PRIVACY POLICY

Effective Date: August 2025
Callaghan Financial Services (“we”, “us”, “our”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website or otherwise interact with us.

By using our website and services, you consent to the practices described in this policy.

1. Who We Are
Callaghan Financial Services is a financial consultancy based in Spain. We offer expert advice and services in:

• Cross-border financial planning
• QROPS and pension advice
• Retirement planning
• Wealth preservation and estate planning
• Investment solutions

We are a data controller under the General Data Protection Regulation (EU GDPR) and relevant Spanish data protection laws.

Contact Details:
Callaghan Financial Services
Centro Comercial Rioja,
C. Magallanes, 18 / 137, local 6,
03189 Dehesa de Campoamor,
Alicante, Spain

Email: QROPS@MSN.COM
Tel: +34 698 243 745

2. Information We Collect
We may collect and process the following types of personal data:

a. Information You Provide Directly

• Full name
• Email address
• Phone number
• Postal address
• Financial details relevant to services we provide
• Identification documents (for regulatory compliance)
• Employment, pension, or income details

b. Information We Collect Automatically

• IP address
• Browser type and version
• Device data and location (where applicable)
• Pages visited and time spent on our website
• Cookies and usage data (see Section 8)

c. Information from Third Parties

• Financial institutions or pension trustees
• Regulatory or legal bodies
• Public or professional sources

3. How We Use Your Information
We may use your personal data for the following purposes:

• To provide you with financial services
• To respond to inquiries or consultations
• To manage our client relationships
• To comply with legal obligations (e.g., anti-money laundering checks)
• To improve our services and website
• To send marketing or informational material (if you consent)
• To manage risk, security, and fraud prevention

4. Legal Bases for Processing
We rely on the following legal grounds to process your data:

• Consent – when you have given clear consent for us to use your data
• Contractual necessity – where processing is needed to fulfil a service
• Legal obligation – to comply with laws in Spain or the EU
• Legitimate interests – such as improving service delivery, provided this does not override your rights

5. Sharing Your Information
Your personal data may be shared with:

• Regulatory authorities in Spain and the EU
• Professional advisers and legal representatives
• Third-party technology and hosting providers
• Financial platforms or trustees where required to deliver services
• Compliance verification providers

We never sell your data and only share it where necessary and lawful.


6. International Data Transfers
If your personal data is transferred outside the European Economic Area (EEA), we ensure appropriate safeguards are in place, such as:

• EU Standard Contractual Clauses
• Adequacy decisions under EU law
• Binding corporate rules (where relevant)

7. Data Retention
We retain personal data only for as long as necessary:

• To deliver our services
• To comply with legal obligations in Spain
• To resolve disputes or enforce agreements

In most cases, financial data will be retained for at least 6 years, in accordance with Spanish legal requirements.


8. Cookies and Website Tracking
Our website uses cookies and tracking tools to:

• Monitor and improve website performance
• Ensure security and user experience
• Track preferences and engagement

You can control cookies through your browser settings. For more details, please refer to our Cookie Policy or contact us directly.


9. Your Data Rights
Under the EU GDPR, you have the right to:

• Access – obtain a copy of the personal data we hold about you
• Rectify – request correction of inaccurate or incomplete data
• Erase – request deletion of your data, where applicable
• Restrict – limit the processing of your data
• Data portability – request the transfer of your data to another service
• Object – to certain types of processing
• Withdraw consent – at any time, where consent was used

To exercise these rights, please contact us at QROPS@MSN.COM.


10. Data Security
We have implemented appropriate security measures, including:

• SSL encryption on our website
• Restricted internal access to sensitive data
• Secure data storage systems
• Regular system updates and audits

Despite our precautions, no online system is completely secure. We recommend exercising caution when transmitting sensitive information online.


11. External Links
Our website may contain links to third-party websites. We are not responsible for their content or privacy practices. You should review their privacy policies before providing any personal data.


12. Changes to This Policy
This Privacy Policy may be updated from time to time. Any changes will be published on our website with the new effective date. Please review it regularly.


13. Complaints and Concerns
If you have a concern about how we process your personal data, please contact us first so we can address your issue.

If you are not satisfied with our response, you have the right to lodge a complaint with the Spanish Data Protection Authority:

Agencia Española de Protección de Datos (AEPD)