Shanahan Begadon Mortgages & Financial
Providing professional financial services in Waterford since 1981.
Shanahan Begadon 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 Shanahan Begadon in relation to the information we collect about you.
For the purposes of the GDPR the data controller is:
- Shanahan Begadon
- Contact details firstname.lastname@example.org
- Phone 051-879582
- When we refer to ‘we’ it is Shanahan Begadon Mortgages & Financial Ltd
Who are we?
- Shanahan Begadon Mortgages & Financial Ltd provides advice on financial services products such as Life Insurance, Serious Illness, Income Protection, Retirement Planning, Savings and Investment Contracts.
Our Data Protection Officer / GDPR Owner and data protection representatives can be contacted directly here:
- P. J. Shanahan
Purpose for processing your dataThe main purpose for which we process your personal data is to provide you with services that you request from us. We will also process personal data for other purposes, such as marketing (where you have consented). We will only ever keep your personal data for as long as is necessary for the purpose for which we initially acquired that personal data.
We will need to share some of your personal data with some third parties, for example insurers.
Why we are processing your data? Our legal basis.In order to provide you with our services (financial planning advice and arrangement of transactions) it is necessary for us to collect and process your personal data.We are required, therefore, to inform you of the legal bases for processing your personal data. One such legal basis is that the processing is necessary for the performance of the advisory services contract (and any other contract) that we commit to delivering to you from time to time. Another legal basis is that some processing is necessary for the purposes of the legitimate interest that we have, as a firm that is authorised and regulated by the Central Bank of Ireland, in the proper administration and correct operation of our firm. There may also be circumstances where the legal basis for processing your personal data is consent (where we have sought it and it has been provided to us), in which case that consent may be withdrawn at any time.
In any event, ShanahanBegadon 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 Shanahan Begadon use the personal data it collects about me?Shanahan Begadon 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 dataIf 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 Shanahan Begadon 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 fulfil 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 our 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:
Mortgage Lenders (for the purpose of obtaining a mortgage)
Insurance providers (for the purpose of obtaining life assurance, serious illness cover or mortgage protection insurance)
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:Shanahan Begadon facilitates you, our clients, rights in line with our data protection policy and the subject access request procedure. This is available on request.
Your rights as a data subject
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
- Right to judicial review: in the event that Shanahan Begadon refuses your request under rights of access, we will provide you with a reason as to why.
Additional information we are providing you with to ensure we are transparent and fair with our processing
Retention of your personal dataData will not be held for longer than is necessary for the purpose(s) for which it was obtained. Shanahan Begadon will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body and our internal governance.
ComplaintsIn the event that you wish to make a complaint about how your personal data is being processed by Shanahan Begadon or how your complaint has been handled, you have the right to lodge a complaint with our Data Protection Officer / GDPR Owner.
You may also lodge a complaint with the Data Protection Commission in Ireland, whose details are:
Data Protection Commission
Co. Laois, R32 AP23
Phone: + 353 57 868 4800 / + 353 761 104 800
Fax: + 353 57 868 4757
Failure to provide further informationIf we are collecting your data for a certain 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 makingIf we are collecting your data for a certain contract and you cannot provide this data the consequences of this could mean the contract cannot be completed or details are incorrect.
Shanahan Begadon sometimes use profiling in our business. The main categories are
- Risk profiling.
- Profiling for marketing purposes.
- Establishing affordability and providing quotations for financial services and mortgage products
- 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.
Your privacy is important to us. If you have any comments or questions regarding this statement.
Please contact us on 051-879582 or email@example.com