Privacy Policy

This privacy policy sets out how Heritage Financial Solutions Ltd uses and protects any information that you give Heritage Financial Solutions Ltd when you use this website.

Heritage Financial Solutions Ltd is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website; you can be assured that it will only be used in accordance with this privacy statement. Heritage Financial Solutions Ltd may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

What we collect

We may collect the following information:

  • Name and job title
  • Contact information including email address and IP address
  • Demographic information such as postcode, preferences and interests
  • Other information relevant to customer surveys and/or offers
  • What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

  • Internal record keeping.
  • We may use the information to improve our products and services.
  • We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
  • From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.
    Security
  • We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Privacy Statement

New legislation comes into force on 25 May 2018 and requires us to tell you about the information we hold about you. The following is a summary of what we hold and why.
Heritage Financial Solutions Ltd is a “data controller” and “data processor” under the General Data Protection Regulations (“GDPR”). Our Data Protection Officer is Nick Middlehurst and can be contacted at unit 25, Mold Business Park, Mold, CH7 1XP or 01352 770 845 if you have any questions.

Sources of information

All information is provided by you and you are responsible for the accuracy of such information. We will ask you to tell us about any relevant changes at regular reviews if you have an ongoing agreement with us. We will only obtain information from other sources with your specific written permission. This may be existing providers for details of your pensions, investments or insurance, or your accountant for financial and tax details.

How we use your information

We need details of your personal and financial circumstances, objectives and attitude to risk in order to advise you and to act in your best interests. The lawful basis for holding and processing this data is “contract” (it is necessary to provide the services you have agreed) and “legal obligation” (necessary to comply with anti Money Laundering legislation and the Rules of the Financial Conduct Authority).
We may need information about your health in order to advise on retirement planning or insurance policies such as life, critical illness or income protection. This is regarded as “special category” data as it can be particularly sensitive, and we will continue to seek consent to obtain this information. We need contact details in order to provide ongoing services and answer your queries. If you agree, we may also contact you in the future with details of any new product or service that may be relevant to you.

Sharing information

We pass information to pension, investment and insurance companies as necessary to obtain personal illustrations and apply for products we have recommended for you (in the latter case you will normally be required to check and sign an application form). Access to your data may also be granted to our external compliance consultants who assist us in ensuring we comply with the FCA Rules and act in your best interests, and to the FCA as required by their Rules. We never pass information to third parties for marketing purposes or share data outside the UK unless you apply for an offshore product.

Information Security

We may hold your information on paper or computer. We have a strict data security policy and will take all reasonable steps to ensure that client information is kept safe, with no access to individuals or organisations other than our own staff and in the circumstances described above.

How long we’ll keep your information

We will keep your information for as long as you have a relationship with us. After the relationship ends we’ll keep information if we may need it for our legitimate purposes, e.g. to help us respond to queries or complaints or if required by the FCA Rules.

Your rights

Under the GDPR you have the right to be informed, to access your data, to rectify any mistakes and to complain. Where data is held by consent, you also have the right to erasure. Further information about your rights may be found on the Information Commissioner’s website https://ico.org.uk/ or you can telephone or email our Data Protection Officer on 01352 770845  If you wish to complain about how we have handled your personal data you can contact our Data Protection Officer who will investigate your concerns. If you are not satisfied with our response, or believe we are processing your data unfairly or unlawfully, you can complain to the Information Commissioner’s Office.