GJIS LTD - Specialist Insurance Services

GJIS (Europe) Ltd Terms of Business – Version 3.0 – Effective from 23Rd March 2026

WHO WE ARE

In these terms of business, 'we', 'us' and 'our' refers to GJIS (Europe) Limited

GJIS (Europe) Limtied, 30 Allen Park Drive, Stillorgan, Co Dublin, A94 H281

Tel; +353 (0)87 377 2154 Email; insurance@gjis.ie

UK Branch; 50-52 Carver St, Birmingham, B1 3AS.

Tel; +44 (0)121 233 3401

Company No. 641552

GJIS (Europe) Limited is a subsidiary of GJIS Limited (UK)

CENTRAL BANK OF IRELAND

GJIS (Europe) Limited is authorised and regulated by the Central Bank of Ireland under reference number C419110.

Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts.

The firm is subject to the Central Bank’s Code of Conduct as per the Consumer Protection Code, the Minimum Competency Code and Fitness and Probity standards for regulated entities. These Codes can be found on the Central Bank’s website www.centralbank.ie. We are listed on the Central Bank of Ireland Insurance Distribution Register which can be found on the central Bank of Ireland’s website http://registers.centralbank.ie

OUR SERVICE

Our role is to advise you and make a suitable recommendation after we have assessed your needs, to arrange insurance as agreed, and to represent your interests to insurers in the event of a claim as described below. If we arrange insurance for you but do not offer advice, we shall confirm the position to you in writing.

We select insurance products from a range of insurers, which may vary according to the type of insurance contract. You can ask us for a list of insurers used for any particular type. For certain types we only deal with a single insurer and will advise you of this when offering a quotation.

On occasions we recommend certain products that are branded in the name of GJIS (Europe) Limited. Each of these products is specially negotiated with a particular insurer. These and some other products will be placed by us utilizing binding authorities. In these circumstances we may be responsible for policy issue and some aspects of administration and claim settlement, in accordance with procedures and limits set by insurers and subject to their rigorous audit and control. When recommending these products we will continue to place your interests above all other considerations, but if that is not possible, we will advise you of the conflict of interest.

We will not in any circumstances act as an insurer, nor guarantee or warrant the solvency of any insurer. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent.

INSURANCE QUOTATIONS

Before your insurance arrangements are concluded or you become liable to pay a premium (whichever is earlier), you will receive a quotation, which will tell you the total premium to be paid, and any fees, local taxes or other charges will be detailed separately. Full payment of premium, taxes and fees or other charges is due before cover commences, or as otherwise stated under terms of credit, or in the debit note, invoice or statement sent to you.

We will also give you a statement of demands and needs setting out our understanding of your demands and needs for the insurance policy. If we have not personally recommended the policy, a statement of demands and needs may instead be set out in the standard policy documentation or quotation letter.

Quotations may be valid for a specified period and may be subject to requests for additional information as required by insurers, for example, a satisfactory proposal form. Consequently, quotations may be subject to change in respect of the amount of premium indicated and/or the terms and conditions that are applied.

CLAIMS HANDLING ARRANGEMENTS

You must advise us immediately of all incidents, accidents or omissions, which may result in a claim against your insurance policy. You must do this whether or not you believe there is a liability on your part to other parties. Any correspondence received by you concerning liability or potential liability to others must be passed to us immediately without acknowledgement.

Providing prompt information on incidents or accidents means that your insurers can take any steps that are necessary to protect your interests; failure to do so may cause problems when handling your claim. Your insurance document gives details of whom to contact in the event of a claim.

You will be required to provide us with full details of your claim and we are likely to ask you to complete a claim form to pass to the insurer. We will employ due care and skill if we act on your behalf in respect of any claims.

If our claims department acts on behalf of the insurer in negotiating settlement of your claim, we will inform you of that when you notify us of the claim. In such circumstances other persons from within our organisation will continue to act on your behalf. Full details of these arrangements will be provided in the event of a claim occurring.

COMPLAINTS AND COMPENSATION

We are dedicated to providing you with a high level of service at all times, but if you are not satisfied, please contact any of our staff. In the event that you remain dissatisfied and wish to make a complaint, you should contact:

Mr M Burke, CEO, GJIS (Europe) Limited, 30 Allen Park Drive, Stillorgan, Co Dublin. Tel: 01 288 4961

Upon receipt of an oral complaint, we will provide the option to have the complaint addressed through the firms established complaints procedure. We will permit and facilitate submission of complaints in writing by post and by electronic means. We will acknowledge your complaint in writing within 5 working 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 working 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 complaint’s procedure is available on request.

COMPENSATION SCHEME

We are members of the Investor Compensation Scheme operated by the Investor Compensation Company Ltd. See below for details.

INVESTOR COMPENSATION SCHEME

The Investor Compensation Act, 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances, of compensation to certain clients (known as eligible investors) of authorised investment firms, as defined in that Act.

The Investor Compensation Company Ltd. (ICCL) was established under the 1998 Act to operate such a compensation scheme, and our firm is a member of this scheme.

Compensation may be payable where money or investment instruments owed or belonging to clients and held, administered or managed by the firm cannot be returned to those clients for the time being and where there is no reasonably foreseeable opportunity of the firm being able to do so.

A right to compensation will arise only:

If the client is an eligible investor as defined in the Act; and

If it transpires that the firm is not in a position to return client money or investment instruments owned or belonging to the clients of the firm; and

To the extent that the client’s loss is recognised for the purposes of the Act.

Where an entitlement to compensation is established, the compensation payable will be the lesser of:

90% of the amount of the client’s loss which is recognised for the purposes of the Investor Compensation Act, 1998; or Compensation of up to €20,000.

For further information, contact the Investor Compensation Company Ltd. at (01) 224 4955.

BROKERS IRELAND CLIENTS’ COMPENSATION AND MEMBERSHIP BENEFITS SCHEME (BIC)

We are also members of the Brokers Ireland Clients’ Compensation and Membership Benefits Scheme (BIC). Subject to the rules of the scheme the liabilities of its members firms up to a maximum of €100,000 per client (or €250,000 in aggregate) may be discharged by the fund on its behalf if the member firm is unable to do so, where the above detailed Investor Compensation Scheme has failed to adequately compensate any client of the member. Further details are available on request.

PAYMENT OF PREMIUMS

Payment for insurances is due immediately on presentation of an invoice, unless otherwise agreed in writing by a director of GJIS (Europe) Ltd. We will accept payment of premiums by cheque, or you may be able to spread your payments through an insurer's instalment service or by using a credit scheme that we operate or that we may introduce you to through a finance provider.

We will give you information about your payment options when we provide an insurance quotation. For any mid-term alteration to an existing policy immediate payment is required upon receipt of our invoice unless otherwise agreed.

If payment is not received in accordance with our stated terms We will exercise our legal rights to receive payments due to us from clients (fees and insurance premiums) for services provided. In particular, without limitation to the generality of the foregoing, the firm will seek reimbursement for all payments made to insurers on behalf of clients where the firm has acted in good faith in renewing a policy of insurance for the client.

Product producers may withdraw benefits or cover in the event of default on payments due under policies of insurance or other products arranged for you. We would refer you to policy documents or product terms for the details of such provisions.

OUR REMUNERATION

We endeavour to provide our clients with an excellent service in shopping the market for the best deals available, having consideration to the level of cover, the particular conditions/endorsements, the suitability of the product and the premium to be paid. We are remunerated by a combination of fees and commission. Fees are non-refundable and are charged on all new policies, policy renewal, mid-term alteration, cancellation and premium rebates, subject to a minimum charge of €25. We reserve the right to amend these fees should the complexity of the product & service require a higher fee. We may receive commission in respect of the administration and set up of credit agreements. Our brokerage fees will be communicated to you at all times and will be clearly set out in our documentation to you.

Product	Maximum Fee	Subject to Minimum
Private Motor, Light Commercial Vehicle, Household and other Personal Insurance products	30% of the Premium	€50
Commercial Insurance	50% of the Premium	€100

Subject to prior agreement with the client, we may charge our fees based on an hourly rate of our executives’ time rather than by reference to the policy premium. The current rates are as follows:

• Directors, Managers, Senior Account Executives: €300.00 per hour / Account Executives, Support Staff: €150.00 per hour

ALTERNATIVE FEE STRUCTURE

Subject to prior agreement with the client, we may charge our fees based on an hourly rate of our executives’ time rather than by reference to the policy premium. The current rates are as follows:

• Directors, Managers, Senior Account Executives: €300.00 per hour / Account Executives, Support Staff: €150.00 per hour

HANDLING CLIENT AND/OR INSURER MONEY

We hold money collected from you for onward transmission to the insurer, and return premiums/credits/claim payments from insurers, in a Client Bank Account under a Non-statutory Trust in accordance with the authorisation we have from the Financial Conduct Authority to do so. Such money is either client money held on your behalf, or insurers' money held on behalf of insurers in accordance with a written agency agreement.

The aim of the trust is to protect you in the event of the failure of GJIS (Europe) Ltd, or the failure of the bank or third party at which the money may be held. In such circumstances, our general creditors should not be able to make claims on client money as the money does not form part of our assets. Under the trust we are entitled to and may use client money held on behalf of one client to pay another client's premium before the premium is received from that other client, and to pay claims and premium refunds to another client before we receive payment from the insurer. However, we are not entitled to withdraw commission in respect of your policies before we receive your premium. For the purpose of some transactions, client money may pass through other authorised intermediaries before it is received by the insurance undertaking.

CLIENT MONEY

Except for premium payments held for insurers under risk transfer agreements (see below), we will treat any money which we receive from you or hold for you in the course of or in connection with the services we provide under these Terms of Business as Client Money in accordance with the Central Bank legislation. We shall cease to treat money as Client Money, if it is paid:

to an insurer in respect of premiums due under a contract of insurance
to us in respect of fees, charges or expenses due;
to you, your duly authorised respective or your bank account; or
to a third party on your instructions.

PREMIUMS HELD FOR INSURERS (RISK TRANSFER)

We have agreed with certain insurers to collect and hold premiums from you as agents of the insurers. Therefore, once we have collected premiums from you, under the terms of our agreements with insurers those premiums are treated as being paid to the insurer. Money held by us in this way will be treated as belonging to the insurer; it will not be client money. We will remit the premiums to insurers, after deduction of any commission due to us, in accordance with the terms of our agreements with insurers.

INTEREST

Interest will not be paid to clients in respect of money held in client bank accounts.

RENEWAL OF YOUR POLICY

In good time before the expiry of your policy, we shall endeavour to contact you regarding the renewal of your policy and to advise you of the renewal premium and terms for the coming year identifying any changes. When we send the renewal terms to you we will explain how you can renew your insurance contract and how the premiums can be paid. If you do not wish to renew the policy, please let us know as soon as possible. If you pay by installments you should also cancel your direct debiting instruction with your bank prior to the renewal date.

REGULAR REVIEWS

It is in your best interests that you review, on a regular basis, the products which we have arranged for you. As your circumstances change, your needs will change which may result in you having insufficient insurance cover and/or inappropriate investments. We would therefore advise that you contact us to ensure that you are provided with up-to-date advice and products best suited to your needs.

YOUR RESPONSIBILITIES

You have a duty and general requirement to disclose facts ‘that are material to the prudent insurer’ AND in particular you must be sure that the information stated herein is a Fair Presentation of Risk.

The intention is that YOU and US disclose all relevant information before the insurance contract or any change in cover commences. All parties are encouraged to make sure it is clear as to what information the insurance contract will be based on taking into account the following criteria:

Disclosure of every material circumstance which YOU know or should know or which provided the Insurer with sufficient information to allow them to make further enquiries to reveal those material circumstances.
Disclosure must be reasonably clear and accessible to the underwriter
That every material presentation is substantially correct and made in good faith

All information provided to the insurer at the time the contract is entered into, will form the basis of the risk presentation, when considering whether it was fair. This relates to any initial presentation and any subsequent information provided e.g., in response to additional question by Underwriter.

Failing to disclose any information material to the insurance could affect settlement of any claim. You should check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign. You should read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention should be paid to any conditions that apply as failure to comply with them could impact upon any claim you make.

You should take note of the required procedures in the event of a claim, which will be stated in the policy documentation. Generally, insurers require immediate notification of a claim or circumstances that might lead to a claim.

You should inform us immediately of any changes that may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, please contact us for guidance.

YOUR RESPONSIBILITIES - CONSUMERS: DUTY OF DISCLOSURE WHEN COMPLETING DOCUMENTATION FOR NEW BUSINESS/RENEWALS AND MIDTERM ADJUSTMENTS

You are required to answer all questions posed by us or the insurer honestly and with reasonable care.

Before inception or renewal of the contract of insurance, specific questions will be asked. Again, you will be required to answer honestly and with reasonable care. Where you do not provide additional information (after being requested to do so) it can be presumed that the information previously provided remains unchanged.

Failure to answer all questions honestly and with reasonable care can result in the Insurer being able to rely on proportionate remedies for misrepresentation, which include but are not limited to the insurer voiding the contract of insurance. If a policy is cancelled by an insurer for any reason including payment default you may encounter difficulty in purchasing insurance in the future.

Completed proposal forms/statement of fact

Completed proposal forms or Statement of Facts will be provided to you, these are important documents as they form the basis of insurance contract between the insurer and you the consumer. You should review and confirm that the answers contained within are true and accurate

CANCELLATION OF INSURANCES

You must make any request for the cancellation of a policy in writing. Any relevant certificate must be returned to us. The terms of your policy may allow insurers to retain the premium in full, retain a minimum premium or charge short-period or pro rata premiums in the event of cancellation. Please see your summary of cover or policy documentation. For the avoidance of doubt, once our remuneration has been earned, in the event of mid-term cancellation, our fees, brokerage or commission will not normally be returned.

CONFLICTS OF INTEREST

Occasions can arise where we or one of our product providers will have a potential conflict of interest with business being transacted for you. If this happens and we become aware that a potential conflict exists, we will write to you to detail the steps we will take to ensure fair treatment and obtain your consent before we carry out your instructions.

TERMINATION OF AUTHORITY

You may terminate our authority to act on your behalf with 14 days notice, or as otherwise agreed, without penalty. Notice of this termination must be given in writing and will take effect from the date of receipt. Termination is without prejudice to any transactions already initiated which will be completed according to these terms of business unless otherwise agreed in writing. You will be liable to pay for any transactions or adjustments effective prior to termination and we will be entitled to retain any and all brokerage payable in relation to policies placed by us prior to the date of termination.

MONEY LAUNDERING/PROCEEDS OF CRIME ACT

Money laundering regulations require us to obtain evidence of the identity of clients for whom we act at the start of a business relationship. This might, for example, be sight of a current signed passport and two utility bills. For companies (other than listed ones) evidence of identity will usually comprise of certificate of incorporation, a list of directors, a list of shareholders and the registered address.

We are obliged to report any evidence or suspicion of money laundering at the first opportunity and we are prohibited from disclosing any such report.

Claims payment will be made in favour of you. If you require a payment to be made to a third party then you must confirm the required payee name and details and provide a brief explanation for your request.

ACCESS TO YOUR RECORDS BY INSURERS

Under the terms of the majority of insurers’ agency agreements, we may be obliged to provide insurers with access to records and/or documents we maintain on your behalf. You acknowledge this situation and consent to the provision of such information to Insurers where they have a contractual right to it unless you advise us to the contrary by writing to us at the above address.

LAW APPLICABLE TO THIS AGREEMENT

Unless specifically agreed to the contrary, this agreement shall be subject to the laws of the Republic of Ireland

YOUR ACCEPTANCE OF THESE TERMS OF BUSINESS

By instructing us to place insurance on your behalf you give your informed consent for these Terms of Business. If there are any matters which you do not understand, or do not accept, you should discuss them with us before proceeding.

GJIS (Europe) Limited

30 Allen Park Drive

Stillorgan

Co Dublin

A94 H281

Ireland

Tel: +353 (0)873772154

E-mail: insurance@gjis.ie Web: www.gjis.ie

DATA PROTECTION NOTICE

We respect your trust in us to use, store and share your information. In this notice, we explain how we collect personal information about you, how we use it and how you can interact with us about it. ‘Personal Information’ is information about you and other individuals that identifies or makes an individual identifiable.

Before providing us with Personal Information about someone else, please inform them about this Privacy Policy and (where necessary) get their permission to share their Personal Information.

We try to keep this notice as simple as possible but if you are unfamiliar with our terms, or want more detail on any of the information here, please refer and go to www.gjis.ie to view and read the full terms of Business. You may also contact us directly for more details, as required.

1. Who we are

In this notice, 'we', 'us' and 'our' refers to GJIS (Europe) Limited, a company registered in Ireland under company number 641552, including its trading name Global Jewellery Insurance Services. We are the data controller and are responsible for, and control, the processing of, your Personal Information, in accordance with the General Data protection Regulation and Data Protections Act 2018 (‘GDPR’/ ‘Act’)

2. Contact us

We welcome your feedback and questions about this Policy. If you wish to contact us please email our Representative, with overall responsibility for data protection, at data@gjis.ie or call us +353 (0)873772154

3. How we collect information about you

When you visit our website (at https://www.gjis.ie), make an enquiry, post on our discussion forum, respond to a survey or register with us we may collect some basic information about you, such as your name, contact details and a record of any communications, for the purpose of responding to any query raised or comment made. We also collect statistical data about your browsing actions and patterns. This means information about your computer and your use of our Services, including (where available) your IP address, unique mobile device identifier (UDID), Android ID, device MAC address, browser information, operating system, timestamps, the pages that you request, applications downloaded, traffic data, location data, weblogs and other communication data, and the resources that you access. This will help us make our website work better for you. We will not use this information to identify you.

In addition, we collect Personal Information from you and other third parties (including your family, members, trade associations, your employer, credit reference agencies, anti- fraud and other databases, government agencies (DVLA, HMRC), and third parties to a claim (witnesses, experts, loss adjusters, legal representatives etc.), in order to provide insurance quotes, administer insurance policies and/ or deal with any claims or complaints and to provide you with access to our online services (‘Services’). The types of information we collect includes:

Personal details (including name, gender, marital status, date of birth, nationality, account login, photos or CCTV footage of your premises)
Contact details (including residential address, email address, phone number)
Identification numbers (including national insurance number, passport number)
Financial information (including, account details, payment card details, the value of assets insured)
Policy details (including details of the quotes you obtain and policies you purchase)
Credit and anti-fraud data (including credit history/ score, information from anti-fraud data bases)
Claims information (including details of previous or current claims for both related and unrelated insurance products)
Risk details (including information about you we need to collect to assess the risk to be insured and any responses to risk assessment surveys)
Communications (including a record of all correspondence (telephone conversations/ emails etc.)

In certain circumstances we may need to process special categories of data (i.e. details of your health/ physical injuries) and/ or criminal convictions (i.e. driving offences) to assess the risk to be insured and/ or process a claim. We will only process this information where necessary and on the basis of the below legal basis.

4. How we use your information

To provide our products and Services under the terms and conditions we agree between us, we need to collect and use personal information about you. If you do not provide this personal Information we may not be able to provide you with our products and Services.

In accordance with the GDPR/ Act, we may only process your Personal Information if we have a ‘legal basis’ (i.e. legally permitted reason) for doing so. For the purposes of this Policy, our legal basis for processing your Personal Information is set out in the table below.

Why we will process your Information	The legal basis for which is…
To answer your questions, respond to posts on the discussion forum, improve our website and to ensure that our website is presented in the most effective manner for you.	This is necessary for the legitimate interests we pursue in keeping our website up to date and competitive and responding to any ad-hoc enquires/ comments, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights. Where an enquiry relates to a Service (i.e. a contract of insurance) this processing may be necessary for the performance of a contract.
To arrange, underwrite and administer your contract of insurance, namely: Setting you up as a client Understanding your insurance needs to offer you an appropriate policy of insurance Evaluating risks to match you to an appropriate policy/ premium Amending your policy Client care- providing you with updates on your policy Collecting payment of premiums We may process details of your / your employee’s or agent’s home address, security and vehicles where they will carry sample stock.	This processing is necessary for the performance of a contract between us and information is processed to enable us to offer a quotation, arrange and administer a contract of insurance. Outside of such, this processing is necessary for the legitimate interests we pursue in ensuring that the policyholder is within our acceptable risk profile and to collect any monies due to us, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights and freedoms
To process any claim under or arising out of your insurance policy or our Services.	This processing is necessary for the performance of a contract between us and information is processed to enable us to provide claims services to you. Outside of such, this processing is necessary for the legitimate interests we pursue is defending or advancing a claim, subject to you raising an objection, requiring us to check that our interest is not over ridden by any risk to your rights. Further, where a claim becomes litigated this processing may be necessary to comply with our legal obligations
To analyse and create a profile for general risk modelling and underwriting (where these reports are shared with third parties your personal information (data that makes you as an individual identifiable, will be removed)	This processing is necessary for the legitimate interests we pursue to build risk models that allow acceptable risks for an appropriate premium, subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights
To comply with our legal or regulatory obligations. Including, identity and other verification checks, anti-money laundering, anti-fraud, counter-terrorist.	This processing is necessary to comply with our legal obligations.
To contact you for marketing purposes (see the marketing section below for further details)	This processing is necessary for the legitimate interest we pursue in marketing other products and services we offer subject to you raising an objection, requiring us to check that our interest is not overridden by any risk to your rights. We will not share your details with any third parties for the purpose of marketing.

In accordance with the Act, we are able to process your special category data (details of your health) and details of any criminal convictions where it is necessary for an insurance purpose (including advising on, arranging, underwriting or administering a contract of insurance and administering a claim under a contract of insurance) provided we have established a legal basis for doing so.

Where we are processing your special category data/ details of criminal convictions for an insurance purpose our legal basis is set out in the table above.

We will not process your special category data/ details of your criminal conviction without your explicit consent where it is not necessary for an insurance purpose.

It is important that we keep your personal data accurate and up to date and so we ask you to provide accurate information and inform us of any changes.

5. Profiling

As set out above, your Personal Information may be processed for the purpose of creating general risk profiles. Where special categories of data / criminal conviction data are relevant this may be processed as part of this analysis. If we were to report trends to any third parties any report, we prepare will group the information so that all Personal Information (information that makes you identifiable) is removed. For example, we may produce a risk exposure report on a certain geographical area or postcode.

6. How we keep your information safe

We take appropriate organisational and technical measures to protect your information with security measures under the laws that apply and we meet international standards. We keep our computers, files and buildings secure.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your information transmitted to our Service and any transmission is at your own risk.

When you contact us to ask about your information, if necessary, we may ask you to identify yourself. This is to help protect your Information.

7. How long we keep your information

To meet our regulatory and legal obligations, we collect some of your personal information, verify it, keep it up to date through regular checks, and delete it once we no longer require it for the purpose for which is was originally collected. We may also gather information about you from third parties to help us meet our obligations. If you do not provide the information we need, or help us keep it up to date, we may not be able to provide you with our products and services.

As a guide we usually retain your personal data for around 7 years following expiry of a policy of insurance, completion of a claim, cancellation of your online account or termination of a contract between us. We may be required to retain data for longer periods. If you would like further details of our retention periods, please contact us on the details above.

In the event that a quotation is not taken up, we will retain your data for the purposes of understanding the market in order that we may develop our products to meet the Policyholder’s needs in the future. If you do not wish for us to retain your data please advise us.

8. Marketing

For the purposes of the GDPR/ Act we have a legitimate interest in processing your personal data (name and contact details) for marketing communications. We will only require your consent, in certain circumstances, where we are marketing products and services to you as an individual, not to your business. Circumstances where we may need your consent are outlined below.

Where you have previously ordered products or services from us, unless you have told us not to, we may contact you by telephone, email or post about similar or related products, services, promotions and special offers that may be on interest to you.

In addition, with your consent, we may contact you by telephone, email or post to provide information in relation to other products, services, promotions, special offers and other information we think may be of interest to you.

You have the right at any time to ask us to stop processing your information for direct marketing purposes. If you wish to exercise this right please follow the unsubscribe link on the communications or contact us on the below details, or the relevant third party, giving us or them enough information to identify you and process your request.

Please note that even if you ask not to receive marketing communications, we may still need to send you service messages regarding the Services.

9. Your information and third parties

Sometimes we share your information with third parties. For example, to:

enable us to provide products, services and information;
analyse information;
research your experiences dealing with us;
collect debts;
sell your debts;
sell whole or part of our business;
prevent financial crime;
help trace, investigate and recover funds on your behalf;
trace information; and protect both our interests;
where we are obliged, or permitted, to do so by applicable law, regulation or legal.

In addition, we may share your details with third parties to effectively provide our Services, including:

existing claims handlers;
legal representatives;
loss adjusters;
insurances and re-insurance providers;
insurance brokers and intermediaries;
·our supplier and sub-contractors for the performance of ant contract we may have with them.

In order to process your application we may supply your personal information to credit reference agencies (CRAs) and they will give us information about you such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity. We may also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations.

Your data may also be linked to the data of your spouse, any joint applicants or other financial associates.

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money - laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.

Further details of the CRA's and fraud prevention agencies, and how they process your information can be ascertained by contacting our offices.

Where required by the GDPR/ Act we will ensure that relevant contractual protections are in place with these third parties to ensure they have the same levels of information protection that we have.

We also have to share information with third parties to meet any applicable law, regulation or lawful request. When we believe we have been given false or misleading information, or we suspect criminal activity we must record this and tell law enforcement agencies, which may be either in or outside the UK.

I0. International transfer of data

We may transfer your personal information outside of the European Economic Area (EEA) to help us provide your products and services. It may also be processed by persons operating outside the EEA who work for us, one of our associated companies or a third party engaged by us. Such countries may not have similar protections in place regarding protection and use of your data. We will take all steps reasonably necessary to ensure the security of your Personal Information i.e. where approved contractual clauses are agreed.

11. Your rights

This section sets out the legal rights of individuals in respect of the Personal Information we are holding and/or processing. If you wish to exercise any of your legal rights you should put your request in writing to us (using our contact details below) giving us enough information to identify you and respond to your request.

We can help you with/ you have the right to:

Access your personal information. You can ask us for a copy of the personal information we hold. You can ask us about how we collect, share and use your personal information. Most requests will receive a response within one month of receipt of a valid request; those which are more complex or numerous may take up to three months. You may not be entitled to see all of the information about you if an exemption applies.
Rectification of inaccurate Personal Information. if the personal information that we hold about you is incorrect, you have the right to ask us to amend it. Taking into account the purposes of the processing of personal data, the data can be rectified or, if data is incomplete, completed.
Withdraw consent: You can change your mind wherever you give us your consent, such as for direct marketing, or using your sensitive information, such as medical or biometric data.
The right to erasure – in certain circumstances you have the right to request that the personal data held about you is deleted or removed. The GDPR outlines specific circumstances when this right applies; including: where data is no longer needed for the purposes for which it was collected. There are certain exemptions to the right; including: when processing is necessary to comply with a legal obligation.
The right to restrict and/ or object to processing – in certain circumstances you are entitled to restrict or object to the processing of personal data; this includes: where you contest the accuracy of the data or you object to our legitimate interests in processing your personal data. If this right is exercised, any further processing of your data will take place only in circumstances in which the GDPR allows such processing to take place.
The right to data portability – in certain circumstances you have the right, on request, to ask us to provide a copy of the personal data that you have previously supplied to us, i.e. where the processing is by automated means and you wish to transfer to a new service provider.
If you seek to exercise a right under the relevant law and we consider an exemption is applicable (or the relevant right is not exercisable), we will explain this to you in as clear a way as we can.

12. Cookies

We use cookies and similar technologies such as local storage within our apps to provide and optimise our Services. You can control which cookies you get and which you keep on your device through your browser settings. Unless you have adjusted your browser settings so that it will refuse our cookies, our system will issue cookies when you visit our website. However, if you do not accept cookies you may not be able to take advantage of many of the special features of the Services.

You can find out more about internet advertising by visiting the following websites: www.allaboutcookies.org, www.yourchoicesonline.eu, and www.networkadvertising.org. Some of these sites enable you to opt out of online behavioral advertising and other tracking cookies (in addition to the control settings on your browser).

13. Making a complaint about the use of your personal information

If you have a complaint about the use of your personal information, please let a member of staff know, giving them the opportunity to put things right as quickly as possible.

If you wish to make a complaint you may do so in person, by telephone, in writing and by email. Please be assured that all complaints received will be fully investigated. You can register a complaint, using the contact details above. We ask that you supply as much information as possible to help us resolve your complaint quickly.

You also have the right to make a complaint to the Data Protection Commission, Canal House, Station Road, Portarlington, Co. Laois info@dataprotection.ie or 076 1104800 or lo call 1890 252 231

14. Updates to this notice

We will make changes to this notice from time to time, particularly when we change how we use your information, and change our technology and products.

You can always find an up-to-date version of this notice on our website at www.gjis.ie/data-protection