Privacy Policy

Introduction

Muinín Adjusting Limited (“Muinín”, “we”, “us”, “our”) is committed to protecting personal data and respecting the rights of individuals in accordance with applicable data protection law, including the General Data Protection Regulation (EU) 2016/679 (“GDPR”) and the Data Protection Acts 1988–2018.

This Privacy Notice explains how we collect, use, disclose, store and protect personal data in the course of:

Operating our website; and
Providing insurance claims investigation and claims management services.

If you have any questions about this notice or how your personal data is handled, please contact us using the details provided below.

Who We Are

Muinín Adjusting Limited is registered in Ireland at:

15 Lios Caisil, Ballybrit, Co. Galway, H91 D70C
Company Registration Number: 776383

We provide claims investigation and claims management services to insurance companies.

In the context of insurance claims, the relevant insurance company is the Data Controller. Muinín acts as a Data Processor, processing personal data strictly in accordance with the insurer’s documented instructions.

Where Muinín processes personal data for its own administrative, regulatory or operational purposes, it acts as a Data Controller in its own right.

Categories of Personal Data Processed

In the course of investigating and managing claims, we may process the following categories of personal data:

Identification and Contact Information

Full name
Home address
Email address
Telephone numbers
Date of birth
Place of birth
Gender

Claim-Related Information

Insurance policy details
Claim details and history
Description of events
Employment details (job title/position)
Location information
Activities or status at relevant times
Background information relevant to the claim

Financial Information

Bank account details

Audio-Visual Data

CCTV footage
Video recordings
Photographs
Call recordings

Most of this data is provided to us by the Data Controller when a claim is assigned. We may also collect additional information directly from policyholders, claimants, witnesses or experts during interviews, correspondence or inspections.

We may access industry claims databases such as InsuranceLink where instructed by the insurer and permitted by applicable law.

Sources of Personal Data

Personal data may be obtained from:

The insurance company (Data Controller)
The policyholder or claimant
Witnesses
Third-party experts (e.g., engineers or forensic investigators)
Industry claims databases

Audio-visual evidence supplied during investigations

Purpose of Processing

We process personal data strictly for the purpose of providing claims management and investigation services on behalf of insurers, including:

Claim validation and assessment
Investigation of circumstances surrounding a claim
Detection and prevention of fraud
Reporting findings to the insurer
Supporting claim settlement

We may also use fully anonymised data for statistical analysis, internal reporting and market trend evaluation. Anonymised data cannot be used to identify any individual.

Legal Basis for Processing

Where Muinín acts as a Data Processor, the lawful basis for processing is determined by the insurer (Data Controller). Insurers typically rely on:

Performance of a contract
Compliance with a legal obligation
Legitimate interests (including fraud prevention and claim validation)

Where Muinín acts as a Data Controller (for example, in respect of its own regulatory compliance or website administration), processing is based on:

Legitimate interests
Legal obligations
Performance of a contract

Disclosure of Personal Data

We may share personal data with third parties where necessary for claim investigation purposes, including:

Engineers
Forensic investigators
Legal advisers

We ensure that:

Only necessary data is shared;
Appropriate Data Processing Agreements are in place;
Confidentiality and security obligations apply to all third parties.

Personal data is transmitted securely, including via encrypted email (TLS). Where physical documentation must be sent, it is done so using registered or secure post.

International Transfers

All personal information that we receive or gather, is kept in our claims management system (MICAS) and is limited to use on Muinín’s computers and servers.

Personal data is stored and processed solely within the European Economic Area (EEA).

How Do We Secure Personal Data

We implement appropriate technical and organisational measures to safeguard personal data, including:

Firewall-protected networks
Multi-factor authenticated VPN access
Secure email filtering with malware and antivirus scanning
Enforced TLS encryption for outgoing email
Full encryption of PCs, laptops and mobile devices
Prohibition on the use of USB storage devices
External IT security monitoring and penetration testing
Controlled office access with visitor logging
Clear desk policy
Secure shredding of confidential documentation

Where paper documents are received:

They are scanned into our claims management system;
Stored securely;
Retained in accordance with our retention schedule.

Data Retention

Unless otherwise instructed by the Data Controller:

Claims-related records are retained for seven (7) years from claim closure.
Paper records are securely destroyed at the end of the retention period.
Electronic records are securely erased, with only anonymised statistical records retained.
Call recordings are retained for two (2) years unless required for evidential purposes, in which case they are retained with the claim file for the full seven-year period.

Data destruction is carried out on a scheduled basis twice annually.

Data Subject Rights

Where Muinín acts as a Data Processor, any requests relating to Access, Rectification, Erasure , Restriction, Objection or Data portability, will be forwarded without undue delay to the relevant Data Controller.

Where Muinín acts as a Data Controller, individuals may exercise their rights by contacting us directly.

Individuals also have the right to lodge a complaint with the Irish Data Protection Commission.

Data Protection Officer

Our Data Protection Officer can be contacted at:

Email: dpo@muinin.ie

Postal Address: Muinín Adjusting Limited

Unit 1, Parkwest Drive, Park West Industrial Estate, Dublin D12 CKX0