Privacy Policy

Privacy Notice

Complete Financial Innovative Solutions Limited trading as Complete Solutions  |  Last reviewed: October 2026

Complete Financial Innovative Solutions Limited trading as Complete Solutions is committed to protecting and respecting your privacy. We want to be open about how we use your personal data and to make sure you understand your rights.

For the purposes of the General Data Protection Regulation (Regulation (EU) 2016/679) (GDPR) and the Data Protection Act 2018, the data controller is Complete Financial Innovative Solutions Limited trading as Complete Solutions, Unit C, Daneswell Business Park, Monksland, Athlone, Co. Roscommon. Telephone +353 87 645 8756. Email admin@completesolutionsfs.com. When we say “we” or “us” in this notice, we mean Complete Financial Innovative Solutions Limited trading as Complete Solutions.

Please read this Privacy Notice carefully. It explains how we will use any personal data we collect from you, or that you give to us.

Who we are

Complete Financial Innovative Solutions Limited, trading as Complete Solutions is regulated by the Central Bank of Ireland. Our Central Bank reference number is C502598. We are a financial advice firm. We provide advice on, and arrange, pensions, life assurance and protection, savings and investments. We can also arrange mortgages through our appointment with Brokers Ireland Network Services Limited. Our Terms of Business give full details of our services.

Our data protection contact can be reached directly:

How we collect your information

We collect personal data when you:

• ask us for advice or a service, for example when we complete a fact find with you at a meeting, by phone or by email;
• apply for a pension, life assurance, protection, savings, investment or mortgage product through us;
• visit our website or contact us through it;
• contact us with a query or a complaint.

We also collect information about you from other people, with your permission or where the law allows. This includes your current or former employer, pension scheme administrators and trustees, and your existing product producers (usually under a letter of authority you sign), lenders, and publicly available sources such as the Companies Registration Office. Where you give us information about other people, such as your spouse, partner, children or beneficiaries, please make sure they know you are sharing it with us and point them to this notice.

What information we collect

We only collect the information we need to advise you and to arrange and manage your products. Depending on the service, this may include:

1. Contact and identity details: name, address, telephone numbers, email address, date of birth, photo identification and proof of address.
2. Unique identifiers: your PPS number, which product producers and Revenue need for pension and tax reporting, and your existing policy and pension scheme reference numbers, which we need to obtain information about and manage your plans.
3. Personal and family details: marital or civil status, dependants, nominated beneficiaries, details of any power of attorney or enduring power of attorney, and contact details of your solicitor, accountant or tax adviser.
4. Employment details: employer, job title, employment status, salary, length of service, employment benefits and, where relevant, details of a redundancy or termination package.
5. Pension and benefit details: current pension benefits and entitlements, statements of options, retirement dates, additional voluntary contributions, and any matters affecting your benefits, such as a Pension Adjustment Order.
6. Financial details: income, assets, liabilities, outgoings, tax details, bank account details for payments into or out of your products, your attitude to investment risk and your capacity for loss.
7. Health information: where you apply for life assurance, serious illness cover, income protection or mortgage protection, information about your health, medical history and lifestyle (for example, smoking and alcohol use).
8. Checks we are required to carry out: the results of anti-money laundering, sanctions and politically exposed person checks.
9. Online information: technical information about your visits to our website and your communications with us by email.

How we use your personal data

We use your personal data to:

1. give you advice and arrange the products and services you ask for;
2. meet our legal and regulatory obligations, including anti-money laundering and sanctions checks, completing a fact find so that we know you, assessing the suitability of our advice under the Consumer Protection Code, and keeping proper records;
3. manage and service your products, including dealing with transfers, retirement options, queries and changes you ask us to make;
4. help you make a claim on a policy we arranged for you;
5. contact you and respond to your questions;
6. handle any complaint you make;
7. tell you about changes to our services or terms; and
8. send you information about our services, but only where you have given us your consent. You can withdraw that consent at any time.

Our legal basis for using your data

We must have a lawful basis to use your personal data. We rely on the following:

If you would like more information about the basis we rely on for any particular use of your data, please contact us.

Special categories of personal data

Health information is a special category of personal data and needs extra protection. Where we collect it, we will either get your explicit consent or rely on the Data Protection Act 2018, which allows special category data to be processed for insurance and pension purposes, with suitable and specific measures in place to protect your rights. This applies to policies of life assurance, health-related insurance such as serious illness and income protection, occupational pensions, retirement annuity contracts and other pension arrangements, and the mortgaging of property.

Who we share your data with

We only share your data where it is necessary, and only the information the other party needs. We may share your data with:

1. product producers and lenders, so that they can provide quotes, underwrite and issue your policy or loan, and manage your product. Each has its own privacy notice, available on its website;
2. pension scheme administrators, trustees, employers and existing product producers, where you ask us to obtain information about your benefits or to arrange a transfer;
3. medical professionals, through the product producer, where health information is needed for an application or a claim;
4. the Central Bank of Ireland, Revenue, the Financial Services and Pensions Ombudsman, the Data Protection Commission, An Garda Síochána and other public bodies, where we are required to by law or regulation;
5. our auditors, compliance advisers, legal advisers and professional indemnity insurers, where necessary for audits, regulatory compliance, or to deal with a complaint or legal claim; and
6. service providers who process data on our behalf, such as our IT support, email and cloud storage providers, and the software we use to manage client records and research products. They act only on our instructions and we have data processing agreements in place with them.

We do not sell your personal data.

Transfers outside the European Economic Area

Some of our IT, email and cloud service providers may store or access data outside the European Economic Area (EEA). Where this happens, we make sure the transfer is lawful. This means either the European Commission has decided that the country provides an adequate level of protection, or appropriate safeguards are in place, such as the European Commission’s Standard Contractual Clauses. You can ask us for more information about these safeguards.

Keeping your data secure

We have appropriate technical and organisational measures in place to protect your personal data from loss, unauthorised access, misuse, alteration and destruction. Only people who need your data to carry out their work can access it.

How long we keep your data

We retain your personal data in accordance with our data retention policy and applicable legal and regulatory requirements.

In general, client records are retained for at least six years following the completion or discontinuation of a transaction, or from the date we cease providing financial services to you, as applicable.

Where you request a financial service but do not proceed, records are generally retained for 12 months, subject to the applicable consent and data protection requirements.

Certain records may be retained for longer where necessary and justified, including for regulatory compliance, complaints or legal claims.

When your personal data is no longer required, it is securely deleted or disposed of.

Your rights

While we hold or use your personal data, you have the following rights:

• Right of access: you can ask for a copy of the information we hold about you.
• Right to rectification: you can ask us to correct information that is inaccurate or incomplete.
• Right to erasure: in certain circumstances, you can ask us to delete your data. This depends on our other legal obligations, such as record keeping.
• Right to restrict processing: in certain circumstances, you can ask us to limit how we use your data.
• Right to data portability: you can ask us to send your data to you or to another organisation.
• Right to object: you can object to certain types of processing, including direct marketing.
• Rights relating to automated decision-making: you have the right not to be subject to a decision based solely on automated processing that has legal or similarly significant effects on you.
• Right to withdraw consent: where we rely on your consent, you can withdraw it at any time.
• Right to complain: you can complain to the Data Protection Commission (details below).

To use any of these rights, contact us at admin@completesolutionsfs.com or +353 87 645 8756. We will respond within one month. If your request is complex, we may extend this by up to two further months, and we will tell you if we need to. If we cannot meet your request, we will explain why. Where we have shared your data with a third party, we will pass on your request where required.

If you do not provide information

If you do not give us information we need to provide our services, or to meet our legal obligations, we may not be able to advise you or arrange the product you want, and a product provider may not be able to accept your application.

Automated decision-making and profiling

We do not make decisions about you based solely on automated processing. We use risk-profiling questionnaires and tools to help assess your attitude to investment risk. The result is always reviewed by your adviser and discussed with you before we make any recommendation, and you can challenge it. Product producers may use automated underwriting when assessing an application. Their privacy notices explain how they do this.

Complaints

If you are unhappy with how we have handled your personal data, please contact our data protection contact using the details above, and we will try to resolve it.

You also have the right to complain to the Data Protection Commission. The Commission asks that complaints are made in writing, preferably through the online form on its website.

Contact us

If you have any questions about this Privacy Notice or how we use your data, please contact us at Unit C, Daneswell Business Park, Monksland, Athlone, Co. Roscommon. Telephone +353 87 645 8756. Email admin@completesolutionsfs.com.

Changes to this Privacy Notice

We review this Privacy Notice regularly. When we update it, we will publish the new version on our website at www.completesolutionsfs.com/privacy-policy, and changes take effect from the date they are published. If we make a significant change, we will tell you. This Privacy Notice was last reviewed in October 2026.