Privacy Policy

EasyToFin Financial Services Limited ("we," "us," "our," or "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services as an insurance broker regulated by the Central Bank of Ireland.

1. Information We Collect

1.1 Information You Provide Directly

We collect information you voluntarily provide to us, including personal identification information (name, email, phone, address, date of birth), financial information (income, employment status, financial obligations), health information (medical history, lifestyle details), communication preferences, quote and application data, and payment information.

1.2 Information Collected Automatically

When you visit our website, we automatically collect device information (type, operating system, browser, IP address), usage data (pages visited, time spent, links clicked), cookies and similar technologies, and general location data based on IP address.

1.3 Information from Third Parties

We may receive information about you from insurance providers and underwriters, credit reference agencies (with your consent), other financial institutions, public records and regulatory databases, and marketing partners (with appropriate consent).

2. Legal Basis for Processing

Under the General Data Protection Regulation (GDPR) and the Data Protection Act 2018, we process your personal data based on contract performance, legal obligation, legitimate interest, consent, and vital interests.

3. How We Use Your Information

3.1 Service Delivery

We use your information to provide insurance quotes, arrange policies, process applications and claims, communicate about your policies, and provide customer support.

3.2 Regulatory Compliance

We comply with Central Bank of Ireland regulations, conduct anti-money laundering (AML) and Know Your Customer (KYC) checks, handle tax reporting and regulatory filings, and detect and prevent fraud.

3.3 Business Operations

We improve our services and website functionality, analyze usage patterns and customer preferences, conduct market research, and provide training and quality assurance.

3.4 Marketing and Communications

We send newsletters and promotional materials (with your consent), notify you about policy updates and new services, and respond to your inquiries.

3.5 Legal and Safety

We protect against fraud and unauthorized access, enforce our terms and conditions, respond to legal requests from authorities, and protect the rights, property, and safety of our company, customers, and public.

4. Data Sharing and Disclosure

We do not sell your personal data. However, we may share your information with service providers, regulatory authorities, other parties (with authorization), and may transfer data outside the EEA with appropriate safeguards.

5. Data Retention

We retain active customer data for the duration of the relationship plus 6 years, inactive customer data for 6 years after last contact, marketing data until consent is withdrawn, website analytics for 12-24 months, and backup data for 90 days. After retention periods, we securely delete or anonymize data.

6. Your Data Protection Rights

Under GDPR and the Data Protection Act 2018, you have the following rights:

6.1 Right of Access

You have the right to request a copy of the personal data we hold about you. We will provide this within 30 days of your request.

6.2 Right to Rectification

You have the right to request correction of inaccurate or incomplete personal data.

6.3 Right to Erasure

You have the right to request deletion of your personal data, subject to certain exceptions (e.g., legal obligations, ongoing disputes).

6.4 Right to Restrict Processing

You have the right to request that we limit how we use your personal data while we verify its accuracy or assess the lawfulness of processing.

6.5 Right to Data Portability

You have the right to request your personal data in a structured, commonly used, machine-readable format and to transmit it to another organization.

6.6 Right to Object

You have the right to object to processing of your personal data for marketing, profiling, or other purposes.

6.7 Right to Withdraw Consent

If we process your data based on consent, you have the right to withdraw that consent at any time.

6.8 Right to Lodge a Complaint

You have the right to lodge a complaint with the Data Protection Commission (DPC) if you believe we have violated your data protection rights.

To exercise any of these rights, please contact us at: [email protected]

7. Cookies and Similar Technologies

7.1 What Are Cookies?

Cookies are small text files stored on your device that help us recognize you and enhance your experience.

7.2 Types of Cookies We Use

We use essential cookies for core website functionality, performance cookies to analyze usage, functional cookies to remember preferences, and marketing cookies to track interests.

7.3 Cookie Management

You can control cookies through your browser settings. However, disabling essential cookies may affect website functionality. You can also opt-out of marketing cookies by clicking "Manage Preferences" on our website.

8. Security Measures

We implement encryption for data in transit and at rest, access controls, firewalls and intrusion detection, regular security audits, employee training, and an incident response plan. However, no security system is completely secure.

9. Third-Party Links and Services

Our website may contain links to third-party websites and services. This Privacy Policy applies only to our website. We are not responsible for the privacy practices of third-party websites.

10. Contact Information

For questions about this Privacy Policy or to exercise your data protection rights, please contact us at the address, phone, or email listed below.

Address: 18 Cook Street, Cork City, Ireland

Phone: 1800 008888

Email:: [email protected]

11. Regulatory Information

EasyToFin Financial Services Limited is regulated by the Central Bank of Ireland. Our registration number is 801689.

Address: New Wapping Street, Dublin 8, D08 NB45, Ireland

Phone: +353 1 224 6000

Website: www.centralbank.ie

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by updating the "Last Updated" date and, where appropriate, by providing additional notice.