Privacy Policy

  1. Introduction

1.1     We are committed to safeguarding the privacy of our websites visitors.

1.2     This policy applies where we are acting as a data controller with respect to the personal data of our websites; in other words, where we determine the purposes and means of the processing of that personal data.

1.3     We will ask you to consent to our use of cookies in accordance with the terms of this policy when you first visit our websites.

1.4     In this policy, “we”, “us” and “our” refer to Simon Jones our Data Controller. For more information about us, see Section 13.]

  1. Credit

2.1     This document was created using a template from SEQ Legal (https://seqlegal.com).

  1. How we use your personal data

3.1     In this Section 3 we have set out:

(a)      the general categories of personal data that we may process;

(b)      the purposes for which we may process personal data; and

(c)      the legal bases of the processing.

3.2     We may process data about your use of our website and services] (“usage data“). The usage data may include [your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your service use]. The source of the usage data is Google Analytics tracking system. This usage data may be processed [for the purposes of analysing the use of the website and services]. The legal basis for this processing is our legitimate interests, namely monitoring and improving our website and services.

3.3     We may process information contained in any enquiry you submit to us regarding our services (“enquiry data“). The enquiry data may be processed for the purposes of contacting you to answer your enquiry regarding our services.

3.4     We may process information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters] (“notification data“). The notification data may be processed [for the purposes of sending you the relevant notifications and/or newsletters]. The legal basis for this processing is at your request, to enter into such a contract.

3.5     We may process information contained in or relating to any communication that you send to us (“correspondence data“). The correspondence data may include the communication content and metadata associated with the communication. Our website will generate the metadata associated with communications made using the website contact forms. The correspondence data may be processed for the purposes of communicating with you and record-keeping. The legal basis for this processing is our legitimate interests, namely the proper administration of our website and business and communications with users.

3.6     We may process any of your personal data identified in this policy where necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. The legal basis for this processing is our legitimate interests, namely the protection and assertion of our legal rights, your legal rights and the legal rights of others.

3.7     We may process any of your personal data identified in this policy where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice. The legal basis for this processing is our legitimate interests, namely the proper protection of our business against risks.

3.8     In addition to the specific purposes for which we may process your personal data set out in this Section 3, we may also process any of your personal data where such processing is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

3.9     Please do not supply any other person’s personal data to us, unless we prompt you to do so.

  1. Providing your personal data to others

4.1     We may disclose your personal data to any member of our group of companies, First Quartile, FWD Group and Fwd Financial Services Marketing Ltd, (this means our subsidiaries, our ultimate holding company and all its subsidiaries insofar as reasonably necessary for the purposes, and on the legal bases, set out in this policy.

4.2     We may disclose your personal data to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

4.3     In addition to the specific disclosures of personal data set out in this Section 4, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may also disclose your personal data where such disclosure is necessary for the establishment, exercise or defence of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

  1. International transfers of your personal data

5.1     In this Section 5, we provide information about the circumstances in which your personal data may be transferred to [countries outside the European Economic Area (EEA)].

5.2     We and our other group companies have offices in London, in the United Kingdom. The European Commission has made an “adequacy decision” with respect to the data protection laws of the United Kingdom.

5.3     The hosting facilities for our website are situated in the United Kingdom. The European Commission has made an “adequacy decision” with respect to the data protection laws of the United Kingdom.

  1. Retaining and deleting personal data

6.1     This Section 6 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal data.

6.2     Personal data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

6.3     Notwithstanding the other provisions of this Section 6, we may retain your personal data where such retention is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

  1. Amendments

7.1     We may update this policy from time to time by publishing a new version on our website.

7.2     You should check this page occasionally to ensure you are happy with any changes to this policy.

7.3     We may notify you of changes to this policy through the private messaging system on our website.

  1. Your rights

8.1     You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:

(a)      the payment of a fee (currently fixed at GBP 10); and

(b)      the supply of appropriate evidence of your identity [(for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).

8.2     We may withhold personal information that you request to the extent permitted by law.

8.3     You may instruct us at any time not to process your personal information for marketing purposes.

8.4     In practice, you will expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

8.5     You have the right to have any inaccurate personal data about you rectified and, taking into account the purposes of the processing, to have any incomplete personal data about you completed.

8.6     In some circumstances you have the right to the erasure of your personal data without undue delay. Those circumstances include: the personal data are no longer necessary in relation to the purposes for which they were collected or otherwise processed; you withdraw consent to consent-based processing; you object to the processing under certain rules of applicable data protection law; the processing is for direct marketing purposes; and the personal data have been unlawfully processed. However, there are exclusions of the right to erasure. The general exclusions include where processing is necessary: for exercising the right of freedom of expression and information; for compliance with a legal obligation; or for the establishment, exercise or defence of legal claims.

8.7     You have the right to object to our processing of your personal data for direct marketing purposes. If you make such an objection, we will cease to process your personal data for this purpose.

8.8     You have the right to object to our processing of your personal data for scientific or historical research purposes or statistical purposes on grounds relating to your particular situation, unless the processing is necessary for the performance of a task carried out for reasons of public interest.

8.9     To the extent that the legal basis for our processing of your personal data is consent.

8.10   If you consider that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your habitual residence, your place of work or the place of the alleged infringement.

8.11   To the extent that the legal basis for our processing of your personal information is consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing before the withdrawal.

8.12   You may exercise any of your rights in relation to your personal data writing to FWD, 145 Leadenhall Street, London, EC3V 3QT OR by email, info@fwdconsulting.co.uk .

  1. About cookies

9.1     A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

9.2     Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

9.3     Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

  1. Cookies used by our service providers

10.1   Our service providers use cookies and those cookies may be stored on your computer when you visit our website.

10.2   We use Google Analytics to analyse the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google’s privacy policy is available at: https://www.google.com/policies/privacy/.

  1. Managing cookies

11.1   Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

(a)      https://support.google.com/chrome/answer/95647?hl=en (Chrome);

(b)      https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);

(c)      http://www.opera.com/help/tutorials/security/cookies/ (Opera);

(d)      https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);

(e)      https://support.apple.com/kb/PH21411 (Safari); and

(f)       https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

11.2   Blocking all cookies will have a negative impact upon the usability of many websites.

  1. Our details

12.1   This website is owned and operated by FWD Financial Services Marketing Ltd.

12.2     We are registered in England and Wales under registration number 04113630, and our registered office is at 145 Leadenhall Street, London, EC3V 4QT.

12.3   You can contact us:

(a)      by post, to [the postal address given above;

(b)      using our website contact form;

  1. Data protection officer

13.1   Our data protection officer’s contact details are: Simon Jones, email address info@fwdconsulting.co.uk

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