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Privacy Policy

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Effective Date: 05/08/2025
Last Updated: 05/08/2025

At Malahide Insurance Shop, we are committed to safeguarding your personal data and upholding your privacy rights in compliance with the General Data Protection Regulation (EU) 2016/679 (“GDPR”), the Data Protection Acts 1988–2018, and other applicable Irish and European privacy legislation.

This Privacy Policy outlines how we collect, use, share, and protect your personal information when you use our services, visit our website (www.malahideinsuranceshop.ie), communicate with us, or engage with our business in any form.

1. Who We Are

Malahide Insurance Shop is a registered and regulated Irish insurance and financial brokerage. We provide advice and services in the areas of life assurance, mortgage protection, income protection, pensions, savings, investments, serious illness cover, and inheritance planning.

Business Name: Malahide Insurance Shop
Business Address: Stone Hill, The Hill, Malahide, Co Dublin
Telephone: 087 684 5440
Email: info@malahideinsuranceshop.ie
Regulator: Central Bank of Ireland (Registration No. C30360)
Membership: Brokers Ireland
Website: https://malahideinsuranceshop.ie

2. Information We Collect

We collect personal and financial information from you when you interact with us via our website, phone, email, or in person. We collect the following categories of data:

A) Personal Identifying Information

  • Full name
  • Date of birth
  • Marital status
  • Gender
  • PPS number (if required)

B) Contact Information

  • Home address
  • Email address
  • Phone number(s)

C) Financial Information

  • Employment status and employer details
  • Income and expenses
  • Assets and liabilities
  • Bank account details
  • Tax information

D) Health & Medical Information

  • Required for life, serious illness, or income protection policies
  • May include family medical history, GP contact, and specific health declarations

E) Technical & Website Usage Data

  • IP address
  • Browser type and version
  • Device type
  • Referral URLs
  • Cookie identifiers
  • Website browsing behavior

3. How We Collect Your Information

We gather personal data using the following methods:

  • Directly from You: When you request a quote, fill out a form, email or call us, or sign up for a policy.
  • Third Parties: With your consent, we may receive information from:
    • Insurance product providers
    • Medical professionals (e.g., GP reports)
    • Your employer (if applicable)
    • Public databases or credit reference agencies (for financial assessments)
  • Website Technologies: Through cookies and analytics tools (see Section 10 below).

4. Lawful Basis for Processing

We only process your personal data when we have a lawful basis to do so:

  • Performance of a Contract: To provide insurance and financial services.
  • Legal Obligation: To comply with regulatory and statutory requirements (e.g., Central Bank, Revenue).
  • Consent: For certain optional data or marketing communications.
  • Legitimate Interests: For improving services, fraud prevention, and record keeping.

5. How We Use Your Information

We use your information to:

  • Provide quotes and recommendations for insurance or investment products
  • Process policy applications and manage renewals
  • Assess eligibility and risk
  • Make claims on your behalf
  • Administer pension, savings, or investment services
  • Handle customer service and support requests
  • Maintain regulatory compliance (e.g., AML, KYC obligations)
  • Maintain internal records and improve our business operations
  • Send marketing communications (only with your explicit consent)

6. Sharing Your Information

We only share your information with trusted third parties when necessary:

A) Product Providers

We share data with life and investment providers (e.g., Zurich, Royal London, Aviva, New Ireland, Irish Life) to:

  • Obtain quotes
  • Submit applications
  • Manage your policy

B) Professional Advisors

  • Accountants
  • Legal representatives (where appropriate)

C) Regulatory Authorities

  • Central Bank of Ireland
  • Revenue Commissioners
  • Data Protection Commission
  • Other regulators as required by law

D) IT & Hosting Providers

  • Secure third-party systems for document management, communications, or CRM

E) Medical Professionals

  • For underwriting purposes (with your consent)

We ensure all third parties operate under strict confidentiality and data protection agreements.

7. International Transfers

Where personal data is transferred outside the European Economic Area (EEA), we ensure that appropriate safeguards are in place, such as:

  • European Commission adequacy decisions
  • Standard Contractual Clauses (SCCs)
  • Binding corporate rules
  • Data Processing Agreements

8. Data Retention

We retain your personal data only for as long as necessary to:

  • Fulfil the purposes for which it was collected
  • Comply with legal and regulatory obligations
  • Resolve disputes and enforce agreements

Typically, we retain client records for up to 7 years post-relationship closure, unless a longer period is required by law or regulation.

9. Your Data Protection Rights

Under GDPR, you have the following rights:

  • Right to Access – Request a copy of your personal data.
  • Right to Rectification – Request correction of inaccurate or incomplete data.
  • Right to Erasure (“Right to be Forgotten”) – Request deletion of your data (in certain cases).
  • Right to Restrict Processing – Limit how your data is used.
  • Right to Data Portability – Request transfer of your data to another provider.
  • Right to Object – Object to processing based on legitimate interests or marketing.
  • Right to Withdraw Consent – At any time for activities based on consent.
  • Right to Lodge a Complaint – With the Data Protection Commission:
    https://www.dataprotection.ie

To exercise your rights, please contact us at:
info@malahideinsuranceshop.ie

10. Cookies and Website Tracking

We use cookies and similar technologies to improve your experience, analyze website usage, and ensure performance. Cookies may collect:

  • Session and preference data
  • Device/browser type
  • Analytics data via Google Analytics

You can manage cookie preferences in your browser settings.

11. Marketing Communications

We will only send you email or SMS marketing if:

  • You opt in explicitly via our website or other forms
  • You are an existing client (with a soft opt-in right under ePrivacy Directive)

You can opt out at any time using the “unsubscribe” link in emails or by contacting us.

12. Data Security

We take appropriate security measures to protect your personal data:

  • SSL encryption on our website
  • Password-protected systems and encrypted storage
  • Staff training and internal confidentiality protocols
  • Secure file-sharing platforms for sensitive information

In case of a data breach, we follow legal obligations to notify affected individuals and authorities.

13. Third-Party Links

Our website may contain links to third-party sites or provider portals. These sites are governed by their own privacy policies, and we are not responsible for their content or privacy practices.

14. Changes to This Policy

We may update this Privacy Policy periodically to reflect legal, technical, or operational changes. When we do, we will revise the “Last Updated” date and notify you via website or email where appropriate.

15. Contact Us

For any queries, requests, or complaints regarding this Privacy Policy or your personal data, contact us at:

Malahide Insurance Shop
info@malahideinsuranceshop.ie
087 684 5440
Stone Hill, The Hill, Malahide, Co Dublin