Privacy Statement (EU)

Mulcahy Insurances Ltd are 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 the information practices of Mulcahy Insurance Ltd in relation to the information we collect about you.

For the purposes of the GDPR the data controller is;
Mulcahy Insurances Ltd, Insurance House, Main Street, Macroom, Co Cork P12 YA34. Tel : 026 41424. When we refer to ‘we’ it is Mulcahy Insurances Ltd

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?

Mulcahy Insurances Ltd, Insurance House, Main Street, Macroom, Co Cork P12YA34. Tel: 026 41424

Our Data Protection Officer / GDPR Owner and data protection representatives can be contacted directly here:

Donal Mulcahy
Donal@mulcahyins.ie
Phone number: 026 41424
PURPOSE FOR PROCESSING YOUR DATA

The primary reason(s) we have for collecting any personal Data is to assess Insurance Risk and to pass these details to suitable Underwriters in order to establish a policy of Insurance on your behalf.

WHY WE ARE PROCESSING YOUR DATA? OUR LEGAL BASIS.

In order for us to provide you with a suitable Insurance Broking Service Mulcahy Insurance Ltd need to collect personal data. Our reason (lawful reason) for processing you data under the GDPR is:

Contractual – Mulcahy Insurances Ltd, needs to process your data as this is necessary in relation to a contract of insurance to which the individual has entered into or because the individual has asked for something to be done so they can enter into a contract. In any event, Mulcahy Insurances 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 Mulcahy Insurance Ltd, use the personal data it collects about me?
Mulcahy Insurances 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 that we will obtain your explicit consent should this information be required in the arrangement of any Insurance Policy on your behalf.

Who are we sharing your data with?
Information may be shared with suitable Underwriters in seeking Insurance quotations on your behalf, or in presenting to Underwriters at renewal of your Insurance Policy(ies). We will not share any data with any entity based outside the EU.

All of the Insurance undertakings with whom we arrange Insurance have in place, specific Data Control procedures.

We may pass your personal data on to third-party service providers contracted to Mulcahy Insurances 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 Mulcahy Insurance 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 (Insurance Companies) that we may pass your personal data to include, but not limited to:

AIG, Allianz, ARB, Aviva, AXA, Benchmark, Corporate Underwriting, Covercentre, DAS, Dolmen, DUAL, Hiscox, Kennco, Liberty, NMU, RSA, Travelers, Wrightway, XL Catlin, Zurich,Footprint,patrona,xsdirect,citi net, o driscoll o neill, Frost insurances, leisure insure, Broker options,Brady underwriting,optis, percesion , prestiege, Thomend,Travlers, irish life,new Ireland, friends first, debbotrs exchange,BCP, kennco, kidd insurances, close brothers finance, premium credit,Aiken,Blue,Mis

This privacy statement was last updated on 18th April 2023 and applies to citizens and legal permanent residents of the European Economic Area and Switzerland.

In this privacy statement, we explain what we do with the data we obtain about you via https://www.mulcahyins.ie. We recommend you carefully read this statement. In our processing we comply with the requirements of privacy legislation. That means, among other things, that:

  • we clearly state the purposes for which we process personal data. We do this by means of this privacy statement;
  • we aim to limit our collection of personal data to only the personal data required for legitimate purposes;
  • we first request your explicit consent to process your personal data in cases requiring your consent;
  • we take appropriate security measures to protect your personal data and also require this from parties that process personal data on our behalf;
  • we respect your right to access your personal data or have it corrected or deleted, at your request.

If you have any questions, or want to know exactly what data we keep of you, please contact us.

1. Purpose, data and retention period

We may collect or receive personal information for a number of purposes connected with our business operations which may include the following: (click to expand)

2. Sharing with other parties

We only share this data with processors and with other third parties for which consent must be obtained.

Processors

Name: Google
Country: USA
Purpose: Website Analytics

3. Cookies

Our website uses cookies. For more information about cookies, please refer to our Cookie Policy

4. Disclosure practices

We disclose personal information if we are required by law or by a court order, in response to a law enforcement agency, to the extent permitted under other provisions of law, to provide information, or for an investigation on a matter related to public safety.

If our website or organisation is taken over, sold, or involved in a merger or acquisition, your details may be disclosed to our advisers and any prospective purchasers and will be passed on to the new owners.

We have concluded a data Processing Agreement with Google.

Google may not use the data for any other Google services.

The inclusion of full IP addresses is blocked by us.

5. Security

We are committed to the security of personal data. We take appropriate security measures to limit abuse of and unauthorised access to personal data. This ensures that only the necessary persons have access to your data, that access to the data is protected, and that our security measures are regularly reviewed.

6. Third-party websites

This privacy statement does not apply to third-party websites connected by links on our website. We cannot guarantee that these third parties handle your personal data in a reliable or secure manner. We recommend you read the privacy statements of these websites prior to making use of these websites.

7. Amendments to this privacy statement

We reserve the right to make amendments to this privacy statement. It is recommended that you consult this privacy statement regularly in order to be aware of any changes. In addition, we will actively inform you wherever possible.

8. Accessing and modifying your data

If you have any questions or want to know which personal data we have about you, please contact us. You can contact us by using the information below. You have the following rights:

  • You have the right to know why your personal data is needed, what will happen to it, and how long it will be retained for.
  • Right of access: You have the right to access your personal data that is known to us.
  • Right to rectification: you have the right to supplement, correct, have deleted or blocked your personal data whenever you wish.
  • If you give us your consent to process your data, you have the right to revoke that consent and to have your personal data deleted.
  • Right to transfer your data: you have the right to request all your personal data from the controller and transfer it in its entirety to another controller.
  • Right to object: you may object to the processing of your data. We comply with this, unless there are justified grounds for processing.

Please make sure to always clearly state who you are, so that we can be certain that we do not modify or delete any data of the wrong person.

9. Submitting a complaint

If you are not satisfied with the way in which we handle (a complaint about) the processing of your personal data, you have the right to submit a complaint to the Data Protection Authority.

10. Contact details

Mulcahy Insurances Ltd.
Insurance House, Main street, Macroom, Co. Cork.
Ireland
Website: https://www.mulcahyins.ie
Email: info@mulcahyins.ie
Phone number: +353 (0)26 41424

Annex

Complianz | The Privacy Suite for WordPress

This website uses the Privacy Suite for WordPress from Complianz to collect records of consent. For this functionality your IP address is anonymised and stored in our database. For more information, see the Complianz Privacy Statement.

Akismet

We collect information about visitors who comment on Sites that use our Akismet anti-spam service and typically includes the commenter’s IP address, user agent, referrer, and Site URL (along with other information directly provided by the commenter such as their name, username, email address, and the comment itself).

On Occasion, we may pass your personal Data to our Lloyd’s Insurance Partners such as :

The Underwriting Exchange, Citynet, THB, AON, Robertson Low & Arthur J Gallagher.

If we transfer personal data to a third party or outside the EU 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
Mulcahy Insurances Ltd facilitate you, our clients, rights in line with our data protection policy and the subject access request procedure. This is available on request.

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.
Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records.
Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
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.
Right to judicial review: in the event that Organisation Name refuses your request under rights of access, we will provide you with a reason as to why.
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. Mulcahy Insurance Ltd will process personal data in accordance with our retention schedule. This retention schedule has been governed by our regulatory body (Central Bank) and our internal governance.

Complaints
In the event that you wish to make a complaint about how your personal data is being processed by 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 (e.g. Home Insurance policy or Motor Insurance policy) and you cannot provide this data the consequences of this could mean the contract cannot be completed or details are incorrect.

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.

Mulcahy Insurances Ltd is regulated by the Central Bank of Ireland.