TERMS AND CONDITIONS OF USE

1. INTRODUCTION

1.1 This website, www.quintaswealthmanagement.ie, (the “Site”) is provided by Quintas Wealth Management, Heron House, Blackpool Park, Blackpool, Cork (“QWM”, “our” , “we” or “us”).

1.2 The use of the Site is governed by these terms and conditions (the “Terms”). Please read the Terms carefully before using this Site as they contain important information about your rights and obligations. If you have any questions about these Terms please email us at info@qwm.ie.

1.3 By accessing and viewing the Site you agree that you have read, understood and become bound by the Terms. If you do not wish to be bound by the Terms you may not use the Site.

2. DISCLAIMER

2.1 While every effort has been made to ensure the accuracy of all material and information on this Site, QWM makes no representation or warranty, express or implied, concerning material, content and information on this Site, which are provided “as is”. QWM excludes all express or implied terms, conditions, warranties, representations or endorsements whatsoever in relation to the viewing, use or performance of this Site or any information provided through this Site.

2.2 This Site including all its contents has been prepared to the best of our knowledge and is subject to change. This Site is intended as a general guide, and no liability can be taken for any omissions or errors.

2.3 QWM excludes all liability for any indirect or consequential loss, or for any direct or indirect loss of profit, data, opportunity or reputation, or any other incidental, punitive, special, exemplary loss or damage howsoever arising from the use of (or failure to use) or reliance on the Site.

2.4 This limit does not apply to any liability we may have for death, personal injury or resulting from any negligent or fraudulent misrepresentation.

2.5 The disclaimer in this section 2 shall not operate to exclude any term, warranty or liability that may not be excluded under Irish law.

3. INTELLECTUAL PROPERTY AND MATERIALS

3.1 You agree and acknowledge that all intellectual property including but not limited to, copyright, moral rights, patents, trademarks, trade name, service marks, designs (software or otherwise), data base rights, whether registered or unregistered generally present and future in and relating to the Site (the “Intellectual Property”) belong and shall belong exclusively to QWM.

3.2 You may not reproduce, distribute, modify, sell, display, exploit or otherwise use any of the Intellectual Property. All trademarks names or logos of third parties are the property of their respective owners.

3.3 The design of the Site, text, graphics, content and software thereof are copyright of QWM.

4. THIRD PARTY LINKS

4.1 The Site may contain links to other websites. QWM makes no representation or warranty whatsoever about any other website which you may access through the Site.

4.2 QWM is not responsible for the availability or content of any third party site and shall not be liable for any loss, or damage arising out of or connection with the use (or non-use) or reliance on such third party sites.

5. DATA PROTECTION AND PRIVACY

QWM respects your privacy. We have prepared a privacy policy which explains our data processing practices and the way in which your personal data is used. A copy of our privacy policy can be obtained here. If you have any requests concerning your personal information or any queries with regard to our processing please contact us at info@qwm.ie. By accessing and viewing the Site you agree that we may process your personal data in accordance with our privacy policy.

6. GENERAL

6.1 These Terms and any non-contractual obligations arising out of or in connection with your use of the Site shall be governed by, and construed in accordance with, the laws of Ireland and the Courts of Ireland shall have jurisdiction to settle all disputes that arise out of or in connection with the Terms and your use of the Site.

6.2 We may, at our discretion and without notice, amend the Terms from time to time, the most recent of which will be located on the Site.

6.3 We may, at our discretion and without notice suspend, terminate, modify or vary content available on the Site and restrict access to, and availability of, the Site.

6.4 If the whole or any part of a provision of this Agreement is or becomes illegal, invalid or unenforceable, then the provision so found shall be deemed severable and deleted from them.

6.5 We may, at our discretion assign or transfer any right, title or interest in this Site to any successors in title to our business or to a third party.

6.6 We shall not be held responsible for any delay or failure to comply with its obligations under these Terms if the delay or failure arises from any cause which is beyond our reasonable control.

6.7 We will try to make our website available but cannot guarantee that our Site will operate continuously or without interruptions or will be error free and can accept no liability for its unavailability. You must not attempt to interfere with the proper working of the Site and, in particular, you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, website router or any other internet connected device.

QUINTAS WEALTH MANAGEMENT PRIVACY STATEMENT

Quintas Wealth Management (“QWM”) fully respects your right to privacy. QWM is committed to ensuring that your privacy is protected and we wish to be transparent on how we process your data. This statement (together with our Terms and Conditions) sets out the basis on which any personal data we collect from and about you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. This statement is being provided to you in line with our obligations from 25^th May 2018 under the General Data Protection Regulation (GDPR).

Contact details:

If you would like to contact us with any queries or comments in relation to your personal data, please send an e-mail to info@qwm.ie or send a letter to Quintas Wealth Management, Heron House, Blackpool Park, Blackpool, Cork or give us a call on 021 464 1480 and ask to speak to our Data Protection Representative.

Who are we?

QWM was established in 2005. Primarily focusing on Life and Pensions business since its incorporation, QWM has steadily developed its investment expertise and offering and the business is now known for its client centric approach to wealth management and pensions. QWM is a Section 10 Investment Business Firm and it is regulated by the Central Bank of Ireland. QWM is authorised to advise in relation to a wide range of products including Life Cover & Serious Illness Cover, Business Protection, Income Protection, Mortgage Protection, Investments, Pensions and Savings.

Data we collect and process

We will collect and process the following data about you:

Information you give us

This is information about you that you give us by corresponding with us by phone, e-mail or otherwise. It includes the information you supply us with when you engage us to provide financial advice. The information you give us may include, but is not limited to, your name, address, e-mail address, phone number, your demographic information, your financial information, financial and payment data such as bank account numbers and transaction information, bills, photo ID such as a passport or driving licence or other identification documents, medical records, etc.

Information we collect about you

Depending on the circumstances, we might also obtain personal data about you from other sources such as public registers, government and regulatory authorities, financial and insurance advisors, service providers, etc.

You are not obliged to provide us with your personal information. However, if you do not, we might not be able to carry out the services you have requested of us.

Before using this site, you should carefully read our Cookie Policy as set out below.

How we use your data

We gather and use your information to:

• allow us to provide you with the financial services you request from us and fulfil our contractual obligations to you;
• to perform administrative activities in connection with our services;
• comply with legal obligations we might be subject to such as anti-money laundering;
• to carry out background checks and conduct due diligence;
• to comply with legal and professional obligations and to cooperate with regulatory bodies;
• to exercise, defend or protect our legal rights or the rights of our clients or third parties;
• provide you with information about other services we offer that are similar to those you have already requested of us or enquired about;
• to notify you of changes to our services;
• to monitor and improve the quality of our services;
• to operate and expand our business activities;
• to conduct data analysis;
• to allow you to participate in events organised by us where applicable.

The way we analyse personal information for the purposes of risk assessments and to report to our clients as part of the services may involve profiling, which means we may process your personal information using software that is able to evaluate your personal aspects and predict risks or outcomes.

QWM 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 endeavor to keep your information accurate and up-to-date, and not keep it for longer than is necessary.

Collection and use of Technical Information

We may obtain information about your general Internet usage by using a cookie file which is stored on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive. They help us to improve our website and to deliver a better and more personalised service. Some of the cookies we use are essential for the website to operate. You block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon you visit the website. Information about your computer may be collected, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. You will be notified of our Cookie Policy once you visit our website.

What is a Cookie?

A cookie is a small piece of data sent from a website and placed on a user’s computer while the user is browsing a website. Cookies can be read by the website on any future visits by a user. Cookies are helpful because they allow a website to remember you on any return visit and increase the efficiency of the website. In general, cookies do not contain personal information from which you can be identified, unless you have provided such information to the website yourself.

By continuing to use the QWM website, you consent to the use of cookies.

How does QWM use Cookies?

QWM uses cookies to collect information about user’s use of the website. This may include connection speed, the time and duration of visits and your IP address. This information allows QWM to understand the use of our website. This may include the number of visitors we receive, pages most visited, and time on particular pages. This information enables us to improve our website. QWM will not attempt to personally identify visitors from their IP addresses. Cookies do not in any way compromise the security of your computer. Visitors can use most of QWM’s website with no loss of functionality if cookies are disabled from their web browser.

How to Manage or Disable Cookies?

If you would like more information about how to manage cookies, including disabling different types of cookies, please visit: http://www.aboutcookies.org.

Why we process your data

We must have a legal basis to process your personal information. In most cases the legal basis will be one of the following:

• for our legitimate interests, for example to provide services to our clients, to ensure that the services we provide are appropriate to our clients' requirements, to improve our services, manage our risks, maintain accurate transaction records, manage our business in an efficient way and to provide you with information about other services we offer;
• for the legitimate interests of our clients and other third parties, where applicable; or
• to comply with legal and regulatory obligations to which we are subject such as due diligence and reporting obligations.

Who we share your data with

We may share your personal information with third parties under the following circumstances:

• to any Quintas entity at Blackpool, Cork for the uses and purposes set out above;
• to product producers such as life companies and third – party financial service providers, intermediaries, advisers, agents, contractors and business partners for the purposes of fulfilling our contractual obligations to clients, for example to deliver our services and to arrange policies and investments for clients;
• to third party service providers such as entities providing customer service, email delivery, archiving services, third party experts, accountants, financial and tax advisors or external auditors and other services;
• if we are obliged to disclose your personal information under applicable law or regulation; and
• in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings)

We may disclose or share your data in order to comply with any legal obligation or in order to enforce or apply our Terms and Conditions.

Any third parties that we may share your data with are obliged to keep your details secure and are restricted from using your data in any way other than to provide services for QWM, or services for the collaboration in which they and QWM are engaged. QWM requires that all such agents, contractors or partners enter into contractual guarantees to observe security and privacy obligations as least as stringent as those set forth in this privacy statement.

Data security

We take our data security responsibilities seriously, employing the most appropriate physical and technical measures. Unfortunately, the transmission of information by means of the internet, including through e-mail, is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to or from us by means of e-mail and any such transmission is at your own risk.

Marketing

We may contact you by mail, email and telephone about our services and other events involving or relating to QWM which may be of interest to you. You have the right to ask us to stop processing your personal data for direct marketing purposes. If you wish to exercise this right, please send us an email to info@qwm.ie with a request to “Unsubscribe”.

Data retention

It is our aim to only hold your data for as long as is necessary. Data will be retained for as long as required under legal or regulatory obligations and to commence or defend legal claims and for as long as required for legitimate business purposes. The Consumer Protection Code requires that data be retained for at least 6 years from the date of the last transaction.

Where we store your information

We might store your information in different places. Physical files are stored in our office and in our archives. Electronic files are stored on our secure servers and potentially in the cloud. We may transfer your data to, and store it at, a destination outside of the European Economic Area. Whenever we transfer your data in such a way, we will ensure appropriate safeguards are in place. You may contact us via e-mail, letter or telephone in case you wish to find out more.

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 without undue delay;
• Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records without undue delay;
• Right to restriction of processing – where certain conditions apply to have a right to restrict the processing of your data;
• 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 – you also have the right to be subject to the legal effects of automated processing or profiling.

Where we process your data solely on the basis of your consent, you are entitled to withdraw your consent at any time. This will not affect the lawfulness of our processing before the withdrawal.

Complaints

In the event that you wish to make a complaint about how your personal data is being processed by QWM or how your complaint has been handled, you have the right to lodge a complaint directly with the Data Protection Commissioner at any time and QWM’s data protection representative.

Contact Us

Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on (021) 464 1480 or email info@qwm.ie.  

Additional Processing

If we intend to further process your personal data for a purpose other than for which the data was collected, we will provide this information prior to processing this data.

Privacy policy statement changes

We may update this privacy statement from time to time and will publish such updated version on our website, as appropriate. Changes will be effective from the point at which they are posted. It is your responsibility to review this privacy policy periodically so you’re aware of any changes. By using our services you agree to this privacy policy.

This privacy policy was last reviewed in May 2018.