Last updated: September 2018
BMC Financial Planning Ltd respect your concerns about privacy.
This Privacy Policy applies to bmcfinancial.ie and other online and mobile services and applications that link to or post this Privacy Policy (collectively, the “Online Data”), or through other means in the course of our business relationship with you.
This Privacy Policy describes the types of information we collect, how we may use that information and with whom we may share it. The Privacy Policy also describes the measures we take to protect the security of the personal information. We also tell you how you can reach us to ask us to answer any questions you may have about our privacy practices.
By using the Online Data, you signify your consent to this Privacy Policy. Your use of the Online Data and any information you provide through the Online Services is subject at all times to this Privacy Policy.
Information We Collect
Information You Provide Directly to BMC Financial Planning
We and our service providers may collect information that you provide us directly, for example, when you provide us with personal information for use in the application for financial products or when you otherwise contact us with a comment, question, or request. The information that you provide to us may include, but is not limited to (a) contact information, such as your name, postal address, email address, telephone number, (b) other identifying numbers, such as your Personal Public Service Number (PPSN), and driver’s license number; (c) bank account information, and medical information.
Information We Collect by Automated Means.
When you use the Online Services, we and our service providers may collect or retain certain information over time and across different websites when you use the Online Data. We and our service providers may collect this information by automated means, using technologies such as cookies, Web server logs and Web beacons.
Cookies are files that websites send to your computer or other Internet-connected device to uniquely identify your browser or to store information or settings in your browser. Please review your web browser’s “Help” file to learn how to modify your cookie settings. Please note, however, that without cookies, you may not be able to use all of the features of our Online Data. In conjunction with the gathering of information through cookies, our Web servers may log information such as your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. The Web server logs also may record information such as the address of the Web page that referred you to the Online Data and the IP address and actual location of the device you use to connect to the Internet. They may also log information about your interaction with the Online Data, such as which pages you visit. Web beacons are snippets of code embedded in webpages and are typically used to monitor activity on a webpage, collect information, or transfer information to servers.
How We Use the Information We Collect
We use the information we collect and receive to provide you with products and services and to operate, maintain, and enhance the Online Data. For example:
To Provide Our Services
We use the information we collect and receive to provide you with the financial products that you request; to deliver marketing communications, promotional materials, or advertisements that may be of interest to you; and to customize your experience when using our website, among other things.
To Improve Our Services
We use the information we collect and receive to improve the services we provide, for example by better tailoring content to user needs and preferences, about new and existing products and services.
To Communicate With You
We use the information we collect and receive to communicate with you about our services and products, to respond to you when you contact us, and to let you know about our policies and terms or provide other notices required by law.
Sharing of Information
We may share information we collect or receive in order to provide the products and services that you have requested, when we have your consent, or as otherwise described in this Privacy Policy. We do not rent or sell personal information to third parties.
We may share your information with service providers that perform services on our behalf, such as providing order and payment processing services, processing medical information, or delivering marketing communications, promotional materials, or advertisements that may be of interest to you. These service providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or to comply with legal requirements. We also may share your information among our affiliates.
We also may disclose information about you to third parties as required by law or regulation and when we have a good faith belief that it is necessary in order to protect the legal rights, safety, and security of BMC Financial Planning Ltd, our affiliates, to respond to and resolve claims or complaints, to prevent fraud or for risk management purposes, and to comply with or respond to law enforcement or legal process or a request for cooperation by a government or other entity.
We reserve the right to transfer information in association with the consideration, negotiation, or completion of a sale or transfer of all or a portion of our business or assets. Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use the information you have provided to us in a manner that is consistent with our Privacy Policy.
We may share information that is not reasonably identified with you for any purpose.
This Privacy Policy does not apply to the third party content; you acknowledge and agree that BMC Financial Planning Ltd is not responsible for the collection and use of your information by such third parties that are not under our control. We encourage you to review the privacy policies of those third party websites or services.
Your Choices
We offer you certain choices about what personal information we collect from you, how we use that information, and how we communicate with you. We do not currently support Do Not Track signals but may in the future.
How We Protect Information
We maintain reasonable administrative, technical and physical safeguards designed to protect the information you provide against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. As no information system can be fully secure, we cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk.
Protection of Personal Public Service Numbers
We strive to protect the confidentiality of PPS numbers we collect by employing reasonable safeguards seeking to (i) prohibit unlawful disclosure of PPS numbers and (ii) limit access to PPS numbers.
How We Retain Information
We may retain information that can reasonably identify you for as long as your account is active or as we determine is needed for our reasonable business purposes, including, to comply with our legal obligations, resolve disputes, and enforce our agreements.
International Visitors
BMC Financial Planning Ltd is based in Ireland. Regardless of where you use our website or provide information to us, the information may be transferred to and maintained on servers located in the Cloud, which may not provide the same level of protection for your personal information as your home country and may be available to the governments or its agencies under a lawful order made in Ireland. We may also store your information outside of Ireland or transfer it to our affiliates and business partners located in other countries for the purposes described herein. By providing any data through the website, you hereby expressly consent to such transferring and processing of your data in and to the United States and other countries.
Children’s Information
Our website is not directed to, nor knowingly collect information from, children under the age of 16. If you become aware that your child or any child under your care has provided us with information without your consent, please contact us at the contact information listed below.
Updates to Our Privacy Policy
This Privacy Policy may be updated periodically and without prior notice to you to reflect changes in our information practices or relevant laws. We will post a prominent notice on the Website to notify you of any significant changes to our Privacy Policy and indicate at the top of the notice when it was updated. You should review this Policy periodically. Your continued use of the website constitutes your agreement to this Privacy Policy.
Our Partner Privacy Policies
- Irish Life: https://www.irishlife.ie/privacy-notice
- BIS Platform: https://www.bis-platform.com/agreement.pdf
BIS Platform: https://www.bis-platform.com/PrivacyNotice.pdf - Blackbee: https://blackbee.ie/privacy-policy-documents/
- Standard Life: https://www.standardlife.ie/privacy
- Zurich: http://www.zurich.ie/privacy-policy
- Friends First: https://www.friendsfirst.ie/privacy/
- Aviva: http://www.aviva.ie/privacy/
- New Ireland: https://www.newireland.ie/options/data-privacy-notice/
- Royal London: https://www.royallondon.ie/legal-cookies-/privacy/
- April Ireland: https://www.april-uk.com/eire/legal/privacy-policy
- BCP Asset Management: http://www.bcp.ie/privacy-policy
How to Contact Us
If you have any questions or comments about this Privacy Policy, or if you would like us to update information we have about you or your preferences, please contact us as indicated below.
Head Office – Charleville
Charleville Business Centre, Old Cork Road, Charleville, Co. Cork.
Phone: 063 89888 Mobile: 087 824 6893