Why You Should Read This Document

While working with us, we will require some detailed personal information about your financial situation, existing circumstances, and possibly your health or family health history (collectively referred to as “Your Personal Data”). This document explains how we handle Your Personal Data and outlines your rights in relation to it.

What We Mean by “Your Personal Data”

“Your Personal Data” refers to any information relating to you or your personal situation. This can include information that identifies you directly, like your name, address, date of birth, or national insurance number. It may also include details that identify you indirectly, such as employment information, health history, or any other data linked to your cultural or social identity.

For us to provide tailored advice, Your Personal Data may include:

•Personal Details: Name, date of birth, gender, nationality, marital status, and contact details.

•Employment Information: Salary details, employment history, and benefits information.

•Financial Details: Bank accounts, tax status, loans, credit history, and information about your family circumstances.

•Special Category Data: Health details, medical history, or any relevant medical reports. We may also handle information related to existing investments, insurance, or mortgage products.

How We Handle Your Personal Data

Our interactions are based on providing a service contract, and we use Your Personal Data to perform our obligations under this agreement, offering personalized advice tailored to your needs. Even if our business relationship ends, we may use Your Personal Data when it is necessary for our legitimate business interests, provided your rights are not affected. For instance, we may need to respond to requests from mortgage lenders or our compliance providers.

We may also need to use Your Personal Data to meet regulatory or legal obligations, such as compliance with guidelines set by the Financial Conduct Authority.

Special Category Data

When discussing financial matters, we may need to collect information on your health or ethnic origin. This “Special Category Data” is vital to provide you with suitable recommendations, as health information can influence life cover or investment decisions. For example, life insurance underwriting may require specific health details.

If you have parental responsibility for children under 13, we may need to collect data about them, especially if they have long-term health conditions or disabilities.

For insurance purposes, you may need to disclose criminal convictions or offences. We handle these disclosures similarly to other Personal Data, as such information is often necessary to secure the appropriate insurance coverage.

How We Collect Your Personal Data

We collect Your Personal Data primarily from you during meetings, phone calls, or emails. Occasionally, we may also receive information from third parties, such as credit checks or employer data. We use secure technology for tasks like verifying your credit status and conducting identity checks in compliance with anti-money-laundering rules.

How Your Personal Data is Used

We will:

•Store your data securely in physical files, on secure systems, or mobile devices. Access is restricted to employees who need it to perform their duties.

•Share your information with product providers and mortgage lenders to progress your application or enquiry.

•Use your data to respond to any product-related questions or keep you informed about product updates.

Data Sharing

Your Personal Data may be shared with:

•Investment, mortgage, and insurance providers.

•Third parties assisting with your application or providing related services, such as compliance advisers, estate agents, legal service providers, or surveyors.

We only share data as necessary to fulfill our responsibilities. These third parties will not use your information for marketing unless explicitly permitted by you.

Security and Data Retention

We prioritize the security of Your Personal Data, employing measures to prevent unauthorized access. You should also take precautions, like encrypting sensitive email attachments or using secure delivery methods for original documents.

We retain your data for a minimum of six years, or longer if legally required. In some cases, we may keep data indefinitely for complaint handling.

Your Rights

You can:

•Request copies of Your Personal Data.

•Ask for clarification on how we use your data.

•Request corrections, deletion, or restricted processing of your data (we’ll advise on any limitations).

•Ask us to transfer your data electronically to another organization.

•Change or withdraw your consent regarding future marketing.

For shared data, such as in joint applications, consent may be needed from all parties before releasing information.

Contact Us

For questions or to exercise your rights, please contact:

Data Protection Officer

Rosemount Financial Solutions (IFA) Ltd

Rosemount House, 2-4 Chequers Road, Basingstoke, Hampshire, RG21 7PU

Tel: 01256-405460

If we cannot comply with your request, we will explain why. If you become aware of unauthorized data use, notify us immediately.

For unresolved concerns, you can contact the ICO at ico.org.uk/global/contact-us or write to:

Information Commissioner’s Office

Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Future Contact

We may get in touch with you periodically to ensure our advice remains suitable, for example, when your fixed mortgage term is nearing its end.