Privacy Policy

NestEgg Savings, located at 18 Oliver Plunkett Street, Cork, T12 W7CV, Ireland, is the data controller responsible for the personal data described in this Privacy Policy. We are committed to protecting your privacy and handling your personal data in accordance with the General Data Protection Regulation (Regulation (EU) 2016/679, "GDPR") and the Irish Data Protection Acts 1988–2018. This policy explains what personal data we collect, why we collect it, how we use it, and the rights available to you.

1. Who we are

NestEgg Savings provides financial guidance services, helping households across Cork and Ireland reduce unnecessary expenses and build emergency savings. For the purposes of applicable data protection law, NestEgg Savings determines the purposes and means of processing your personal data and acts as the data controller.

If you have any questions about this policy or wish to exercise your rights, you can contact us at info@nesteggsavings.com or by post at NestEgg Savings, 18 Oliver Plunkett Street, Cork, T12 W7CV, Ireland. You can also call us on +353 21 342 8088.

2. What personal data we collect

We collect and process the following categories of personal data:

• Identity and contact data: your name, email address, telephone number, and postal address when you request a quote, subscribe to our guides, or contact us.
• Enquiry data: the content of your messages, including any financial information you choose to share about your savings goals, income range, or household circumstances.
• Technical data: internet protocol (IP) address, browser type and version, device type, operating system, referring pages, and pages visited on our website.
• Usage and preference data: information about how you use our website, including time spent on pages, and your cookie preferences.
• Marketing and communications data: your preferences for receiving newsletters, savings guides, and other communications from us.

We do not knowingly collect personal data from children under 16, and we do not request sensitive financial account numbers, passwords, or payment card details through our website.

3. How we collect your data

We collect personal data through:

• Information you provide directly via our contact forms, quote requests, email correspondence, or telephone calls;
• Automated technologies and interactions when you browse our website, including cookies and similar tracking technologies (see our Cookies Policy for further details);
• Third-party analytics providers acting on our behalf, subject to your cookie consent choices.

4. Purposes and legal bases for processing

We process your personal data only where we have a valid legal basis under GDPR:

Purpose	Categories of data	Legal basis
Responding to enquiries and providing quotes	Identity, contact, and enquiry data	Performance of a contract or steps prior to entering into a contract (Art. 6(1)(b) GDPR)
Providing financial guidance services	Identity, contact, and enquiry data, including financial information you share	Performance of a contract (Art. 6(1)(b) GDPR)
Website analytics and improving our services	Technical and usage data	Consent (Art. 6(1)(a) GDPR), withdrawable at any time via our cookie banner
Sending newsletters and savings guides	Identity, contact, and marketing preference data	Consent (Art. 6(1)(a) GDPR)
Keeping records, defending legal claims, and complying with legal obligations	All categories as relevant	Legal obligation (Art. 6(1)(c)) and legitimate interests (Art. 6(1)(f) GDPR)
Ensuring website security and preventing misuse	Technical data	Legitimate interests (Art. 6(1)(f) GDPR)

5. Cookies and similar technologies

Our website uses essential cookies that are necessary for its operation, and optional analytics and marketing cookies that are set only with your consent. When you first visit the site, a cookie consent banner allows you to accept all non-essential cookies, reject them, or save your individual preferences. You may change your preferences at any time by clearing your browser cookies and revisiting the site, which will display the banner again. For full details of the cookies we use, please read our Cookies Policy.

6. Sharing your personal data

We do not sell or rent your personal data. We share it only with:

• Service providers: trusted third parties who host our website, provide email delivery, or supply analytics services, acting as data processors under written contracts with us;
• Professional advisers: accountants, auditors, and legal counsel where reasonably necessary;
• Authorities: An Garda Síochána, the Data Protection Commission, or other bodies where we are legally required to disclose information.

Where service providers are located outside the European Economic Area (EEA), we ensure transfers are protected by an adequacy decision of the European Commission or, where none exists, by Standard Contractual Clauses approved by the European Commission together with appropriate supplementary safeguards.

7. Data retention

We retain personal data only as long as necessary for the purposes for which it was collected:

• Enquiry and quote data: up to 24 months from your last interaction with us, unless you become a client;
• Client records: up to seven years after the end of our engagement, in line with Irish record-keeping requirements;
• Marketing data: until you withdraw consent or request deletion;
• Technical and analytics data: typically up to 26 months;
• Cookie consent records: up to 12 months.

In some cases we may retain data for longer where required to establish, exercise, or defend legal claims.

8. Your rights under GDPR

You have the following rights in relation to your personal data:

• Right of access — to obtain confirmation that we process your data and a copy of it;
• Right to rectification — to have inaccurate or incomplete data corrected;
• Right to erasure — to have your data deleted where there is no overriding legal reason for us to keep it;
• Right to restriction of processing — to ask us to suspend processing in certain circumstances;
• Right to data portability — to receive your data in a structured, commonly used, machine-readable format and have it transmitted to another controller;
• Right to object — to processing based on legitimate interests or for direct marketing purposes, including profiling;
• Right to withdraw consent — at any time, where processing is based on consent, without affecting the lawfulness of prior processing;
• Rights related to automated decision-making — we do not carry out automated decision-making or profiling that produces legal effects concerning you.

To exercise any of these rights, contact us at info@nesteggsavings.com or write to NestEgg Savings, 18 Oliver Plunkett Street, Cork, T12 W7CV, Ireland. We will respond within one month of receiving your request. This period may be extended by two further months for complex requests, in which case we will inform you within the first month.

If you are unhappy with how we handle your personal data or our response to your request, you have the right to lodge a complaint with the Data Protection Commission, 21 Fitzwilliam Square South, Dublin 2, D02 RD28, Ireland.

9. Security of your data

We apply appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, disclosure, alteration, or destruction. These measures include encrypted connections (HTTPS/TLS), access controls limiting data to personnel who need it, staff training on data protection, and secure storage of records. While no system is completely secure, we review and update our safeguards regularly.

10. Data breach notification

In the event of a personal data breach likely to result in a risk to your rights and freedoms, we will notify the Data Protection Commission without undue delay and, where feasible, no later than 72 hours after becoming aware of the breach. Where the breach is likely to result in a high risk to you, we will also inform you directly.

11. Third-party websites

Our website may reference or link to third-party services for information purposes. This Privacy Policy does not apply to third-party websites, and we encourage you to review the privacy practices of any external site before providing personal data to it.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. The current version will always be published on this page with its last updated date. Where the changes are significant, we will take reasonable steps to bring them to your attention, including by email where appropriate.

13. How to contact us

For any questions, requests, or complaints regarding this Privacy Policy or the processing of your personal data, please contact:

• NestEgg Savings (Data Controller)
• 18 Oliver Plunkett Street, Cork, T12 W7CV, Ireland
• Email: info@nesteggsavings.com
• Telephone: +353 21 342 8088

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