PRIVACY NOTICE
Life Insurance Made Simple Ltd
Tied Agent of EUI Private Wealth
1. Introduction
Life Insurance Made Simple Ltd (“we”, “us”, “our”, or “the firm”) is committed to protecting your personal data and respecting your privacy.
This Privacy Notice explains:
- What personal data we collect
- How and why we use it
- The legal basis for processing
- Who we share it with
- How long we keep it
- Your rights under data protection law
This notice is provided in accordance with the General Data Protection Regulation (GDPR) and the Data Protection Act 2018.
2. Who We Are
Life Insurance Made Simple Ltd is a Tied Agent of EUI Private Wealth, which is authorised and regulated by the Central Bank of Ireland under the European Union (Insurance Distribution) Regulations 2018.
For data protection purposes, Life Insurance Made Simple Ltd acts as a Data Controller in relation to your personal data.
3. Personal Data We Collect
We may collect and process the following categories of personal data:
a) Identification & Contact Information
- Name
- Address
- Email address
- Telephone number
b) Personal & Financial Information
- Date of birth
- Employment details
- Financial information relevant to insurance needs
c) Health & Special Category Data
- Medical and health information (where required for underwriting)
- Lifestyle information (e.g. smoker status)
This information is classified as special category data and receives enhanced protection.
d) Communication Data
- Emails
- Telephone call notes
- Online enquiry submissions
4. How We Collect Your Data
We collect personal data:
- Directly from you
- From emails, online forms, and electronic communications
- Through discussions with you
- From insurers during underwriting and policy administration
5. Purposes for Processing Your Data
We process your personal data to:
- Provide insurance advice and recommendations
- Assess suitability and eligibility
- Arrange, administer, and review insurance policies
- Communicate with you regarding enquiries, applications, and policies
- Meet legal, regulatory, and supervisory obligations
- Handle complaints and queries
6. Legal Basis for Processing
We process your personal data under the following legal bases:
a) Contractual Necessity
To provide insurance advice and arrange policies at your request.
b) Legal Obligation
To comply with regulatory requirements, including those imposed by the Central Bank of Ireland.
c) Legitimate Interests
To manage our business effectively, provided these interests do not override your rights.
d) Explicit Consent (Where Required)
For processing health and medical information or where otherwise required by law.
You may withdraw consent at any time where processing is based on consent.
7. Use of Technology, Automation and AI
We use secure digital systems to support the efficient administration of our services.
This may include:
- Processing electronic communications
- Extracting factual information from emails or enquiries
- Creating and maintaining client records
- Managing follow-up communications and workflows
We may use industry-standard platforms, including HubSpot and Zapier, to support these activities.
These systems are used for administrative and operational purposes only.
All insurance advice, suitability assessments, and recommendations are subject to meaningful human oversight.
We do not engage in fully automated decision-making that produces legal or similarly significant effects in relation to clients.
8. Data Sharing and Recipients
We may share your personal data with:
- EUI Private Wealth
- Life insurance providers (for underwriting and policy administration)
- Third-party service providers acting as data processors
- Regulatory bodies where required by law
All third-party processors are subject to contractual data protection obligations.
9. International Data Transfers
Your personal data may be stored or processed within the European Economic Area (EEA).
Where data is transferred outside the EEA, appropriate safeguards are applied, including:
- Standard Contractual Clauses
- Adequacy decisions where applicable
10. Data Retention
We retain personal data only for as long as necessary to fulfil the purposes for which it was collected and to meet legal and regulatory obligations.
Retention periods are determined by:
- Regulatory requirements
- Limitation periods
- Business and risk management needs
Data is securely deleted or anonymised when no longer required.
11. Data Security
We implement appropriate technical and organisational measures to protect personal data, including:
- Access controls
- Secure systems and storage
- Encryption where appropriate
- Staff training and confidentiality obligations
12. Your Rights
Under GDPR, you have the right to:
- Access your personal data
- Request rectification of inaccurate or incomplete data
- Request erasure (where applicable)
- Restrict processing
- Object to processing
- Data portability (where applicable)
- Lodge a complaint with the Data Protection Commission
You may exercise your rights by contacting us using the details below.
13. Complaints and Contact Details
If you have any questions about this Privacy Notice or how your data is handled, please contact:
Data Protection Contact
Life Insurance Made Simple Ltd
Email: [insert GDPR/privacy email]
You also have the right to lodge a complaint with:
Data Protection Commission
21 Fitzwilliam Square South
Dublin 2
www.dataprotection.ie
14. Updates to This Privacy Notice
We may update this Privacy Notice from time to time to reflect changes in law, regulation, or our business practices.
The most recent version will always be available upon request or on our website.
