Terms Of Service & Privacy Policy

1. Introduction

Welcome to Pensioncashback.ie Irelands only pension advisor directory ("we," "us," "our"). By accessing and using our website (the "Service"), you agree to comply with these Terms of Service. If you do not agree with any part of these Terms, you must not use our website.


2. Service Overview

Pension Advisor Directory Ireland is a platform that connects users with qualified financial advisors in their area. Users submit their information through our website, and we securely forward it to a single financial advisor. Once the connection is made, we delete the user’s data. We do not sell, store, or retain user data beyond this process.


3. User Eligibility

To use our Service, you must:

  • Be at least 18 years old.
  • Provide accurate and truthful information.
  • Agree that we may share your information with a single financial advisor.


4. No Financial Advice

We do not provide financial advice. Our Service solely facilitates a connection between users and financial advisors. We do not endorse or take responsibility for any advice or services provided by the advisors.


5. Disclaimer of Liability

We are not responsible for:

  • The accuracy, reliability, or legality of any financial advice given by advisors.
  • Any direct, indirect, or consequential damages arising from your use of our Service.
  • Any delays or failures in communication between users and advisors.


6. User Obligations

By using our Service, you agree to:

  • Provide only truthful and relevant information.
  • Accept that your data will be shared with a single financial advisor.
  • Refrain from using our Service for unlawful purposes.


7. Data Deletion Policy

Once we forward your details to an advisor, we delete your personal information from our system. We do not retain or store any data beyond this purpose.


8. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of our Service constitutes acceptance of any revised Terms.


9. Governing Law

These Terms are governed by the laws of Ireland. Any disputes shall be resolved in Irish courts.



Privacy Policy

Effective Date: 12/03/25

1. Introduction

Pension Advisor Directory Ireland ("we," "us," "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, and delete your information.


2. What Data We Collect

We collect the following information from users who submit their details:

  • Full name
  • Contact details (email and/or phone number)
  • General location (to match you with a nearby advisor)
  • Any additional information you provide in your request


3. How We Use Your Data

We use your data exclusively to connect you with a single, trusted financial advisor. Once your data is forwarded to the advisor, we delete it immediately. We do not store, sell, or use your data for any other purpose.


4. How We Share Your Data

Your personal data is shared only with:

  • A single qualified financial advisor in your area.
  • No third parties, advertisers, or external entities will receive your data.


5. Data Deletion Policy

We follow a strict data deletion policy:

  • Once we successfully forward your details to an advisor, we permanently delete all submitted data.
  • We do not retain backups or archives of personal information.
  • Users do not need to request data deletion separately, as it happens automatically.


6. Data Security

We take appropriate security measures to ensure that your data is protected from unauthorized access, disclosure, or misuse during the short period it is in our system.


7. Legal Basis for Processing Data

We process your data based on your explicit consent when you submit your details. You have the right to withdraw consent at any time before your data is forwarded to an advisor by contacting us at Sarah@Canvasmarketingsolutions.com.


8. Your Rights Under GDPR

As a user in Ireland, you have the following rights under GDPR:

  • Right to Access: You can request details of the data we hold about you.
  • Right to Deletion: Your data is automatically deleted after being forwarded to an advisor.
  • Right to Restriction: If you wish to limit the processing of your data, contact us before it is shared.
  • Right to Withdraw Consent: You may withdraw consent at any time before we send your data to an advisor.

9. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites.

10. Contact Information

If you have any concerns about your privacy or how your data is handled, please contact us at:
Patrick.Mckenna@canvasmarketingsolutions.com

11. Changes to This Policy

We may update this Privacy Policy as needed. The latest version will always be available on our website.


By using our website, you acknowledge that you have read and understood these Terms of Service and Privacy Policy.

Disclaimer: No Financial Advice, No Intermediary Services, and No Commission-Based Referrals


1. No Financial Advice Provided

 Pensioncashback.ie & Canvas Marketing Solutions is not a financial services company and does not provide financial, investment, or pension advice. The content published on this website is for general informational purposes only and should not be construed as professional advice. Any individual seeking financial advice should consult with a Qualified Financial Advisor (QFA), a Certified Financial Planner (CFP), or another appropriately regulated professional.

We do not assess individual financial circumstances, recommend specific pension products, or advise on the suitability of any investment. The information provided is general in nature and does not constitute personal financial advice, investment advice, or pension planning services.


2. No Role as a Financial Intermediary

Pensioncashback.ie & Canvas Marketing Solutions does not operate as a financial intermediary and does not fall within the regulatory scope of the Investment Intermediaries Act 1995 or the European Union (Insurance Distribution) Regulations 2018.

  • We do not participate in pension transactions, provide introductions for financial gain, or facilitate the purchase of any pension product.
  • We do not assist in setting up pension schemes, managing pension funds, or making financial product recommendations.
  • We do not receive commission-based remuneration from any financial advisor, pension provider, or insurance firm.

Our website is strictly a passive directory service that allows qualified financial advisors to list their services in exchange for a flat advertising fee. We do not track conversions, leads, or sales resulting from our listings, nor do we intervene in any transaction between users and advisors.

As per Irish law, merely providing directory information about financial professionals is not classified as an intermediary service under the Central Bank of Ireland’s regulatory framework, provided that we do not take further steps to conclude a contract between an advisor and a consumer.


3. No Endorsement or Verification of Advisors

All financial advisors listed on our platform are required to hold appropriate professional qualifications (e.g., QFA, CFP). However, Canvas Marketing Solutions & Pensioncashback.ie does not:

  • Verify the ongoing regulatory compliance of any listed advisor;
  • Endorse or recommend any specific advisor, pension product, or financial service;
  • Conduct background checks beyond confirming an advisor’s stated qualifications at the time of listing.


Users should conduct their own due diligence before engaging with any financial advisor. We do not accept liability for the advice, recommendations, or services provided by any advisor listed on our website.


4. Compliance with Consumer Protection and Advertising Laws

Pensioncashback.ie & Canvas Marketing Solutions adheres to all relevant Irish consumer protection laws, including the Consumer Protection Act 2007 and the Advertising Standards Authority for Ireland (ASAI) Code.

  • Our platform ensures full transparency in advertising financial advisors and does not engage in misleading, deceptive, or unfair commercial practices.
  • If any advisors pay for enhanced listings or promotional visibility, this will be clearly disclosed to users.
  • Any references to pension-related topics, such as retirement planning or pension regulations, are based on publicly available information and should not be interpreted as financial guidance.
  • Users are responsible for verifying the accuracy and suitability of any financial information before making decisions.


5. No Liability for Third-Party Actions

Any interactions, agreements, or transactions between users and listed financial advisors are independent of Pensioncashback.ie & Canvas Marketing Solutions. We are not responsible for disputes, losses, or outcomes arising from any professional engagement between a user and an advisor.


6. Use of Website at Own Risk

By using this website, users acknowledge and accept that:

  • The content provided is for informational purposes only and should not be relied upon for financial decision-making.
  • Any engagement with a financial advisor is solely at their own discretion and risk.
  • Pensioncashback.ie & Canvas Marketing Solutions is not liable for any errors, inaccuracies, or outdated information contained on this website.


7. Modifications to This Disclaimer

Pensioncashback.ie & Canvas Marketing Solutions reserve the right to update, modify, or amend this disclaimer at any time to reflect changes in legal requirements, industry standards, or business practices.

For any concerns regarding compliance or legal matters, users may contact us at Patrick.Mckenna@Canvasmarketingsolutions.com