Privacy Policy

Introduction

Paul Murphy t/a Phoenix Financial Services is committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and show you that we are accountable with regard to the General Data Protection Regulation (“GDPR”) and the Data Protection Act 2018 (the “Act”) in relation to not only processing your data but ensuring you understand your rights as a client. It is the intention of this Privacy Statement to explain to you the information practices of Phoenix Financial services in relation to the information we collect about you. For the purposes of the GDPR the data controller is:

  • Paul Murphy t/a Phoenix Financial Services
  • Contact details of Paul Murphy are paul@phoenixfinancialservices.ie or Phone 0402 33335
  • When we refer to ‘we’ it is Phoenix Financial services

Please read this Privacy 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.

Who are we?

Our principal business is to provide advice and arrange transactions on behalf of clients in relation to life, savings, investments, pensions, & general insurance products. A full list of insurers and product producers with which we deal is available on request.

Mortgage Intermediary Services

We act as a Broker which means that: a) the principal regulated activities of the firm are provided based on a fair and personal analysis of the market. General Data Protection Regulation and data protection representatives can be contacted directly here:

  • Paul Murphy
  • paul@phoenixfinancialservices.ie
  • 0402 33335

Purpose for processing your data

We may use your personal information for the following purposes:

  1. To enable you to access and use the Services; and/or
  2. To personalise aspects of our overall service to you; and/or
  3. To communicate with you; and/or
  4. To use for future marketing by us, our third-party providers and our affiliated companies, which is Phoenix Buildings and Loan Ltd.
  5. To process a transaction between you and a third party and or our affiliated companies, which is Phoenix Buildings and Loan Ltd.

Why are we processing your data? Our legal basis.

Our principal business is to provide advice and arrange transactions on behalf of clients in relation to life, savings, investments, pensions, & general insurance products. It is necessary for us to collect and process your personal data, in order to efficiently carry out one or more of the above services. We are required, therefore, to inform you of the legal bases for processing your personal data. One such legal basis is that the processing is necessary for the performance of the advisory services contract (and any other contract) that we commit to delivering to you from time to time. Another legal basis is that some processing is necessary for the purposes of the legitimate interest that we have, as a firm that is authorised and regulated by the Central Bank of Ireland, in the proper administration and correct operation of our firm. There may also be circumstances where the legal basis for processing your personal data is consent (where we have sought it and it has been provided to us), in which case that consent may be withdrawn at any time. In any event,

Paul Murphy t/a Phoenix Financial Services 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.

How will Paul Murphy t/a Phoenix Financial Services use the personal data it collects about me?

Paul Murphy t/a Phoenix Financial Services will process (collect, store and use) the information you provide in a manner compatible with the GDPR and the Act. We will endeavour to keep your information accurate and up to date, and not keep it for longer than is necessary.

Special Categories of personal data

If we collect any special categories of personal data (e.g. health, religious beliefs, racial, ethnic origin (financial information is not classified as special categories of personal data)) – we will ensure the below

  • We will obtain your explicit consent

Who are we sharing your data with?

We may pass your personal data on to third-party service providers contracted to Paul Murphy t/a Phoenix Financial Services in the course of dealing with you. Any third parties that we may share your data with are obliged to keep your details securely, and to use them only to fulfil the service they provide on your behalf. When they no longer need your data to fulfil this service, they will dispose of the details in line with the regulatory requirements. Paul Murphy t/a Phoenix Financial Services procedures. If we are required to pass your sensitive personal data onto a third party we will only do so once we have obtained your explicit consent, unless we are legally required to do otherwise. We have issued all our third-party processors with a Data Processor checklist asking them GDPR specific questions. If we transfer personal data to a third party or outside the EU we as the data controller will ensure the recipient (processor or another controller) has provided the appropriate safeguards and on condition that enforceable data subject rights and effective legal remedies for you, the data subject, are available.

Data Subjects Rights:

Paul Murphy t/a Phoenix Financial Services facilitate you, our clients, rights in line with our Data Protection Policy and the subject access request procedure. This is available on request.

Your rights as a data subject: At any point while we are in possession of or are processing your personal data, you, the data subject, have the following rights:

  • Right of access – you have the right to request a copy of the information that we hold about you.
  • Right of rectification – you have a right to request data to be corrected, that we hold about you that is inaccurate or incomplete.
  • Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records.
  • Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
  • Right of portability – you have the right to have the data we hold about you transferred to another organisation.(electronically or hard copies if they have been provided)
  • Right to object – you have the right to object to certain types of processing such as direct marketing.
  • Right to object to automated processing, including profiling
  • Right to judicial review – in the event that Paul Murphy t/a Phoenix Financial Services refuses your request under rights of access, we will provide you with a reason as to why.

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.

Additional information

We are providing you with the following to ensure we are transparent and fair with our processing.

Retention of your personal data

Data will not be held for longer than is necessary for the purpose(s) for which they were obtained. Paul Murphy t/a Phoenix Financial Services process personal data in accordance with our retention schedule. This retention schedule has been created in line with regulatory requirements and in conjunction with guidance from Financial Services & Pensions Ombudsman, the Office of the Data Protection Commissioner and in line with our internal governance processes. Further information is available on request.

Complaints

In the event that you wish to make a complaint about how your personal data is being processed by Phoenix Buildings & Loan Limited or how your complaint has been handled, you have the right to lodge a complaint with Paul Murphy t/a Phoenix Financial Services data protection representatives, Data Protection Officer / GDPR Owner.

You may also lodge a complaint with the Data Protection Commission in Ireland, whose details are: Data Protection Commission 21 Fitzwilliam Square South, Dublin 2, D02 RD28.

Phone: + 353 (01) 7650100 / 1800 437 737 Web: www.dataprotection.ie Email: info@dataprotection.ie

Failure to provide further information

If we are collecting your data for a contract of services and you cannot provide this data, the consequences of this could mean the contract cannot be completed.

Profiling – automatic decision making

Profiling; Life, Savings, Investments, Pensions, & General Insurance advisors using profiling in their business. The main categories are a) 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.

Contact Us

Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on 0402 33335 or paul@phoenixfinancialservices.ie

Privacy policy statement changes

Paul Murphy t/a Phoenix Financial Services may change this privacy policy from time to time. When such a change is made, we will post a revised version online. Changes will be effective from the point at which they are posted. It is your responsibility to review this privacy policy periodically, so you are aware of any changes. By using our services, you agree to this privacy policy. This privacy policy was last reviewed and approved in March 2025.