Privacy Policy

1. Introduction

Martin Donegan t/a Donegan Life and Pensions ("we", "us", or "our") respects your privacy and is committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website or engage our services and tell you about your privacy rights and how the law protects you.

We are regulated by the Central Bank of Ireland and operate as a Data Controller in respect of the personal information you provide to us.

2. The Data We Collect

In order to provide financial advice on protection, pensions, and investments, we must collect and process personal data. This may include:

• Identity Data: Name, date of birth, marital status, gender, and PPS number.
• Contact Data: Address, email address, and telephone numbers.
• Financial Data: Bank account details, income, expenditure, assets, and liabilities.
• Special Category Data: Medical history and health information (required for life insurance and protection applications).
• Employment Data: Occupation, employer details, and employment history.

3. How We Use Your Data

We will only use your personal data when the law allows us to. Most commonly, we will use your data in the following circumstances:

• To provide financial advice and arrange products on your behalf (Performance of a Contract).
• To comply with legal or regulatory obligations (e.g., Anti-Money Laundering requirements).
• Where it is necessary for our legitimate interests and your interests and fundamental rights do not override those interests.
• Where you have given us explicit consent (particularly for processing health data).

4. Data Sharing

We may share your personal data with third parties for the purposes set out above, including:

• Insurance companies and investment providers with whom we place business.
• Regulatory bodies such as the Central Bank of Ireland.
• Professional advisers including lawyers, bankers, auditors, and insurers.
• Third-party service providers who provide IT and system administration services (e.g., CRM systems).

5. Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. As a regulated firm, we are generally required to keep client files for at least six years after our relationship with you has ended.

6. Your Legal Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to:

• Request access to your personal data.
• Request correction of your personal data.
• Request erasure of your personal data.
• Object to processing of your personal data.
• Request restriction of processing your personal data.
• Request transfer of your personal data.
• Right to withdraw consent.

7. Contact Us

If you have any questions about this privacy policy or our privacy practices, please contact us at: