Privacy Policy

Last Updated: May 26, 2025

1. Introduction

Welcome to Green Isle Finance. Green Isle Finance (“we,” “us,” or “our”) is committed to protecting your privacy and handling your personal data in an open and transparent manner. This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit our website (www.greenislefinance.com), interact with us, or use our financial advisory services.

Green Isle Finance Ltd is registered in Ireland (CRO No: 785015) with its principal place of business in Dublin, Ireland. We are currently in the process of seeking authorisation from the Central Bank of Ireland as an Insurance Intermediary and Investment Intermediary.

This policy is designed to comply with the General Data Protection Regulation (GDPR) and Irish data protection legislation.

2. Information We Collect

We may collect and process the following types of personal data:

  • Information you provide directly:
    • Identity Data: Your full name, date of birth, marital status, PPS number (where required for financial products).
    • Contact Data: Your address, email address, and telephone number(s).
    • Financial Data: Information about your income, assets, liabilities, financial goals, risk appetite, existing financial products, bank account details (for setting up policies/investments).
    • Special Category Data: In limited circumstances, and only where necessary for specific financial products (e.g., health information for life assurance or income protection applications), we may collect sensitive personal data. We will only do this with your explicit consent or where legally required.
    • Information from Enquiries: If you contact us via our website contact form, email, or phone, we will collect the information you provide in that communication.
  • Information we collect automatically (through our website):
    • Technical Data: Internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
    • Usage Data: Information about how you use our website, products, and services.
    • Cookie Data: Our website may use cookies to enhance user experience. Please see our Cookie Policy section below (or a separate Cookie Policy if you create one).

3. How We Use Your Information

We use your personal data for the following purposes:

  • To provide you with financial advisory services, including assessing your needs, recommending suitable products (assurance, insurance, pensions, investments), and assisting with applications.
  • To respond to your enquiries and communicate with you.
  • To fulfil our contractual obligations to you if you become a client.
  • To comply with our legal and regulatory obligations, including those set by the Central Bank of Ireland, anti-money laundering (AML) regulations, and other applicable laws.
  • To manage our business operations, including record keeping, internal reporting, and auditing.
  • To improve our website and services (based on aggregated and anonymised usage data where possible).
  • For marketing purposes (e.g., sending you newsletters or information about services), but only where you have given your explicit consent for us to do so.

4. Legal Basis for Processing Your Personal Data

We will only process your personal data where we have a lawful basis to do so. The legal bases we rely on include:

  • Consent: Where you have given us explicit consent to process your personal data for a specific purpose (e.g., for marketing, or for processing special category data). You can withdraw your consent at any time.
  • Contract: Where processing is necessary for the performance of a contract with you (e.g., to provide financial advisory services once you become a client) or to take steps at your request before entering into such a contract.
  • Legal Obligation: Where processing is necessary for compliance with a legal or regulatory obligation to which we are subject (e.g., AML requirements, Central Bank of Ireland reporting).
  • Legitimate Interests: Where processing is necessary for our legitimate interests (or those of a third party), and your interests and fundamental rights do not override those interests. This may includeresponding to your enquiries, administering our website, or for risk management.

5. Data Sharing and Disclosure

We do not sell your personal data to third parties. We may share your personal data with:

  • Product Providers: Insurance companies, investment firms, pension providers, etc., when you apply for a financial product through us and with your explicit instruction/agreement.
  • Our Service Providers: Third parties who provide services on our behalf, such as IT and system administration support, compliance support, secure document management, or auditing services. These providers are bound by confidentiality obligations and are only permitted to use your data in accordance with our instructions.
  • Regulatory and Legal Authorities: The Central Bank of Ireland, An Garda Síochána, the Revenue Commissioners, or other authorities if required by law or to protect our legal rights.
  • Professional Advisors: Our solicitors, accountants, or auditors when necessary.

We will ensure appropriate safeguards are in place before sharing your data with any third party.

6. 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. The retention period will vary depending on the nature of the data and our regulatory obligations (e.g., financial records often need to be kept for at least six years after the relationship ends). Once no longer required, your data will be securely deleted or anonymised.

7. Data Security

We have put in place appropriate technical and organisational security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorised way, altered, or disclosed. We limit access to your personal data to those employees, agents, contractors, and other third parties who have a business need to know. They will only process your personal data on our instructions and are subject to a duty of confidentiality.

We have procedures in place to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

8. Your Data Protection Rights

Under GDPR, you have several rights in relation to your personal data, including:

  • Right of Access: To request a copy of the personal data we hold about you.
  • Right to Rectification: To request correction of inaccurate personal data.
  • Right to Erasure (Right to be Forgotten): To request deletion of your personal data where there is no compelling reason for us to keep using it.
  • Right to Restrict Processing: To request that we suspend the processing of your personal data in certain circumstances.
  • Right to Data Portability: To request the transfer of your personal data to another party in a machine-readable format (in certain circumstances).
  • Right to Object: To object to the processing of your personal data where we are relying on a legitimate interest (or those of a third party).
  • Rights related to Automated Decision Making and Profiling: We do not currently envisage making decisions about you by automated means without human involvement that would produce legal effects or similarly significantly affect you.
  • Right to Withdraw Consent: Where we rely on your consent to process your data, you have the right to withdraw that consent at any time.
  • Right to Lodge a Complaint: You have the right to lodge a complaint with the Irish Data Protection Commission (DPC) if you are unhappy with how we have handled your personal data. You can find their contact details at www.dataprotection.ie.

To exercise any of these rights, please contact us using the details provided below.

9. Cookies

Our website may use cookies (small text files placed on your device) to help it work better and to distinguish you from other users. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.

10. Transfers of Data Outside the European Economic Area (EEA)

We primarily store and process data within the EEA. If we do transfer any of your personal data outside the EEA (for example, if we use a cloud service provider whose servers are located outside the EEA), we will ensure that appropriate safeguards are in place to protect your data in accordance with GDPR requirements, such as by using Standard Contractual Clauses approved by the European Commission or ensuring the recipient is in a country deemed to provide an adequate level of data protection.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last Updated” date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

12. Contact Us

If you have any questions about this Privacy Policy, our data protection practices, or if you wish to exercise any of your rights, please contact us:

Data Protection Contact: info@greenislefinance.com

Green Isle Finance Ltd

Dublin, Ireland