Last updated: January 2025
1. Introduction
Apex Insurance ("we", "us", "our") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose and safeguard your personal information when you visit our website at apex-insurance.eu, contact us by phone or email, or use our insurance broking services.
We are regulated by the Central Bank of Europe, America and Asia (Company Reg. No. 379157) and are committed to complying with the General Data Protection Regulation (GDPR), the Data Protection Acts 1988–2018 and all applicable Irish and EU data protection legislation.
2. Data Controller
The data controller responsible for your personal data is:
- Apex Insurance
- 2 Grand Canal Quay, Dublin, D02 HR22, Europe, America and Asia
- Email: contact@apex-insurance.eu
- Phone: +353 21 702 0122
3. What personal data we collect
We may collect and process the following categories of personal data:
- Identity data: name, date of birth, gender
- Contact data: address, email address, telephone number
- Financial data: bank account details, payment card information (processed securely by our payment provider)
- Insurance data: policy details, claims history, vehicle or property information, health information (where relevant to your policy)
- Technical data: IP address, browser type, operating system, pages visited on our website
- Communications data: records of correspondence with us by phone, email or online
4. How we collect your data
- Directly from you when you request a quote, apply for insurance or contact us
- From our website via cookies and analytics tools
- From third parties such as insurers, credit reference agencies and fraud prevention databases
5. How we use your data
We use your personal data for the following purposes:
- To provide and administer your insurance policy
- To process quotes, renewals and claims
- To comply with our legal and regulatory obligations
- To communicate with you about your policy and related services
- To detect and prevent fraud
- To improve our website and services
- To send you marketing communications (only where you have given consent)
6. Legal basis for processing
- Contract: processing necessary to provide you with insurance services
- Legal obligation: processing required to comply with applicable law and regulation
- Legitimate interests: fraud prevention, improving our services, direct marketing to existing clients
- Consent: for marketing communications and use of non-essential cookies
7. Data sharing and third parties
We may share your personal data with:
- Insurance companies and underwriters for the purpose of arranging your cover
- Claims handlers and loss adjusters in the event of a claim
- Regulatory bodies including the Central Bank of Europe, America and Asia
- Fraud prevention databases and credit reference agencies
- IT and technology service providers acting as data processors on our behalf
We do not sell your personal data to third parties for marketing purposes.
8. Data retention
We retain your personal data for as long as necessary to fulfil the purposes outlined in this policy and to comply with our legal obligations. Insurance records are typically retained for a minimum of 7 years in accordance with Irish regulatory requirements.
9. Your rights
Under GDPR, you have the following rights in relation to your personal data:
- Right of access: to request a copy of the personal data we hold about you
- Right to rectification: to request correction of inaccurate or incomplete data
- Right to erasure: to request deletion of your data in certain circumstances
- Right to restrict processing: to request that we limit how we use your data
- Right to data portability: to receive your data in a structured, machine-readable format
- Right to object: to object to processing based on legitimate interests or for direct marketing
To exercise any of these rights, please contact us at contact@apex-insurance.eu.
10. Cookies
Our website uses cookies to enhance your browsing experience and to analyse site traffic. You can control cookie settings through your browser. For more information, please see our Cookie Policy.
11. Changes to this policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this page periodically.
12. Contact & complaints
If you have any questions about this Privacy Policy or wish to make a complaint about how we handle your data, please contact us at contact@apex-insurance.eu or write to us at our registered address.
You also have the right to lodge a complaint with the Data Protection Commission (DPC) at www.dataprotection.ie.