Data Privacy Notice
Priority Insurance & Finance Solutions is committed to respecting and protecting your privacy. We wish to be transparent about how we process your data, demonstrating compliance with the General Data Protection Regulation (GDPR) and ensuring you understand your rights as our client.
Our principal business is to provide advice and arrange transactions for clients related to Life, Pensions, Investments and Deposits, Mortgages, and General Insurance products. We provide our services by selecting products from companies we hold agencies with and recommending those best suited to your needs. To provide this service, we require personal information from you.
Any questions or concerns regarding your data privacy can be addressed to us directly via email: info@pifs.ie.
Scope of this Privacy Notice
This notice applies to current, past, or prospective customers and third parties whose personal data you share with us. Please provide a copy of this notice to third parties whose personal data you share.
Data Controller
Priority Insurance & Finance Solutions is the controller of your Personal Data. We process your data to advise on financial matters, passing it to relevant companies securely through application forms, post, email, or online portals.
Data We Collect
To provide recommendations and services, we collect personal data including:
- Individual Details: Name, address, contact details (email, phone), gender, marital status, date/place of birth, nationality, employer, job title, employment history, and family details.
- Financial Details: Information on debts, loans, assets.
- Identification Details: Government-issued identification numbers (PPS, passport, tax IDs).
- Claims Information: Details regarding claims you notify or seek help on.
- Policy Information: Quotes and policy details you obtain from us.
Special Categories of Personal Data
Health information is specially protected. We hold this data only as provided by you on application forms. Insurers control and process health data for underwriting purposes.
Data Sources
We collect your personal data from:
- You
- Your employer or representative
- Life companies/agencies
- Other insurance contracts or quotes you requested
- Authorized contact with other companies
- Our website (through your input/request)
Providing personal data is voluntary but necessary to deliver our services.
Purpose of Data Processing
Your data is processed to:
- Provide financial product recommendations
- Disclose data to policy stakeholders and relevant parties
- Comply with legal and regulatory requirements (e.g., Anti-Money Laundering regulations)
- Understand website interactions
- Evaluate marketing effectiveness
Legal Basis for Data Processing
We process your Personal Data on these lawful grounds:
- Contractual necessity (providing requested recommendations)
- Legal obligations
- Legitimate interests
- Public interest tasks (assisting regulatory authority investigations)
- Your consent
Data Sharing
To fulfill our services and comply with legal obligations, we may share data with:
- Pension trustees, beneficiaries, relatives, guardians (as legally permitted)
- Insurance and assurance companies, stockbrokers, investment companies
- Employers (past, present, prospective)
- Professional advisors (legal, financial, investment, medical)
- Third-party providers (IT, cloud, payment services)
- CRM/database providers (encrypted data)
- Lenders
- Business referrers
- Regulators and law enforcement (e.g., Central Bank of Ireland, Revenue Commissioners)
Privacy Notice Amendments (Consumer Insurance Contracts Act 2019)
If you hold third-party liability insurance and cannot be located, become insolvent, or as ordered by a court, your rights under the contract may transfer to the third party, enabling them to claim losses directly from insurers. Third parties can seek policy information from insurers or other sources.
Data Retention
We retain your data as required by law, generally for six years after the end of our relationship with you.
Your Rights
Under certain conditions, you have rights including:
- Accessing your data
- Rectifying/erasing inaccurate or incomplete data
- Restricting data processing
- Objecting to data processing (e.g., direct marketing)
- Data portability (receiving/transferring data in a structured format)
Automated Decision-Making/Profiling
If automated decisions affect you, we will notify you. You have the right to request human review of automated decisions and contest them.
Complaints
If dissatisfied with our handling of your Personal Data, contact us directly. Alternatively, you can complain to:
Office of the Data Protection Commission
Canal House, Station Road, Portarlington, Co. Laois, R32 AP23
Tel: +353 (0)761 104 800
Fax: +353 57 868 4757
Email: info@dataprotection.ie
Website: www.dataprotection.ie