Melvin Life & Pensions Ltd. t/a Melvin Financial Services is committed to respecting and protecting your privacy and would like you to feel safe when you give us your personal details. We will always clearly identify ourselves in correspondence and on our website.
Our principal business is to provide advice and arrange transactions on behalf of clients in relation to life, serious illness, pensions, investments, savings and deposit products.
In order to provide you with relevant information, respond to your enquiries and requests for products and/or services we sometimes request that you provide us with information about yourself. This Privacy Notice will inform you of the information we gather and how it is used.
Melvin Life & Pensions Ltd. t/a Melvin Financial Services maintains the same privacy practices with respect to data that is collected off-line and on-line and this notice also covers both those methods of data collection and use. Melvin Life & Pensions Ltd. t/a Melvin Financial Services complies with EU General Data Protection Directive (GDPR) for the collection, use, and retention of all personal data.
You may visit our website without identifying yourself or revealing any personal information. Melvin Life & Pensions Ltd. t/a Melvin Financial Services do not collect domain information from your visit. This website may collect certain information from your visit, including the date and time of your access, the pages you have accessed, the name of the Internet Service Provider and the Internet Protocol (IP) address by which you are accessing the Internet, and the internet address from which you linked to our site, if applicable. We may use this information to better understand how our website is being used so that we can improve its performance.
For the purposes of the GDPR the data controller is:
Please read this Statement carefully as this sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Some portions of our website may request that you give us information about yourself, from which we are able to identify you, such as your name, email or other address. Some of the ways in which we may collect information from you are:
Generally, we may collect your data for one or more of five reasons based on below:
When we collect information about you, we intend to tell you why we are asking for the information and what we intend to do with it. You will have the option of not providing the information, in which case you may still be able to access other parts of this website, although you may not be able to access certain services. In certain areas of our website, we may, where appropriate, enable you to ‘opt in’ to certain uses of your information e.g. personal data and direct marketing.
Data will not be held for longer than is necessary and general client details will be held while you are a customer. Our Regulator, The Central Bank of Ireland, requires that where clients have products with us that we maintain their data for six years after the last product expires or is cancelled.
The information we collect about you or your computer is used to run the website, respond to your requests or process any transactions you have requested. It may also be used to verify your identity, send you information or contact you in relation to a Melvin Life & Pensions Ltd. t/a Melvin Financial Services product or service that you are using or that we believe may be of interest to you after you have chosen to ‘opt in’.
In certain instances, we may make your information available to third parties with whom we have a relationship where that third party is providing services on our behalf to clients. You can view the list of product providers we hold agencies with via the Central Banks website. We will only provide those third parties with information that is necessary for them to perform the services and we take measures to protect your information.
The information we collect may be used, stored and processed within the EU. Melvin Life & Pensions Ltd. t/a Melvin Financial Services may disclose information it has collected about you on the website if required to do so by law or when necessary to protect the rights of Melvin Life & Pensions Ltd. t/a Melvin Financial Services or its employees.
We have issued all our third-party processors with a Data Processor checklist asking them GDPR specific questions
At any point while we are in possession of or processing your personal data, you, the data subject, have the following rights:
All of the above requests will be forwarded on should there be a third party involved as we have indicated in the processing of your personal data.
Melvin Life & Pensions Ltd. t/a Melvin Financial Services intent is to strictly protect the security of your personal information; honour your choice for its intended use; and carefully protect your data from loss, misuse, unauthorised access or disclosure, alteration or destruction. We have taken appropriate steps to safeguard and secure information we collect online, including the use of encryption when collecting or transferring sensitive data. However, you should always take into consideration that the internet is an open forum and that data may flow across networks with little or no security measures, and therefore such information may be accessed by people other than those you intended to access it.
You are entitled to know whether we hold information about you and, if we do (subject to certain limitations), to have access to that information and have it corrected if it is inaccurate or out of date. To exercise your Right of Access or to update your details under your Right of Rectification or Erasure please email your request to the contact address below with proof of identity.
In the event that you wish to make a complaint about how your personal data is being processed by Melvin Financial Services or how your complaint has been handled, you have the right to lodge a complaint directly with the data supervisory authority and/or Tony Boland, Melvin Financial Services (096)70244 – firstname.lastname@example.org.
Link below to the complaints section of the Data Commissioner website:https://www.dataprotection.ie/docs/Making-a-Complaint-to-the-Data-Protection-Commissioner/r/18.htm or email Data Protection Commissioner to email@example.com
A. Risk Profiling
To establish a customer’s attitude to investment risk (relates to pensions and investments) advisors have automated calculators which calculate the customers attitude to various levels of risk having answered a series of questions.
B. Profiling for marketing purposes.
When we seek to contact you about other services, as outlined above we run automated queries on our computerised data base to establish the suitability of proposed products or services to your needs.
C. Establishing affordability and providing quotations for financial services products.