Privacy Policy

Medical information, for example, where you apply for life insurance, mortgage protection or investment products.

If you have criminal convictions, we may process this information in the context of completing an insurance policy.

Information about you provided by others If you give us information about someone else, or someone gives us information about you, (for example, where another person provides your information to us during the course of a (joint application), we may add it to any personal information we already hold and use it in the ways described in this Data Privacy Notice.

Your agreement to allow us to contact you through certain channels to offer you relevant products and services.

Information from online activities:

Telephone and image recordings.

CCTV images at our offices (but only for security reasons and to help prevent fraud or crime).

Information in relation to data access, correction, restriction, deletion, porting requests and complaints.

Improving our service (for example, identifying common service issues).

To personalise your online experience with us.

To contact you through the social media services, and enable you to share your experience and content via social media services.

Establish your eligibility for our services.

Manage and administer your accounts, policies, benefits or other products and services that we or our partners may provide you with.

Process your applications for financial services.

Contact you by post, phone, text message, email, social media, fax, or other means, but not in a way contrary to your instructions to us or contrary to law.

Monitor and record our conversations when we speak on the telephone (for example, to check your instructions to us, to analyse, to assess and improve customer service and for training and quality purposes).

Manage and respond to a complaint or appeal.

Engage agencies to trace you (for example, where the address you have provided is no longer accurate and ONYR Claims Consultants Limited needs to provide you
with legal documentation).

Provide service information, to improve our service quality and for training purposes.

Conduct marketing activities.

Carry out strategic planning and business portfolio management.

Compile and process your information for audit, statistical or research purposes (including, in some instances, making your data anonymous) in order to help us understand trends in our customer behaviour and to understand our risks better, including for providing management information, operational and data risk
management.

Protect our business, reputation, resources and equipment, manage network and information security (for example, developing, testing and auditing our websites and other systems, dealing with accidental events or unlawful or malicious actions that compromise the availability, authenticity, integrity and confidentiality of stored or transmitted personal data, and the security of the related services) and prevent and detect fraud, dishonesty and other crimes (for example, to prevent someone trying to steal your identity), including using CCTV at our premises.

Manage and administer ONYR Claims Consultants Limited legal and compliance affairs, including compliance with regulatory guidance and voluntary codes of practice to which we have committed.

Enable ONYR Claims Consultants Limited to access your information for internal administrative purposes, audit, prudential, statistical or research purposes (including making your data anonymous) to help us understand trends in customer behaviour, for helping us to understand our risks better and for the purposes set out in this Data Privacy Notice (but not for the purposes of direct marketing where you have objected to this).

Members of ONYR Claims Consultants Limited may in the future wish to sell, transfer or merge part or all of its business or assets or to buy a new business or the assets of another business or enter into a merger with another business. If so, we may disclose your personal information under strict duties of confidentiality to a potential buyer, transferee, merger partner or seller and their advisers, so long as they agree to keep it confidential and to use it only to consider the possible transaction. If the transaction goes ahead, the buyers, transferee or merger partner may use or disclose your personal information in the same way as set out in this Data Privacy Notice.

Facilitate a potential or actual transfer of any loan or product provided to you or in connection with a securitisation or other funding arrangement.

We need to use your information to comply with legal and regulatory obligations including: Complying with your information rights.

Providing you with statutory and regulatory information and statements.

Establishing your identity, residence and tax status in order to comply with law and regulation concerning taxation and the prevention of money laundering, fraud and terrorist financing

We are required by law to screen applications that are made to us to ensure we are complying with the international fight against terrorism and other criminal activities. As a result, we may need to disclose information to government and other statutory bodies.

Preparing returns to regulators and relevant authorities including preparing income tax, capital gains tax, capital acquisition tax and other revenue returns.

Reporting to and, where relevant, conducting searches on other industry registers.

Complying with binding requests from regulatory bodies, including the Central Bank of Ireland.

Complying with binding production orders or search warrants, and orders relating to requests for mutual legal assistance in criminal matters received from foreign law enforcement agencies/prosecutors.

For other reasons where a statutory reason exists we do so, including use of your Personal Public Service (PPS) number (or foreign equivalent).

Complying with court orders arising in civil or criminal proceedings.

Performing a task carried out in the public interest.

Send electronic messages to you about product and service offers from ONYR Claims Consultants Limited and/or our selected and trusted partners.

Share your data with third parties so that they may send you electronic messaging about their products and offers.

Use cookies in accordance with our Cookie Policy.

Use special categories of data, or sensitive data.

Use information you have made public and combine with this with the activities outlined above. When we ask for your consent, we will provide you with more information on how we will use your data in reliance on that consent, including in relation to third parties we would like your consent to share your data with.

These include your attorney (under a Power of Attorney) and any other party authorised by you to receive your personal data.

We will pass your details on to the relevant providers with your written consent.

We may request information relating to your health for underwriting and claims administration purposes.

We may disclose your information to our agents and other insurers and third parties for administration, regulatory, customer care and service purposes, and to investigate or prevent fraud.

When you use a joint product.

If you open or hold a joint account or product, this may mean that your personal data will be shared with the other applicant. For example, transactions made by you will be seen by your joint account holder, and you will see their transactions.

We will share your information with any person or entity which guarantees your obligations to us (for example, if a parent guarantees your mortgage or an entity provides a guarantee as part of a statutory scheme) or gives us an indemnity concerning these obligations.

Your personal information remains protected when our service providers use it. We only permit service providers to use your information in accordance with our instructions, and we ensure that they have appropriate measures in place to protect your information.

Our service providers include marketing and market research companies, analytics companies, investment companies, IT and telecommunication service providers, software development contractors, data processors, computer maintenance contractors, printing companies, property contractors, document storage and destruction companies, custodians and providers of administration services, archiving services suppliers, debt collection agencies, budgeting and advice agencies, tracing agencies, receivers, liquidators, examiners, official Assignee for Bankruptcy and equivalent in other jurisdictions, auditors and
consultants, including legal advisors.

Insurers/re-insurers and insurance bureaus.

Trade associations and professional bodies, non-statutory bodies and members of trade association.

Pension fund administrators, trustees of collective investment undertakings and pensions trustees.

Persons making an enquiry or complaint.consultants, including legal advisors.

Healthcare professionals and medical consultants.consultants, including legal advisors.

Business partners and joint ventures. In such cases, we, our business partners or those involved in the joint venture will let you know that your information in being shared and who it is being shared with.

These include the courts and those appointed by the courts, government departments, statutory and regulatory bodies in all jurisdictions where ONYR Claims Consultants Limited operates including: the Central Bank of Ireland, the Data Protection Commission, the Financial Services and Pensions Ombudsman, An Garda Síochána/police authorities/enforcement agencies, Revenue Commissioners, Criminal Assets Bureau, US, EU and other designated authorities in connection with combating financial and other serious crime, NAMA and its agents or other parties designated by or agreed with NAMA or designated under the relevant legislation, police forces and security organisations, ombudsmen and regulatory authorities, as well as fraud prevention agencies.

Credit reference/rating agencies, including The Irish Credit Bureau.

Those who are interested in or participating in buying or selling assets of ONYR Claims Consultants Limited or in connection with a funding arrangement for ONYR Claims Consultants Limited.

Correspondent banks and other financial institutions engaged to supply status opinions in accordance with banking practice.

In certain contracts of insurance where, for whatever reason, you cannot be found or you become insolvent, or the court finds it just and equitable to so order, then your rights under the contract may be transferred to and vested in the third party even though they are not a party to the contract of insurance. The third party has a right to recover from the insurer the amount of any loss suffered by them. Where the third party reasonably believes that you as
policyholder have incurred a liability the third party may be entitled to seek and obtain information from the insurer or from any other person who is able to provide it concerning:

Provide our products and services to you and fulfil our contract with you.

Manage our business for our legitimate interests.

Comply with our legal obligations.

Of course, you can choose not to share information, but doing so may limit the services we are able to provide to you.

We may not be able to provide you with certain products and services that you request. We may not be able to continue to provide you with or renew existing products and services.

We may not be able to assess your suitability for a product or service, or, where relevant, give you a recommendation to provide you with a ONYR Claims Consultants Limited financial product or service.

When we request information, we will tell you if providing it is a contractual requirement or not, and whether or not we need it to comply with our legal obligations.