Privacy policy.

Last updated: 27 August 2025

OBCM Chartered Accountants (“we”, “us”, “our”) is committed to protecting and respecting your privacy. This Privacy Notice explains how we collect and use personal data and outlines your rights under the General Data Protection Regulation (GDPR) and the Irish Data Protection Act 2018.

Data Controller & Contact Details

Controller: OBCM Chartered Accountants
Address: Allman House, Tralee Road, Killarney, Co. Kerry, Ireland
Phone: 064 6632045
Email: info@obcm.ie

When we refer to “we/us”, we mean OBCM Wealth Management.

Who we are

OBCM Chartered Accountants provide advice and arrange pensions, investments, and protection (life assurance) products for companies and individuals.

Data Protection Contact

Our designated GDPR Contact is John Cronin.

How we collect personal data

We collect personal data directly from you and from third parties as appropriate, for example when you:

  • Engage us to arrange pensions, investments or protection products and complete our fact-find.

  • Communicate with us by phone, email, post, meetings or online forms.

  • Provide documents for AML/KYC checks.

  • Visit our website (including via cookies/online forms).

  • Are referred to us by another party (e.g., your employer or professional adviser).

  • Apply for a role with us.

What personal data we collect

Depending on the service, we may collect:

  • Contact & Identifying Information: name, address, email, phone number, date of birth, nationality, photo ID.

  • Unique Identifiers: PPS number (to verify identity and for pension/revenue requirements), policy numbers, pension scheme references.

  • Demographics & Family/Beneficiaries: marital status, dependants, next of kin, nominated beneficiaries; details of professional advisers.

  • Employment & Financial Information: employment status/role, salary/income, assets and liabilities, bank details for payments/refunds, tax information, contribution history.

  • Health Information (special category data): health and lifestyle details where required for protection products, processed with your explicit consent.

  • Compliance/Screening: AML, PEP, and sanctions check results.

  • Claims Data: information necessary to assess or manage a claim.

  • Marketing Preferences: your consent for marketing.

  • Online Data: website usage data (see Cookies Policy).

How we use your personal data & legal bases

We use your data to:

  1. Provide advice and arrange products you request (pensions, investments, protection).

    • Legal basis: Performance of a contract.

  2. Meet legal/regulatory obligations (AML/KYC checks, Central Bank of Ireland, Revenue).

    • Legal basis: Legal obligation.

  3. Underwrite and assess risk for protection products and manage claims.

    • Legal basis: Contract, explicit consent (for health data), legal obligation.

  4. Communicate with you about policies, renewals, transactions, and updates.

    • Legal basis: Contract, legitimate interests.

  5. Handle enquiries and complaints.

    • Legal basis: Legal obligation, legitimate interests.

  6. Send marketing communications where you have given consent.

    • Legal basis: Consent.

  7. Website analytics/cookies.

    • Legal basis: Consent.

Sharing your personal data

We may share your data with:

  • Product providers, insurers, pension administrators, underwriters, reinsurers, claims handlers.

  • Medical professionals (with your consent).

  • AML/PEP/sanctions screening partners.

  • Professional advisers and auditors.

  • IT and operational service providers (under data processing agreements).

  • Regulators and public authorities (e.g., Central Bank of Ireland, Revenue, law enforcement).

  • Another organisation in case of a business reorganisation or sale.

International transfers

If we transfer your data outside the EEA, we ensure safeguards such as EU adequacy decisions or Standard Contractual Clauses are in place.

  

Security

We use appropriate technical and organisational measures to protect your data from loss, alteration, unauthorised access or misuse.

Retention

We retain personal data only as long as necessary to meet legal/regulatory obligations and the lifecycle of pension/investment/protection products. Data is securely disposed of when no longer required.

Your rights

You have the right to:

  • Access and receive a copy of your data.

  • Rectify inaccuracies.

  • Request erasure (“right to be forgotten”) in certain cases.

  • Restrict processing.

  • Data portability.

  • Object to processing (including marketing).

  • Not be subject to decisions based solely on automated processing/profiling.

You can exercise these rights by contacting our GDPR Contact (details above). You may also lodge a complaint with the Data Protection Commission (DPC):

  • Address: 21 Fitzwilliam Square South, Dublin 2, D02 RD28

  • Web: www.dataprotection.ie

  • Email: info@dataprotection.ie

Automated decision-making & profiling

  • Risk-profiling calculators may be used to assess your investment tolerance.

  • Insurer underwriting decisions may involve automation.

  • AML/PEP/sanctions screening may use automated checks.

You have the right to request human intervention and contest automated decisions.

Cookies

Our website uses cookies. Non-essential cookies (e.g., analytics/marketing) are only used with your consent. See our Cookies Policy for details.

Complaints

To complain about how we process your data, please contact our GDPR Contact:
info@obcm.ie / 064 6632045

You also have the right to complain to the DPC (see contact details above).

Changes to this Privacy Notice

We may update this notice from time to time. The latest version will always be available on our website.

Contact us

OBCM Chartered Accountants
Allman House, Tralee Road, Killarney, Co. Kerry, Ireland
Phone: 064 6632045 | Email: info@obcm.ie

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