M&T Financial Advisors Limited 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.

For the purposes of the GDPR the data controller is Our contact details are M&T Financial Advisors Limited, Castleard, Ballaghaderreen, Co.Roscommon. Email info@mandtfinancialadvisors.ie

When we refer to we/us, we mean M&T Financial Advisors Limited.

Please read this Privacy Notice 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?

Our Data Protection Officer can be contacted directly here:

• E. Towey
• info@mandtfinancialadvisors.ie

M&T Financial Advisors Limited Financial is regulated by the Central Bank of Ireland as an insurance intermediary( licence number C524509 ) registered under the European Union (Insurance Distribution) Regulations 2018 . Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 1890 777 777 or alternatively visit their website at www.centralbank.ie to verify our credentials. Codes of Conduct M&T Financial Advisors Limited is subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can be found on the Central Bank’s website www.centralbank.ie Our Services M&T Financial Advisors Limited 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. A full list of insurers, product producers with which we deal is available on request. We act as a Broker which means that: The principal regulated activities of the firm are provided on the basis of a fair and personal analysis of the market. M&T Financial Advisors Ltd. is regulated by the Central Bank of Ireland as an insurance intermediary( licence number C524509) registered under the European Union (Insurance Distribution) Regulations 2018 . Copies of our regulatory authorisations are available on request. The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on 1890 777 777 or alternatively visit their website at www.centralbank.ie to verify our credentials. Codes of Conduct M&T Financial Advisors Ltd. is subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards.

How do we collect your information and what information do we collect?

The personal information we collect varies depending upon the nature of our services. We will endeavour to provide you with an overview of those categories of personal data our organisation collects and our purpose for using that data.

Our organisation collects personal data in the following ways, if you:

• request a service from us e.g. a financial review

• register with or use any of our websites or online applications on mandtfinancialadvisors.ie

• use our website/apps and it installs cookies or other tracking technologies onto your device.

• contact us with a complaint or query;

What information do we collect?

The information we collect about you includes the following:

1. Contact and Identifying information, e.g., name, address, contact details; email, mobile, landline
2. Unique identifiers e.g.
   • PPS number – the reason why we collect your PPS number is to meet AML requirements
   • pension scheme reference number- the reason why we collect this is in the event that you wish to authorise us to request information on your behalf once we have received written authorisation from the policy holder
   • insurance policy numbers, the reason why we collect this is this is in the event that you wish to authorise us to request information on your behalf once we have received written authorisation from the policy holder
3. Demographic details, age, gender, marital status, lifestyle, and insurance requirements; date of birth, dependents, photo ID, as well as collecting personal information about you, we may also use personal information about other people, for example family members you wish to insure on a policy. E.g., your children/spouse
4. Family and Beneficiary Data, e.g., dependants, next of kin or nominated beneficiaries, Power of Attorney, Enduring Power of Attorney. Details of Solicitor/Tax Advisor/Accountant.
5. Employment information e.g., role, employment status (such as full/part time, contract), salary information, employment benefits, and employment history;This information is necessary for our Fact Find with our clients.
6. Health information such as information about your health status, medical records and medical assessment outcomes; We collect medical information relating to personal habits (e.g., smoking and consumption of alcohol), medical history. We may also process certain special categories of information, for example information about your personal characteristics (biometric information) or disability information.
7. Pensions and Insurance Benefits information such as current benefits, pension entitlement information, date of retirement and any relevant matters impacting your benefits such as voluntary contributions, PAO
8. Financial details e.g., bank account details, details of your credit history and bankruptcy status, salary, tax code, third-party deductions, bonus payments, benefits and entitlement data, national insurance contributions details,
9. Claims Data (From you and any relevant third parties)
10. Marketing preferences: we will only send you direct marketing if you explicitly consent.
11. Online information: e.g., information about your visits to our websites; refer to your Cookie policy if relevant
12. Criminal records information e.g., the existence of or alleged criminal offences, or confirmation of clean criminal records for motor products.

When our organisation collects sensitive personal data as defined within the GDPR we will ensure that we require this information, and we have your explicit consent and/or authorisation prior to our collection. Please see the further information contained in this Privacy Notice that outlines special categories of personal data.

How do we use your personal data?

Your Personal Data will be used to enable us to fulfil our contractual obligations in relation to your request for insurance, investment, protection, pension products, independent financial advice, quotes.

1. Performing services for our clients and prospective clients – when you require insurance/investment products, we use your data to enable us to provide the required product
2. Statutory and other regulatory requirements – we are required to carry out various obligations which include:
   • AML/Sanction checking
   • Knowing your customer “Fact Find”
   • Adherence to the Consumer Protection Code
3. Communicate and marketing to you – We communicate and market to you via telephone and email
4. Process claims –
5. To contact you if required or to respond to any communications that you might send to us.
6. To administer our site including data analysis, testing, research, statistical and survey purposes.
7. Carry out our obligations arising from any contracts entered between you and us and to provide you with the information, products and services that you request.
8. Provide professional services. Providing financial advice under IDR
9. Handling complaints
10. To notify you about changes to our services

Legal Basis

We need to ensure that we process your personal data lawfully. We rely on the following legal grounds to collect and use your personal data.

1. Performance of a contract: When we enter a contract with you, we will collect and use your personal data to enable us to fulfil that service.
2. Legal obligation: The use of some of your personal data is necessary for us to meet our legal obligations e.g., pension contributions for Revenue Certificates, Regulatory purposes to the Central Bank
3. Consent: Sometimes we may rely on consent as a legal basis for processing your information. For example, we rely on consent to collect and use personal data for any criminal convictions or alleged offences. This is used when we need to assess risk relating to an insurance policy for you. We share this information with other third parties where it is necessary to manage these services provided to you – these services include insurance underwriters, reinsurer and other insurance providers.

We may also rely on your consent to send direct marketing to you. We will ensure that we present this to you concisely. We will also ensure that we use clear and plain language and if you give us your consent you can withdraw this easily at any time.

Sometimes if you refuse to provide information that we reasonably require to provide the services, we may be unable to offer you the services and/or we may terminate the services provided with immediate effect.

4. Legitimate interests: Where we rely on this legal basis to collect and use your personal information, we shall take appropriate steps to ensure the processing does not infringe the rights and freedoms conferred to you under the applicable data privacy laws.

5. Vital interest: Processing data and using vital interests are intended to cover only interests that are essential for someone’s life.

6. Public interest:

If you require further information on any of the above basis for processing your data, we can provide you with further details.

How we share your data

When required, we may make your information available to third parties with whom we have a relationship, where that third party is providing services on our behalf. We will only provide those third parties (data processors) with information that is necessary for them to perform the services. We will take measures to protect your information, such as putting in place Standard Contractual Clauses and confidentiality agreements.

1. Insurance Partners where we need to manage the services provided to you such as Product Providers and insurance underwriters, reinsurers, and loss adjuster. You can refer to their privacy statements on their website for more information about their privacy practices.
2. EU Law enforcement bodies, when required to do so by law and/or regulation, or another legal request.

Retention

M&T Financial Advisors Limited shall not keep personal data in a form that permits identification of data subjects for a longer period than is necessary.

M&T Financial Advisors Limited may store data for longer periods if the personal data will be processed solely for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes, subject to the implementation of appropriate technical and organisational measures to safeguard the rights and freedoms of the data subject.

The retention period for each category of personal data will be set out in our Retention Schedule along with the criteria used to determine this period, including any statutory obligations we have. Should you require further information we would be happy to provide.

Personal data will be disposed of securely.

For insurance brokers only; liability insurance

If you hold insurance against a liability that may be incurred by you against a third party, where for whatever reason you cannot be found or you become insolvent, or the court finds it just and equitable to so order, then your rights under the contract will be transferred to and vest in the third party even though they are not a party to the contract of insurance.  The third party has a right to recover from the insurer the amount of any loss suffered by them.  Where the third party reasonably believes that you as policyholder have incurred a liability the third party will be entitled to seek and obtain information from the insurer or from any other person, who is able to provide it including M&T Financial Advisors Limited concerning:

• the existence of the insurance contract,
• who the insurer is,
• the terms of the contract, and
• whether the insurer has informed the insured person that the insurer intends to refuse liability under the contract.

Data Subjects Rights:

M&T Financial Advisors Limited will facilitate your 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. (The erasure of such data will be dependent on our other legal obligations, and whether the data is subject of legal privilege).
• 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 make a complaint: if we refuse your request under rights of access, we will provide you with a reason as to why.

All 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.

Complaints

If you wish to make a complaint about how your personal data is being processed by M&T Financial Advisors Limited or how your complaint has been handled, you have the right to lodge a complaint with our Data Protection Officer.

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.

When you fail to provide us with information we require to fulfil our obligations to you, we may be unable to offer our services to you.

 Profiling – automatic decision making.

An automated decision is when we input your personal data into a computer programme and this programme analyses your personal data to provide us with a result.  There is no human involvement in the decision making. An example of this is  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
4. Bankruptcy check
5. PEP check

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 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.

e.g., ISME ratings, recruitment psychoanalytic, insurance underwriting

 An example:

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
4. Bankruptcy check
5. PEP check

Special Categories of personal data

Special categories of data are sensitive in relation to your fundamental rights and freedoms and therefore require specific protection when processed as these could create significant risks to the rights and freedoms of individuals.

If we collect any special categories of personal data, such as health data, we will either obtain your explicit consent or we will adhere to the Data Protection Act 2018. This Act allows us to process special categories of personal data for insurance and pension purposes. We will ensure we have suitable and specific measures in place to safeguard the rights and freedoms of you and the processing of your data. These measures relate to the below:

• a policy of insurance or life assurance,
• a policy of health insurance or health related insurance
• an occupational pension, a retirement annuity contract or any other pension arrangement
• the mortgaging of a property

Contact Us

Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on info@mandtfinancialadvisors.ie

Privacy notice/ statement changes

When we update this Privacy Notice/Statement, we will post a revised version online. Changes will be effective from the point at which they are posted. We would encourage you to review our Privacy Notice so that you are aware of updates.

This privacy policy was last reviewed in July 2021.

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