Protecting your personal information

Here at Portfolio Financial Consultancy, we’re committed to protecting and respecting your privacy. Looking after the personal information that we collect on our clients is our top priority and we want you to be confident that your information is in safe hands. So, we’ve developed this Privacy Statement to let you know:

  • how and why we collect personal information;
  • what we do with it;
  • when and why we share it with other organisations, including the types of organisations involved;
  • how long we’ll keep it for; and
  • the rights and choices you have with regards to your personal information.

Portfolio Financial Consultancy Ltd, registered office: Unit 2, Langdon House, Langdon Road, Swansea, SA1 8QY.  Registered in England & Wales (No. 4424786). Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 455542).

If you have any questions about this notice or data protection, please contact our Operations Director on 01792 483860 or in writing to:

Operations Director
Portfolio Financial Consultancy
Unit 2
Langdon House
Langdon Road
Swansea
SA1 8QY

How and why we collect personal information

We collect data about you and your family during our initial and other meetings with you.  We will also collect data about you and your family from other people. We collect the data through note-taking and filling in of fact-finds and questionnaires about you and your family’s circumstances.

How is your information used?

Primarily, we use your data and data about you and your family’s circumstances to provide financial advice to you and complete transactions on your behalf.  We analyse and assess your data to maintain and develop our relationship with you.

Depending on the instructions we receive from you, we may pass your data to other professional advisers to enable us to provide advice most suited to your circumstances.  Usually, this would be referrals to accountants, solicitors, tax advisers and sometimes to specialist advisers in the financial and insurance industry where you may benefit from the expertise of such third parties.  We, and any third party specialist advisers to whom we introduce you, will pass your data to organisations when you agree to purchase or amend policies and products.

We may be required to share your data with our regulator and other third parties including our auditors or insurers.

Sharing your personal information 

Service providers  

We will never sell, trade, or rent your personal information to others however we may share your information with the carefully selected service providers we work with, that carry out certain functions on our behalf. These include companies that help us with:

  • Information Technology services;
  • Customer Relationship management and communications;
  • Product providers;
  • Regulatory and compliance services
  • Auditors and insurers

We only share the appropriate level of personal information necessary to enable our suppliers to carry out their services and we require them to keep the information safe and protected at all times. Our suppliers must only act on our instructions and can’t use your personal information for their own purposes.

We will not disclose your personal information to any other party other than in accordance with this Privacy Policy and in the circumstances detailed below:

  • In the event that we sell any or all of our business to the buyer.
  • Where we are legally required by law to disclose your personal information.
  • To further fraud protection and reduce the risk of fraud.

Retention of personal information

In most circumstances, we’ll keep your personal information for the lifetime of your contractual relationship with us and up to seven years after this relationship with us ends.   This is to ensure that we comply with our retention obligations, as set out by the Financial Conduct Authority (FCA) and other regulatory and legislative requirements.

However we are in certain circumstances, required to keep some specific information for longer, for example, pension transfer information which will be kept indefinitely. We regularly review our retention obligations to ensure we don’t keep personal information longer that we’re legally obliged to.

We store all your data on secure servers in the United Kingdom

If you want details of the statutory retention periods for the differing product types and classes of data please contact us.

Your rights

 You have a number of rights under the Data Protection laws, including:

  • the right to request a copy of the personal information we hold on you. We are happy to provide you with details of your Personal Information that we hold or process.
  • the right to have personal information we hold about you transferred securely to another service provider in electronic form;
  • the right to have any inaccurate or incomplete personal information corrected;
  • the right to have any out of date personal information deleted once there’s no business need or legal requirement for us to hold it;
  • the right to object or restrict some processing, in limited circumstances and only when we don’t have legitimate grounds for processing your personal information;
  • the right to object to your personal information being used to send you marketing material.

To exercise any of these rights, please contact our Operations Director as set out above.

Making a complaint

If you believe we haven’t processed your personal information in accordance with our Data Protection obligations, and that you’ve been affected by our non-compliance, you can make a complaint to us by contacting our Operations Director, who will investigate the matter.

If you’re not satisfied with our response, or believe we are not processing your personal data in accordance with the law you can raise a complaint with the Information Commissioner’s Office (ICO) – details can be found at: https://ico.org.uk/concerns

Cookies

How Portfolio Financial uses cookies

Cookies are text files placed on your computer to collect standard internet log information and visitor behavior information. This information is used to track visitor use of the of the website and to complete statistical reports on website activity

  • We won’t use cookies to collect information that could personally identify you
  • We will use cookies to:
    • help us understand how our websites are used on an aggregated (not individual) basis, so we can improve them for you
    • provide an enhanced user experience for you
    • provide services that are necessary for the running of the web

For further information visit www.allaboutcookies.org

By using our site, you agree to these cookies being set, but you can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser.

External Links

Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies. Portfolio Financial is not responsible for the content of external websites.

Google Analytics

When someone visits www.portfolio.org.uk we use a third party service, Google Analytics, to collect standard internet log information and details of visitor behavior patterns.

We do this to find out things such as the number of visitors to the various parts of the site. This information is only processed in a way which does not identify anyone. We do not make, and do not allow Google to make, any attempt to find out the identities of those visiting our website.

The information generated about your use of this website will be transmitted to and stored by Google on servers in the United States.

Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf.

By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Changes to our privacy policy

We keep our privacy policy under regular review and we will place any updates on this page. This privacy policy was last updated on 19.04.18