Version February 2026
Introduction
Know Finance t/a Future Plan Ireland (Future Plan) 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 Know Finance Limited. If you have any questions about your privacy rights or if you would like to change your privacy preferences, you can contact us in the following ways:
• By email at info@futureplanireland.ie
• By phone at 085 783 6677
• If you do not agree with the response you receive from Future Plan you are entitled to lodge a complaint with the Office of the Data Protection Commissioner:-21 Fitzwilliam Square South, Dublin 2 D02RD28
When we refer to we/us, we mean Future Plan Ireland.
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?
KNOW Finance Limited t/a Future Plan Ireland (Future Plan), has been proudly serving our customers in Dublin for over 18 years. Originally the business started trading as Mark Nugent t/a Next Step Mortgages and evolved into KNOW Finance before incorporating in 2015. More information on the activities of KNOW Finance Limited t/a Future Plan is available at www.futureplanireland.ie.
Our Data Protection Officer can be contacted directly here:
· Name Leah Pittam
· Email address leah@futureplanireland.ie
· Phone number 085 783 6677
How do we collect your information and what information do we collect?
The personal information we collect varies depending upon the nature of our services. We will endeavour to provide you with an overview of those categories of personal data our organisation collects and our purpose for using that data.
Our organisation collects personal data in the following ways, if you:
- Request a service from us; such as financial planning, brokering a mortgage, arranging life assurance, pension, investment or savings. register with or use any of our websites or online applications; such as our mortgage and CRM portal Online Applications Life + CRM and Online Applications.
- Contact forms on our website.
- Use our website/apps and it installs cookies or other tracking technologies onto your device.
- Engage with us on social media;
- Contact us with a complaint or query
- Apply for a position with us;
What information we collect about includes the following:
1) Contact and Identifying information, e.g., name, address, contact details; email, mobile, landline
2) Unique identifiers e.g.
- PPS number – the reason why we collect your PPS number is for anti money laundering purposes. The companies we arrange products for require this identifier for you.
- Pension scheme reference number- the reason why we collect this is so we can review your pension data to provide the correct advice.
- Insurance policy numbers, the reason why we collect this is so we can provide a fulsome review of your current situation.
3) Demographic details, age, gender, marital status, lifestyle, and insurance requirements; date of birth, dependents, photo ID, a self-portrait picture (or ‘selfie’) 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
4) 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.
5) 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.
6) Publicly available sources: e.g., Information about you in the public domain such as Director information from the Companies Registration Office.
7) 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. We require this information for life assurance policies and for estate planning purposes.
8) 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, Pension Adjustment Orders, and lump sum entitlements after redundancies.
9) 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.
10) Claims Data (From you and any relevant third parties). The third party companies we work with are currently: New Ireland Assurance, Aviva Life and Pensions, Zurich Life, Irish Life Assurance, Standard Life Assurance, Royal London.
11) Marketing preferences: we will only send you direct marketing if you explicitly consent.
12) Online information: e.g., information about your visits to our websites; please find our Cookie Policy Here: Cookie Policy.
13) Social media information (e.g., likes and posts) with our social media presence; this includes, LinkedIn, Facebook, Instagram.
14) Searches that we undertake in relation to sanctions, money laundering and credit checks. We use Online Applications, Online Applications CRM and AML HQ.
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 here: Cookie Policy
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, financial advice, quotes.
1) 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 as this information is required by the product providers. To provide the correct financial advice, we need a full picture of your personal situation.
2) Statutory and other regulatory requirements – we are required to carry out various obligations which include:
· AML/Sanction checking
· Politically Exposed Person checking
· Knowing your customer “Fact Find”
· Adherence to the Consumer Protection Code
3) Communicate and marketing to you – We communicate by email, via our CRM Online Applications Life + CRM and Online Applications Mortgages. And by phone.
4) Process claims – We act as data processor between you and the company you are making a claim for. Therefore we use the forms and direction of the relevant company at the time of claim.
5) To contact you if required or to respond to any communications that you might send to us.
6) 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.
7) Provide professional services such as financial planning or estate planning.
8) Handling complaints Provide link here.
9) To notify you about changes to our service or our Terms of Business.
Legal Basis
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.
Consent | 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 life assurance policies which includes health data. 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.
Public interest | Our overall purpose for processing data has substantial public interest benefits, e.g., ensuring we put the appropriate policy and product in place.
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.
1) Insurance Partners where we need to manage the services provided to you such as Product Providers and insurance underwriters, reinsurers,. You can refer to their privacy statements on their website for more information about their privacy practices.
New Ireland Assurance https://www.newireland.ie/options/privacy-and-security-policies/
Zurich Life https://www.zurich.ie/privacy-statement/
AVIVA Life https://www.aviva.ie/about-and-support/privacy/
Standard Life https://www.standardlife.ie/privacy
Irish Life https://www.irishlife.ie/ila-privacy-notice/
Royal London Ireland https://www.royallondon.ie/privacy-policy/
2) 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. We use Search 4 Less, AML HQ, Risk questionnaire provided by CRM Online Applications Life + CRM and Online Applications Mortgages
3) 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. These forms are provided by the life assurance company and can change from time to time.
4) 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.
5) 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.
Our CRM & Mortgage application provider is Online Application.
Our Cashflow Planning provider is Voyant.
Our digital signature platform is Docusign/Adobe
Our IT security is MTC Solutions
Our Email Exchange and cloud solution provider is Microsoft
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.
6) Internal and external auditors where necessary for the conduct of company audits or to investigate a complaint or security threat. Our auditors are BeresfordMcArdle Unlimited Company – T/A Dermot O’Malley & Company.
7) 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)).
If we share data in the UK. The EU Commission adopted adequacy decisions for transfers of personal data to the UK. This means that the EU accepts that the UK data protection regime is substantially equivalent to the EU regime and allows personal data to be transferred freely from the EEA to the UK. Therefore, the UK is not deemed a third country.
If you are a member of a scheme or product provided by your employer, where your employer is based in a country outside the EEA (for example, the USA), we may share your data with them, only in relation to your benefits and contract of employment. There is no finding of adequacy of the transfer of data from Ireland to the USA. In the absence of an adequacy decision the GDPR allows the transfer if the controller or processor has provided appropriate safeguards. These safeguards include Standard Contractual Clauses (SCCs). We, the data controller must abide by the SCCs as well as the Recommendations adopted by the European Data Protection Board on measures that supplement the SCCs which will ensure the level of protection provided for within the GDPR.
Security
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.
Retention
Future Plan shall not keep personal data in a form that permits identification of data subjects for a longer period than is necessary.
Future Plan 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.
The retention period for each category of personal data will be set out in our Retention Schedule along with the criteria used to determine this period, including any statutory obligations we have.
Personal data will be disposed of securely.
Data subject rights
Future Plan will facilitate your rights in line with our data protection policy and the, Subject Access Request procedure, available upon request.
Your rights as a data subject
At any point while we are in possession of or processing your personal data, you, the data subject, have the following rights:
- 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.
Complaints
If you wish to make a complaint about how your personal data is being processed by Future Plan or how your complaint has been handled, you have the right to lodge a complaint with our Data Protection Officer.
You may also lodge a complaint with the Data Protection Commission (DPC) in Ireland, whose details are:
Data Protection Commission
21 Fitzwilliam Square South,
Dublin 2.
D02RD28
Web: www.dataprotection.ie
Email: info@dataprotection.ie
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 completing a risk questionnaire which has a series of multiple choice questions. 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.
- Risk Questionnaire
- Life assurance questionnaire for underwriting, where automatic cover might apply
- Quotes for life assurance – Online Applications Life + CRM and Online Applicaition Mortgages.
Financial & mortgage advisors use profiling in their business. The main categories are:
a) Risk profiling.
b) Profiling for marketing purposes.
c) Establishing affordability and providing quotations for financial services and mortgage product.
d) Bankruptcy check.
e) PEP check.
More Information –
a) Risk Profiling
To establish a customer’s attitude to investment risk (relates to pensions and investments) advisors have automated calculators which calculate the customers attitude to various levels of risk having answered a series of questions.
b) 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.
c) 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 (085) 783 6677 or email info@futureplanireland.ie
Your privacy is important to us. If you have any comments or questions regarding this statement, please contact us on (085) 783 6677 or email info@futureplanireland.ie
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 March 2026