This is the Privacy Statement of FDC Financial Services Ltd. In this statement we use the terms “we,” “our” and “us” to refer to FDC Financial Services Ltd.

FDC Financial Services Ltd. is a multi-disciplined financial services provider. Our principal business is to provide advice and arrange transactions on behalf of clients in relation to life insurance & protection products, retirement planning, savings & investment products.

The purpose of this Privacy Statement is to outline our position concerning the collection, use, retention, disclosure, and transfer of personal data which is gathered and processed by us. This Privacy Statement also sets out our information management practices.

At FDC Financial Services Ltd. we respect the privacy of all those individuals whose personal data we encounter, which includes the following:

  1. All users of this website, social media, or apps;
  2. Employees and contractors (including applicants for employment with FDC Financial Services Ltd);
  3. All members (including former employees) of FDC Financial Services Ltd. on sponsored pension schemes;
  4. Business contacts and suppliers;
  5. Customers and their employees;
  6. All clients / prospective clients

For each of these categories of individuals, this Privacy Statement will explain why we collect and how we use the personal data we collect. We will ensure that it keeps all personal data provided to it in accordance with our obligations under applicable data protection laws. We may update this Privacy Statement from time to time to reflect any material changes in technology, legislation or the data use practices which may materially affect the way in which we process personal data.

This is not an exhaustive statement of all our data protection practices and we may apply specific policies within certain environments. We might include a separate privacy notice at the point of capturing data on a new service and any specific consents obtained or information provided in this way will apply specifically to that service and will supplement this Statement.

  1. What is Personal Data?

Personal data is any information relating to a living individual that allows for the identification of that individual. Personal data can include a name, address, contact details, an identification number, IP address, access cards, fobs, audio-visual or audio recordings of a person, details about an individual’s location or any other detail(s) specific to that individual such in certain cases special category data.

Who we are and how to contact us?

Where FDC Financial Services Ltd. controls personal data by deciding why and how that personal data is processed, we will be a “Data Controller”. Any entity that processes personal data controlled by us and does so on behalf of FDC Financial Services Ltd., is a “Data Processor”. Data Processors may include third party service providers engaged by us (for example communications providers, payroll, or recruitment agencies). As required by applicable data protection law, when we appoint a Data Processor, we will ensure that appropriate contractual protections are in place.

There may be circumstances where FDC Financial Services Ltd. will operate under the instruction of a Data Controller, and as such it will be the privacy statement of such Data Controller that will govern the collection, use and processing of personal data. We will comply with all Art 28 obligations set out by the Data Controller when acting in the capacity of a Data Processor on their behalf. These obligations will be agreed in the format of a contractual agreement with the Data Controller.

Where decisions regarding the processing of personal data are co-agreed with a third Data Controller, decisions will be agreed in the format of a contractual arrangement with the Data Controller.

If you have any questions about this data protection statement, including any request to exercise your legal rights, please contact us by writing to our Designated Privacy Representative, Niamh Stone, FDC House, Wellington Road, Cork, Ireland or via email gdprqueries@fdc.ie

 

  1. Categories of personal data and how we use it. 

 

These sections of the Privacy Statement set out the type of personal data collected by us, the purposes for which such personal data is collected and processed and the lawful justifications for such processing in the context of the FDC Website.

We may collect, store, use, and share aggregate data such as statistical or demographic data. Aggregate data is information gathered and expressed in a summary form for purposes such as statistical or demographic analysis.

Aggregate data may be derived from your personal data but is not data that directly or indirectly reveals your identity. For example, we may aggregate your usage data of our website to calculate the percentage of users accessing a specific website feature. However, if we combine or connect aggregate data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this data protection statement.

We temporarily store IP addresses of visitors to our website for associated performance metrics (i.e., data related to how well our software performs on our site) and to monitor and track application errors. Please note we will never access IP addresses without any operational or security need.

In the context of our website, we do not collect special categories of personal data about you (which include details about your race or ethnicity, religious or philosophical beliefs, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data. Nor do we collect any information about criminal convictions and offences. If it is necessary to collect special categories of personal information and/or criminal conviction information, we will only do so with your explicit consent and we will explain the purpose for which the information will be used at the point when we ask for your consent.

 

  1. How do we obtain your information?

 

We may collect your information though our website or social media platforms where you provide it to us, such as filling out forms, requests such as a brochure or contact us communication. We may also collect and store data available to us through our social media platforms, such as age, geo location, gender, interests, page likes. We may also collect information from you via in person meetings or at events such as at conferences etc.

FDC Financial Services Ltd. is not responsible for the privacy practices of any external websites or platforms which may be accessed or used in connection with a person’s use of this website or FDC social media pages. They are subject to their own privacy statements which may materially differ from those of FDC Financial Services Ltd. so users should review them for further information.

 

  1. What Personal Data does FDC collect and use online?

FDC Financial Services Ltd. collects various types of personal data when a person uses this website or FDC social media. The following are examples of Personal Data collected by us:

  1. Social media: Content such as messages and photographs, which are posted on social media pages (LinkedIn, Instagram, Facebook) on which FDC has a presence and may be made publicly available and may be used in connection with the operation and promotion of our social media pages, services, and this website. Data such as the name of your internet service provider, the website you visited us from, the parts of our site that you have visited, the date and duration of your visit, and information from the device (e.g. device type, operating system, screen resolution, language, country location, and web browser type) used during your visit. We may process this usage Data to facilitate access to our website (e.g., to adjust our website to the devices that are used).
  2. This website uses cookies, web beacons, device identifiers, social plugins, tracking pixels, etc. “Cookies” are small pieces of information stored by your internet browser that collect data such as your browser type, your operating system, web pages visited, time of visits, content viewed, advertisements viewed, and other click stream data. We use cookies to help us tailor our websites and communications to your needs, to deliver a better, more personalised service and to remember certain choices you have made so you do not have to re-enter them. Cookies also enable us to identify traffic to our website including pages visited, visitor numbers and traffic paths taken. We may record which users opened and clicked any embedded links in communications sent by us to measure a campaign or a specific communications effectiveness. FDC does not deploy unnecessary cookies, such as analytics, marketing, targeting, tracking, or profiling cookies without consent.
  3. We may use advertising networks to help present advertisements or other content on our website and other websites that display FDC Financial Services Ltd. advertisements. Advertising networks use cookies, web beacons, or similar technologies on your computer or mobile or other device to serve you advertisements or content tailored to interests you have shown by building a profile of your internet browsing on this website and other websites you have visited.
  4. If content is posted that is deemed to be in breach of this Privacy Statement or the policies operated by such websites or social media platforms, such content may be removed by or at the request of FDC Financial Services Ltd. or the operators of those social media websites. If such inappropriate content is posted to a social media page that FDC controls, you can report it at the following address gdprqueries@fdc.ie and FDC will endeavour to ensure that appropriate action is taken in accordance with the FDC policies and the policies of the relevant social media platforms.

  1. The purpose and legal basis for processing your information.

 

FDC collects and processes the personal data described below for a variety of purposes. As required by data protection laws, below is a summary of these purposes and the lawful justifications that support them:

a) To enter into and fulfil a contract with you

We may process your information in order to enter into a contract with you or to provide you with a service which you have requested from us. For example, we need to process your personal information to enable you to avail of a Financial Services product, to provide payroll and accounting service or to provide you with a brochure or information about a product or service where you have requested it.

b) To comply with our legal obligations

We are required to process your personal information to comply with certain legal and regulatory obligations to which we are subject. For example, we are required to obtain certain records in accordance with central bank obligations, Anti-Money Laundering Law, company, and revenue law which may include your personal information.

c) For our legitimate business interests

We may use your personal information for the purposes of carrying out activities that are in our legitimate interests (or those of a third party). Where we process your information for our legitimate interests, we ensure that there is a fair balance between our legitimate interest and your fundamental rights and freedoms.

If you are a customer of FDC Financial Services Ltd., and only if you have opted-in to receive marketing communications, we may use your information to send you communications via email, post, SMS, or telephone on products and services that may interest you and that you would reasonably expect to receive.

When you apply for a role in FDC Financial Services Ltd., we will process your data for the purposes of considering your application and your suitability to a role.

We may use your personal information to manage our everyday business needs, including accounting, internal reporting needs, and market research, to progress and respond to legal claims, to ensure appropriate IT security and to prevent fraud. Our legitimate interest is the effective management of our business.

We may use your personal information to send you notifications or reminders of appointments with our advisors or documentation return deadlines, to provide customer care and to remind customers of actions that may need to be taken in relation to a new or existing product/service. Our legitimate interest is connecting with our customers and keeping them notified of important events.

We may use your personal information in an aggregate form to classify our customers and to acquire an aggregated overview of our customer base in our legitimate interest. Such processing does not assess individual characteristics. Our legitimate interest is to grow our business, understand our customer base and provide products and services of interest to our customer base.

We may use your information which we collect, including personal information we obtain from publicly available sources such as social media, public directories etc. to help us understand our customers and provide products or services which may be of interest to you, in our legitimate interest. You have the right to object to this at any time by contacting us on gdprqueries@fdc.ie

If you are a business contact, we may acquire your contact data from reputable marketing agencies, which may include your personal data with the intention to provide you with information on products or services which may be of interest to you, in our legitimate interest. We will notify you of any such acquisition and you have the right to object to this at any time by contacting us on gdprqueries@fdc.ie

We may also contact you in the event of updates about our business such as opening hours, change of address, updates about our sites etc. We do this in our legitimate interest to keep our customers up-to-updated of changes within our organisation.

We may provide your personal information from contact forms collected via our websites to other FDC entities which are listed below. We do this in our legitimate interest to keep our customers supported by directing their requests to their preferred service. You have the right to object to this at any time by contacting us on gdprqueries@fdc.ie

  • FDC Accountants-Tax Consultants Ltd
  • FDC and Associates Ltd
  • FDC (Tax Department) Ltd
  • FDC Accountants-Tax Consultants (Southwestern Region) Ltd
  • FDC Accountants-Tax Consultants (Southeastern Region) Ltd
  • FDC Accountants-Tax Consultants (Western Region) Ltd
  • FDC Accountants-Tax Consultants (Midlands Region) Ltd
  • FDC Accountants-Tax Consultants (Southern Region) Ltd

d) With your consent

We rely on your consent to send direct marketing to you. We will ensure that we present this to you concisely. We will also ensure that we use clear and plain language and if you give us your consent you can withdraw this easily at any time.

Where we utilise profiling to understand our customers’ specific interests, we will request your consent.

When you apply for a role within FDC Financial Services Ltd and subscribe to FDC Financial Services Ltd job notifications and Candidate Talent Register we will request your consent to retain and process your data for this purpose. For full details on how FDC Financial Services Ltd will process your data when you apply for a role, please see our Candidate Privacy Statement.

When you apply to participate in a FDC Training initiative, we may use imagery or video applications submitted to assess your application.

There may be instances when providing you with a service we may need to collect and process special category data (this may include details about your race or ethnicity, religious or philosophical beliefs, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). If we are required to process such data, we will request your consent to do so.

e) To protect your vital interests

We will in certain circumstances use your personal information to protect your vital interests or the interests of another.

Below is a summary of these purposes and the lawful justifications that support them:

Purpose Description Lawful Basis for Processing
Purchasing a FDC Financial Services Ltd. service We will process your personal data to provide you with the service you requested The processing is necessary in order to take steps at the request of the data subject prior to entering into a contract to which the data subject is party.
Financial Services Product/Service We may assist you in obtaining a Financial Services product or service.
We may seek your consent to share your data for the purpose of reviewing your credit profile when making an application for a financial product		 The processing is necessary in order to take steps at the request of the data subject prior to entering into a contract to which the data subject is party.
The Data Subject has provided consent for the processing.
Notifications and Reminders TWe may use your personal data to remind you of an appointment scheduled with one of our financial consultants or to notify you of documentation deadlines, and to notify you of any changes to our service We rely on our legitimate interest to connect with our customers.
Marketing to Clients We rely on your explicit consent to send direct marketing to you. We will ensure that we present this to you concisely. We will also ensure that we use clear and plain language and if you give us your consent you can withdraw this easily at any time. The Data Subject has provided consent for the processing
Profiling We may use your personal data that you have provided for profiling purposes which enables us to direct specific products and services that may be of interest to you.
We may also complete profiling through automated decision making which will assist is in establishing affordability and to enable us to provide quotations for Financial Services products To establish a customer’s attitude to investment risk. The customer completes a risk questionnaire which calculates the customer’s attitude to various levels of risk having answered a series of questions.This profile is then taken into consideration when recommending products/funds etc.		 The Data Subject has provided consent for the processing.
Quality Improvement / Staff Training All, written communications, and digital communications received through the web are stored by us The processing is in our legitimate interests in providing a high standard of services to our customers, by assessing the ongoing development and identifying areas for improvement
Legal obligation / Regulatory Requirements We may use your personal information to comply with various legal obligations to which we are subject including managing our Revenue obligations; meeting our regulatory obligations under the Central Bank of Ireland such as;

  • We may use your personal data to comply with anti-money -laundering regulations
  • Screening of all customers against Financial Sanctions and Politically Exposed Persons (PEPs) Lists
  • Knowing your customer (Fact Finding)
  • Adherence to Consumer Protection Code
 The processing is necessary for compliance with a legal obligation to which the controller is subject
Dealing with sales and other enquiries To respond to correspondence, you send to us and fulfil the requests you make to us (for example further information on FDC services or brochure requests. To takes steps prior to the entry into a contract with you and for our Legitimate Business Interests
To understand our customer base We may use your personal information on an aggregate basis for market research purposes to help us understand our customer base We rely on our legitimate interest to understand our customer base.
Business needs We may use your personal information to manage our everyday business needs, including accounting, sharing your information within our company group for administrative purposes, and to prevent fraud. We rely on our legitimate interest in the effective management of our business
Processing of FDC Employee Data & Candidate Data Employee data is processed for the following reasons: Payroll, appraisal, and review, monitoring of adherence to FDC policy, employee welfare and health and safety in the workplace employee pension, prospective employee and recruitment, compliance with statutory obligations.
When you apply for a role in FDC we will process your data for this purpose only. We may also seek your consent to retain your personal data in our Candidate Talent Register and for the provision of notices regarding upcoming roles within FDC. Your data may also be processed to conduct surveys to improve our Recruitment process.
FDC Financial Consultant Training Academy personal data submitted will be processed with consent where video applications are submitted.		 We rely on the following purposes:

  • (a) Necessary to comply with a legal obligation (to comply with employment law)
  • (b) The processing is necessary in order to take steps at the request of the data subject prior to entering into a contract to which the data subject is party.
  • (c) Where the Data Subject has provided consent
  • (d) Where necessary for our Legitimate Business Interests
  • (e) Necessary in order to protect the vital interests of the data subject or of another natural person
  • (f) Necessary for the purpose of establishing, exercising or defending a legal claim
Website Security To administer and protect our business and FDC website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)
  • (a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganization or group restructuring exercise)
  • (b) Necessary to comply with a legal obligation
Website analytics To use data analytics to improve our website, products/services, marketing, customer relationships and experiences With your consent where your data has been collected through our website. We use the data to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and marketing strategy
Claims data We collect medical information from you and third parties to assist with the claims process with your consent The processing of your claims data is in our legitimate interests to fulfil our service obligations
Handling complaints If we receive a complaint from you regarding a FDC Financial Services Ltd product or service, we will use your information to investigate the complaint and to provide you with a fair and sufficient outcome to your complaint The processing of your complaint is in our legitimate interests to fulfil our regulatory obligations

  1. Who do we share information with?

    2. Third party service providers

    FDC Financial Services Ltd. discloses personal data to third parties in certain instances. For example, we use third party service providers for the processing of personal data for several purposes, including, consultants, advisors, I.T. service providers, printers, debt collection agencies, valuers, marketing companies who conduct marketing campaigns, market research and providers of security and administrative services. These service providers are subject to a contractual obligation to only process personal data obtained from us for purposes to which it was obtained and in accordance with our instructions.
    We will not provide your personal data to third parties who may contact you for direct marketing or promotional purposes.

    In certain circumstances we may disclose personal data to other external third parties such as our professional advisors as necessary in the context of the performance of their services. Such recipients may include external legal advisors, external auditors, actuaries, loss-adjusters & claims investigators, pension and tax advisors, pension administrators, vetting and risk management agencies, and other professional advisors.

    Disclosure of such data will take place for a variety of reasons including in order to ensure that we meet our tax and other statutory obligations.
    We may also disclose personal data to our insurance providers in connection with legal claims and prospective legal claims or proceedings. 

    FDC Group entities: We may convert your information, such as information you provide into statistical or aggregate data in such a way as to ensure that you are not identified or indefinable from it. We may also provide your personal data onto other FDC Group entities with your consent or as requested by you for fulfilment of a service request or to meet contractual obligations.

    Insurance Partners: We may disclose personal data to our insurance providers in connection with legal claims and prospective legal claims or proceedings. We may share your personal data where we need to manage the services provided to you such as Product Providers and insurance underwriters, reinsurers, and loss adjusters. Please refer to their privacy statements on their website for more information about their privacy practices.

    Medical professionals:We may disclose your personal data where you provide health information in connection with a claim against your insurance policy or when we are providing a quote for insurance.

    Garda Síochána, Government or Quasi-Government Bodies, Courts, and Tribunals: We may share your personal information with these organisations and bodies, where required to do so by law.

    Here is the link to our controller privacy policies: https://www.fdc.ie/controller-privacy-policies/

    1. What type of information is collected?

    As a multi-disciplined financial service provider, we need to collect various categories of personal data (about you and other parties) for the purposes set out in this Privacy Statement.

     The following table is a non-exhaustive list and provides an indication of the categories and types of personal data we use to perform our duties.

    Purpose Type of Data
    Sale of Services Full Name, Contact Details, Bank Details, Gender, SMS communications
    Customer Care Full Name, Contact Details, SMS communications
    Financial Details Full Names, Email Address, I.P, Contact Details, PPSN, Bank Details, Date of Birth, Home address, Marital Status, Image of Data Subject, Gender, Income & Occupation details, employment benefits, employment history, credit history, tax status, Financial Portfolio details, health status and history.
    Payroll Full Names, Email Address, I.P, Contact Details, PPSN, Bank Details, Date of Birth (Pension Purposes), Home address
    Marketing We will only send you direct marketing if you explicitly consent
    Security I.P Address
    IT Information Full Names, Mobile Phone Number (MFA), I.P Address, cookies, cookie preference, device details
    FDC Financial Services Ltd Employees Full Name, Home address, Email Address, I.P, Contact Details, PPSN, Bank Details, Date of Birth/Birth Cert (Pension Purposes), Next of Kin, Vehicle details, Membership of a Trade Union, Health Data, Employment History, Educational History, Image of Data Subject, criminal history
    Recruitment & Training Candidate Full Name, Home Address, Email Address, Contact Details, Date of Birth, Educational History, Employment History, Images (from video/photograph) Voice (from video)
    Unique Identifiers PPSN, pension scheme reference number, insurance policy numbers
    Demographic Details Age, gender, marital status, lifestyle, and insurance requirements; date of birth, dependents, photo ID, as well as collecting personal information about you, we may also use personal information about other people, for example family members you wish to insure on a policy. E.g., your children/spouse
    Family & Beneficiary Data Dependants, next of kin or nominated beneficiaries, Power of Attorney, Enduring Power of Attorney. Details of Solicitor/Tax Advisor/Accountant.
    Publicly available sources Information about you in the public domain such as Director information from the Companies Registration Office
    Health information Information about your health status, medical records and medical assessment outcomes; We collect medical information relating to personal habits (e.g., smoking and consumption of alcohol), medical history. We may also process certain special categories of information, for example information about your personal characteristics (biometric information) or disability information.
    Pensions and Insurance Benefits information Current benefits, pension entitlement information, date of retirement and any relevant matters impacting your benefits such as voluntary contributions, PAO
    Claims Data We collect medical information from you and third parties to assist with the claims process with your consent
    Searches We undertake searches in relation to sanctions, money laundering and credit checks. E.g. PEP check, EU Sanctions check, AML checks.

    Other Information We Collect

    Appointment Preferences If you use the Calendly plug-in on our website, we collect data pertaining to your appointment preferences and availability, such as advice required, age, employment status, income, email address, and phone number
    Calculators & AI Chatbots We intend to develop calculators and AI Chatbots on the FDC Financial Services Ltd website in the future. Our Privacy Notice will be updated accordingly with the updated version made available on our website.

    1. Storage Periods

    The period for which we will keep your personal information will depend on the service you have requested from us. The retention period may be longer than the period for which we are providing services to you where, for example, we have a legitimate interest in retaining such information that is not outweighed by your fundamental rights and freedoms, or where we have statutory or regulatory obligations to retain personal information for a longer period, or where we may need to retain the information in the event of a legal claim.

    We endeavour to ensure that personal data is retained for an appropriate period and no longer than necessary. Retention of data is detailed in our Data Retention Policy.

    1. Transfers outside the European Economic Area

    We may transfer, store, or process your personal information to countries outside the European Economic Area. Where the laws of such countries do not afford an equivalent level of protection of personal information as the laws of Ireland, we take specific steps in accordance with data protection law to protect your personal information.

    We will use one of these safeguards:

    • Transfer to a non-EEA country with privacy laws that give the same protection as the EEA.
    • Put in place a contract (in a form that is approved by the European Commission) with the recipient of the personal information that means they must protect it to the same standards as the EEA.
    • Transfers to organisations that are part of an EU Framework that sets privacy standards for data sent between countries. These frameworks make sure those standards are similar to what is used within the EEA.

    1. How we use automated processing

    We may analyse your personal information by automated means for the purposes of market research, analysing our customer database and for our marketing activities. You have the right to object to this at any time by emailing gdprqueries@fdc.ie

    1. Marketing communications

    We will only send you direct marketing if you explicitly consent to receive marketing communications.
    We will not provide any personal information to third parties or partners for direct marketing purposes.

    1. If you fail to provide personal data

    Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with access to Financial Services Product). In this case, we may have to cancel a service you have with us, but we will notify you if this is the case at the time.

    1. Information Security

    In accordance with applicable laws, FDC Financial Services Ltd. ensures that all personal data controlled by FDC Financial Services Ltd. is held securely using appropriate security measures including the following:

    • Physical measures such as locked filing cabinets and offices containing personal data;
    • IT security systems
    • Restricted access to personal data subject to approvals;
    • Time limits on retention of personal data;
    • Provision of targeted data protection training to employees, contractors and other staff who have access to and process personal data;
    • Password restrictions on access to personal data; and technical measures including:
      1. Encryption on FDC Financial Services Ltd. laptops/portable devices; and
      2. Logging mechanisms to record certain access to personal data and alteration and other processing of personal data.
      3. Secure email services using state of the art encryption technology.

    In the event of a personal data breach, we will comply with applicable reporting and notification obligations under data protection law. FDC Financial Services Ltd. has in place a Breach Notification Policy and Security Policy.

    1. Your Rights

    In certain circumstances, you have the following rights under data protection law in relation to your personal data:

    A right to access personal data held by FDC Financial Services Ltd.

    • Any individual has a right to make an access request, in writing, under data protection law for a copy of their personal data held by FDC Financial Services Ltd. We may ask for further identification details to confirm your identity before the relevant information is provided.
    • It should be noted that there may be specific exemptions relating to accessing personal data If we utilise any of the exemptions, we will provide you with details and our justification for their use.
    • Where FDC Financial Services Ltd. acts in the capacity of a Processor, we will notify you of same and will also notify the Controller of your request.

    Other data protection rights

    • Rectification of inaccurate personal data
    • Erasure of personal data (also known as the “right to be forgotten”);
    • Restriction of processing of persona data
    • Right to data portability;
    • Right to object to processing of personal data

    However, under data protection law, these rights are available only in certain circumstances. If you wish to exercise any of your data protection rights, please contact gdprqueries@fdc.ie or by us using the contact details below. We will endeavour to respond to your request within a month. If we are unable to deal

    with your request within a month, we may extend this period by a further period of two months, and we will explain why. Please provide as much detail as possible to enable us to respond to your request and to locate relevant personal data about you.

    In the event of a personal data breach, we will comply with applicable reporting and notification obligations under data protection law. FDC Financial Services Ltd. has in place a Breach Notification Policy and Security Policy.

    By Post: Niamh Stone, FDC House, Wellington Road, Cork, Ireland

    By Email: gdprqueries@fdc.ie

    By Phone: +353 (0) 21 4509022

    You also have the right to lodge a complaint to the Office of the Data Protection Commission. For further information please see www.dataprotection.ie.

    1. Updates

    This policy [“version 2”] was updated and deemed effective on the 15th July 2025. We will update this data protection statement from time to time. Any updates will be made available on our website at https://www.fdc.ie/privacy-policy/ and, we would ask that you check regularly.