Privacy Policy

This website is operated by Finance Company of Ireland Limited. We can be contacted by phone on +353 1 832 7250, or by email at info@mortgages.ie.

Introduction

Finance Company of Ireland Limited 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 General Data Protection Regulations (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 Finance Company of Ireland Limited in relation to the data we collect about you.

For the purposes of the GDPR the data controller is:

Finance Company of Ireland Limited, 97 Malahide Road, Clontarf, Dublin 3.
Phone number: +353 1 832 7250

When we refer to "we", it is Finance Company of Ireland Limited.

Please read this statement carefully, as this sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.

Who are we?

Finance Company of Ireland Limited (trading as Mortgage Company of Ireland) is regulated by the Central Bank of Ireland as an insurance intermediary, as an investment intermediary, as a mortgage intermediary, and as a mortgage credit intermediary.

You may contact the Central Bank on 1890 777 777 or alternatively visit their website centralbank.ie to verify our credentials.

Our business is subject to the Central Bank's Consumer Protection Code, Minimum Competency Code, and Fitness and Probity Standards, which offer protection to consumers.

The data we collect

Using our websites

When you visit our websites, a range of information is automatically collected, including:

• IP address
• Web browser version
• Pages visited and the times of those visits
• Operating system
• Device or device type
• Search terms used
• The previous website address from which you reached us, including any search terms used

The information is used for statistical and reporting purposes, and to improve the website.

Online quotations

We collect data from you in various calculators on our website. We use this data to perform calculations in order to compare quotations for life insurance-related enquiries, and to compare interest rates, repayment information, and other lender features, in the case of mortgages.

In some calculators we use the information provided to calculate estimates of facilities available, based on our knowledge of assessment criteria and market rules (example: how much you can borrow, or how much you will save in switching a mortgage).

We may request that you provide us with contact details, in order to send you the results of our calculations, and to contact you by phone, SMS or email to advise you about the services we provide, to answer any questions you may have, and to discuss product options with you.

If we are unable to contact you within a reasonable period of time, and unless you have requested that we retain your details, we will permanently delete all the information you have provided when seeking a quotation.

Life insurance, mortgage protection insurance and mortgage applications

If you are proceeding to arrange a life insurance or mortgage product through us, we need to collect additional information in order to provide this service to you:

• Contact & identifying information such as title, name, address, email, telephone number, gender, marital status, date of birth, PPS number, nationality, country of residence, occupation, employer details and photographic identification.
• Financial information such as bank details, credit/debit card details (where needed), and income details (where applicable).
• Medical condition and health status, including personal habits (e.g. smoking and alcohol consumption), prescription information, and medical history.
• Underwriting information, for example your job, interests, travel, health, family history and other relevant risk factors.
• Other sensitive information (e.g. PEP status), only processed with your explicit consent or where lawfully permitted.
• Online information, for example cookies and IP address.
• Family & beneficiary information, for example marital status, dependants, next of kin or nominated beneficiaries.
• Contractual information, for example details about your products and benefits.

How we obtain information

We may obtain your information from a variety of sources, including information you give to us, or that we gather or learn from how you use our services or operate your accounts, the transactions you make and the technology you use (for example location data, an IP address or telephone number). We may also gather information from public sources, such as the press and online search engines.

Who are we sharing your data with?

We will only use and share your information where it is necessary for us to carry out our lawful business activities. In order to provide a seamless service, we may share your data (where appropriate):

• with life insurance companies and banks and other companies in the group;
• without your consent when we believe it is appropriate to comply with our legal obligations;
• where required for your product or service;
• on the sale, transfer or reorganisation of our business;
• with business partners, suppliers and subcontractors with whom we work (e.g. auditors, cloud service providers, outsourced service providers).

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.

Your rights as a data subject

At any point while we are in possession of or processing your personal data, you have the following rights:

• Right of access — request a copy of the information we hold about you.
• Right of rectification — correct data that is inaccurate or incomplete.
• Right to be forgotten — ask for your data to be erased in certain circumstances.
• Right to restriction of processing — restrict processing where certain conditions apply.
• Right of portability — have your data transferred to another organisation.
• Right to object — object to certain types of processing such as direct marketing.
• Right to object to automated processing, including profiling.
• Right to judicial review — if we refuse a request under rights of access, we will explain why.

Retention of your personal data

We normally keep customer records for up to seven years after your relationship with us ends, unless we have an obligation to keep it longer (for example due to a court order or investigation by law enforcement agencies or regulators). Data will not be held for longer than is necessary for the purpose(s) for which it was obtained.

Complaints

If you wish to make a complaint about how your personal data is being processed, you have the right to lodge a complaint directly with us in writing, outlining the nature of your complaint. We will acknowledge it within 14 days and aim to provide a full response within one month. If you remain dissatisfied, you are entitled to refer your complaint to the Financial Services and Pensions Ombudsman.

Profiling — automatic decision making

Our financial and mortgage advisors use automatic decision making/profiling methods, in the following categories:

• Risk profiling (relating to pensions and investments)
• Profiling for marketing purposes
• Establishing affordability and providing quotations for financial services and mortgage products

Contact us

Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on +353 1 832 7250, or email info@mortgages.ie.

Changes to this policy

We may change this privacy policy from time to time. When such a change is made, we will post a revised version online. 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.