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 25th May 2018 under the General Data Protection Regulation (GDPR).
If you would like to contact us with any queries or comments in relation to your personal data, please send an e-mail to firstname.lastname@example.org 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.
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
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.
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.
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.
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 email@example.com with a request to “Unsubscribe”.
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.
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.
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 firstname.lastname@example.org.
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.