ACCESSIBILITY STATEMENT,
PRIVACY, T&Cs, & COOKIE POLICY
Accessibility Statement.
ONLINE INFORMATION PRACTICES
We are committed to protecting your personal privacy as you visit this website. As a visitor to our site, you have the right to understand our privacy and security practices prior to providing the companies of CUNA Mutual Group with personal information.
INFORMATION WE MAY COLLECT
The information we collect varies depending on the type of activity you are performing and helps us personalise and continually improve your experience. Much of our website can be accessed without providing any personal information. On all pages that collect personal information, we specifically indicate what information is required in order to provide you with the product or service you have requested.
Online Applications and Enrollment Forms
When you apply online for products or services, we may need to collect personal information in order to complete your request. The personal information we collect varies depending upon the product or service for which you apply. Examples of information we may collect include information such as your name, address, date of birth, gender, employment and financial information, e-mail address, beneficiary information, bank account details, credit card number, etc. Information we capture through applications or enrollments is securely transferred to the corresponding business area for completion and is not distributed to third parties.
Browsing
When you visit our site, we gather information including page requests (URL requests), time of your visit, your IP address, operating system, web browser software, and any cookies which were set during a previous visit to our site. This information is collected to improve your overall experience. We also use the information to track site usage and compile statistics. This helps us improve the site so that you will find it more useful and informative and enable customised promotions you may be interested in. IP address information is not distributed to third parties.
Financial Calculators
Where we offer online financial management calculators to assist you in your personal financial analysis and planning efforts. The information necessary to perform the calculations includes personal financial information; however, this information does not include personal identifiers to link the information to your identity. The information you enter is not stored or retained by us. The information is used only in the aggregate and cannot be tracked back to the individual.
HOW WE USE YOUR INFORMATION
Information collected through this website may be used to:
• Improve the quality of your visits to our site, and your overall experience
• Respond to your questions or suggestions
• Fulfill your online application or enrollment requests
• Send promotional offers to selected groups of website visitors
WHO WE SHARE YOUR INFORMATION WITH
We limit the release of information and we do not sell customer information. We will share information only when necessary to administer products and services we provide, when we partner with credit unions or strategic partners to offer you a broader array of products and services, or when required by law, subject always to data protection legislation. We require strict privacy protections in our business relationships.
If you prefer that we do not share your personal information for marketing purposes with your credit union or any other nonaffiliated third party, please send an e-mail to administration@cunamutual.ie stating this.
CONTROL OVER AND ACCESS TO YOUR INFORMATION
We enable you to have control over the accuracy of your personal account information. You can delete or change your personal account information at any time by contacting us via a method described under “Contact Us” below.
LINKING TO THIRD PARTIES
When you leave this website and go to another linked site, we are not responsible for the content or availability of the linked site. Please be advised that if you enter into a transaction on the third party site, we do not represent either the third party or you. Further, the privacy and security policies of the linked site may differ from those practiced by us.
CHANGES TO THE PRIVACY STATEMENT
This Privacy Statement was last updated January 2013. We reserve the right to amend this Statement from time-to-time. Any material change to our online privacy practices will be reflected in this Website Privacy Statement.
Privacy Policy Statement
At CMutual we respect your right to privacy and comply with our obligations under all prevailing laws and regulations.
The purpose of this Privacy Policy is to outline how we deal with any personal data you consent to provide to us. We treat all personal data we hold with the utmost care ensuring its security and use only for legitimate and lawful purposes. We maintain physical, electronic and procedural safeguards to protect your information. One of our procedural safeguards is allowing staff access to data on a least-privilege basis, this means only those staff with a specific job purpose may access your data.
CONSENT
We adhere to the GDPR and commit to use data provided by you solely for the explicit purpose for which you have provided it.
We retain two types of information:
PERSONAL DATA
This data can be used to identify you, contact you or process insurance applications on your behalf. We obtain this data by you applying for insurance through your credit union. You may elect to join our mailing list consenting by e-mail or otherwise.
We never request sensitive personal medical information.
NON-PERSONAL DATA
To measure the effectiveness of our website, we collect aggregate data that allows us identify:
• The number of visitors to our website
• The number of pages viewed
• Which parts of the site are most popular
• The interests of our visitors
Changes to Privacy Policy Statement
Our Privacy Policy Statement may change from time to time and any changes to the statement will be posted on our website at: http://www.cmutual.ie/privacy-statement
This statement was last updated May 2018.
Terms and Conditions
PRIVACY STATEMENT
We understand that you care about how information about you is shared and used, and we appreciate the trust you place with us. At the core of our commitment to protect the people that matter most in your life, is a commitment to protect your privacy in all situations. Our policies and procedures are designed to protect your personal information. This statement describes our commitment to your privacy.
We protect your information. We maintain physical, electronic and procedural safeguards to guard your nonpublic personal information. We restrict employee access to nonpublic personal information about you on an as-needed basis.
We do not share your medical information. We do not use or share, internally or with other organisations and third parties, medical information for any purpose other than insurance underwriting or administration of a customer’s policy, account or claim, as required by law, or as authorised by you.
We collect relevant information necessary to administer the product or service you have requested and to enhance your experience.
We limit the release of information. We do not sell customer information. We share information only when necessary to administer products and services we provide, when required by law.
We require strict privacy protections in our business relationships. We engage in ventures only with credit unions, organisations and strategic partners that follow strict confidentiality requirements and offer products designed to improve the economic well-being of our customers. We do not share your data without your consent.
ONLINE INFORMATION PRACTICES
We are committed to protecting your personal privacy as you visit this website. As a visitor to our site, you have the right to understand our privacy and security practices prior to providing the companies of CUNA Mutual Group with personal information.
INFORMATION WE MAY COLLECT
The information we collect varies depending on the type of activity you are performing and helps us personalise and continually improve your experience. Much of our website can be accessed without providing any personal information. On all pages that collect personal information, we specifically indicate what information is required in order to provide you with the product or service you have requested.
Online Applications and Enrollment Forms
When you apply online for products or services, we may need to collect personal information in order to complete your request. The personal information we collect varies depending upon the product or service for which you apply. Examples of information we may collect include information such as your name, address, date of birth, gender, employment and financial information, e-mail address, beneficiary information, bank account details, credit card number, etc. Information we capture through applications or enrollments is securely transferred to the corresponding business area for completion and is not distributed to third parties.
Browsing
When you visit our site, we gather information including page requests (URL requests), time of your visit, your IP address, operating system, web browser software, and any cookies which were set during a previous visit to our site. This information is collected to improve your overall experience. We also use the information to track site usage and compile statistics. This helps us improve the site so that you will find it more useful and informative and enable customised promotions you may be interested in. IP address information is not distributed to third parties.
Financial Calculators
Where we offer online financial management calculators to assist you in your personal financial analysis and planning efforts. The information necessary to perform the calculations includes personal financial information; however, this information does not include personal identifiers to link the information to your identity. The information you enter is not stored or retained by us. The information is used only in the aggregate and cannot be tracked back to the individual.
HOW WE USE YOUR INFORMATION
Information collected through this website may be used to:
• Improve the quality of your visits to our site, and your overall experience
• Respond to your questions or suggestions
• Fulfill your online application or enrollment requests
• Send promotional offers to selected groups of website visitors
WHO WE SHARE YOUR INFORMATION WITH
We limit the release of information and we do not sell customer information. We will share information only when necessary to administer products and services we provide, when we partner with credit unions or strategic partners to offer you a broader array of products and services, or when required by law, subject always to data protection legislation. We require strict privacy protections in our business relationships.
If you prefer that we do not share your personal information for marketing purposes with your credit union or any other nonaffiliated third party, please send an e-mail to administration@cunamutual.ie stating this.
CONTROL OVER AND ACCESS TO YOUR INFORMATION
We enable you to have control over the accuracy of your personal account information. You can delete or change your personal account information at any time by contacting us via a method described under “Contact Us” below.
LINKING TO THIRD PARTIES
When you leave this website and go to another linked site, we are not responsible for the content or availability of the linked site. Please be advised that if you enter into a transaction on the third party site, we do not represent either the third party or you. Further, the privacy and security policies of the linked site may differ from those practiced by us.
CHANGES TO THE PRIVACY STATEMENT
This Privacy Statement was last updated January 2013. We reserve the right to amend this Statement from time-to-time. Any material change to our online privacy practices will be reflected in this Website Privacy Statement.
Cookie Policy
A cookie is a file containing data that a website can send to your browser, which is then stored on your system. A cookie is useful for having the browser remember specific information across several pages or between visits to a website.
In accordance with the ‘Directive 2002/58 on Privacy and Electronic Communications’ ‘Directive 2006/24 on Data Retention’ and Directive 2009/136 ‘‘the Cookie Directive”’ (EU Directives) the ‘Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011’ (UK Regulations) and the European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011 (Irish Regulations), this site provides information to the site’s visitors on the purpose and use of ‘cookies’ on the site and gives the user the option to accept or rejects placing of the cookies.
If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies. Our cookies will have the file names cunainsurance.co.uk or cunainsurance.ie.
Information on deleting or controlling cookies is available at www.AboutCookies.org. Please note that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of our site.
CONTACT US
If you have any questions concerning your privacy, please contact us at:
European Headquarters
511 The Capel Building,
Mary's Abbey,
Dublin 7,
Ireland D07FK22
Phone: +353 1 5533500
e-mail: insurance@cmutual.ie