Cookies Policy

This statement outlines our privacy policy. Seniors Money Mortgages (Ireland) DAC will be the Data Controller of the personal data that you provide to us. Seniors Money Mortgages (Ireland) DAC is committed to upholding all legislative requirements in regards to data protection and privacy.

Cookies are small text files that are placed on your computer's hard drive by your web browser when you visit any website. They allow information gathered on one web page to be stored until it is needed for use on another, allowing a website to provide you with a personalised experience and the website owner with statistics about how you use the website so that it can be improved.

Some cookies may last for a defined period of time, such as one day or until you close your browser. Others last indefinitely.  Your web browser should allow you to delete any you choose. It also should allow you to prevent or limit their use.

Our website uses cookies. They are placed by software that operates on our servers, and by software operated by third parties whose services we use. When you first visit our website, we ask you whether you wish us to use cookies. If you choose not to accept them, we shall not use them for your visit except to record that you have not consented to their use for any other purpose.

If you choose not to use cookies or you prevent their use through your browser settings, you may not be able to use all the functionality of our website.

We use cookies in the following ways:

  • to register your visit to our website,
  • to track your privacy preference settings (i.e. your cookie consent), and
  • to analyse how you use our website.

Categories of Cookies Used

Functional (Always Switched On) - These cookies are vital for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences or accessing the website. You can set your browser to block or alert you about these cookies, but some parts of the site may not then work. These cookies do not store any personally identifiable information.

Statistics (Option to Switch Off) - These cookies allow us to monitor visits and traffic sources so we can analyse and improve the performance of our website. They tell us which pages are the most and least popular and allow us to see how visitors move around the website. A unique identifier is  assigned to each registered user, which enables us to recognise visitors to our website anonymously. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Managing Your Consent Preferences

When you visit our website for the first time you will be presented with a ‘Manage Consent’ notice with a link to this policy explaining the use of cookies by us, our partners and third parties. This will provide you with information about the specific cookies we use and how to control them. We will remember the preferences you select and may ask you to confirm these preferences from time to time. You can change your preferences at any time by scrolling to the bottom right hand side of the website page you are visiting and clicking on ‘Manage Consent’.

Most internet browsers are set to accept cookies automatically, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the "Help" section of your browser or  find out how to manage cookies in popular browsers below:

See more about how we manage your privacy in our Website Privacy Notice


Privacy Statement

This statement outlines our privacy policy. Seniors Money Mortgages (Ireland) DAC will be the Data Controller of the personal data that you provide to us. Seniors Money Mortgages (Ireland) DAC is committed to upholding all legislative requirements in regards to data protection and privacy.

Fair Processing Notice

You are not required to provide your details or complete any registration process before you can use this website. When you use certain products and services, you may be required to provide personal information, for example, in completing a loan application. The personal information we collect from you may include: name, address, telephone number, email address, date of birth and information about your financial circumstances.

What is Personal Data?

Under the EU's General Data Protection Regulation Personal Data is defined as follows:

Any information relating to an identified or identifiable natural person (data subject). An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

Special Categories of Personal Data

Certain data falling within the categories listed below are classified under the Regulation as "special categories":

  • Racial
  • Ethnic origin
  • Political Opinions
  • Religious Beliefs
  • Trade-union membership
  • Genetic Data
  • Biometric Data
  • Health Data
  • Data concerning a natural person's sex life
  • Sexual orientation
  • Other

Seniors Money Mortgages (Ireland) DAC does not collect data of this nature.

Consent

Consent is required for Seniors Money Mortgages (Ireland) DAC to process personal data, but it must be explicitly given. Where we are asking you for sensitive personal data we will always tell you why and how the information will be used.

Why Seniors Money Mortgages (Ireland) DAC needs to collect and store personal data

In order for us to provide you with our products and services and to run our business we need to collect personal data for service provision and correspondence purposes. In any event, we are committed to ensuring that the information we collect and use is appropriate for this purpose and does not constitute an invasion of your privacy. We may pass your personal data on to our service providers who are contracted to Seniors Money Mortgages (Ireland) DAC in the course of dealing with you. Our contractors are obliged to keep your details securely and use them only to fulfil the service they provide you on our behalf. Once your service need has been satisfied or the case has been closed, they will dispose of the details in line with Seniors Money Mortgages (Ireland) DAC procedures. If we wish to pass your personal data onto a third party we will only do so once we have obtained your consent unless we are legally required to do so.

How Seniors Money Mortgages (Ireland) DAC uses and shares your Information

Seniors Money Mortgages (Ireland) DAC will process — that means collect, store and use — the information you provide in a manner that is compatible with the EU's General Data Protection Regulation (GDPR). We will endeavour to keep your information accurate and up to date and not keep it for longer than is necessary.

We will only process your information where it is necessary for us to carry out our lawful business activities. In order for us to comply with laws and regulations we may also process and share information with certain regulatory bodies and law enforcement agencies.

We process your information to provide you with our products and services and to fulfil our contractual terms and conditions.

We may process your information to help us to improve our product offerings and services. We may share your information with other companies in the Seniors Money Group as required for the normal establishment or operation of your loan account.

We will not share your information with anyone outside the Seniors Money Group except:

  1. Where we have you your permission to do so
  2. Where we are required by law to do so
  3. Where required in order for us to offer our product or service
  4. With third parties providing contracting services on our behalf
  5. In anonymised form as part of statistics or other aggregated data shared with third parties.
  6. Where required for sale, reorganisation, transfer, financial arrangement, sub participation, asset disposal or other transactions relating to our business.
  7. Where permitted by law, it is necessary for our legitimate business interests or those of a third party, and it is not inconsistent with the purposes listed above.

Transferring information overseas

We may transfer your information to organisations in other countries that we have a commercial relationship with on the proviso that such organisations protect your information in a manner that meets our data protection requirements.

Marketing information

Seniors Money Mortgages (Ireland) DAC may wish to send you marketing information about its services from time to time. Prior to doing so we will seek your consent. If at any stage you would like to change your preferences (i.e. if you object to the use of your personal data for marketing use, please email [email protected] and ask for removal of your details.

Our aim is not to be intrusive, and we undertake not to ask irrelevant or unnecessary questions. Moreover, the information you provide will be subject to rigorous measures and procedures to minimise the risk of unauthorised access or disclosure.

Communication

We will contact you with information relevant to the operation and maintenance of your lifetime mortgage loan account with Seniors Money Mortgages (Ireland) DAC. Communication will be in the form of post, telephone, email and web notices (www.seniorsmoney.ie.)

We may monitor or record calls, emails, or other communications in accordance with applicable laws.

Data retention

Seniors Money Mortgages (Ireland) DAC creates and maintains a number of information sets relating to its customers. Information sets include both physical and electronic records in different formats. We require records to serve our customers' needs and to meet our business responsibilities.

We keep records for a period of seven years after our business relationship with a client ends unless we are required to keep records due to court order or regulatory or law enforcement requirements.

Access to your Personal Information

You have the right to be given a copy of information held by us about you. We may charge a fee for this which will not exceed €5.00 euros. We will provide the requested information to you within 30 calendar days of the receipt of a valid request in writing or by email. Applications must be sent with proof of identity such as a passport copy or driving license. We will also require applications to include any personal data, which relates to our company, such as your loan number.

You have the right to have any inaccuracies in the information held by us about you corrected, if inaccurate, or erased, if we do not have a legitimate reason for retaining that information. We will accede to any such valid requests within 30 calendar days of the receipt of a valid request by email to [email protected].

We reserve the right to request you to provide additional information in order to enable us to identify your personal data and/or to verify your identity.

Security of your Personal Information

Seniors Money Mortgages (Ireland) DAC is committed to protecting the security of your personal information. We follow best practice guidelines to help protect your information from unauthorised access, use or disclosure. Information is stored on computers with limited access that are located in controlled facilities.

Disclosure

No personal information will be retained for longer than is necessary.

Communicating via the Internet and sending information to you by other means necessarily involves your personal information passing through or being handled by third parties.

Governing Law and Jurisdiction

This legal notice and all issues regarding this website are governed exclusively by Irish law and are subject to the exclusive jurisdiction of the Irish courts.

Enforcement of this Privacy Statement

If you have any questions regarding the above statement please contact us at [email protected].