Owner and data protection representatives can be contacted directly here:

• Karen Cantwell
• info@cantwellfinancial.ie

Purpose for processing your data

The nature of our business means that the majority of the time we are required to obtain and process high levels of personal and confidential information from our clients in order for us to provide you our professional services.

Why we are processing your data? Our legal basis.

In order for us to provide you with the products or services you have requested, Cantwell Financial Advisors Ltd need to collect personal data to provide you with a quotation, arrange transactions on your behalf, administer, manage your policy and assist with claims as part of our service.

Our reason (lawful reason) for processing your data under the GDPR is:

• Legal basis – Cantwell Financial Advisors Ltd 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.

In any event, Cantwell Financial Advisors Ltd 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.

What information we gather:

In general, you may visit our website without identifying yourself or revealing any personal information. Cantwell Financial Advisors Ltd collects domain information from your visit to customise and improve your experience on our website.
The website may collect certain information from your visit, including the date and time of your access, the pages you have accessed, the name of the Internet Services Provider and the Internet Protocol address by which you are accessing the Internet, and the internet address from which you linked to our site, if applicable. We use this information to better understand how our website is being used so that we can improve its performance.
Some portions of this website may request that you give us information about yourself from which we are able to identify you, such as your name, email or other address. Some of the ways in which we may collect information from you are:
• Subscription to newsletters or other content related correspondence
• Event registration for seminars, conferences etc.
• White paper or other downloads

How will Cantwell Financial Advisors Ltd use the personal data it collects about me?

We 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.

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?

As a Financial Broker we share your data with the insurance companies we deal with in order to provide you with the relevant service or product. We only collect and process this information on the basis of necessity to fulfil our professional obligations to you and our regulatory obligations to the relevant regulatory authorities.

We may pass your personal data on to third-party service providers contracted to Cantwell Financial Advisors Ltd 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 Cantwell Financial Advisors Ltd 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 the Insurance companies and business partners we deal 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 Security:
Cantwell Financial Advisors Ltd intent is to strictly protect the security of your personal information; honour your choice for it’s intended use; and carefully protect your data from loss, misuse, unauthorised access or disclosure, alteration or destruction. We have taken appropriate steps to safeguard and secure information we collect online, including the one of encryption when collecting or transferring sensitive data.

Data Subjects Rights:

Cantwell Financial Advisors Ltd facilitate you, our clients, rights in line with our data protection policy and the subject access request procedure. This is available on request.

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 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. Cantwell Financial Advisors Ltd will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body and our internal governance.

How to update and/or amend the personal information you have provided?
You are entitled to know whether we hold information about you and, if we do (subject to certain limitations), to have access to that information and have it corrected if it is inaccurate or out of date. To exercise your Right of Access or to update your details under your right of rectification or erasure, please email your address to the contact address below along with proof of identity.

Business Relationships

This website contains links to other websites, Cantwell Financial Advisors Ltd is not responsible for the privacy practices or the content of such websites. Cantwell Financial Advisors Ltd uses pixels and other methods to help manage online advertising.

Complaints
In the event that you wish to make a complaint about how your personal data is being processed by Cantwell Financial Advisors Ltd or how your complaint has been handled, you have the right to lodge a complaint directly. We encourage you to email us in the first instance at info@cantwellfinancial.ie or write to us at Cantwell Financial Advisors Ltd., 3 Main Street, Tramore, Co Waterford.

Failure to provide further information

If we are collecting your data for a contract x 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

We use profiling, in the following circumstances:

a) Risk profiling.
b) Profiling for marketing purposes.
c) Establishing affordability and providing quotations for financial service products.

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.

b) 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.

a) 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 051 338819 or info@cantwellfinancial.ie
Privacy policy statement changes
Cantwell Financial Advisors Ltd 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 May, 2018