Portal Privacy Page
The purpose of this notice
When we provide our services to you, we will collect personal information about you [and others] and we want to be open and transparent with you as to the types of information we collect about you, why we collect it, how we use it and who we may share it with.
The data controller of your personal information is Lairgate Financial Limited, a limited liability company registered at 31 Lairgate, Beverley, East Yorkshire, HU17 8ET, with company number 09886324 (“we”, or “us”, or “our”). Lairgate Financial Limited is registered with the Information Commissioners Office (ICO) registration number: ZA259143. Unless we are obliged or permitted to do so by the law, we will not disclose any of your personal information to another third party without consent.
If you have any questions or concerns about our use of your personal information, then please contact us using the contact details provided at the bottom of this Notice in the ‘How to contact us’ section.
What type of personal information will be processed and why?
We may ask you to provide personal information by filling in hard copy forms and documents or by corresponding with us by phone, e-mail, letter or otherwise or during the course of our meetings with you.
| Types of Personal Information | Why We Collect It |
| Identity details including your name and date of birth. We may ask for copies of identity documents in which case we may collect details including your place of birth, residential address and personally identifiable photograph. | To carry out money laundering and financial checks and for fraud and crime prevention and detection purposes.We will only ever use copies of identity documents for this purpose.We collect and process this personal information in order to comply with our legal and regulatory requirements. |
| Your contact details including your name, postal, phone and email address(s) and other personal details about you including your title, job title, marital status and date of birth. | To contact you in order for us to manage, administer and provide our services to you.To respond to any correspondence and service-related enquiries you send to us in respect of our services.To discuss products or services for which you apply or may be interested in applying for.To manage any applications, you make for products or services.To communicate any updates to you including any changes to our services, the terms and conditions of any services which we have provided to you, any changes to this Notice and to our websites.To contact you in order to receive your feedback on our services and to participate in related surveys. |
| Financial information relating to you, including pension contributions and current value, salary, bank account balances, credit card balances details of investments and bank account details. | To evaluate your eligibility for products.To enable us to advise you on your financial circumstances and the appropriateness of specific courses of action and products.We collect and process this personal information to enable us to adhere to our regulatory requirements.To enable you to make payments for our services.We collect and process this personal information as is necessary for the entry into and performance of any agreements between us (i.e. to assess whether you are eligible for products, and once an agreement has been entered into between you and us, so that providers can collect or make payments from/to your bank account). |
| Details of your dependents (name, address and date of birth) | To enable us to provide you with services that you have requested that would involve, or have an impact on, your dependents (who may be adults or minors). Where those dependents are adults, please make sure that you have their permission to provide us with their personal information. |
| Details of contact that we have had with you such as meetings with you, fact-finding discussions and documentation, recommendations, referrals and quotes. | To allow us to provide a professional service to you and to contact you with information about other services of ours that we think you may be interested in). We collect and process this personal information to enable us to adhere to our regulatory requirements. |
| Details of services you have received. | |
| Client experience and other feedback and information you provide to us. | To review your feedback and experience with us so that we can improve our products and services for you and for our other clients.We collect and process this personal information to enable us to comply with our legal and regulatory obligations). Please see section below entitled “When we record communications” for more information. |
| Information about complaints and incidents. | |
| All of the personal information described above. | We may disclose your personal information to third parties where we are required to do so to comply with applicable laws and regulatory requirements including in circumstances where we are required to do so by a court Order, regulatory authority or any other third party with the lawful right to request and receive the personal information we hold about you (including law enforcement agencies and tax authorities).We may also use your personal information where it is necessary for us to take legal advice in order to establish our legal rights, to bring a claim against you or any related parties or to defend a claim from you or any related parties.We collect and process this personal information to enable us to carry out our own internal business planning, compliance, training, audit and quality assurance purposes, enabling us to adhere to our regulatory and requirements. |
Depending upon the types of products and services you require, we may also need to collect information from and about you which the law considers to be sensitive, such as data about your physical or mental health, which we refer to as “special category personal data”. The special category personal data that we may ask you to provide, and the reasons why we ask you to provide it, are as follows:
| Types of Special Category Personal Data | Why We Collect It |
| Information about your physical or mental health or condition. | Certain products and services that you request may require this information. Specifically, in order for us to advise you on and to submit applications for health or life insurance products and services, we will need to collect information relating to your physical and mental health in order to obtain accurate quotes and to advise on the suitability of products (as insurance premiums and eligibility for products will in part depend on your physical and mental health). We will usually collect this information in the course of meetings with you, on specific questionnaires or in the process of completing an application form for such products and services. |
| Information about your sex life or sexual orientation. | Some providers may ask for this information in the course of your application for their products or services. We will never ask for this information for our own purposes. |
| Information about your racial or ethnic origin | Some providers may ask for this information in the course of your application for their products or services. We will never ask for this information for our own purposes. |
We will only process the special category personal data listed above with your explicit consent. We ask for your consent to the processing of this data at the end of this Notice. You may choose not to provide us with this consent. However, please note that if you do not provide us with your consent to collect and process the information listed in the table above:
- We may not be able to advise you fully in respect of certain products and services which require this information (in particular those relating to health or life insurance);
- Your application may be rejected by the providers of products and services which require this information; or
- The quotes for such products and services may be higher than would be the case if this information were provided.
When we record communications
We, and persons acting on our behalf, may document/record and/or monitor communications (including telephone conversations over landlines and mobile phones, emails, instant messaging, chat rooms, fax and other electronic communications) between our staff and you. We only record communications between us in order to comply with our legal and regulatory requirements – as a regulated financial adviser, the law requires us to record these communications.
Who might my personal information be shared with?
We may disclose your personal information to the following categories of recipients:
- To providers of financial services, insurance and investment products and services in respect of whom you request us to submit applications, or manage investments on your behalf and to receive updates from such providers in order for us to provide our services to you throughout the lifetime of our relationship with you. Where appropriate please refer to the providers own privacy policies so you can understand what information they collect you and why.
- To our suppliers and partners in order for them to help us provide our services to you, this includes:
- our IT systems providers to assist us with providing you with an efficient, modern and professional service;
- Mailerlite, an email marketing service which enables us to offer automation for those clients who are invested in the firm’s centralised investment proposition.
- providers of our research tools or financial services to enable us to complete appropriate research when providing our services to you.
- our suppliers of audit and regulatory compliance support services who may review our records containing your personal information in order to audit and report to us on our compliance with applicable laws and regulatory requirements;
- our accountants, solicitors, insurer(s) and insurance broker(s) and any other provider of professional services to us;
- To other financial institutions or regulatory bodies with whom information is shared for money laundering checks, credit risk reduction and other fraud and crime prevention purposes.
- To a prospective buyer (and its agents and advisers) in the event that we intend to sell any part of our business or its assets or if substantially all of our assets are acquired by a third party, in which case your personal information could form part of one of the assets we sell, provided that we inform the buyer it must use your personal information only for the purposes described in this Notice. We will never rent or sell your personal information other than as part of a sale of our business.
- To any national and/or international regulatory, enforcement body, government agency or court where we believe disclosure is necessary:
- as a matter of applicable law or regulation (including where we are required by law to provide information to organisations such as HMRC),
- to exercise, establish or defend our legal rights, or
- to protect your vital interests of those of any other person; and
- To any other person with your consent to the disclosure or where we are permitted to do so by law.
Where your personal information is shared with a third-party, we will ensure the appropriate provisions are in place to safeguard your information.
Our legal basis for processing personal information
Our legal basis for collecting and using your personal information will depend on the personal information concerned and the specific context in which we collect it. In respect of the personal information and the purposes for which we may process your personal information which are set out in this Notice, we have confirmed the legal basis upon which we collect and process your personal information in the ‘What type of personal information will be processed and why?’ section above.
If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you or with your explicit consent, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory or not (as well as of the possible consequences if you do not provide your personal information).
Similarly, if we collect and use your personal information in reliance on our legitimate business interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are, if they have not already been disclosed above.
If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “How to contact us” heading below.
Location of your personal information
Whilst the personal information that we process will be within the United Kingdom, the firm utilises Mailerlite and AWS (Amazon Web Services) for storage purposes which is based in the US. Their GDPR Data Processing addendum gives customers’ data the same high level of security, privacy and data protection that it would receive in the EU and UK. If for any reason this changes, we will inform you accordingly and where applicable ensure your personal information is adequately protected or obtain your appropriate consent.
Your data protection rights
You have the following data protection rights:
- If you wish to access, correct, update or request deletion of your personal information, you can do so at any time by contacting us using the contact details provided under the “How to contact us” heading below.
- In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information. Again, you can exercise these rights by contacting us using the contact details provided under the “How to contact us” heading below.
- You have the right to opt-out of marketing communications, we send you at any time. You can exercise this right by clicking on the ‘unsubscribe’ link in the marketing emails we send you.
- If we have collected and process your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. For specific information about our processing of your sensitive category personal data with your consent, please see the “Your consent to us processing your special category personal data” heading below.
- You have the right to complain to the Information Commissioner Office (ICO) about our collection and use of your personal information. For more information, please contact the ICO either through their website www.ico.org.uk/concerns or by calling them on 0303 123 1113.
We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.
Data retention
We retain personal information we collect from you where we have an ongoing legitimate need to do so, for example:
- To provide you with a product or service you have requested us to provide.
- To perform our contractual obligations to you.
- To comply with applicable legal, tax or accounting requirements.
- To defend or manage any claims or complaints between us, you and any relevant third party including taking legal advice in respect of such claims in order to establish, exercise or defend our legal rights or such claims. This would include complaints and claims which you may bring against us or which are submitted to a court, regulatory authority or ombudsman.
When we have no ongoing legitimate need to process your personal information, we will either delete or anonymise it or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
Updates to this notice
We may change or update this Notice in order to maintain our compliance with applicable law and regulation or following an update to our internal practices. When we update our Notice, we will take appropriate measures to inform you, consistent with the significance of the changes we make.
How to contact us
If you would like to contact us in relation to this Notice or if you have any other questions in respect of our processing of your personal information, please contact:
Phillip Betts
Lairgate Financial Limited
31 Lairgate
Beverley, HU17 8ET
T: 01482 860 700 F: 01482 221 097
E: info@lairgatefinancial.co.uk or Phillip@lairgatefinancial.co.uk
Communications about other products or services
We would like to contact you from time to time with details of new products, services, promotions, and other information which may be of interest to you. Please confirm via the client portal that you are happy to receive this information and via what medium.
Your consent to us processing your special category personal data
As explained above, we can only process the special category personal data listed in the table on page 3-4 with your explicit consent. We ask for your explicit consent to the processing of this data below. You may choose not to provide us with this consent. However, please note that if you do not provide us with your explicit consent to process the special category personal data listed above, this may affect our ability to advise you on your options and it may limit the products and services which are available to you and may result in your application being rejected or result in higher quotes being provided to you (in particular those relating to health or life insurance).
If you consent to us processing the special category personal data please confirm this via the client portal.
Notice last updated: 17 April 2023