Question 1

What are the core benefits of the Engage App for adviser?

Accepted Answer

The Engage App has been designed to transform the way that members engage with their scheme.   Digital communication brings the adviser closer to scheme members, creating new relationships and deepening others.  By creating more frequent contactthe App builds the advisers brand and creates continual opportunities throughout the scheme year.

Question 2

What are the core benefits of the App for the scheme member?

Accepted Answer

The Engage App changes the way members experience their pension scheme.   The perception that the pension is a once a year conversation will be gone.  Members will have continual direct access to their adviser and receive regular updates on what is important, keeping them in the picture and actively engaged with their pension.  The interactive To Do List for members, provides them with a real focus to achive their pension and non pension financial objectives, creating continual adviser opportunities.

Question 3

Do Centric act as Administrators or Trustees?

Accepted Answer

No, Centric simply provide the communication tool to enhance scheme communication and scheme revenue.  We host the Engage platform for advisers to interact with scheme members and the Engage App for members to interact with their advisers.

Question 4

Can the App be used for DC, Executive and DB schemes?"

Accepted Answer

Currently the App has been designed for use by DC schemes only.  The Engage Platform (V2), which wll be released in Dec 2020 will also allow for Group PRSAs. Post IROPS II, when DC schemes transition to Master trusts the App will provide the facility for the advisers to continue to communicate with clients who are no longer within a DC environment.

Question 5

Does the App contain member's financial data?

Accepted Answer

No.  All financial data is held with the pension provider of the scheme.  Member's can access their financial data but only via link to the external portal of the pension provider, ensuring data security is guaranteed.

Question 6

Is the App GDPR compliant?

Accepted Answer

The only personal information collected under the App is at member registration when they enter their name, e mail and phone number.  The only entity that has access to this information is the nominated adviser who set up the scheme.  Under GDPR the adviser will already have a right to view this information.  Centric does not collect any financial data from advisers, scheme members or pension providers.  Basic personal collected is collected from scheme members during registration process to provide access to the Engage Application.     Centric has conducted a completed GDPR risk analysis process review ensuring all necessary controls are in place to maintain complete and comprehensive GDPR compliance.  Copy available upon request.

Question 7

Where is data stored?

Accepted Answer

Personal data collected is limited to (name, phone and e mail address), which is for the purposes of member registration.  None of this data is stored within the Engage App.  Data is encrypted and held in a secure cloud-based web centre in France.  The web centre is owned and operated by Amazon as a part of their AWS (Amazon Web Services), which maintain the highest storage security controls available.  Centric’s IT partner, Square Root Solutions (www.squareroot.ie) are the admin controller for this service and Centric has no direct access.  Centric does not store personal data locally on servers or any personal devices.  No personal data is held outside the EEA.  The App provides links to the secure portals of the pension provider where the respective scheme is invested.  Once a member clicks through a link they are no longer within the Engage enviroment and are re-directed to the pension providers secure portal, which uses their own encrypted passwords/login.

Question 8

How does Centric manage data privacy?

Accepted Answer

We have completed a comprehensive audit of data privacy and put all necessary controls in place to ensure the integrity of data. Full details are available on our Privacy Notice on www.centric.ie.

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