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At Lunar Technologies Ltd t/a Money Advice and Mortgage 24-7 (hereafter referred to as LT) your privacy is of utmost importance to us.
We set out below our Privacy Policy and it is important that you are familiar with it. At LT we are committed to compliance with Data Protection legislation and regulations including GDPR regulations.
Under GDPR regulations we are deemed "Data Processors". LT is a "business to business" software platform for financial, insurance, mortgage brokers (our clients) and product providers (lenders and insurers). As such LT does not control customers personal information i.e. we are not “Data Controllers” under GDPR regulations.
This privacy statement relates to private information that may be stored on our broker technology platform used by Data Controllers (financial, insurance and mortgage brokers, product providers i.e. insurance companies and lenders). Broker customers may upload their data to LT with the consent of their appointed broker.
This Privacy Statement applies to personal information that we may hold on behalf of our broker clients.
We are a software development and sales company providing and hosting software for financial, insurance, mortgage intermediaries, lenders and insurers.
Our business is located at Station Road, Ennis, Co. Clare, Ireland where we may be contacted. Contact details; support@moneyadvice.ie; +353 65 6849675. Our Data Protection Officer may be contacted at dpo@moneyadvice.ie; 065 6849675
This is collected from you by our broker customers to whom you provide your personal and financial information. You can also update your information on our systems in an online form when authorised to do so by your broker.
The information recorded may include your name, address, e-mail address, phone number, personal description and financial or other business information, employment information (current and past) and may include family information. Health information may be provided if applying for protection insurance, pension, or a mortgage.
We never share or process personal information.
In the course of our business with our clients and acting on their instructions we may use your information in the performance of our contract, account set up, delivering our technical and customer support including account management, and investigating complaints. We may exceptionally share personal information in the following circumstances;
Your broker will of course share your information with lenders, insurers, and others to provide services to you. If required, please clarify this with your broker through your financial advisor or the firm’s privacy statement.
We do not envisage communicating with broker customers on our platform except in the following circumstances;
LT does not use "cookies" to store other confidential user and session information, but instead implements more advanced security methods based on dynamic data and encoded session IDs.
Money Advice utilises some of the most advanced technology for internet security available today. The system uses a code-signing certificate to ensure you are accessing a registered and secure application. When users access our site using industry standard Secure Socket Layer (SSL) technology, your information is protected using both server authentication and data encryption, ensuring that data is safe, secure, and available only to registered Users in your organisation. Individual broker customer data is completely inaccessible except to users authorised by the individual broker.
Money Advice provides each user with a unique user name password and PIN (number) that must be entered each time a User logs on. These details are stored in an encrypted fashion in the database and can only be validated using a valid key. LT issues a session "cookie" only to record encrypted authentication information for the duration of a specific session. The session "cookie" does not include either the username or password of the user. In addition, Lt is hosted in a secure server environment, within the EU, that uses a firewall and other advanced technology to prevent interference or access from outside intruders.
Money Advice application and database are hosted on servers in a data centre operated by Dimension Data (www.dimensiondata.com) in the UK. Dimension Data are a SAS AE 16 compliant company. Our contract with Dimension Data is for a “managed hosting” service – this means that Dimension Data have full responsibility for security and maintenance of the hardware. Dimension Data offers a combination of dynamic security solutions which enable us to proactively maintain defensible networks. Our layered approach to addressing these complex issues is to employ a defence-in-depth strategy, which means no one solution is solely relied upon.
The Dimension Data IDS solution provides defence in depth by analysing network traffic and either blocking, replacing or alerting when suspicious activity is detected. The system utilises a rules-based language, which combines the benefits of signature, protocol and anomaly-based inspection methods. Rules are used to examine packets at both the IP protocol level and at the application level and can be set to look for specific occurrences of attacks against a protocol or set to look for the conditions of an attack.
Dimension Data has selected a Tier 1 Managed Security Services Provider (MSSP) to monitor its intrusion detection system (IDS). The MSSP complements Dimension Data's existing inhouse capabilities and technologies with around-the-clock analysis, expertise and processes. This enables Dimension Data to measure the effectiveness and efficiency of its security controls, ensure business operations are not disrupted by threats and comply with legislation and reduce organizational risk.
If brokers process personal information based upon consent to do so, that consent may be withdrawn at any time by their customer. Broker customers may object to processing of personal information where processing is based upon our legitimate interests. Where required under applicable law, brokers should stop any such processing and notify their customer if that changes.
If a decision affecting a broker customer was based solely upon the automated processing of personal information, including profiling, and that decision produces a legal effect for the customer or similarly significantly affects the customer , they may have the right to contest that decision and ask for human review by the broker.
Broker customers may request disclosure of certain details regarding the processing of personal information, or that it be corrected, amended, deleted, or restricted in processing or may be requested to provide to customers, details of the personal information held. Where required under applicable law, brokers will notify any third-party recipients of this, where possible. Please note, though, that requests are subject to any applicable legal and ethical reporting or data retention obligations imposed on brokers.
Upon receipt of a written request and enough information to permit brokers to identify the relevant personal information, brokers should respond to such requests without undue delay. If a delay is necessary, where permitted by applicable law, brokers will notify customers of this, together with the reasons for the delay. If they are unable to act on the request, they will, as required by applicable law, annotate the personal information under their control with a note that action was requested but not made. In this event, they will notify customers without undue delay of the reasons for not taking action, and customers have the right to lodge a complaint with the relevant supervisory authority and ability to seek to enforce their rights through a judicial remedy.
Brokers may charge a reasonable fee, where allowed by applicable law, based on any unusual administrative costs in complying with customer requests; for instance, where further copies of the information held are requested, or where requests are unfounded or excessive.
Customers may exercise these or any other rights available to them under applicable law by emailing their broker with any specific request, or by otherwise contacting them.
Brokers are governed by GDPR and in their day to day activity by Central Bank of Ireland procedures. Generally, customers data is retained for 6 years after cessation of a customers’ relationship with a broker. In the event of a declined application this may be for a period of one year, subject to the application of the laws in such matters.
We provide links to various independent websites for the convenience of brokers in dealing with their customers.
We take no responsibility for the data or any other features on these sites.
If we change our privacy changes they will be reflected in a revised version of this document. Please check for changes on our website www.moneyadvice.ie
Our business is located at Station Road, Ennis, Co. Clare, Ireland (Post Code V95 FN79) where we may be contacted. Contact details; support@moneyadvice.ie; +353 65 6849675. Our Data Protection Officer may be contacted at dpo@moneyadvice.ie; 065 6849675