AMVOY WEALTH US PRIVACY POLICY

Amvoy Wealth is committed to respecting and protecting your privacy. We wish to be transparent on how we process your data. It is the intention of this privacy statement to explain to you the information practices of Amvoy Wealth in relation to the information we collect about you. 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.

Amvoy Wealth is a Personal Financial Planning firm. Our principal business is to collaborate with our clients to create a Financial Plan to help secure your financial future.

In order to provide our service, we need to use your personal information. This Privacy Notice sets out the bases on which we gather, use, process and disclose any Personal Data we collect about you. Any questions or concerns you have about your data should be addressed to us directly.

This Privacy Notice applies to you, whether you are a current, past, or prospective client.  It also applies to third parties whose data you provide to us in connection with our relationship with you eg. the names of relatives. Please ensure that you provide a copy of this Privacy Notice to any third parties whose personal data you provide to us.

Terms of Use

These Terms and Conditions of Use (the “Terms of Use”) apply to the Amvoy Wealth website located at www.amvoywealth.com. The Site is the property of Amvoy Financial Limited & Skearney Financial Limited and its licensors.

By using the site, you agree to these Terms of use… If you do not agree to these Terms, please do not use the site.

Amvoy Wealth reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, Amvoy Wealth grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.

Customer Privacy Policy Notice

Federal law gives clients the right to limit some but not all sharing of personal information. In situations where a financial institution does disclose customer information to non-affiliated third parties, other than permitted or required by law, clients must be given the opportunity to opt out or prevent such disclosure.

Amvoy Wealth does not share or disclose customer information to non-affiliated third parties except as permitted or required by law.

Commitment to Your Private Information

Amvoy Wealth is committed to safeguarding the confidential information of its clients. Amvoy Wealth holds all personal information provided by clients in the strictest confidence and it is the objective of the firm to protect the privacy of all clients. Except as permitted or required by law, Amvoy Wealth does not share confidential information about clients with non-affiliated parties. In the event that there were to be a change in this policy, the firm will provide clients with written notice and clients will be provided an opportunity to direct Amvoy Wealth as to whether such disclosure is permissible.

Why We Collect and How We Use Information

To conduct regular business, Amvoy Wealth, collects personal information from sources such as:

  • Information reported by the client on applications or other forms the client provides to us.
  • Information about the client’s transactions implemented by the firm or others.
  • Information developed as part of financial plans, analyses or investment advisory services.

To administer, manage, service, and provide related services for client accounts, it is necessary for Amvoy Wealth to provide access to customer information within the firm and to non-affiliated companies, with whom the firm has entered into agreements with. To provide the utmost service, we disclose the information below regarding clients and former clients, as necessary, to companies to perform certain services on our behalf.

  • Information Amvoy Wealth receives from the client on applications (name, social security number, address, assets, etc.)
  • Information about the client’s transactions with the firm or others (account information, payment history, parties to transactions, etc.)
  • Information concerning investment advisory account transactions.
  • Information about a client’s financial products and services transaction with Amvoy Wealth

Sharing Information with Other Companies Permitted Under Law

Since Amvoy Wealth shares non-public information solely to service client accounts, the firm does not disclose any non-public personal information about the firm’s clients or former clients to anyone, except as permitted by law. However, the firm may also provide customer information outside of the firm as required by law, such as to government entities, consumer reporting agencies or other third parties in response to subpoenas. Additionally, Amvoy Wealth does not jointly market with affiliated or non-affiliated companies.

If Amvoy Wealth has a change to its customer privacy policy that would allow it to disclose non-public information not covered under applicable law, we will allow clients the opportunity to opt out of such disclosure.

Entities with whom Amoy Wealth may share non-public information includes affiliated companies, such as our tax, legal, and insurance affiliates and non-affiliated companies, e.g., custodian. Information is shared so that your account can be opened at the custodian and to enhance our service offering to you by consulting with our tax, legal, and insurance affiliates, as necessary, to provide you with accurate and timely advice on your financial situation. We may also share your non-public information with parties acting at your request and on your account.

How We Protect Your Information

Amvoy Wealth and its affiliates maintain a comprehensive information security program designed to ensure the security and confidentiality of customer information, protect against threats or hazards to the security of such information and prevent unauthorized access. This program includes:

  • Procedures and specifications for administrative, technical, and physical safeguards.
  • Security procedures related to the processing, storage, retention, and disposal of confidential information.
  • Programs to detect, prevent and, when necessary, respond to attacks, intrusions, or unauthorized access to confidential information.
  • Restricting access of customer information to employees who need to know that information to provide products and services to you and appointing specific employees to oversee our information security program.

Children

Our web site is not directed to children under the age of 18 years. By using our website, you represent and warrant that you are at least 18 years old.

We respect the privacy of children and do not knowingly collect or retain personally identifiable information or non-public information from children under the age of 18 through our web site. However, we may process non-public information, on a child’s behalf, with permission from the parent or guardian.

To the extent we have unintentionally collected any non-public information on our website from a person under the age of 18 years old, you may request and obtain removal of this non-public information. To make such a request, please send an email with a detailed description of the specific content or information to the e-mail address below.

Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.

Former Customers

Even if we cease to provide you with financial products or services, our Privacy Policy will continue to apply to you, and we will continue to treat your non-public information with strict confidentiality.

Residents of the European Union (EU)

Residents of Ireland can find Amvoy Wealth’s Irish Privacy Policy Notice by clicking on the Irish Privacy Policy on our website.

Individual State Data Privacy Laws

Some states have passed their own laws regarding data privacy, which have certain rights around Amvoy Wealth’s collection, use, and sharing of their personal information. If you wish to submit an information request, please contact Amvoy Wealth and complete a request.

Changes to this Policy

Amvoy Wealth will provide each client with initial notice of the current Privacy Policy when the client relationship is established. Additionally, Amvoy Wealth may occasionally amend this Privacy Policy at any time. If we decide to use personal information in a manner that is materially different from that stated at the time it was collected, we will notify you of such changes prior to implementing them by posting a revised Privacy Policy with a new “Last Updated” date. Amvoy Wealth shall also provide each client with the current Privacy Policies at least annually.

We encourage you to check our website frequently to see when this Privacy Policy was last revised and to be informed of how we are committed to protecting your information.

Any Questions

If there are any questions regarding this U.S. Privacy Policy Notice, please use the contact Us by phone or email us on [email protected]

AMVOY WEALTH DATA PRIVACY NOTICE

Amvoy Wealth is committed to respecting and protecting your privacy. It is the intention of this privacy statement to explain to you the information practices of Amvoy Wealth in relation to the information we collect about you. 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.

Amvoy Wealth is a Personal Financial Planning firm. Our principal business is to collaborate with our clients to create a Financial Plan to help secure their financial future.

In order to provide our service, we need to use your personal information. This Privacy Notice sets out the bases on which we gather, use, process and disclose any Personal Data we collect about you. Any questions or concerns you have about your data should be addressed to us directly.

This Privacy Notice applies to you, whether you are a current, past, or prospective client.  It also applies to third parties whose data you provide to us in connection with our relationship with you eg. the names of relatives. Please ensure that you provide a copy of this Privacy Notice to any third parties whose personal data you provide to us.

Terms of Use

These Terms and Conditions of Use (the “Terms of Use”) apply to the Amvoy Wealth website located at www.amvoywealth.com. The Site is the property of Amvoy Financial Limited & Skearney Financial Limited and its licensors.

By using the site, you agree to these Terms of use… If you do not agree to these Terms, please do not use the site.

Amvoy Wealth reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. If you comply with these Terms of Use, Amvoy Wealth grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.

Who controls your Personal Data and how can you contact them?

We control your Personal Data to allow us to give you advice and recommendations on your financial affairs, your data is then passed on to the relevant company/companies we have agencies with by way of application forms, by post email or through their secure websites online

Data we may collect about You.

In order for us to give you a recommendation and information on financial products, we need to collect and process personal information about you. If you do not provide the information we need, we may not be able to offer you advice or provide our services to you. The types of personal data that are processed may include:

  • Individual details – Name, address (including proof of address), other contact details (e.g. email and telephone numbers), gender, marital status, date and place of birth, nationality, employer, job title and employment history, and family details, including their relationship to you.
  • Financial detail – full details on any debts, loans assets you may own.
  • Identification details – Identification numbers issued by government bodies or agencies, including your PPS Number, passport number, tax identification number.
  • Special Categories of Personal Data
  • Health information which has additional protection under Data Protection Law. We do not process health information other than hold the information on application forms you have filled in. The Life Insurers process and control your health data to allow them to underwrite your policy or decide decline cover, they may have further information they have obtained with your approval from your doctor, but we are not privy to this information.
  • Claims information – information you give us with regards claims you notify us about or ask for help on.
  • Policy Information – Information about the quotes you receive and policies you take out.

Where We May Collect Your Personal Data From

We collect your personal data from various sources, including but not restricted to; Directly fromyou, Your employer or representative, Life Companies we have agencies with, any other records you have or had any other contracts of insurance with or sought a quote from a us on that is under our agencies, otherwise we will need a letter of authorisation from you to allow us contact other companies on your behalf. When you visit our website and input a request for us to contact you. Which of the above sources apply will depend on your particular circumstances and the service or product you are interested in or your enquiry relates to.

Legal Bases for Processing Your Information

We will only use your Personal Data if:

  • The use is necessary for the performance of a contract to which you are a party or to take steps at your request prior to entering a contract (such as providing a recommendation).
  • The use is necessary to comply with our legal obligations.
  • You have consented to us using your information in such a way.
  • The use is necessary for the purpose of our legitimate interests.
  • The use is necessary for the performance of a task carried out in the public interest, such as assisting a regulatory authority’s investigation of a criminal offense

Purpose of Processing Your Information.

  • To give you information on and provide you with recommended financial products.
  • Disclose data to policyholder, life assured, beneficiary, trustee, assignee, successors, group company or to other parties.
  • To comply with legal and regulatory requirements including Anti-Money Laundering and Sanctions compliance.
  • To understand how people interact with our websites (if applicable).
  • To conduct and determine the effectiveness of advertising, and of marketing campaigns.

Who we share Your Information with

We will only share your information when necessary to provide our services or to comply with legal obligations imposed on us. We may share your information with the following.

  • Pension Trustees, & beneficiaries of Pensions & other Financial Products, Relatives & guardians, (in certain circumstances and within the law)
  • Employers past, present and prospective.
  • Legal, financial, investment, medical, & other professional advisors in the process of submitting your application on the various.
  • Companies we may outsource our printing and posting to.
  • Businesses that refer your business to us.
  • Any business which we are required by law to share the information with.
  • Our Database provider.
  • Stockbrokers we work with.
  • Insurance and Assurance Companies we work with.
  • Investment Companies we work with.
  • An Garda Síochána. (Anti Money Laundering).
  • Central Bank of Ireland.
  • The Financial Services Ombudsman.
  • The Pensions Authority.
  • Data Protection Commissioner.
  • The Revenue Commissioners.

How long do we keep Your Information?

When providing products to you it may be necessary to retain your information for an extended period of time. We keep your information for as long as required by law for the purpose that you gave it to us for.  As a general rule for legal and best practice reasons we are required to keep your information for 6 years after the date on which our relationship with you ends.

Your Rights to Access, Transport, Correct, Delete and Restrict the Use of Your Personal Data

You have the right to access a copy of your Personal Data which we hold on you.  In the case of Personal Data you provided to us to process on the basis of your consent or for automated processing, you have the right to have it provided in a commonly used electronic format to you or to another Data Controller (subject to applicable Data Protection Law).  If you would like a copy of your Personal Data, please contact us. Your request will be dealt with as quickly as possible and in any
event within a month for us to respond. If at that stage we are unable to provide the data you require (due to the complexity or number of requests) we may extend the period to provide the data by a further two months but shall explain the reason why. There is no charge for the request for your data, but it must be in writing, fax, email or text message.

Correcting Your Personal Data

You have the right to have your Personal Data corrected if you feel we have incorrect data held on you.

Deleting Your Personal Data

Subject to any overriding legal obligation requiring us to retain it, you have the right to have your Personal Data deleted, however erasing your information may make it difficult or impossible for us to give you information on, provide you with, or administer our financial products. If you want your information deleted, please contact us.

Restricting our use of your Personal Data

You have the right to restrict our use of your Personal Data in certain circumstances. If you wish to exercise your rights in this regard, please contact us.

Automated/Profiling Decision Making

Where we use automated decision-making you will always be informed & you will be entitled to have a person review the decision so that you can contest it and put your point of view and circumstances forward. e.g when we produce quotes for the business you are contacting us about. When we want to market to you, we may run a program which allows us to identify certain criteria of clients (all those with that fit within a certain criteria for example).

Your Right to Object and Withdraw your Consent to Data Processing

Where our lawful basis for processing your Personal Data is based on our legitimate interests, you have the right to object. You also have the right to withdraw your consent to any processing at any time. However, if we cannot process your data, it may make it difficult, impossible or unlawful for us to give you information on, provide you with, advice on financial products. If you want to object or withdraw your Consent to processing, please contact us.

Your Right to Make a Complaint

you are dissatisfied about the way we handle your Personal Data please contact us directly on i[email protected] We will do our best to address your concerns swiftly and resolve any issues you have.

If you are dissatisfied with how we handle your concerns you have the right to complain to

The Office of The Data Protection Commission
Canal House, Station Road, Portarlington, Co. Laois
Tel.: +353 (0)761 104 800.
Fax: +353 57 868 4757.
e-mail: [email protected]