Last Updated: March 2, 2026
Welcome to FinCare ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website fincare.ie and use our financial services.
1. Information We Collect
1.1 Personal Information
We may collect personal information that you voluntarily provide to us when you:
- Register for an account
- Apply for financial services or products
- Contact us for customer support
- Subscribe to our newsletter or marketing communications
- Participate in surveys or promotions
This information may include:
- Full name and contact details (email address, phone number, postal address)
- Date of birth and identification information
- Financial information (income, employment details, bank account information)
- Credit history and credit score
- Tax identification numbers (PPS Number in Ireland)
- Documentation for identity verification (passport, driver's license, utility bills)
1.2 Automatically Collected Information
When you access our website, we automatically collect certain information, including:
- IP address and browser type
- Device information and operating system
- Pages viewed and links clicked
- Time and date of visits
- Referring website addresses
- Cookies and similar tracking technologies
1.3 Third-Party Information
We may receive information about you from third parties, including:
- Credit reference agencies
- Fraud prevention agencies
- Identity verification services
- Public databases and registries
2. How We Use Your Information
We use the collected information for the following purposes:
- Service Provision: To process your applications, provide financial services, and manage your account
- Verification and Security: To verify your identity, prevent fraud, and ensure compliance with legal obligations
- Credit Assessment: To assess your creditworthiness and make lending decisions
- Communication: To send you service-related notifications, updates, and respond to your inquiries
- Marketing: To send promotional materials and offers (with your consent)
- Analytics: To analyze website usage and improve our services
- Legal Compliance: To comply with applicable laws, regulations, and legal processes
- Risk Management: To manage business risks and detect illegal activities
3. Legal Basis for Processing (GDPR)
Under the General Data Protection Regulation (GDPR), we process your personal data based on:
- Contractual Necessity: Processing is necessary for the performance of a contract with you
- Legal Obligation: Processing is required to comply with legal requirements (anti-money laundering, tax regulations)
- Legitimate Interests: Processing is necessary for our legitimate business interests (fraud prevention, service improvement)
- Consent: You have given explicit consent for specific processing activities (marketing communications)
4. How We Share Your Information
We may share your personal information with:
4.1 Service Providers
- Payment processors and financial institutions
- IT and cloud service providers
- Customer support and communication platforms
- Marketing and analytics providers
4.2 Legal and Regulatory Bodies
- Central Bank of Ireland
- Revenue Commissioners
- Law enforcement agencies
- Courts and regulatory authorities
4.3 Credit Reference and Fraud Prevention Agencies
We share information with credit reference agencies to assess creditworthiness and with fraud prevention agencies to prevent financial crime.
4.4 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
We do not sell your personal information to third parties for their marketing purposes.
5. Data Retention
We retain your personal information for as long as necessary to:
- Provide our services to you
- Comply with legal and regulatory requirements (typically 6-7 years for financial records)
- Resolve disputes and enforce our agreements
- Prevent fraud and maintain security
After the retention period expires, we will securely delete or anonymize your personal data.
6. Your Rights Under GDPR
As a data subject in the European Union, you have the following rights:
- Right of Access: Request a copy of your personal data
- Right to Rectification: Request correction of inaccurate or incomplete data
- Right to Erasure: Request deletion of your personal data ("right to be forgotten")
- Right to Restriction: Request limitation of processing your data
- Right to Data Portability: Receive your data in a structured, machine-readable format
- Right to Object: Object to processing based on legitimate interests or for direct marketing
- Right to Withdraw Consent: Withdraw consent at any time (where processing is based on consent)
- Right to Lodge a Complaint: File a complaint with the Data Protection Commission of Ireland
To exercise these rights, please contact us using the details provided below.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Remember your preferences and settings
- Authenticate users and prevent fraud
- Analyze website traffic and user behavior
- Deliver personalized content and advertisements
Types of Cookies We Use:
- Essential Cookies: Necessary for website functionality
- Performance Cookies: Help us understand how visitors use our website
- Functionality Cookies: Remember your choices and preferences
- Targeting Cookies: Deliver relevant advertisements
You can manage cookie preferences through your browser settings. However, disabling certain cookies may affect website functionality.
8. Data Security
We implement appropriate technical and organizational measures to protect your personal information, including:
- Encryption of data in transit and at rest (SSL/TLS)
- Secure access controls and authentication
- Regular security assessments and audits
- Employee training on data protection
- Incident response and breach notification procedures
While we strive to protect your data, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.
9. International Data Transfers
Your personal information may be transferred to and processed in countries outside the European Economic Area (EEA). When we transfer data internationally, we ensure adequate protection through:
- EU Standard Contractual Clauses
- Adequacy decisions by the European Commission
- Other approved transfer mechanisms
10. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child without parental consent, we will take steps to delete that information.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of significant changes by:
- Posting the updated policy on our website with a new "Last Updated" date
- Sending an email notification (for material changes)
Your continued use of our services after changes are posted constitutes acceptance of the updated policy.
13. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
FinCare
Email: ask@fincare.ie
Phone: +353 899700501
Address: 13 Manor Close , Galway, Ireland
Supervisory Authority:
Data Protection Commission
21 Fitzwilliam Square South
Dublin 2, D02 RD28
Ireland
Website: www.dataprotection.ie
This Privacy Policy is governed by the laws of Ireland and complies with the General Data Protection Regulation (GDPR) and the Data Protection Act 2018.
