Francis Howard complies with the requirements of the relevant Irish legislation, namely the Irish Data Protection Act (1988), and the Irish Data Protection (Amendment) Act (2003).

This Privacy Statement governs the manner in which www.clonakilty-mortgage-broker.ie collects, uses, maintains and discloses information collected from users (each, a “User”) of the www.clonakilty-mortgage-broker.ie website (“Site”). This privacy policy applies to the Site and all services offered by www.clonakilty-mortgage-broker.ie

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Giving us your personal information
Please note that where you provide us with your personal information through a facility provided on this website or directly to us by email, you consent to us:
(a) processing and administering your personal data to perform all necessary actions to give effect to your request or instruction;
(b) passing your request on to employees of Acorn Life and any company within the Acorn Life group for the purpose of dealing with your request (at all times in accordance with the Data Protection Acts).
(c) retaining a record of incoming and outgoing communications (e.g. email).
Information in the email we receive and send will not be disclosed to any third party except in accordance with points (b) above, or where required to do so by the appropriate legislation.

Furthermore, should you provide us, via this website, with contact information relating to third parties, you will, through your direct contact with the data subjects, take all steps necessary to legitimise your processing of their personal information (including by obtaining consent of the data subject to processing, to provide information to the data subjects to ensure fair processing of their information (including information as to our name and address, your disclosure of information to us for the purposes as described above, our possible further disclosure of information as necessary for the purposes described above, and the data subject’s rights of access and correction as described above) and otherwise to ensure the fairness and lawfulness of all processing of information relating to the data subject. By providing Francis Howard with any information originating from a third party data subject, you confirm that you have taken and completed these steps.

Security of data
We take seriously our security obligations in respect of your personal data under the Data Protection Acts to prevent unauthorised access to, or alteration or destruction of personal data in our possession.

Right of Access
Where you have provided us with your personal data you have a right to be given a copy of your personal data in accordance with section 4 of the Data Protection Acts subject to certain exceptions. To request a copy of your personal data please print write to us at Data Protection Officer, Acorn Life, St Augustine Street, Galway, Ireland together with the prescribed fee of €6.35. Please note the following important requirements:

  • your access request should be made in writing, we shall not accept access requests via telephone, email or text message;
  • we shall not process an access request unless the prescribed fee of €6.35 is received by cheque or postal money order made payable to Acorn Life.

Right of rectification or erasure
If we hold incorrect information about you which was originally submitted by you through this website, you have the right to have the data amended. Further you have the right to have any information you have sent to us via this website erased. To request your right to rectification and/or erasure please send your request to us in writing at Data Protection Officer, Acorn Life, St Augustine Street, Galway, Ireland together with:

  • Your name and address.
  • A description of the specific personal data you wish rectified.
  • If you request an erasure of your personal data all your data will be erased subject to the following important notice.

We are not required to rectify or erase your data where to do so would prevent you from meeting your contractual obligations to us or where we are required to process (including retaining) your personal data for a lawful purpose in accordance with the Data Protection Acts.
We trust that you appreciate we respect your right to privacy and that our honesty and integrity shall mean that you will continue to trust us with your personal data, knowing that we will not use it for any inappropriate purpose.

Retention of data

We keep your personal data for as long as necessary for the purposes for which it was collected and to provide you with services, to conduct our legitimate business interests or where otherwise required by law.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

How we use collected information

www.francishoward.ie may collect and use Users personal information for the following purposes:

– To improve customer service
Information you provide helps us respond to your customer service requests and support needs more efficiently.
– To personalize user experience
We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
– To send periodic emails
We may use the email address to send them information and updates pertaining to their order. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, please email us directly at francis@francishoward.ie.
– To reply to your query.

How we protect your information:
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy statement and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

Google Adsense

Some of the ads may be served by Google. Google’s use of the DART cookie enables it to serve ads to Users based on their visit to our Site and other sites on the Internet. DART uses “non personally identifiable information” and does NOT track personal information about you, such as your name, email address, physical address, etc. You may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at http://www.google.com/privacy_ads.html

Changes to this privacy policy

www.francishoward.ie has the discretion to update this privacy statement at any time. When we do, we will post a notification on the privacy page of our Site. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy statement periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting us

If you have any questions about this Privacy Statement, the practices of this site, or your dealings with this site, please contact us at: francis@francishoward.ie