Privacy & Cookie Notice

We are pleased that you have decided to select Curran Connolly & Co. (Drogheda) Ltd. (the Company) to act as your insurance and investment intermediary. We are committed to respecting and protecting your privacy and would like you to feel safe when giving your details. To provide you with relevant information and respond to your requests, we sometimes request that you provide us with information about yourself or someone else. This document sets out in detail how we collect, use and disclose personal data we gather from you. Please ensure that you read through this document and contact us, if you require further clarification regarding any matter.

Your continued use of the website constitutes your consent to the contents of this notice.

Regulatory Information

The Company is registered as an insurance intermediary under the European Communities (Insurance Mediation) Regulations 2005, as an Investment Business Firm and Investment Product Intermediary under the Investment Intermediaries Act 1995 and is regulated by the Central Bank of Ireland (C1424). The Company has passporting rights to insurance mediation services in the UK and is subject to limited regulation by the Financial Conduct Authority. Details of registration are available on request or by contacting the Central Bank of Ireland. The Company is a member of Brokers Ireland. Our company registration number is 75285.

The Company complies with the Data Protection Acts 1988 and 2003, the EU General Data Protection Regulation (‘GDPR’) and any other Data Protection legislation/Acts passed as a result of the GDPR.

How We Process Your Data

The Company follows these principles when processing personal data:

1. We process personal data lawfully, fairly and in a transparent manner.
2. We collect personal data for specified, explicit and legitimate purposes only.
3. We only process personal data that is adequate, relevant and limited to what is necessary for the purposes of processing personal data.
4. We keep personal data accurate and, where necessary, up to date. We take every reasonable step to ensure that inaccurate personal data is erased or rectified without delay.
5. We do not keep personal data for longer than is necessary for the purposes of processing personal data.
6. We process personal data in a manner that ensures appropriate security, including protection against unauthorised or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organisational measures.

If you provide information about someone else, such as an additional insured, you must have obtained this person’s consent and have made them aware of the terms of this insurance. For motor insurance, you must also have obtained the additional insured’s consent to allow us to verify their information via the Integrated Insurance Data System (‘IIDS’).

What Information We Gather & Why

In general, you may visit this website without identifying yourself or revealing any personal data. The Company collects domain information from your visit to customise and improve your experience on our website.

This website may collect certain information from your visit, including the date and time of your access, the pages you have accessed, the name of the Internet Service Provider (ISP) and the Internet Protocol (IP) address by which you are accessing the Internet, and the Internet address from which you linked to our site, if applicable. We use this information to better understand how our website is being used so that we can improve its performance.

Some portions of this website, however, may request that you give us information about yourself, from which we are able to identify you: for example, our Contact Us form or Online Quote service.

In this case, we process your personal data in order to provide insurance quotation and placement services, i.e. processing is necessary for the performance of a contract to which you are party or in order to take steps at your request prior to entering into a contract. We process your personal data to:

• Introduce, propose or carry out other work preparatory to the conclusion of contracts of insurance
• Carry out administration of contracts of insurance at inception, mid-term, renewal and throughout the term of the policy
• Assist in the event of a claim
• Comply with regulatory, industry and tax legislation
• Carry out internal reporting.

Such personal data may include, but not limited to:

• Name
• Address
• Phone number
• E-mail address
• Date of birth
• Occupation
• CV’s
• Convictions, claims, penalty points, etc.
• Risk details, e.g. driving licence, NCT, vehicle information, property, turnover, fee income, etc.
• Banking details for premium credit facility
• Medical history.

It may sometimes be necessary to transfer personal information overseas. When this is needed, information is only shared within the European Economic Area (EEA) in full compliance with all aspects of data protection.

Who We Share or Seek Information From

We may share your personal data with or seek information from a number of external parties, such as:

• Insurers, intermediaries and third party underwriters that we obtain quotations from
• Insurance software providers
• Premium financing companies for the purposes of arranging a premium credit facility for you
• Re-insurers
• Parties acting on your behalf, e.g. insurance intermediary, insurer, loss assessor, solicitor, executor, accountant, garage, repairer, etc.
• Parties acting on the insurer’s behalf, e.g. loss adjuster, external investigator, medical practitioner, solicitor, repairer, etc.
• Surveyors, assessors and consultants for the purposes of surveying or assessing the risk
• The Central Bank of Ireland, the Financial Services & Pensions Ombudsman or any equivalent supervisory or regulatory body
• The Gardaí, Revenue Commissioners or any other persons authorised by law to access records
• Computer network maintenance companies.

Retention Schedule

Your Rights

• Right to be informed
• Right of access
• Right to rectification
• Right to erasure (‘right to be forgotten’)
• Right to restrict processing
• Right to data portability
• Right to object
• Right in relation to automated decision making and profiling.

You have the right to withdraw your consent to us processing your personal data at any time by contacting us as per the section below.

Cookie use

A cookie is a small text file that is saved to your computer or mobile device and acts to remember your browsing history, preferences and improve performance. Cookies do not identify you but act to link your web browsers to the server providing content. This allows a more personal service which remembers your site visit preferences.

You can control how cookies are used on your web browser by opening the browser help menu and changing the settings to block or erase cookie activity. Please note that the website may not run as expected after changing cookie settings as cookies are used for site services, for example, security, log-ins and language choices.

Types of cookies include:

• Necessary cookies: these cookies are used to manage your website visit. They provide features such as encryption for data and user login.
• Analytical cookies: these cookies track user statistical visit data, such as country, browser type and pages visited.
• Targeting cookies: these cookies remember which features or ads you were presented with, and can display the same or related content to provide you with a content that may be of more interest to you.
• Functionality cookies: these cookies allow your browser to operate more effectively, i.e. your language choice or menu preferences. They can also be used to provide services you request, such as viewing videos or social media integration.

Data security

The Company’s intent is to strictly protect the security of your personal information, honour your choice for its intended use and carefully protect your data from loss, misuse, unauthorised access or disclosure, alteration or destruction. We have taken appropriate steps to safeguard and secure information we collect online, including the use of encryption when collecting or transferring sensitive data such as credit card information.

However, you should always take into consideration that the Internet is an open forum and that data may flow across networks with little or no security measures, and therefore such information may be accessed by people other than those you intended to access it.

Business relationships

We may partner with or receive services from third parties which you can visit from our website. We may also embed external content and features from such third parties within our website (for example, social media networks, such as LinkedIn, Facebook and Twitter). We do not control the content or links that appear on these sites and are not responsible for the practise employed by websites linked to or from our site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy and cookie policies. Browsing and interaction on any other website, including websites which have a link to our site, is subject to that website’s own terms and policies.

Contacting Us

If you have any questions or comments about our Privacy Notice or data protection practices, or would like to exercise any of the above rights, please contact our Compliance Officer at info@curcon.ie, who will review your request.

You have the right to lodge a complaint with the Data Protection Commissioner at info@dataprotection.ie if you are unhappy with any aspects of how your personal data is processed.