32 South Park, Foxrock, Dublin 18 (01) 9015708 Mon 9 AM - Fri 5 PM

Privacy Notice


Updated July 2021.V7

Livingstone Financial Services Ltd is committed to protecting and respecting your privacy. We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights.


For the purposes of the GDPR the data controller is Livingstone Financial Services Ltd. Our contact details are 32 South Park, Foxrock, D18 FF60 Contact: 019015708, Email: info@test-d0e7d8.ingress-florina.ewp.live


When we refer to we/us, we mean Livingstone Financial Services Ltd


Please read this Privacy Notice carefully as this sets out the basis on which any personal data, we collect from you, or that you provide to us, will be processed by us.


Who are we?

At Livingstone Financial Services Ltd. our philosophy stands with our clients and their success being our top priority. We do not sell products, instead we adopt a holistic approach that will take into account all of your financial requirements and provide unparalleled advice for what really matters. Our Motto is Go For it which means that we always give of our best and our goal is to serve our customers brilliantly, enabling them to thrive. We are a Financial Brokerage, not tied agents which enables us to secure the most suitable options to suit our customer’s needs.

Our Data Protection Officer can be contacted directly here:

  • Name: Mark Livingstone
  • Email address: markl@test-d0e7d8.ingress-florina.ewp.live
  • Phone number: 0851367116


How do we collect your information and what information do we collect?

Our organisation collects personal data in the following ways, if you:


  • request a service from us; for example a Mortgage or a Protection Policy such as Life Assurance, Specified Illness, Income Protection or Mortgage Protection. We will carry out a Fact-Find which will provide us with an overview of your financial situation and personal circumstances. This is the foundation stage of gathering all material information which is relevant and necessary in order for us to provide sound advice.
  • register with or use any of our websites or online applications; for example if you request a call back via our website.
  • use our website/apps and it installs cookies or other tracking technologies onto your device.
  • engage with us on social media; LinkedIn, Facebook
  • contact us with a complaint or query; we will contact you within 24 hours
  • apply for a position with us;

What information do we collect?

The information we collect about you includes the following:



Contact and Identifying information, e.g., name, address, contact details; email, mobile, landline


Unique identifiers e.g.

The following other bodies are authorised to use the Personal Public Service (PPS) Number under Social Welfare law.

Other Bodies


·         pension scheme reference number- the reason why w

·          insurance policy numbers, the reason why we collect this is that this is essential for the Life Insurance companies to ensure that policies match the correct policy holder/s


Demographic details, age, gender, marital status, lifestyle, and insurance requirements; date of birth, dependents, photo ID, as well as collecting personal information about you, we may also use personal information about other people, for example family members you wish to insure on a policy. E.g., your children/spouse

Note our Fact-Finds need to be completed correctly with only the information relevant and necessary to enable sound advice from the outset.

The data will be processed only in ways compatible with the purposes for which it was given and as outlined in our Data Privacy Notice, this will be given to all our clients at the time of data collection. We will ensure that this Privacy Notice is easily assessable.

We collect your personal details in order to provide the highest standard of service to you. We take great care with the information provided; taking steps to keep it secure and to ensure it is used only for legitimate purposes. The information you have provided will be treated as confidential and will be retained by Livingstone Financial Services Ltd in electronic format for the purposes of providing financial services. Under the General Data Protection Regulation (EU) 2016/679 (GDPR)(together with laws implementing or supplementing the GDPR in Member States, in each case, as amended and superseded from time to time) you have various rights relating to your ‘Personal Data’ we hold. Please see our privacy statement for more information. This information and other data provided to our office may be used to advise you of products and services* we may offer from time to time.


Family and Beneficiary Data, e.g., dependants, next of kin or nominated beneficiaries, Power of Attorney, Enduring Power of Attorney. Details of Solicitor/Tax Advisor/Accountant.


Employment information e.g., role, employment status (such as full/part time, contract), salary information, employment benefits, and employment history;

This information is necessary for our Fact Find with our clients.


Publicly available sources: e.g., Information about you in the public domain such as Director information from the Companies Registration Office.


Health information such as information about your health status, medical records and medical assessment outcomes; We collect medical information relating to personal habits (e.g., smoking and consumption of alcohol), medical history. We may also process certain special categories of information, for example information about your personal characteristics (biometric information) or disability information. 


Pensions and Insurance Benefits information such as current benefits, pension entitlement information, date of retirement and any relevant matters impacting your benefits such as voluntary contributions, PAO


Financial details e.g., bank account details, details of your credit history and bankruptcy status, salary, tax code, third-party deductions, bonus payments, benefits and entitlement data, national insurance contributions details,


Claims Data (From you and any relevant third parties).


Marketing preferences: we will only send you direct marketing if you explicitly consent. 


Online information: e.g., information about your visits to our websites;


Events information e.g., information about your interest in and attendance at our events, including provision of feedback forms;


Social media information (e.g., likes and posts) with our social media presence; this includes, LinkedIn, Twitter, Facebook please


Criminal records information e.g., the existence of or alleged criminal offences, or confirmation of clean criminal records for motor products.


Searches that we undertake in relation to sanctions, money laundering and credit checks.

We will carry out frequent AML and PEP’S checks when needed for example Investment funds, source of funds, Politically Exposed Individuals Checks carried out when required and depending on nature of business/transaction.


Calculators on our website. We use this data to perform calculations to prepare quotations for life insurance or mortgages.



When our organisation collects sensitive personal data as defined within the GDPR we will ensure that we require this information, and we have your explicit consent and/or authorisation prior to our collection. Please see the further information contained in this Privacy Notice that outlines special categories of personal data.


Information we automatically collect.

We sometimes automatically collect certain types of information when you visit our websites and through e-mails when we communicate with you. Automated technologies may include the use of web server logs to collect IP addresses, “cookies” and web beacons. Other cookies such as functional cookies, marketing cookies and analytical cookies will only be used with your expressed consent.  Further information about our use of cookies can be found in our Cookie Notice  at the footer of our web page. test-d0e7d8.ingress-florina.ewp.live

How do we use your personal data?

Your Personal Data will be used to enable us to fulfil our contractual obligations in relation to your request for insurance, investment, protection, pension products, independent financial advice, quotes.




Performing services for our clients and prospective clients – when you require insurance/investment products, we use your data to enable us to provide the required product


Statutory and other regulatory requirements – we are required to carry out various obligations which include:

·         AML/Sanction checking

·         Knowing your customer “Fact Find” I/We confirm that this completed Fact Find is a true and fair account of my/our personal and financial circumstances at this date and I/we am satisfied that the information given by me in my/our Financial Review meeting is accurately reflected in this Fact Find. I/We understand that any recommendations made to me/us will be based on my answers as set out in this Fact Find.

·         Adherence to the Consumer Protection Code

·         PEP’s checking where appropriate

·         Suspicious Transaction Reporting, there may be instances where the company is obliged to report any suspicious activity, for example an out of the ordinary request to invest a large lump sum without any evidence of source of funds.


Communicate and marketing to you – We will communicate to our customers via telephone, Email, Online Video (Zoom or Teams) Livingstone Financial Services Ltd is subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards which offer protection to consumers. These Codes can be found on the Central Bank’s website www.centralbank.ie.


Process claims – all claims to be processed in a timeous manner, always with our customer at the heart of everything we do


To contact you if required or to respond to any communications that you might send to us.


To administer our site including data analysis, testing, research, statistical and survey purposes.


Carry out our obligations arising from any contracts entered between you and us and to provide you with the information, products and services that you request.


Arranging premium finance agreements.


Provide professional services – as Financial Brokers we have written agencies with Aviva Life, Friends First, Zurich, Standard Life, Irish Life, New Ireland & BCP.


Handling complaints https://lfsl.ie/terms-of-business/

Whilst we are happy to receive verbal complaints, it would be preferable that any complaints are made in writing. We will acknowledge your complaint in writing within 5 business days and we will fully investigate it. We shall investigate the complaint as swiftly as possible, and the complainant will receive an update on the complaint at intervals of not greater than 20 business days starting from the date on which the complaint is made.  On completion of our investigation, we will provide you with a written report of the outcome. In the event that you are still dissatisfied with our handling of or response to your complaint, you are entitled to refer the matter to the Financial Services and Pensions Ombudsman (FSPO). A full copy of our complaints procedure is available on request.


To notify you about changes to our service – Our Terms of Business and website will be updated following any changes to our service in advance of any such changes occurring



Legal Basis

We need to ensure that we process your personal data lawfully. We rely on the following legal grounds to collect and use your personal data.   


Performance of a contract

When we enter a contract with you, we will collect and use your personal data to enable us to fulfil that service.

Legal obligation

The use of some of your personal data is necessary for us to meet our legal obligations e.g., pension contributions for Revenue Certificates, Regulatory purposes to the Central Bank.


Sometimes we may rely on consent as a legal basis for processing your information. For example, we rely on consent to collect and use personal data for any criminal convictions or alleged offences.  This is used when we need to assess risk relating to an insurance policy for you. We share this information with other third parties where it is necessary to manage these services provided to you – these services include insurance underwriters, reinsurer and other insurance providers.


We may also rely on your consent to send direct marketing to you. We will ensure that we present this to you concisely.  We will also ensure that we use clear and plain language and if you give us your consent you can withdraw this easily at any time.


Sometimes if you refuse to provide information that we reasonably require to provide the services, we may be unable to offer you the services and/or we may terminate the services provided with immediate effect.


Legitimate interests

Where we rely on this legal basis to collect and use your personal information, we shall take appropriate steps to ensure the processing does not infringe the rights and freedoms conferred to you under the applicable data privacy laws.





If you require further information on any of the above basis for processing your data, we can provide you with further details.


How we share your data  

When required, we may make your information available to third parties with whom we have a relationship, where that third party is providing services on our behalf. We will only provide those third parties (data processors) with information that is necessary for them to perform the services.  We will take measures to protect your information, such as putting in place Standard Contractual Clauses and confidentiality agreements.



Insurance Partners where we need to manage the services provided to you such as Product Providers and insurance underwriters, reinsurers, and loss adjuster.. You can refer to their privacy statements on their website for more information about their privacy practices. For example https://www.aviva.ie/about-and-support/privacy/data-privacy-summary-broker/


Vetting and risk management agencies such as credit reference, criminal record, fraud prevention, data validation and other professional advisory agencies, where necessary to prevent and detect fraud in the insurance industry and take steps to assess the risk in relation to prospective or existing insurance policies and/or the services


Legal advisers, loss adjusters, and claims investigators, where necessary to investigate, exercise or defend legal claims, insurance claims or other claims of a similar nature;


Medical professionals, e.g., where you provide health information in connection with a claim against your insurance policy; or when we are providing a quote for insurance. https://www.bis-platform.com/ba/b_term.php


EU Law enforcement bodies, when required to do so by law and/or regulation, or another legal request.  https://eucpn.org/about-us/our-partners https://garda.ie/en/  https://www.revenue.ie/en/Home.aspx


Public authorities, regulators and government bodies, where necessary for us to comply with our legal and regulatory obligations, or in connection with an investigation of suspected or actual illegal activity; us/our-partners https://garda.ie/en/  https://www.revenue.ie/en/Home.aspx


Third-party processors: We outsource our processing operations to suppliers that process personal information on our behalf. Examples include IT service providers who manage our IT and back-office systems and telecommunications networks, and accounting and payroll providers, CRM providers.

These processing operations remain under our control and we have data processing agreements in place with all our third party processors to ensure all processing is carried out in accordance with our security standards and the GDPR.



Internal and external auditors where necessary for the conduct of company audits or to investigate a complaint or security threat.


On the sale or reorganisation of our business whether by asset or share disposal or other transaction relating to our business.



Transferring personal data outside of Ireland


Where we transfer personal data to a country outside of the EEA (referred to in the GDPR as ‘third country,’) we will ensure it is done lawfully, i.e. there is an appropriate “level of protection for the fundamental rights of the data subjects”.  We will therefore ensure that either the EU Commission has granted an adequacy decision in respect of the third country, or appropriate specified safeguards have been put in place, (e.g., Binding Corporate Rules (BCRs) or Standard Contractual Clauses (SCCs)).




The security of your personal data is important to us, we have implemented appropriate technical and organisational measures to ensure a level of security appropriate to the risk.  We have processes in place to protect your personal data from loss, unauthorised access, misuse, alteration and destruction.



Livingstone Financial Services Ltd shall not keep personal data in a form that permits identification of data subjects for a longer period than is necessary.


Livingstone Financial Services Ltd may store data for longer periods if the personal data will be processed solely for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes, subject to the implementation of appropriate technical and organisational measures to safeguard the rights and freedoms of the data subject.



For general brokers only; liability insurance

If you hold insurance against a liability that may be incurred by you against a third party, where for whatever reason you cannot be found or you become insolvent, or the court finds it just and equitable to so order, then your rights under the contract will be transferred to and vest in the third party even though they are not a party to the contract of insurance.  The third party has a right to recover from the insurer the amount of any loss suffered by them.  Where the third party reasonably believes that you as policyholder have incurred a liability the third party will be entitled to seek and obtain information from the insurer or from any other person, who is able to provide it including Livingstone Financial Services Ltd concerning:

  • the existence of the insurance contract,
  • who the insurer is,
  • the terms of the contract, and
  • Whether the insurer has informed the insured person that the insurer intends to refuse liability under the contract. 


Data Subjects Rights:

Livingstone Financial Services Ltd will facilitate your rights in line with our data protection policy and the Subject Access Request procedure.  This is available on request.

  • Right of access – you have the right to request a copy of the information that we hold about you.
  • Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
  • Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records. (The erasure of such data will be dependent on our other legal obligations, and whether the data is subject of legal privilege).
  • Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
  • Right of portability – you have the right to have the data we hold about you transferred to another organisation.
  • Right to object – you have the right to object to certain types of processing such as direct marketing.
  • Right to object to automated processing, including profiling.
  • Right to make a complaint: if we refuse your request under rights of access, we will provide you with a reason as to why.

All the above requests will be forwarded on, should there be a third party involved, as we have indicated in the processing of your personal data.



If you wish to make a complaint about how your personal data is being processed by Livingstone Financial Services Ltd or how your complaint has been handled, you have the right to lodge a complaint with our Data Protection Officer


Failure to provide further information.

If we are collecting your data for a contract and you cannot provide this data, the consequences of this could mean the contract cannot be completed or details are incorrect.

When you fail to provide us with information we require to fulfil our obligations to you, we may be unable to offer our services to you.


Profiling – automatic decision making.

An automated decision is when we input your personal data into a computer programme and this programme analyses your personal data to provide us with a result.  There is no human involvement in the decision making. An example of this is when we submit a proposal for life insurance online and the policy is accepted at standard rates without the need to go to underwriting for assessment If a decision is taken by automated means, you have the right to object to this and ask us to reconsider the service you have asked us to provide. Some further examples of automated decisions that we undertake are listed below.


An example:

Financial and mortgage advisors using profiling in their business.  The main categories are

  1. Risk profiling.
  2. Profiling for marketing purposes.
  3. Establishing affordability and providing quotations for financial services and mortgage product
  4. Bankruptcy check
  5. PEP check


  1. a) Risk Profiling

To establish a customer’s attitude to investment risk (relates to pensions and investments) advisors have automated calculators which calculate the customer’s attitude to various levels of risk having answered a series of questions.


  1. Profiling for marketing purposes.

When we seek to contact you about other services, as outlined above we run automated queries on our computerised data base to establish the suitability of proposed products or services to your needs.


  1. Establishing affordability and providing quotations for financial services products.

Special Categories of personal data

Special categories of data are sensitive in relation to your fundamental rights and freedoms and therefore require specific protection when processed as these could create significant risks to the rights and freedoms of individuals.


If we collect any special categories of personal data, such as health data, we will either obtain your explicit consent or we will adhere to the Data Protection Act 2018. This Act allows us to process special categories of personal data for insurance and pension purposes. We will ensure we have suitable and specific measures in place to safeguard the rights and freedoms of you and the processing of your data. These measures relate to the below:

  • a policy of insurance or life assurance,
  • a policy of health insurance or health related insurance
  • an occupational pension, a retirement annuity contract or any other pension arrangement
  • the mortgaging of a property

Contact Us

Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on 019015708 or email info@test-d0e7d8.ingress-florina.ewp.live


Privacy notice/ statement changes

When we update this Privacy Notice/Statement, we will post a revised version online. Changes will be effective from the point at which they are posted. We would encourage you to review our Privacy Notice so that you are aware of updates.

This privacy policy was last reviewed in July 2021. V7