Privacy Policy

We take your privacy seriously and you can find out more about your privacy rights and how we gather, use and share your personal information below.

Your privacy rights

You have the right to see what personal information we hold and you can ask us to correct inaccuracies, delete or restrict personal information or ask for some of your personal information to be provided to someone else. You have the right to object to how we use your personal information. If you need to contact us in relation to any of your rights or wish to make a complaint about how we have used your personal information directly to us or to the Information Commissioners Office, you can use the contact details indicated at the end of this notice.

Right to withdraw consent

Where you have given us your consent to use personal information, you can withdraw your consent at any time.

Access to your personal information

You can request access to a copy of your personal information. We will not normally charge you for providing this information to you.

Portability

You can ask us to provide you or a third party with some of the personal information that we hold about you in a commonly used electronic form.

Rectification

You can ask us to delete your personal information where it is no longer necessary for us to use it, you have withdrawn consent, or where we have no lawful basis for keeping it. Note that we might be required by regulations to retain your information even if you want it deleted.

Right to object

You can object to our processing of your personal information.

Restriction

You can ask us to restrict the personal information we use about you where you have asked for it to be erased or where you have objected our use of it.

Legal basis for collecting/processing information

The legal basis on which most of the information that you provide will be collected and processed is to enable us to provide the financial advice that we have agreed you require. However, some types of information require your explicit consent. In particular, where we identify that it is relevant to obtain details from you in relation to any adverse health history you might have, we will seek your explicit consent. Where you have given us consent, you have the right to withdraw it at any time.

What kinds of personal information we use

We use information relating to your personal situation and financial position.

Comments

When visitors leave comments on the sire we collect the data shown in the comments form, and also the visitor's IP address and browser user agent string to help spam detection. An anonymised string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact forms

Information submitted on contact forms is sent to our team for processing.

Cookies

If you leave a comment on one of our news articles or blog posts, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year. If you opt-in to marketing and analytics cookies, then cookies associated with these functions will be added on your browser.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

How we gather personal information

We obtain personal information:

directly from you, usually in a face-to-face meeting but potentially also by telephone or other means. We may request that we make an audio or visual recording of our discussions and/or meetings and will obtain your consent before doing so.

from other organisations such as investment/pension/insurance providers, where you have provided authority for them to share information relating to your existing plans.

from your professional advisers, where you have provided authority for them to share information

we may also obtain some personal information from recording calls or meetings or by making contemporaneous notes of calls or meetings.

How we use your personal information

We hold your personal information as Data Controllers in accordance with the requirements of the Data Protection Act 2018 and the EU General Data Protection Regulation, together referred to as the 'Regulations.

We use this information to analyse your current and future financial needs so that we can ensure that any subsequent advice takes due account of, and is suitable to, your circumstances.

We will not share your information with any other party except as indicated in this Privacy Statement or where required to do so by any statutory, governmental or regulatory body for legitimate purposes.

Sharing and transferring your personal information

When necessary to the provision of our service, we may share your personal information with third parties. The categories of third party are listed below.

  • Insurance Providers

  • Pension Providers

  • Annuity Providers

  • Investment Providers

  • Investment Platforms

  • Providers of pension transfer comparison reports

  • Compliance Advisers

  • Legal Advisers

  • Back Office Systems Providers

  • Third Party Software Providers

We will confirm the actual third parties with whom we might/will share your information when we have identified the product/service providers that we recommend you use. This will usually be done in our suitability report in which we will detail our recommendations to you.

Until you have been informed of the actual third parties with whom we might share your information, you have not withdrawn your consent to that sharing, we will only share in a way that does not enable the third party to identify you.

Where necessary to implement the service that you require, your personal information might be transferred to other countries outside the UK, but only to jurisdictions where suitable protection is in place.

Keeping personal information

We keep your personal information securely for as long as we need to for the purpose of providing you with financial advice under the terms of our service/fee agreement (contract) or for as long as we are required to by relevant regulations.

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognise and approve any follow-up comments automatically instead of holding them in a moderation queue.

Any other information you send to us via the website is automatically deleted after 2 years unless you are now, or in that time become, a client, in which case we may keep any information that is relevant to serving you as a client indefinitely.

Your rights

You have the right to object to how we process your personal information. You also have the right to access, correct, sometimes delete and restrict the personal information we use. In addition, you have a right to complain to us and the data protection regulator. Contact details are shown here:

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal or security purposes.