Curran Futures is committed to protecting your personal information and respecting your privacy. This Privacy Notice explains how we collect, use, disclose, and safeguard your data, in line with the General Data Protection Regulation (GDPR) and Irish Data Protection Law.
What This Notice Covers
This Privacy Notice is for clients, visitors, and anyone interacting with our services. It explains:
- What personal data we collect
- Why and how we use it
- The legal basis for processing
- Who we share it with
- How long we keep it
- Your rights and how to exercise them
- Who to contact with questions or complaints
Introduction
Our principal business is to provide financial planning, wealth management, and retirement advice to individuals and businesses and arrange transactions on behalf of clients in relation to Life, Pensions and Investments. We provide our services from the selection of products provided by the Companies we have agencies with. We recommend the product that, in our professional opinion, is best suited to you. In providing this service to you we will need to obtain personal information from you. The following outlines how we deal with this information and how it is used. This Privacy Notice sets out the bases on which we gather, use, process and disclose any Personal Data we collect about you, or that you provide to us. 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 (for example, the names of relatives).
Who Controls Your Personal Data
We control your Personal Data to allow us to give you advice and recommendations on your financial affairs, your data is then passed onto 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 advice 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 – details on any debts, loans, or assets you may own. Salary and bank details such as IBANs and branch location.
- Identification details - Identification numbers issued by government bodies or agencies, including your PPS number, passport number, tax identification number.
- 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
Where We May Collect Your Personal Data From
We may collect your personal data from various sources, including.
- Voluntarily from You.
- Your employer or representative.
- Life Companies we have agencies with.
- The Life Insurers process and control your health data to allow them to underwrite your policy or decide to decline cover. They may have further information they have obtained with your approval from your doctor, but we are not have access to this information.
- If you have or had any other contracts of insurance that is not under our agencies.
- In this instance, we will need a letter of authorisation from you to allow us to contact other companies on your behalf.
- Voluntarily when you visit our website or social media channels and input a request for contact
- Claims information you give us with regards claims you notify us about or ask for help on.
- Policy Information about the quotes you receive and policies you take out.
Which of the above sources apply will depend on your particular circumstances and the product or service you are interested in, or your enquiry relates to.
Legal Basis for Processing Your Information
We will only use your Personal Data for lawful reasons. These are:
- 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 offence.
The Purpose of Processing Your Information
- To give you advice and provide you with information on 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 carry out and determine the effectiveness of advertising, and of marketing campaigns.
Who We Share Your Information With
To provide our services and to comply with legal obligations imposed on us, we may share your information with:
- 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 your product application as applicable
- Companies we may outsource some of our services to
- Database providers
- The Pensions Authority.
- Stockbrokers we have agencies with.
- Insurance and Assurance companies we have agencies with.
- Investment Companies we have agencies with.
- An Garda Síochána. (Anti Money Laundering)
- Central Bank of Ireland. We are authorised by the Central Bank, and they have the right to inspect our files.
- The Financial Services Ombudsman. In the event of a complaint.
- Data Protection Commissioner.
How Long Do We Keep Your Information
- We keep your information for as long as required by law for the purpose that you gave it to us for. As a 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.
- Longer where required (e.g. long-term insurance)
Your Rights to Access, 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 for you. In the case of Personal Data, you provided to us to process based on 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 or email
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.
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.
Marketing and Cookies
If you subscribe to our newsletter or complete a website form, we may use your information to share relevant updates. You can unsubscribe at any time.
Our website uses cookies and tools like Google Analytics to enhance your experience. See our Cookie Policy for more.
Your Right to Make a Complaint
If you are dissatisfied about the way we handle your Personal Data please contact us. We will do our best to address your concerns swiftly and resolve any issues you have.
All complaints should be sent for the attention of Complaints Dept, Curran Futures, 21 Mary St, Galway or e-mail team@curranfutures.ie.
You have the right to refer your complaint to The Office of The Data Protection Commission, 21 Fitzwilliam Square South, Dublin 2 D02 RD28. www.dataprotection.ie Tel.: +353(01)765 0100
Privacy Notice Changes
Curran Futures may update 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’re aware of any changes.
Contact Us
Your privacy is important to us. If you have any comments or questions regarding this notice, please contact us:
- Ross Curran Financial Services Ltd t/a Curran Futures
- 21 Mary Street, Galway, H91 CC65
- Regulated by the Central Bank of Ireland (Ref: C475023)
- Email: team@curranfutures.ie
- Phone: 091 861001
- Website: www.curranfutures.ie
Our data protection representative can be contacted at karen@curranfutures.ie.
Updates
This privacy policy was last reviewed in June 2025