Privacy Policy

Introduction

 

The General Data Protection Regulation (GDPR) (Regulation (EU) 2016/679) is a new regulation which replaces the Data Protection Regulation (Directive 95/46/EC). The Regulation aims to harmonise data protection legislation across EU member states, enhancing privacy rights for individuals and providing a strict framework within which commercial organisations can legally operate. Even though the UK has expressed its intention to leave the EU in March 2019, the GDPR will be applicable in the UK from 25th May 2018. Furthermore, the Information Commissioner's Office (ICO) has recently laid out its intention to continue with a similar level of regulation post March 2019.

 

Financial Observer understands that your privacy is important to you and that you care about how your information is used and shared online.  We respect and value the privacy of everyone who visits our site and will only collect and use information in ways that are useful to you and in a manner consistent with your rights and our obligations under the law.

 

Definitions and Interpretation

 

In this policy, the following terms shall have the following meanings:

 

“Our Site” means this website – www.financialobserver.co.uk

 

“We/Us/Our” means Financial Observer

 

Information about us

 

·         Our site, www.financialobserver.co.uk, is owned and operated by Jacqueline Lee-Lis T/A Financial Observer.

·         We work in association with selected third parties in order to provide Financial Planning and Estate Planning Solutions.

 

What does this policy cover?

 

The policy below lays out in simple English how the GDPR and the current ePrivacy Directive (soon to be updated) applies to the way Financial Observer handles your personal data and governs our processing of all personal data provided to us via: the FinancialObserver.co.uk website, email, telephone and consultations. Our aim is to be responsible, relevant and secure when using your data.

 

Financial Observer provides estate planning solutions and our expectation is that individuals providing their personal information to us are giving consent and wish us to contact them and keep them up to date regarding the full range of services that we offer. If this is not your expectation, please do not submit your information to us. Contacting us and supplying us with your personal information indicates that you have read and understood the terms and conditions of this policy.

 

Please take a moment to read through what information we collect about you, who we share it with and how they might use it.

 

What if I do not agree with this privacy policy?

 

If you do not agree to our processing of your data in the manner outlined below, please do not submit any personal data to us.

 

What is the purpose and legal basis of the processing?

 

·         At Financial Observer, we will rely on your 'consent' to process personal data. This is defined by the new General Data Protection                Regulation (GDPR) standard of 'consent' as it's legal basis for processing personal data.

·         GDPR defines consent as: “any freely given, specific, informed and unambiguous indication of the data subjects' wishes by which he      or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or              her”.

·         By submitting your personal data to Financial Observer, you have accepted that you understand and accept this as a valid legal basis          for processing your personal data.

 

Who is the controller of the data that you provide to us?

 

·         The data controller is Financial Observer.

·         The Data Controller's representative is Jacqueline Lee-Lis and you can contact her at: jackie@financialobserver.co.uk

·         Financial Observer are registered as data controllers in the United Kingdom for the purposes of the Data Protection Act 1998. We              ensure that the data you supply to us is processed fairly and lawfully, and with skill and care and used only for the purposes set out in        this policy.

 

What information will we collect?  How will we use it?

 

We will only collect and store information voluntarily supplied by you.  The personal data will be stored, processed, used and disclosed by us in the following ways:

 

·         To provide you with recommendations based on the information you disclose.

·         To assess the information you have supplied against services which we consider may be suitable for you.

·         To market our full range of services to you

·         To enable us to develop and market new products and services which we consider may be suitable for you and to improve our                     customer service.

·         To send you details of reports, promotions, offers, events and general information about our industry which we think might be of               interest to you.

·         To answer your questions and enquiries.

·         To third parties only for the purposes of providing our products and services to you.

·         To regulatory or law enforcement agencies if we believe in good faith that we are required by law to disclose it in connection with the      detection of crime, the collection of taxes or duties, in order to comply with any applicable law or order of a court of competent                  jurisdiction, or in connection with legal proceedings.

 

On occasion, we may seek your consent to process, use or disclose your information for any other purpose not listed above.

 

We will not pass your information, or allow access to such information, to any third party, other than those with whom we work in association with to provide our products and services.

 

We reserve the right to transfer your information to a third party in the event of a sale, merger, liquidation, receivership or transfer of all or substantially all of the assets of our company, provided that the third party agrees to adhere to the terms of this privacy policy and provided that the third party only uses your personal data for the purposes that you provided it to us.  You will be notified in the event of any such transfer and you will be afforded an opportunity to opt-out.

 

How do I find out what information you hold?  Can I amend, modify or require my information to be deleted?  Can I unsubscribe to your services?

 

You may request us to confirm what information we hold about you at any time and may request us to modify, update or delete such information. We may ask you to verify your identity and for more information about your request. We also have the right to charge an administrative fee for this service. Where we are legally permitted to do so, we may refuse your request and will give you reasons for doing so. We will seek to act on your request in the timescale required by applicable data protection laws.

 

You may request to unsubscribe from marketing material at any time.  If you wish to contact us with respect to the above matters, please email us at office@financialobserver.co.uk

 

How long will you hold my information for?

 

We are required by law to hold your information for as long as is necessary to comply with our statutory and contractual obligations and in accordance with our legitimate interests as a data controller.

 

We will use reasonable endeavours to ensure that your Personal Data is maintained and up to date. However, you are under a duty to inform us of any and all changes to your Personal Data to ensure that it is up to date and we will update or delete your Personal Data accordingly.

 

Sending us information over the internet

 

Your information is held electronically by us or on servers hosted by our Internet Services Provider. The nature of the internet is such that we cannot guarantee or warrant the security of any information you transmit to us via the internet.

 

How we collect information about visitors to our websites

 

We do not collect personal information via our website unless you directly supply it to us via our contact form or email. The only information we collect is analytical data such as but not limited to, the number of visits the website received, the specific pages visited and the amount of time a visitor spends on the pages they visited. We do not use information gained in this way in any manner that any individual can be identified, and only use it to understand our users better, and to determine aggregate trends, most popular pages, etc, for all the website's users. This information is not shared with any third parties and we may undertake marketing profiling to help us identify services which may be of interest to you.

 

Cookies

 

A cookie is a small data file which is sent from a web server to a web browser when that browser visits the server's site.

 

We do not currently employ the use of cookies on our website.  This may alter in future if it is deemed necessary to our business development and at such time our privacy policy will be updated to reflect this.

 

Links to other websites

 

Please note that clicking on any links, banner advertisements and RSS feeds may result in your transfer to another website, where data privacy practices may be different to this privacy policy. It is your responsibility to check other website privacy policies to ensure that you are happy for your personal information to be used in accordance with those third party's' privacy policies. We accept no responsibility for and have no control over third party websites, links, adverts or RSS feeds or information that is submitted or collected by third parties.

 

Change to our Privacy Policy                                          

 

Any changes to this Privacy Policy will be posted on this website so you are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any time we decide to use Personal Data in a manner significantly different from that stated in this Privacy Policy, or otherwise disclosed to you at the time it was collected, we will notify you by email, and you will have a choice as to whether or not we use your information in the new manner.