U Consulting may change this privacy policy from time to time.  When such a change is made we will post a revised version online at www.uconsulting.ie.  Changes will be effective from the point at which they are posted.  It is your responsibility to review this privacy policy periodically so you are aware of any changes.  

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

Clarity Management Ltd trading as U Consulting is regulated by the Central Bank of Ireland as an Investment Intermediary under the Investment Intermediaries Act 1995 and as an insurance intermediary under the European Communities (Insurance Mediation) Regulations, 2005.

U Consulting acts as a Broker on behalf of our clients and our principal business is to provide advice and arrange transactions on behalf of clients in relation to life insurance and other forms of protection policies, pensions, savings and investments.

For the purposes of data protection legislation, U Consulting is a Data Controller and Data Processor of the personal information you provide to us when availing of our services. 

You may contact us in relation to data protection related queries:

Email: info@uconsulting.ie 

Phone: 094 9631853

You provide personal information to us when you apply for a product and service that we provide. Personal information is collected through manual forms and through our website when you contact us.

U Consulting processes information that you provide to us for the purposes of:

• Provide relevant products and services in line with our Terms of Business contract;
• Identify ways we can improve our products and services;
• Maintain and monitor products and services provided;
• Protect both our interests;
• Meet our legal and regulatory obligations; 
• Decide and recommend how our products and services might be suitable for you.

We will only use the information you provide for the above purposes. 

The categories of personal data provided by you and collected by U Consulting for this purpose are:

• Biographical data – name, address, phone number, email address, gender, family relationships (e.g. spouse, children), date of birth, PPS number.
• Payment data – If you pay by direct debit or receive payments through electronic funds transfers, we will collect the IBAN, BIC and the name of your bank/building society.
• Claims data – If you have made a claim we will process details of your medical history, details of services claimed, payments made, details of other insurance that may cover aspects of your claim.
• Interactions with us – If you interact with us we will record details of those interactions (e.g. phone calls and logs of phone calls, email correspondence and hard copy correspondence). If you make a complaint we will process details in relation to that complaint.
• Online services – When you interact with us online (by computer, tablet or smartphone), you will often provide personal data to us, which you will be aware of when using the services or for which you give consent. We also automatically collect data about your use of our services, such as the type of device you are using and its IP address, and how you interact with the services. 

In order to process any special categories of personal data provided (e.g. health, religious beliefs, racial, ethnic origin – financial information is not classified as special categories of personal data), it will be necessary that we obtain your explicit consent. 

To use your information lawfully, we rely on one of more of the following legal bases:

• Performance of a contract
• Legal obligation
• Protecting the vital interests of you or others
• Public interest
• Your consent

If you do not provide the information we need, or help us keep it up to date, we may not be able to provide you with our products and services.

Sometimes we need your consent to use your personal information. For example, we would need your consent for when and how to contact you for the following reason:

• to send you information of our products and services which may be of interest to you 

You can decide how much direct marketing you want to accept when you apply for new products and services and on our Terms of Business Acceptance Form. 

Before you give your consent, we explain to you what information we collect and what we use it for.  You can remove your consent at any time by contacting us at info@uconsulting.ie.

We hold your information while you are a customer and for a period of time after that. U Consulting will not hold your personal information for any longer than is necessary for the purpose for which it was collected (business requirements) and in accordance with any legal requirement imposed on us (statutory and regulatory obligations).

Records of all personal information are stored in a secure centralised database (including computerised and manual files). All storage facilities are located in Ireland. U Consulting take appropriate security measures against unauthorised access to, or alteration, disclosure or destruction of the data and against their accidental loss or destruction. 

When you contact us to ask about your information, we may ask you to identify yourself. This is to help protect your information.

Sometimes, U Consulting may share your personal information with a third party:

• Service providers – these can include companies that provide IT services (e.g. scanning and uploading letters from customers and hosting data when providing software services). These can also include legal advisors, accountants and consultants. Where our service providers have access to your personal data, we ensure they are subject to appropriate contracts and other safeguards.
• Regulators – in certain circumstances we are obliged to provide information to a third party to meet any applicable law, regulation or lawful request (e.g. in the investigation of complaints or a criminal offence)
• Other companies – these would include only companies with who we have a formal business arrangement and where you have provided consent to our sharing your information with them.

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.

U Consulting facilitates you, our clients, rights in line with our data protection policy and the subject access request procedure. This is available on request.

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

• Right of access – you have the right to request a copy of the information that we hold about you. You may do this by contacting us directly. 
• 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 you have a right to restrict the processing of your personal information.
• 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 have the right to object to the legal effects of automated processing or profiling.
• Right to judicial review – in the event that UConsulting refuses your request under rights of access, we will provide you with a reason as to why and you may appeal this decision. 

Where applicable, if there is a third party involved in the processing of your data, we will notify them of the above requests.

In the event that you wish to make a complaint about how your personal data is being processed, please contact us at: info@uconsulting.ie. 

If you wish to make a complaint you may do so in person, by telephone, in writing and by email.  Please be assured that all complaints received will be fully investigated.

You can also contact the Data Protection Commission in Ireland at www.dataprotection.ie.

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.

E privacy relates to U Consulting’s privacy practices in connection with the website www.uconsulting.ie   Any personal data volunteered through this website will be treated in accordance with Data Protection legislation.  This section provides information about the technical information we collect from you and how we use that information.  By using the www.uconsulting.ie website you are acknowledging the practices described in this Privacy Notice.

This web site uses ‘cookies’. ‘Cookies’ are small text files that may be stored by your browser on your computer’s hard drive.  Our cookies do not contain any personally identifying information, but, enable us to store your preference information between visits.  If you have set your browser to reject cookies, you can still use our site.   Technical details in connection with visits to this website are logged in the website log files for statistical purposes.  No information is collected that could be used by us to identify website visitors. The technical details logged may include the following items:

• The top level domain name used (e.g. ‘.ie’, ‘.com’)
• The IP address of the computer from which you access the website
• The date and time each computer accesses the website
• The previous website address from which the visitor reached us, including any search terms used
• The type and version of web browser used to access the website
• Keywords used in search engines to find our website
• The addresses of websites which refer visitors to our website

U Consulting will make no attempt to identify individual visitors, or to associate the technical details listed above with any individual.  The technical information will be used only by U Consulting and only for statistical and other administrative purposes.

We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.  Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and, are required to keep the information confidential.  We implement a variety of security measures when a user submits their information to maintain the safety of your personal information. 

The categories of personal data provided by you and collected when you visit this web site, www.uconsulting.ie and the purposes for which they are used are as follows:

• IP address – To diagnose problems or issues with servers, your IP address is not used to identify you in any manner but helps us to gather broad demographic information
• Email address – Respond to queries submitted, Notify you about important changes to this policy, terms and conditions, changes on our website, new features, or information that you may find useful – If you would rather not receive this information, you may email info@uconsulting.ie
• Name, Telephone Number – To respond to queries you may have in relation to our website or services 

We do not provide any personal information to any third party, unless required by law.

We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.  Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and, are required to keep the information confidential.  We implement a variety of security measures when a user submits their information to maintain the safety of your personal information. 

Our website includes Social Media Features, such as LinkedIN and Twitter buttons.  These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly.  Social Media Features and Widgets are either hosted by a third party or hosted directly on our site.  Your interactions with these features are governed by the privacy policy of the company providing it. 

When you sign up for our newsletter we collect your email address.  Your email is used for Newsletter distribution, to respond to queries submitted and to notify you about important changes to this policy, changes on our website, or information that you may find useful – if you would rather not receive this information please let us know by emailing info@uconsulting.ie

This website may contain links to other sites, operated by third parties, that we think may be of interest to you.  We will not share your information with these third parties. U Consulting is not responsible for the content or privacy standards of other websites, actions of those parties, or any products or services they may offer.  We encourage you to be aware of this when you leave our site and recommend that you review the privacy statement of any website accessed through this site as these websites may be subject to different privacy practices.  This privacy statement relates only to the privacy practices in connection with U Consulting website.

If you have any comments or questions regarding this statement, please contact us at info@uconsulting.ie