Privacy Notice | iQ Financial Ireland

Privacy Policy and Cookie Policy

iQ Financial respects an individual’s right to privacy and complies with its obligations under the General Data Protection Regulation (EU Regulation 2016/679). The purpose of this Website Privacy Policy is to outline how iQ Financial deals with any personal data that is provided to it while visiting this website. Users should not use this website if they are unhappy with this policy. By visiting this website, users are accepting the terms of this Website Privacy Policy. Any external links to other websites are clearly identifiable as such, and iQ Financial is not responsible for the content or the privacy policies of other websites.

Summary of activities of the business

iQ Financial provides a bespoke and comprehensive Lifestyle Financial Planning service which is unique to you. We produce personal financial plans which include lifetime cashflow forecasts. Where the needs of a plan require an investment, insurance or pension product we recommend and process those products on your behalf.

Our registered office is at 50 John Street, Sligo, F91 PP3X.

Types of Information Collected

To allow us to deliver our service to you we collect 2 types of information.

Personal Data:
This is data that identifies you or can be used to identify or contact you and may include comprehensive personal financial information including, but not limited to, your contact details, PPSN, income, expenses, pensions, current assets, liabilities and the estimated cost of future life events. Such information is only collected from you if you voluntarily submit it to us.

Non-Personal Data:
Like most websites, we gather statistical and other analytical information collected on an aggregate basis of all visitors to our website.

This Non-Personal Data comprises information that cannot be used to identify or contact you, such as demographic information regarding, for example, user IP addresses where they have been clipped or anonymized, browser types and other anonymous statistical data involving the use of our website.

Purposes for which we hold your information:

Non-Personal Data:
We use the Non-Personal Data gathered from visitors to our website in an aggregate form to get a better understanding of where our visitors come from and to help us better design and organise our website.

Personal Data:
We will process any Personal Data you provide to us so that we can send you the information you have requested and to provide information that may be useful to you.

Disclosure of Information to Third Parties

We may provide Non-Personal Data to third parties, where such information is combined with similar information of other users of our website. For example, we might inform third parties regarding the number of unique users who visit our website, the demographic breakdown of our community users of our website, or the activities that visitors to our website engage in while on our website. However, we do not sell or share any information about individual users. We will not disclose your Personal Data to third parties unless you have consented to this disclosure or unless the third party is required to fulfil your request for information (in such circumstances, the third party is bound by similar data protection requirements). We will disclose your Personal Data if we believe in good faith that we are required to disclose it in order to comply with any applicable law, a summons, a search warrant, a court or regulatory order, or other statutory requirement.

Security

Your Personal Data will be held on secure servers. The nature of the Internet is such that we cannot guarantee or warrant the security of any information you transmit to us via the Internet. No data transmission over the Internet can be guaranteed to be 100% secure. However, we will take all reasonable steps (including appropriate technical and organisational measures) to protect your Personal Data and we treat all the data held with the utmost care and security.

Updating, Verifying and Deleting Personal Data

You may inform us of any changes in your Personal Data, and in accordance with our obligations under the General Data Protection Regulation (EU Regulation 2016/679) we will update or delete your Personal Data accordingly. To find out what Personal Data we hold on you or to have your Personal Data updated, amended or removed from our database, please email us at office@iqf.ie

Changes to the Website Privacy Policy

Any changes to this Website Privacy Policy will be posted on this website so you are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any time, we decide to use Personal Data in a manner significantly different from that stated in this Website Privacy Policy, or otherwise disclosed to you at the time it was collected, we will notify you by email, and you will have a choice as to whether we use your information in the new manner.

The Cookie Policy

This Cookies Policy explains what Cookies are and how we use them. You should read this policy so you can understand what type of cookies we use, or the information we collect using Cookies and how that information is used.
Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from Cookies. For further information on how we use, store and keep your personal data secure, see our Privacy Policy.

We do not store sensitive personal information, such as mailing addresses, account passwords, etc. in the Cookies we use.

Interpretation and Definitions

Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions.
The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions
For the purposes of this Cookies Policy:

Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Cookies Policy) refers to iQ Financial, 2nd Floor, 10 Stephen Street, Sligo
‘You’ means the individual accessing or using the Website, or a company, or any legal entity on behalf of which such individual is accessing or using the Website, as applicable.
Cookies means small files that are placed on your computer, mobile device or any other device by a website, containing details of your browsing history on that website among its many uses.
Website refers to iQ Financial, accessible from www.iqf.ie.

The use of the Cookies

Type of Cookies we use
Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when you go offline, while Session Cookies are deleted as soon as You close your web browser.

We use both session and persistent Cookies for the purposes set out below:

• Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide you with services available through the Website and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that you have asked for cannot be provided, and we only use these Cookies to provide you with those services.

• Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

• Tracking and Performance Cookies
Type: Persistent Cookies
Administered by: Third-Parties
Purpose: These Cookies are used to track information about traffic to the website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new advertisements, pages, features or new functionality of the Website to see how our users react to them.

• Social Media Cookies
Type: Persistent Cookies
Administered by: Third-Parties
Purpose: In addition to Our own Cookies, we may also use various third parties Cookies to report usage statistics of the Website, deliver advertisements on and through the Website, and so on. These Cookies may be used when you share information using a social media networking websites such as Facebook, Instagram, Twitter or Google+.

Your Choices Regarding Cookies

If you prefer to avoid the use of Cookies on the website, you may do so by changing your settings by clicking on the floating button on the bottom left of your screen. You can also disable the use of Cookies in your browser and delete the Cookies saved in your browser associated with this website. You may use this option for preventing the use of Cookies at any time for any website.
If you do not accept our Cookies, you may experience some inconvenience in your use of the Website and some features may not function properly.
If you would like to delete Cookies or instruct your web browser to delete or refuse Cookies, please visit the help pages of your web browser.
• For the Chrome web browser, please visit this page from Google: https://support.google.com/accounts/answer/32050
• For the Internet Explorer web browser, please visit this page from Microsoft: http://support.microsoft.com/kb/278835
• For the Firefox web browser, please visit this page from Mozilla: https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored
• For the Safari web browser, please visit this page from Apple: https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac

For any other web browser, please visit your web browser’s official web pages.