The personal data that we collect about you may include the following information:
• Personal data you provide to us in person via our website or by telephone
• General information about you such as your name, address and contact details
• Personal data you provide if you subscribe to any of our mailing or newsletter services
• Financial details such as your bank account and card details
• Information about your use of our website such as your IP address (which is a unique number identifying your computer), including personal data using cookies
We may rely on one or more of the following legal bases when processing your personal data for the following purposes:
• To apply for any insurance contract on your behalf. The processing of your data is necessary in connection with applying for insurance contracts as instructed by you.
• To apply for any mortgage approval on your behalf. The processing of your data is necessary in connection with applying for mortgage approvals as instructed by you
• In the interests of security and to improve our service telephone calls you make to us may be monitored and are recorded. This processing of your personal data is necessary to pursue our legitimate interest in the management and operation of the user group
• To let you know about important developments and news in relation to The Penco Group and to contact you with details of other products (mortgages, protection products, investments, pensions) and services we can provide to you.
We may need to pass your personal data to other companies that may include:
• Mortgage lenders that we may apply for mortgage contracts and services on your behalf
• Insurance groups that we may apply for insurance contracts and services on your behalf
• Organisations that have a specific role laid out in law such as statutory bodies, regulatory authorities and other authorised bodies
• Other organisations where we have a duty to or are permitted to disclose your personal information by law , for example if we received a valid request from the Garda or other third party organisation in the interest of preventing and detecting crime
When you visit our website we may collect information from you, such as your email address, IP address and other online identifiers. This helps us to track unique visits and monitor patterns of customer website traffic such as who visits and why they visit. We may use third parties to collate IP addresses to help us understand our internet traffic data and data regarding your browser type and computer. We may also use web usage information to create statistical data regarding the use of our website. We may then use or disclose that statistical data to others for marketing and strategic development purposes, but no individuals will be identified in such statistical data.
Useful information about cookies, including how to remove them, may be found at allaboutcookies.org
Internet browsers normally accept cookies by default, although it is possible to set a browser to reject cookies. We will ask your permission before using any cookie that is not essential to the email or the use of the website. However, refusing to accept cookies may restrict your use of our website and/or delay or affect the way in which our website operates.
The open nature of the internet is such that data may flow over networks without any security measures and may be accessed and used by people other than those for whom the data is intended. While this is outside of our control, we do take the protection of your information very seriously and aim to apply appropriate levels of security at all times.
We will only store your data for as long as is necessary to comply with the requirements of our regulator The Central Bank of Ireland. Currently they require us to hold client records for at least 6 years after each transaction we undertake on your behalf. You have a number of rights concerning the personal information we use, which you may ask us to observe. In some cases even when you make a request concerning your personal information, we may not be required or able to carry out your request as this may result in us not being able to fulfil our legal and regulatory obligations. If this is the case, we will let you know our reasons.
You may ask us to:
• Provide a copy of your personal information
• Correct or delete unnecessary or inaccurate personal information
• Restrict or object to the use of your personal information at any time
• Provide your personal data in a structured, commonly used and machine-readable format and to have your personal data transferred to another controller
• Where we rely on your consent to use your personal information, you may withdraw that consent at any time. Where your consent is withdrawn, your previous consent will remain valid in respect of our use of your information prior to the date you withdrew it, or if any marketing material has been sent prior to you advising that you do not want us to contact you again.
If you are not satisfied with any response you receive in relation to the way we handle your personal information you may complain to the Data Commissioner’s Office Email : [email protected]