Introduction
Gowran Insurance Consultants Ltd 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 our information practices in relation to the information we collect about you.
For the purposes of the GDPR the data controller is:
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?
Our GDPR Owner and data protection representatives can be contacted directly here:
Why we are processing your data? Our legal basis.
In order for us to provide you with life insurance, we need to collect personal data for life insurance underwriting. Our reason (lawful reason) for processing your data under the GDPR is:
In any event, Â Gowran Insurance Consultants Ltd 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 Gowran Insurance Consultants use the personal data it collects about me?
Gowran Insurance Consultants Ltd 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.
Special Categories of personal data
If 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
Who are we sharing your data with?
We may pass your personal data on to third-party service providers contracted to  Gowran Insurance Consultants Ltd 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 fulfill 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  Gowran Insurance Consultants Ltd 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 may pass your personal data to are:
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, 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:
Gowran Insurance Consultants Ltd facilitate you, our clients, rights in line with our data protection policy and the subject access request procedure. This is available on request.
All of the above requests will be forwarded on should there be a third party involved as we have indicated in the processing of your personal data.
Additional information we are providing you with to ensure we are transparent and fair with our processing
Retention of your personal data
Data will not be held for longer than is necessary for the purpose(s) for which they were obtained. Gowran Insurance Consultants Ltd will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body (xxx) and our internal governance.
Complaints
In the event that you wish to make a complaint about how your personal data is being processed by Gowran Insurance Consultants Ltd or how your complaint has been handled, you have the right to lodge a complaint directly with the supervisory authority and Organisation Name’s data protection representatives Data Protection Officer / GDPR Owner
Failure to provide further information
If we are collecting your data for a contract x and you cannot provide this data the consequences of this could mean the contract cannot be completed or details are incorrect.
Profiling
We use profiling in our business. The main categories are
1. 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.
2. 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.
3. Establishing affordability and providing quotations for financial services products.
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When you comment on our blog, cookies are stored on your computer. This is purely a convenience, so that you won’t need to re-type all your information again when you want to leave another comment. These cookies are set to expire a little under one year from the time they’re set.
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We use Google Analytics to provide us with statistical data about our website, visitors, etc. It collects information anonymously and reports trends without identifying individual users. You can find out more about Google Analytics use of cookies on the Policy page of their website.
Behavioral Remarketing
Gowran Insurance Consultants Ltd uses remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimize and serve ads based on your past visits to our Service.
How to reject and delete cookies
Most web browsers automatically accept cookies. However, you can reject or block the use of cookies and delete all cookies currently stored on your device. See your browser’s Help content for further information.
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.
Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on 05793 20836 or email nick@lion.ie
Gowran Insurance Consultants Ltd may change this privacy policy from time to time. When such a change is made, we will post a revised version online. 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.
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As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!
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