AJP Consultancy, trading as YoMo, is authorised by the Central Bank of Ireland as an Investment Intermediary under the Investment Intermediaries Act, 1995; is registered as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations, 2005, and is authorised under Regulation 30 of the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 to engage in the business of being a Mortgage Intermediary/Mortgage Credit Intermediary.

Copies of our authorisation are available on request. Our authorisation can be verified by contacting the Central Bank of Ireland on 1890 777 777 or on the Central Bank website www.centralbank.ie. Our Central Bank registration number is C96466.


Codes of Conduct:

We are subject to the following Codes of Conduct issued by the Central Bank of Ireland:

  • Consumer Protection Code 2012 (as amended)
  • Minimum Competency Code 2017
  • Fitness & Probity Standards
  • Prudential Handbook for Investment Intermediaries.

These codes offer protection to our clients and all of the Codes can be found on the Central Bank website www.centralbank.ie.


Customer Data & Data Protection:

We are committed to protecting the privacy and security of your personal information. Customer data will be retained and used only for the purposes for which it has been provided by the Customer in accordance with Data Protection legislation and the Code of Practice on Data Protection for the Insurance Sector. We will endeavour to maintain our customer data protection in line with best market practices and current legislation.

We comply with the requirements of the Data Protection Acts, 1998 and 2003 as amended.

The data which you provide to us will be held on a computer database and paper files for the purpose of arranging transactions on your behalf.

We may collect, store, and use the following categories of personal data: Your name, address, date of birth, email, telephone, contract data, details of services we provide to you, signatures, identification documents, occupation, interactions with you by phone, or email, current or past complaints.

We may need the categories of information in the list above to allow us to; identify you, contact you, comply with our legal obligations and in order that we perform our contract with you. We collect your personal details in order to provide the highest standard of service to you. We take great care with the information provided; taking steps to keep it secure and to ensure it is only used for legitimate purposes. We may need to collect sensitive personal information relating to you or anyone to be named on your policy or residing in your household to process your application. It is your responsibility to ensure that you have obtained the permission of that person to allow us to process their sensitive personal data as part of your application and to explain our Data Protection policy to them. We may share with insurance service providers’ information we hold about you and your claims history. Our product producers may subscribe to insurances industry databases for fraud prevention purposes. We may also use your information for the purpose of complying with regulatory or legislative requirements, offering renewals, for research/statistical analysis and crime prevention.

You can be assured that we will only use your data for the purpose it was provided and in ways compatible with that stated purpose. If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

We would also like to keep you informed of insurance, investment, mortgage, and any other services provided by us or associated companies with which we have a formal business arrangement, and which we think may be of interest to you. We would like to contact you by way of letter, email, telephone call or personal visit. Please sign the Terms of Business acknowledgement letter below to confirm your agreement to the use of your data.

You have the right at any time to request a copy of any “personal data” within the meaning of the Data Protection Act 1988 (as amended or re-enacted from time to time) that our office holds about you and to have any inaccuracies in that information corrected.


Privacy Statement / GDPR:

We are a Data Controller within the meaning of the General Data Protection Regulations (697/2016/EU) (‘GDPR’) and applicable Irish data protection legislation (currently the Irish Data Protection Acts 1988 to 2003 as may be amended). Please visit Privacy Policy for more information. We may make changes to this notice from time to time, particularly when we change how we use your information, and change our technology and products.


Phone Calls Recorded:

We may record inbound and outbound phone calls to / from our office for training and verification purposes.