Policy

Topics :

• Privacy
• Fair Processing notice
• What is Personal data?
• Special categories of Personal data
• What data do we collect?
• How do we collect your data?
• How will we use your data?
• How do we store your data?
• Marketing
• What are your data protection rights?
• What are cookies?
• How do we use cookies?
• What types of cookies do we use?
• How to manage your cookies
• Privacy policies of other websites
• Changes to our privacy policy
• How to contact us
• How to contact the appropriate authorities

Privacy

This statement outlines our privacy policy. Residential Reversions Ltd will be the Data Controller of the personal data that you provide to us. Our current Data Protection Officer (DPO) is not required to be registered with the Data Protection Commission . Residential Reversions Ltd is committed to upholding all legislative requirements in regards to data protection and privacy.

Fair Processing Notice

You are not required to provide your details or complete any registration process before you can use this website. When you use certain products and services, you may be required to provide personal information, for example, in completing an application. The personal information we collect from you may include: name, address, telephone number, email address, date of birth and information about your financial circumstances.

What is Personal Data?

Under the EU's General Data Protection Regulation Personal Data is defined as follows:

Any information relating to an identified or identifiable natural person (data subject). An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

Special Categories of Personal Data

Certain data falling within the categories listed below are classified under the Regulation as "special categories":

• Racial
• Ethnic origin
• Political Opinions
• Religious Beliefs
• Trade-union membership
• Genetic Data
• Biometric Data
• Health Data
• Data concerning a person's sex life
• Sexual orientation
• Other

Residential Reversions Ltd does not collect data of this nature, save where it will impact customers’ property rights or their ability to comply with the Terms and Conditions of the products.

What data do we collect?

Our Company collects the following data:

• Personal identification information (Name, email address, DOB, phone number, etc.)
• Property details (estimated value, location, title type etc)

How do we collect your data?

You directly provide Residential Reversions Ltd with most of the data we collect. We collect data and process data when you:

• Enquire online for any of our products or services.
• Use our “Equity Release” calculator online.
• Voluntarily complete an application form.
• Use or view our website via your browser’s cookies.

Residential Reversions Ltd may also receive your data indirectly from the following sources:

• By way of a QFA appointed by yourself to advise on the preparation of a detailed application for our products.

How will we use your data?

Our Company collects your data so that we can:

• Process your application and manage your account.
• Email you with special offers on other products and services we think you might like.
• Carry out necessary Customer Due Diligence in line with our legal obligations.

In agreeing with this policy, Residential Reversions Ltd will have your consent to share your data (in relation to your initial enquiry and our subsequent indicative quotation) with our panel of QFAs so that they may contact you and advise/help you in progressing your full detailed application for our products. We will always seek to only provide data to a maximum of three members of our panel that are closest to you, so as to prevent excessive contact. The members of our QFA panel are listed on our website.

When Residential Reversions Ltd processes your order, it may send your data to, and also use the resulting information from, credit reference agencies.

How do we store your data?

Our Company securely stores your data on a secure partitioned and encrypted cloud server hosted in Ireland.

Our Company will keep your identification and transaction data for 5 years in line with Customer Due Diligence requirements under Criminal Justice Act 2010, and for a minimum of 6 years in line with the Consumer Protection Code. Once this time period has expired, we will delete your data by removing the relevant files from our secure, partitioned and encrypted cloud server and overwriting it with new data.

Marketing

• Residential Reversions Ltd would like to send you information about products and services of ours that we think you might like.
• If you have agreed to receive marketing, you may always opt out at a later date. We will never send direct marketing emails to customers without their prior agreement to such.
• You have the right at any time to stop Residential Reversions Ltd from contacting you for marketing purposes.
• If you no longer wish to be contacted for marketing purposes, please contact us at info@plus.ie to advise us of such.

What are your data protection rights?

Residential Reversions Ltd would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

• The right to access – You have the right to ask Residential Reversions Ltd for copies of your personal data. We may charge you a small fee for this service.
• The right to rectification – You have the right to request that Residential Reversions Ltd correct any information you believe is inaccurate. You also have the right to request Residential Reversions Ltd to complete the information you believe is incomplete.
• The right to erasure – You have the right to request that Residential Reversions Ltd erase your personal data, under certain conditions.
• The right to restrict processing – You have the right to request that Residential Reversions Ltd restrict the processing of your personal data, under certain conditions.
• The right to object to processing – You have the right to object to Residential Reversions Ltd’s processing of your personal data, under certain conditions.
• The right to data portability – You have the right to request that Residential Reversions Ltd transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our email: info@plus.ie
Call us at: +353 1 211 8212
Or write to us: Residential Reversions Ltd, 18 Merrion Row, Dublin 2, D02 A316.

What are your Cookies

Cookies are text files placed on your computer to collect standard Internet log information and visitor behaviour information. When you visit our websites, we may collect information from you automatically through cookies or similar technology.

For further information, visit allaboutcookies.org.

How do we use cookies?

Residential Reversions Ltd use cookies in a range of ways to improve your experience on our website, including:

• Keeping you signed in
• Understanding how you use our website
• For informing us on performance of our products as a result of website traffic

What types of cookies do we use?

There are a number of different types of cookies, however, our website uses:

• Functionality – Residential Reversions Ltd uses these cookies so that we recognize you on our website and remember your previously selected preferences. These could include what language you prefer and location you are in. A mix of first-party and third-party cookies are used.
• Advertising – Residential Reversions Ltd uses these cookies to collect information about your visit to our website, the content you viewed, the links you followed and information about your browser, device, and your IP address. Residential Reversions Ltd sometimes shares some limited aspects of this data with third parties for advertising purposes. We may also share online data collected through cookies with our advertising partners. This means that when you visit another website, you may be shown advertising based on your browsing patterns on our website.

How to manage cookies

You can set your browser not to accept cookies, and the above website tells you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.

Privacy policies of other websites

The Residential Reversions Ltd website contains links to other websites. Our privacy policy applies only to our website, so if you click on a link to another website, you should read their privacy policy.

Changes to our privacy policy

Residential Reversions Ltd keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last updated on 14th January 2020.

How to contact us

If you have any questions about Residential Reversions Ltd’s privacy policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.
Email us at: info@plus.ie
Call us at: +353 1 211 8212
Or write to us at: Residential Reversions Ltd, 18 Merrion Row, Dublin 2, D02 A316.

How to contact the appropriate authority

Should you wish to report a complaint or if you feel that Residential Reversions Ltd has not addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office.
Email : info@oic.ie
Tel : +353-1-6395689
Address : 18 Lower Leeson Street, Dublin 2, D02 HE97.