1.1 The Low Cost Life Cover.ie & AC Financial Services website (the "Website") is operated by Curragrove Financial Services LTD ("we", "us", "our"). We respect your right to privacy. This Privacy Statement (together with our website Terms and Conditions of Use ("Terms"), our Terms of Business and any other documents referred to) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
1.2 The following discloses our information gathering and dissemination practices relating to this website. In order to fully understand your rights, we encourage you to read this Privacy Statement and to consult our terms and Terms of Business. Each time you use this website you will be bound by the then current Privacy Statement and you should review this each time you use the website to satisfy yourself that you are happy with it. Any external links to other websites are clearly identifiable as such and we are not responsible for the content or the privacy statements of these other websites.
1.3 For the purpose of the Data Protection Acts 1988 and 2003 (the "Acts"), the data controller is Curragrove Financial Services LTD trading as Low Cost Life Cover.ie & AC Financial Services with its registered office at 6-9 Trinity Street, Dublin 2, Ireland. Curragrove Financial Services LTD trading as Low Cost Life Cover.ie & AC Financial Services is regulated by the Central Bank of Ireland and is a private limited company.
By using this website, you signify acceptance of this Privacy Statement. If you do not agree with or you are not comfortable with any aspect of the Privacy Statement, your only remedy is to discontinue use of the website. We reserve the right to modify this Privacy Statement at any time. Your continued use of any portion of the website following notification or posting of such changes will constitute your acceptance of those changes.
We may collect and process the following data:
3.1 information that you provide to us when obtaining quotes or applying for cover for a product, or when you use this website or avail of our services. Such information might include a name, address, email address, telephone number, or sensitive personal data such as health information or criminal convictions;
3.2 information about you and any third parties whose data you disclose to us;
3.3 information provided at the time of registering to use this website, posting material on the website or requesting further services if such is applicable;
3.4 we may record telephone calls for training and verification purposes and if you contact us for any reason, we may keep a record of that correspondence;
3.5 we may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them; and
3.6 details of your visits to the website including, but not limited to, traffic data, location data and other communication data and the resources, advertisements and linked sites that you access.
3.7 should you contact us by web chat, phone, email, post or by any other method, we may hold the content, contact details and any additional information you provide to us on record for future reference and use.
IMPORTANT: Please do not send us any genetic test results. If you provide us with sensitive data or other information you are confirming that you consent to the processing of such data as set out in this Privacy Statement. You are further confirming that you have explained to all third parties whose data you provide to us, how their data is processed and that you have obtained the requisite consent to our processing of such data as set out in this Privacy Statement.
4.1 The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area ("EEA"). It may also be processed by staff operating outside the EEA who work for us or one of the underwriting life assurance companies. We may need to transfer data outside the EEA in order that the life assurance company can provide to you and administer the cover required. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Statement.
4.2 All information you provide to us is stored on secure servers. Where we have given you (or where you have chosen) a password or username which enables you to access certain parts of our website, you are responsible for keeping this password or username confidential. We ask you not to share this information with anyone.
4.3 Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access. We have security in place such as firewalls, backup and other appropriate technical security measures.
5.1 We use information held about you:
5.1.1 to ensure that content from our website is presented in the most effective manner for you and for your computer;
5.1.2 to provide you with cover, quotes, information, products or services that (a) you request from us or (b) which we feel may interest you where you have consented to be contacted for such purposes;
5.1.3 to carry out our obligations arising from any contracts entered into between you and us or the underwriting life assurance companies;
5.1.4 to allow you to participate in interactive features of our website; and
5.1.5 to notify you about changes to our website and/or services.
5.2 We will also disclose your data to selected life assurance companies who will use your data, to provide you with products and services, cover and to administer your policy.
5.4 We do not, without your consent, disclose information about identifiable individuals to third parties, but we may provide anonymised statistical data to them for research and survey purposes. We may also use such information to help advertisers reach the kind of audience they want to target (for example, those looking working in the education sector). We may make use of the personal data we have collected from you to enable us to comply with our advertisers' wishes by displaying their advertisement to that target audience.
6.1 We may disclose your personal information to approved contractors or sub-contractors working on our behalf, for example in connection with the provision, administration and management of your cover/policy, in connection with claims, to private investigators where we decide to investigate matters, reinsurance companies for reinsurance and related purposes.
6.2 We may disclose your personal information to third parties:
6.2.1 If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms and other agreements; or to protect the rights, property, or safety of Curragrove Financial Services LTD and its subsidiaries and its group companies, our users, or others;
6.2.2 including insurance and life assurance companies who provide quotes and/or cover to you and to reinsurance companies.
6.2.3 to third parties as part of a due diligence exercise or sales process connected with us.
We take your online security very seriously and this website has security measures in place to protect the loss, misuse and alteration of the information under our control. However, as no data transmission over the Internet can be guaranteed as 100% secure, we cannot ensure or warrant the security of any information you transmit to us and you transfer the data at your own risk. We endeavour to use appropriate security measures.
8.1 We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration, to report aggregate information to our advertisers to record session information and/or to assist you in answering questions in connection with the quotation process. This may in some instances only be statistical data about how you browse our website. 8.2 For the same reason, we may obtain information about your website usage by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. Cookies help us to improve our website and to deliver a better and more personalised service. They enable us:
8.2.1 to estimate usage numbers and patterns;
8.2.2 to store information about your preferences, and so allow us to customise our website according to your individual interests; and
8.2.3 to recognise you when you return to the website.
8.3 The following cookies are used in the website:
Analytic Tool Third Party Tool
Google Analytics is a free service offered by Google that generates detailed statistics about the visitors to a website. We use it to track how users navigate through our website e.g. what pages are performing well/badly, what browsers perform best, the average time a person spends on our website etc.
Google Adwords Conversion Tracking allows us to determine our best performing Adwords campaigns.
The conversion tracking involves placing a cookie on a user's computer when he/she clicks on an ad. Then, if the user clicks on your ad and reaches one of your conversion pages, a successful conversion is recorded.
8.5 For further information on cookies and how you can adjust settings in your browser, click HELP on your browser or visit www.allaboutcookies.org.
9.1 You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by emailing us at info@ lowcostlifecover.ie
9.2 The website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.