Challenge Privacy Statement & Cookie Policy


Challenge is committed to protecting your privacy. This Privacy Statement ("Statement") explains how Challenge uses and protects the information we collect from our websites and online applications. It applies to all personal information you provide to Challenge and, subject to local law, any personal information we collect from other sources.

Throughout this Statement, "Challenge" refers to Challenge Insurance Brokers Ltd, including its affiliated companies and subsidiaries (also referred to as "we", "us", or "our").

What type of information does Challenge collect?

We may collect personal information such as your name, contact details, date of birth, gender, marital status, financial details, employment details and benefit coverage. We may also collect sensitive information about you such as criminal convictions or health information in relation to life, health, professional liability and workers compensation insurance or employee benefit programs sponsored by your employer. When you provide information that enables us to respond to your request for products or services, you consent to our collection, use and disclosure of this information to appropriate third parties for the purposes described in this Statement.

This includes collecting information when you:
Visit Challenge Websites

In some instances, Challenge automatically collects certain types of information when you visit our websites and through e-mails that we may exchange. Automated technologies may include the use of web server logs to collect IP addresses, "cookies" and web beacons. The collection of this information will allow us to improve the effectiveness of Challenge websites and our marketing activities.

By using Challenge websites, associated microsites and mobile applications, you agree to the processing of your information as explained in this Statement. This includes placing cookies on your device. See Cookie Policy

Challenge websites may contain links to other sites which are outside our control and are not covered by this Statement. We encourage you to review the privacy statement of each website you visit.

Engage with Challenge through Social Media 

You can engage with us through social media websites or through features on Challenge websites that integrate with social media sites. When you engage with us through social media sites, you may allow us to have access to certain information from your social media account (e.g., name, e-mail address, photo, gender, birthday, city, the posts or the 'likes' you make).

Access our Websites through Mobile Devices 

If you access our websites on your mobile telephone or mobile device, we may also collect your unique device identifier and mobile device IP address, as well as information about your device's operating system, mobile carrier and your location information.

How does Challenge use your personal information? 

We use your personal information to offer and administer our services and products. With your consent, we may also use this information for additional purposes.

Does Challenge disclose your personal information? 

We do not rent, sell or otherwise disclose personal information about our website visitors with unaffiliated third parties for their own marketing use.

We disclose personal information to business partners and service providers that are necessary to provide and administer our products and services. Furthermore, if required, we may disclose personal information to respond to government official requests, to prevent physical harm or in the event of a merger/acquisition.

Does Challenge transfer your personal information across geographies? 

Challenge may transfer certain personal information across geographical borders to Challenge entities or service providers in other countries working on our behalf in accordance with applicable law. By providing us with your information or using our websites, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

How can you access and update your information? 

Challenge takes reasonable steps to keep your personal information accurate and complete. If you have created a profile or account on one of our websites, you can update your contact information after you log into your account. You can also contact us at the e-mail or postal address listed in the "Contact Us" section below.

Does Challenge have security measures in place to protect your information? 

Challenge has implemented reasonable physical, technical and administrative security standards to protect personal information from loss, misuse, alteration or destruction.

Our service providers and agents are contractually bound to maintain the confidentiality of personal information and may not use the information for any unauthorized purpose.

Does Challenge collect information from children? 

Our websites are not directed to children and we do not knowingly collect personal information from children on our websites.

Contact Us 

If you have any questions relating to this Statement, please contact us at Challenge House, 28 Willie Nolan Road, Baldoyle, Dublin 13.

Changes to this Statement 

We may update this Statement from time to time. We encourage you to periodically review this Statement so that you will be aware of our privacy practices.


A cookie is a small amount of data, which often includes a unique identifier that is sent to your computer browser from a website's computer and is stored on your computer's hard drive. Each website can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only allows a website to access the cookies it has already sent to you, not the cookies sent to you by other websites. We record visits to our website and use browser cookies in order to monitor your progress through our site although we do not store your personal data in browser cookies.  This information is used by us to measure the performance of the site and to generate other statistics about visitors to our web site in general. We may also use this data to make the site easier and more convenient to use. Users can set their computers to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. If you set your computer not to receive cookies, this will mean that some websites will not function and certain personalised features cannot be provided to you. Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences. Information from cookies can help us to analyse the profile of our visitors and help us to provide a better user experience. Please take note of the following information (provided directly by the companies identified) with regard to the third party cookies used on our website:   Company Information:

Google Universal Analytics

  1. Definition: Google Analytics is a web analytics service provided by Google, Inc.
  2. Function: Google Analytics uses cookies in order to evaluate your use of our website. Browsers do not share cookies across domains.
  3. Personal Information: Google do not collect or store personal information. Google Analytics prohibits the tracking or collection of personal information or association of personal information with web analytics information. Google Analytics does not report the actual IP address information to Google Analytics customers.
  4. Opt-out:Users may opt-out of Google Universal Analytics use of cookies by visiting the Google Universal Analytics opt-out page.
  5. Google Analytics Advertising features enabled:
    1. User ID - This allows to associate multiple sessions (and any activity within those sessions) with a unique ID, in this case a Quote ID. When the unique ID and any related engagement data is sent to Google Analytics, all activity is attributed to one user in the reports. With the User ID, we can get a more accurate user count, analyze the signed-in user experience, and get access to the new cross device reports.
    2. Demographics and interests reporting - Understand how our site audience breaks down by age, gender, and interests.
  6. Storage Location: Google stores the information collected by the cookie on secure Google servers.
  7. Source: Google Inc.

Google Adwords

  1. Definition: Google Adwords is an advertising analytics service provided by Google, Inc.
  2. Function: Adwords uses temporary cookies that are stored on a user's computer for a limited period. Only pages that a user has visited containing the Google conversion code are tracked.
  3. Personal Information: Google do not collect or store personal information. Conversions are not isolated: This means that you can't match conversion data to specific customers, just see overall data for ads and keywords.
  4. Storage Location: Google stores the information collected by the cookie on secure Google servers.
  5. Source: Google Inc.

Google Adwords Remarketing

  1. Definition: AdWords Remarketing is a Remarketing and Behavioural Targeting service provided by Google Inc.
  2. Function: This website uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It means that we advertise to previous visitors who haven’t completed a task on our site, for example not completing a quote. This could be in the form of an advertisement on a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to the
  3. Personal Information:Google do not collect or store personal information.
  4. Opt-out:Users may opt-out of Adwords Remarketing use of cookies by visiting the Adwords Remarketing opt-out page.
  5. Storage Location: Google stores the information collected by the cookie on secure Google servers.
  6. Source: Google Inc.


  1. Definition: Adroll offers advertisers retargeting products for cross-platform, cross-device display advertising. Its marketing platform enables businesses to use their own website data on consumer behaviour to create personalised ad campaigns
  2. Function: AdRoll collects data about your activities that does not personally or directly identify you. This information may include the content you view, the date and time that you view this content, the products you purchase, or your location information associated with your IP address. The information collected is used to serve you more relevant advertisements. Information is collected about where you saw the ads shown to you and what ads you clicked on.
  3. Personal Information: Adroll does not collect personal information such as your name, email address, postal address, or telephone number.
  4. Opt Out: Users may opt-out of Adroll's use of cookies by visiting the Adroll Opt out page
  5. Storage Location: Adroll stores the information collected by the Adroll cookie on secure servers. They may also share non-personally identifiable information with third-parties.
  6. Source: