Privacy Policy

1. Information We Collect

Personal Information

We may collect the following personal information when you contact us or use our services:

• Name and contact details (email, phone, address)
• Financial information relevant to providing advice
• Investment goals and risk tolerance
• Employment and income information
• Identification documents as required by FCA regulations

Website Usage Information

We automatically collect certain information when you visit our website:

• IP address and location data
• Browser type and version
• Pages visited and time spent on our site
• Referring website information
• Device information

2. How We Use Your Information

We use your personal information for the following purposes:

• Providing financial advice and services
• Communicating with you about your account and services
• Complying with FCA regulations and legal requirements
• Improving our website and services
• Sending you relevant financial information (with your consent)
• Preventing fraud and ensuring security

3. Legal Basis for Processing

Under GDPR, we process your personal data based on:

• Consent: When you agree to receive marketing communications
• Contract: When necessary to provide our financial services
• Legal Obligation: To comply with FCA regulations and anti-money laundering requirements
• Legitimate Interests: To improve our services and prevent fraud

4. Information Sharing

We may share your information with:

• Product providers to facilitate investments and pensions
• Professional service providers (solicitors, accountants) with your consent
• Regulatory authorities when required by law
• Technology service providers who support our operations
• Third parties with your explicit consent

We never sell your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encrypted data transmission and storage
• Regular security assessments and updates
• Limited access to personal data on a need-to-know basis
• Secure disposal of personal information when no longer needed
• Staff training on data protection requirements

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide ongoing financial services
• Comply with FCA record-keeping requirements (typically 7 years)
• Resolve any disputes or legal issues
• Meet other regulatory obligations

7. Your Rights

Under GDPR, you have the right to:

• Access: Request a copy of the personal data we hold about you
• Rectification: Ask us to correct inaccurate personal information
• Erasure: Request deletion of your personal data (subject to legal requirements)
• Portability: Receive your data in a structured, machine-readable format
• Object: Object to processing based on legitimate interests
• Restrict: Request restriction of processing in certain circumstances
• Withdraw consent: Withdraw consent for marketing communications at any time

8. Cookies and Tracking

Our website uses cookies to improve your experience. For detailed information about our cookie usage, please see our Cookie Policy.

You can manage your cookie preferences through our cookie banner or browser settings.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the updated policy on our website and updating the "Last Updated" date.

11. Contact Information

If you have any questions about this privacy policy or wish to exercise your rights, please contact us:

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe we have not handled your personal data appropriately.