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

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.

Site visitation tracking
This site uses Google Analytics to track user interaction. We use this data to determine the number of people using our site, to better understand how they find and use our web pages and to see their journey through the website.

Although Google Analytics records data such as your geographical location, device, internet browser and operating system, none of this information personally identifies you to us. Google Analytics also records your computer’s IP address which could be used to personally identify you but Google does not grant us access to this. WIND and SUN consider Google to be a third party data processor and their privacy policy can be viewed here. Google is based in the USA and are EU-U.S Privacy Shield compliant.

Google Analytics makes use of cookies, details of which can be found on Google’s developer guides.

Disabling cookies on your internet browser will stop Google Analytics from tracking any part of your visit to pages within this website.

Cookies used by Google Analytics include: utma / utmb / utmc / utmt / utmz / ga / gat / gid

Contact forms and email links
Should you choose to contact us using the contact forms on the WIND and SUN, none of the data that you supply will be stored by this website or passed to third parties. Instead, the data will be collated into an email and sent to us over the Simple Mail Transfer Protocol (SMTP).

WordPress
This site uses WordPress as the content management system to run the site. WordPress sets cookies which are known as “Functional Cookies”, meaning they are essential to the running of the site but do not collect any personal information. Cookies used by WordPress include;

wordpress_logged_in* Checks whether or not the current visitor is a logged in WordPress.com user.
wp-settings-{user_id} Persists a user’s wp-admin configuration.
wp_sharing_{id} Tracks whether or not a user has already performed an action.

This Websites Server
This website is hosted by Siteground within a UK data centre located in Chessington, South West London, and is run by Digital Realty.

All traffic (transferral of files) between this website and your browser is encrypted and delivered over HTTPS.

Please keep in mind that regardless of how many measures that are taken the transmission of information over the Internet is not completely secure or error-free in every case. In particular, emails or other communications to, or from us and information submitted to, or accessed via this Website may not be 100% secure and you should use discretion in deciding what information you send to us via these means. Emails or other communications to or from us may undergo email filtering and virus scanning, including by third-party contractors. We do not warrant that such filters and scans will be effective in removing viruses or other potentially harmful code. We are happy to discuss any concerns you may have regarding your personal information. We will help in any way we can so you feel comfortable using our services.

Cookies
Cookies are small text files that are stored in the memory of a computer linked to the web browser. These files are used for many things including helping a website provider understand the usage of their website. Cookies also may be used for authentication and fraud prevention. We use cookies on our website for these purposes with the sole aim of continually improving our goods and services and protecting our customers. The settings in the web browser can be modified to change which cookies you allow to accept. Declining cookies can limit the use of the website.

Types of Cookies

Strictly Necessary: These cookies are essential for websites on our services to perform their basic functions.
Functionality: These cookies are used to allow the general function of the website and end-user experience.
Security: We use these cookies to help identify and prevent potential security risks.
Analytics and Performance: Performance cookies collect information on how users interact with our websites, including what pages are visited most, as well as other analytical data. We use these details to improve how our websites function and to understand how users interact with them.
Third Party / Embedded Content: We make use of different third-party applications and services to enhance the experience of website visitors. These include social media platforms such as Facebook and Twitter (through the use of sharing buttons), or embedded content from Youtube and Vimeo. As a result, cookies may be set by these third parties and used by them to track your online activity. We have no direct control over the information that is collected by these cookies.

Embedded content from other websites
Articles on this site may include embedded content (such as YouTube videos). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Website Links
Our website may contain links to other sites. This Privacy Policy applies to our website and not any linked sites which are not operated or controlled by us. We encourage you to read the privacy policies of each website that collects your personal information.

Termination or Suspension of Website
We have the right to terminate or suspend the operation of the Website (including in part) for any reason without notice and without liability. We may (without limitation) suspend the Website to conduct maintenance or implement updates.

Changes To Our Privacy Policy
This privacy policy may change from time to time inline with legislation or industry developments. We will not explicitly inform our clients or website users of these changes.

Contact Us

Your privacy is important to us. If you have any comments or questions regarding this Statement, please contact us;

Mr. Donal Mulcahy, Mulcahy Insurances Ltd, Insurance House, Main Street, Macroom, Co Cork
Tel: 026 41424
Email: donal@mulcahyins.ie