Consultation enquiries
When you contact us, we may receive:
- Your name and contact details
- The subject of your enquiry and the information you choose to include
- Records of our replies and any appointment arrangements
Privacy and personal information
Privacy Policy
Pension advice can involve personal contact details and detailed financial information. Mark's Pensions uses information only where it is needed to respond to you, provide advice or meet legal and regulatory duties. This policy is written to be read, not skimmed.
What comes into our care
Information We Collect
The information we hold depends on how you contact us and whether you become a client. Please share only what is relevant to your enquiry at first contact.
Advice and financial details
If you ask us to provide pension advice, we may need details relevant to that work, including:
- Pension arrangements, income, assets and liabilities
- Your objectives, time horizon and capacity for loss
- Other financial details needed to assess suitability
Client portal access
Portal use may create account and security records, such as your account identifier, sign-in events and technical details used to protect access.
Keep your sign-in details private and contact us if you suspect unauthorised access.
Website and communications
We may receive basic technical information about visits to this site, such as browser and device details, pages viewed and cookie choices. The information collected depends on your settings.
We also keep relevant records of communications with you.
Purpose, duration and access
How We Use, Store and Share Information
We match each use of personal information to a clear purpose and a lawful basis under Irish and EU data protection law.
Why we use it
We use enquiry details to reply, arrange a consultation and decide whether we can take the matter forward. Where you ask us to provide advice, we use relevant financial details to understand your circumstances and prepare our work.
Depending on the purpose, the lawful basis may be steps requested before entering a contract, performing a contract, meeting a legal obligation, our legitimate interests or your consent. We rely on consent where the law requires it, including for non-essential cookies.
How long we keep it
We keep information only for as long as it is needed for the purpose it was collected, including any applicable legal, regulatory or record-keeping duties.
Enquiry records that do not lead to an advice relationship are reviewed and removed when they are no longer needed. Client advice records are kept according to the obligations that apply to the work. Security and analytics records are retained only for their relevant operational or measurement purpose.
There is no single retention period for every record.
Who may receive it
We may use service providers for secure hosting, communications, client portal access, record keeping and website measurement. They receive only the information needed to provide their service and must protect it under appropriate terms.
We may also disclose information where law or regulation requires it. We do not sell personal information. If a service involves a transfer outside the European Economic Area, we use an appropriate transfer mechanism where required by data protection law.
Your choices and protections
Your Rights Under Data Protection Law
Your rights depend on the reason we hold the information and the legal basis for using it. Select a right to see what it means in practice.
Access your information
You can ask whether we hold personal information about you and request a copy, along with details about how it is used.
Correct inaccurate details
Tell us which information is wrong or incomplete. We will review it and correct it where appropriate.
Request deletion
You can ask us to erase information in certain circumstances. We may need to retain some records to meet legal or regulatory duties.
Restrict or object to use
You may ask us to limit processing in certain circumstances or object where we rely on legitimate interests. We will assess the request and explain the outcome.
Withdraw consent
If we rely on your consent, you can withdraw it at any time. Withdrawal does not affect processing that took place before you changed your choice.
Ask about data portability
Where the right applies, you can request certain information in a commonly used, machine-readable format or ask us to send it to another organisation.
Website controls and direct contact
Cookies, Security and Contact
Cookie choices affect optional measurement. Questions about your personal information can go straight to our privacy contact.
Privacy contact
Contact Mark's Pensions about a data request, an enquiry about this policy or a concern about the use of your information.
Greystones, Co. Wicklow, Ireland
Cookies and preferences
Essential cookies may be needed for core site functions and security. Optional analytics cookies help us understand site use and should be used only with your consent where required.
How to manage cookie choices
Use the site's cookie preference controls where they are provided. You can also change or remove cookies through your browser settings. Blocking essential cookies may affect some site functions.
Security and suspected breaches
We use access controls and secure transmission to help protect personal information. No online service can promise absolute security.
If you suspect your information or portal access has been compromised, contact us promptly by phone or email. We will assess the report, take appropriate steps and notify affected people and the supervisory authority where the law requires it.
Where a breach must be reported to the authority, the applicable deadline is generally 72 hours after we become aware of it.
We may update this policy when our practices or legal obligations change. The published version explains how information is handled from its effective date. If a change materially affects how we use information already held, we will take steps to communicate it where required.