Privacy Policy

General Online Privacy Policy & Data Management Statement

Waves Financial is brought to you by Yaching Financial Solutions (Ireland) DAC (we’ll say YFSOL from now on for ease). At YFSOL, we take your personal data seriously. The nature of our business means that we have to keep information about our clients, and we work hard to make sure it is accurate and protected. This privacy policy page describes in detail the types of personal information we collect and record on this website (www.wavesfinancial.com) and how we use it. You will also find information about our broader privacy and data management policies.

If you require any further information or have any questions about our privacy policy, please contact us by email at info@yfsol.com.

Log Files

Just like many other websites, www.wavesfinancial.com makes use of log files. These files log visitors to the site. This is a standard procedure for hosting companies and a part of hosting services’ analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyse trends, administer the site, track a user’s movement around the site, and gather demographic information. We use Google Analytics to analyse how visitors use our website. IP addresses and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons

What are cookies?

This is a useful website with clear information: Cookies and You.

This website (www.wavesfinancial.com) uses cookies to store information about visitors’ preferences, to record user-specific information on which pages the site visitor accesses or visits, and to personalise or customise our web page content based upon visitors’ browser type or other information that the visitor sends via their browser.

Useful Information

For the most common browsers, you can:

  • See which cookies are active in your browser’s settings.

  • Clear cookies from your browser or device, either globally or from a specific website.

For help locating cookies on your device, here is help documentation for some of the most popular browsers: 

Children’s Information

This website (www.wavesfinancial.com) does not knowingly collect any personally identifiable information from children/minors. If a parent or guardian believes that www.wavesfinancial.com has in its database the personally-identifiable information of a children/minors, please contact us immediately at info@yfsol.com and we will do our utmost to promptly remove such information from our records.

Online Privacy Policy

This privacy policy applies only to our online activities and is valid for visitors to this website (www.wavesfinancial.com) and regarding information shared and/or collected there. This policy does not apply to any information collected offline or via channels other than this website (www.wavesfinancial.com).

You can find specific data management information relating to the information gathered in various places on this website (www.wavesfinancial.com) below.

Consent

By using our website, you hereby consent to our privacy policy and agree to its terms.

Privacy Policies & Data Management Notices for Specific www.wavesfinancial.com Pages

Waves Money ‘Take the Test’ Page

When you fill in the ‘Take the Test’ form that is linked from our on our Waves Money page, the information you enter is collected by Typeform in Barcelona, Spain (www.typeform.com). Information about Typeform’s data management policy is here: https://admin.typeform.com/to/dwk6gt.

Typeform stores a copy of the completed form on its servers and sends a copy to us at YFSOL (info@yfsol.com).

We will use the information you have entered on the form to check that Waves is right for you.

The information you provide will be entered into our central database software: ACT!

We use ACT! to keep track of our business-related communications with our clients and the services/products we provide them. ACT! stores your data on our encrypted drives.

You will remain on ACT! while:

  1. we deal with your initial contact request (including follow-up emails/contacts), and/or
  2. you remain a YFSOL client, and/or
  3. you remain on one of our mailing lists.

If you don’t fit any of these three categories anymore, we will delete your data to the best of our abilities from our servers at YFSOL. We will retain your Typeform responses for a number of purposes, including but not limited to historical trend analysis.

Your information will never be shared outside of YFSOL, unless we need to do so to facilitate the smooth managing of your Waves Money product.

Waves Money Application Page

When you fill in the form on our Waves Money application page, the information you enter is collected by Wufoo, an online form service provided by SurveyMonkey (www.SurveyMonkey.com). (SurveyMonkey’s privacy page is here: www.surveymonkey.com/mp/legal/privacy.)

SurveyMonkey stores a copy of the completed form on its servers and sends a copy to us here at YFSOL (info@yfsol.com).

We will use the information you have entered on the form to set up your Waves Money account.

Your information will be entered into our central database software: ACT!

We use ACT! to keep track of our business-related communications with our clients and the services/products we provide them. ACT! stores your data on our encrypted drives.

You will remain on ACT! while:

  1. we deal with your initial contact request (including follow-up emails/contacts), and/or
  2. you remain a YFSOL client, and/or
  3. you remain on one of our mailing lists.

If you don’t fit any of these three categories anymore, we will delete your data to the best of our abilities from our servers at YFSOL and at SurveyMonkey at the next data purge.

During the application process for a Waves Money account, you will send us documentation. This documentation is processed and held by Yachting Financial Solutions (Ireland) DAC and/or our customer service centre run by AMS Integrated Outsourcing Solutions, which is based in Quezon City, the Philippines.

Waves Health, Life, Disability and Travel Application Pages

When you click on the application links on the Waves Health, Waves Life, Waves Disability and Waves Travel pages, you will be taken to the respective application pages hosted by Strategic Insurance Services Limited in the UK (Expatriate Group & Expatriate Healthcare).

Strategic Insurance Services Limited runs the product platform that provides Waves Health, Waves Life, Waves Disability and Waves Travel products.

Your data will be handled in accordance with their data management policy. You can find information about Strategic Insurance Services Ltd’s privacy and data management policies here: https://www.expatriatehealthcare.com/information/legal-notices.

Strategic Insurance Services Ltd notifies us when someone buys an insurance product through this website (www.wavesfinancial.com).

Our Broader Privacy & Data Management Policies at Yachting Financial Solutions (Ireland) DAC (YFSOL)

Data storage at YFSOL

All information provided by you directly and exclusively to YFSOL digitally is stored securely on encrypted YFSOL-owned computers.

A copy of the information you submit via online forms on our websites is also stored on servers used by either SurveyMonkey (online form manager) or Typeform (online survey manager).

When you email us, the information you submit is stored on servers used by Google Mail (email platform) and may also be collated on other Google Suite platforms (business software), such as Google Sheets (spreadsheet software).

Any hard copy/physical documents you lodge with us will be kept at either our customer service centre in Antibes, France and/or at our customer service centre in the Philippines and/or at our office in Co. Cork, Ireland.

Data access

Service providers to YFSOL

We use two trusted service providers who have limited access to your information to help us provide services to you that you have requested. In both cases, these service providers use platforms that YFSOL controls.

Parts of our financial administration and customer service back office are provided by AMS Integrated Outsourcing Solutions, which is based in Quezon City, the Philippines.

Our marketing is supported by Show and Tell Communications Ltd, which is based in Cork, Ireland (www.showandtell.ie). Show and Tell Communications Ltd manages our email lists using Mailchimp. One person at Show and Tell Communications Ltd (Roger Overall) also has access to YFSOL email address inboxes so the company can service our marketing needs. Show and Tell Communications Ltd doesn’t store, log or hold any of your information on its own systems. Instead it uses YFSOL systems and/or third party online services to which YFSOL is subscribed.

Your access

You can request to see what information we hold about you by emailing info@yfsol.com. We will respond within 30 working days with an overview of the information we hold.

Data retention & deletion

We retain your information for as long as you are a YFSOL client.

We are legally required hold data on our financial planning clients for up to seven years from the date they stop being a client. After seven years, their information will be deleted at our next data purge.

If you requested help with a bank account, mortgage, currency transfer or tax advice, we will hold your information until our next data purge.

You can request that we delete the information we hold about you at any point. Please email us at info@yfsol.com and allow 30 working days for this process to be completed from the date of receipt of your email. Please reference “Data Deletion” in your email subject and mark for the attention of Teresa Evans.

During our data purges, physical documents will be shredded. Digital information will be deleted to the best of our abilities from our data drives or rendered unusable to the best of our ability (in cases where data is stored with third parties such as Mailchimp, Google, etc.).

Full Yachting Financial Solutions (Ireland) DAC privacy and data management policy

You can read the full Yachting Financial Solutions (Ireland) DAC privacy and data management policy here: YFSOL privacy policy.

Questions?

If you have any questions about Yachting Financial Solutions (Ireland) DAC’s data management and privacy policies, please get in touch. You can email info@yfsol.com. Please mention “Data Protection” in your email subject and mark it for the attention of Teresa Evans.

Updates

This privacy policy was last updated on: Wednesday, 3rd February, 2021.