Your rights, your information and how we use it
Wealthcare Limited is committed to protecting your personal information.
Our privacy promise
- To keep your data safe and secure
- Not to sell your data
- To give you ways to manage and review your marketing preferences at any time
Identity of controller
Wealthcare is registered with the Information Commissioner’s Office as a Data Controller (Data Protection Register Number Z8160782). Wealthcare is the Data Controller in respect of the personal data it receives in connection with the services provided under the relevant engagement between Wealthcare and its clients.
How the law protects you
As well as our privacy promise, your privacy is protected by law.
Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. The law says we must have one or more of these reasons:
- To fulfil a contract we have with you; or
- When it is our legal duty; or
- When it is our legitimate interest; or
- When you consent to it
A legitimate interest is when we have a business or commercial reason to use your information. But even then, it must not unfairly go against what is right and best for you.
If you wish to see a full list of all the ways that we may use your personal information, and which of the reasons we rely on to do so, please contact us at the address detailed below.
What information do we collect about you?
We collect information about you when you engage us for specialist advice in the areas of:
- Investments, individual and corporate
- Pre-and-post retirement planning
- Employee benefits and healthcare
- Residential and commercial funding solutions
This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health, if this is necessary for the provision of our services.
If you do not wish us to collect and use your personal information in these ways, it may mean that we will be unable to provide you with our services.
We may also collect information when you voluntarily complete client surveys or provide feedback to us.
Information relating to usage of our website is also collected. We use your information to personalise your repeat visits to the site. If you use any forms on the website to send an email to us, a record will also be made of your name, telephone number and email address.
Why do we need to collect and use your personal data?
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we would also be unable to fulfil our legal and regulatory obligations.
Where special category data is required we will obtain your explicit consent in order to collect and process this information.
How will we use the information about you?
We collect information about you in order to provide you with the services for which you engage us.
When you visit our website, a record of your visit is made. That data is used completely anonymously, in order to determine the number of people who visit our website and the most frequently used sections of the site. This enables us to continually update and refine the site.
Who might we share your information with?
If you agree, we may email you about other products and/or services that we think may be of interest to you.
We won’t share your information for marketing purposes with other companies.
In order to deliver our services to you effectively we may send your details to third parties such as those that we engage for professional compliance, accountancy or legal services as well as product and platform providers that we use to arrange financial products for you.
Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they will only act in accordance with our written instructions.
Where it is necessary for your personal data to be forwarded to a third party we will use appropriate security measures to protect your personal data in transit. We will enhance the security of the data during transfer via password protection and/or encryption of data.
To fulfil our obligations in respect of prevention of money laundering and other financial crime we may send your details to third party agencies for identity verification purposes.
Where is your information processed?
The majority of your information is processed in the UK and European Economic Area (EEA). However some of your information may be processed by the third parties we work with outside of the EEA. Where your information is being processed outside of the EEA, we take additional steps to ensure that your information is protected to at least an equivalent level as would be applied by UK / EEA data privacy laws e.g. we will put in place legal agreements with our third party suppliers and do regular checks to ensure they meet these obligations.
How do we protect your information?
We take information and system security very seriously and we strive to comply with our obligations at all times. Any personal information which is collected, recorded or used in any way, whether on paper, online or any other media, will have appropriate safeguards applied in line with our data protection obligations.
How long do we keep hold of your information?
In principle, your personal data should not be held for longer than is required under the terms of our contract for services with you. However, we are subject to regulatory requirements to retain data for specified minimum periods. We also reserve the right to retain data for longer than this due to the possibility that it may be required to defend a future claim against us. In any case, we will not retain your personal data for longer than past the time of your death.
You have the right to request deletion of your personal data. We will comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests.
How can I access the information you hold about me?
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information please email or write to us using the contact details noted below.
When your personal data is processed by automated means you have the right to ask us to move your personal data to another organisation for their use.
We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.
Automated decision making and profiling
If you use our online services your personal information will be gathered through the information that you input onto the system. Your data is collected in order for us to carry out the service for which you engage us. If you are unsure about the outcome of the automated process you can contact us to discuss or to challenge the outcome.
We take measures to ensure the security of your data. We do not use any special category data (such as data about your health) in the automated process unless it is strictly necessary to deliver our service and we have obtained your explicit consent to do so.
We regularly check our systems for accuracy and bias and feed any changes back into the design process.
We would like to send you information about additional products and/or services which may be of interest to you. We may send you such information by email, telephone, text message and/or post, but only if you have given your consent for us to do so.
If you have agreed to receive marketing information, you may withdraw this consent at any time. If you no longer wish to be contacted for marketing purposes, please contact us by email (at firstname.lastname@example.org) or by post (at our main business address below), providing your full name and home address details so that we may update your records accordingly.
Our website uses Google Analytics, a web analytics service provided by Google. Google Analytics sets a cookie in order to evaluate your use of our website and compile reports for us on activity on the website. Google stores the information collected by the cookie 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. Google will not associate your IP address with any other data held by Google. By using our website you consent to the processing of data about you by Google in the manner and for the purposes set out above.
Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information. This information is used to track visitor use of the website and to compile statistical reports on website activity.
For further information visit http://www.allaboutcookies.org/
You can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser. However in a few cases some of our website features may not function as a result.
Links to other websites
Our website contains links to other third party websites. If you follow a link to any of those third party websites, please note that they have their own privacy policies and that we do not accept responsibility or liability for their policies or processing of your personal information. Please check their policies before you submit any personal information to such third party websites.
What can you do if you are unhappy with how your personal data is processed?
You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is:
Information Commissioner’s Office
Tel: 0303 123 1113 (local rate)
How to contact us
The Data Protection Officer
4 Castlecroft Court
Tel: 0161 348 7100
My wife and I are now both retired and have relied on Wealthcare for guidance and advice on pensions, our investments and on a wide range of financial issues. We have never been failed and the advice has always been prompt, reliable, professional and, equally as important, explained in non financial jargon thereby making understanding so much simpler.Mr & Mrs Franks - Individual Clients
Both myself and my business partner Andrew have used Wealthcare for a number of years now and cannot recommend them highly enough. They've arranged plans which protect us in several areas including life insurance, critical injury and key man cover, Stephen also organised for a shareholders' agreement to be put in place for extra peace of mind.Sizzle Creative Agency Limited
It wasn’t hard to choose Wealthcare from the list of brokers eager to win our business. From the very start, they sought to understand our company’s particular needs and (importantly) how I choose to work. They listen and deliver. Available to discuss any query, they are friendly, easy to communicate with, responsive, and always looking to go the extra mile to meet our expectations. How could I do anything other than heartily recommend this excellent organisation.Timpson Limited
The Healthcare team have been a pleasure to deal with as they have made the process of sorting out and managing our PMI straightforward and simple. The Claims and Admin staff are very knowledgeable and will always go the extra mile.Hodgsons Chartered Accountants
Both Michelle and Rachael have been fantastic. Thank you from the bottom of my heart. I will always recommend you and your company, you have been nothing but supportive, professional, diligent and great fun.David Smith, Smith and Jones Management