This Policy sets out the following:
• The Companies in the Wills Tax & Trusts Group
• The Information we collect
• Clients and Potential Clients
• Business contacts and professional advisers
• Our website and cookies
• Storing your information
• Your rights
• Updates to this Policy
1. THE COMPANIES IN THE WILLS TAX & TRUSTS GROUP
The group comprises of :-
Rabix Ltd t/a UnaVida Life Planning – Co No. 05553273
Wills Tax & Trusts Ltd – Co No. 10578983
Independent Probate Services Ltd – Co No. 03414031
For the purposes of data protection law, we will be a controller of your personal information. (This means we make decisions about how and why your information is used and have a duty to ensure your rights are protected).
2. THE INFORMATION WE COLLECT
In order to operate our business and provide our services, we need to use personal information about actual and prospective clients and business contacts.
We collect information from individuals to provide services and to keep them informed about us.
How we use your information
We will only use your information with your consent, or because we need to in order to:
• enter into, or perform, a contract with you
• comply with a legal or regulatory duty
• for our own (or a third party’s) lawful interests, provided your rights don’t override these
• perform a duty of care or protect your vital interests
In any event, your information will only be used for the purpose(s) we collected it for (or else for a closely related purpose, such as record keeping).
We would under normal circumstances never sell or trade your personal information. We do share information with our suppliers, and this may include personal information in some cases, but they will only be allowed to use the information for a specific purpose and there will be a written agreement which makes sure your information is protected.
We will also share personal information with professional advisers, intermediaries or when we are required to do so by law or by a regulator or governmental authority (for example HM Revenue and Customs or the Financial Conduct Authority).
In certain limited circumstances, we may collect or process sensitive personal information (such as information about someone’s health). In the event that we do, we’ll ensure that this information is kept private and secure. We will collect some sensitive data about company directors and officers as part of our due diligence process.
3. CLIENTS AND POTENTIAL CLIENTS
For contacts on our mailing lists, the personal information we hold is likely to be limited to your name and contact details
Clients and prospective clients expect us to provide accurate and relevant advice. To do this professionally, we often obtain very detailed information of their financial and personal circumstances. This may or may not include details of their extended family – depending on the services or nature of advice we are requested to provide.
For business contacts ie directors of companies only when you instruct us to provide services then we shall also process financial information in order to provide you with investment services.
We collect information about individual investors in order to provide our services, administer accounts and make investments. This information will include:
• basic personal information and contact details
• personal information about beneficiaries and next of kin
• security information (to enable us to identify individual account holders and prevent fraud)
• information about their account with us, their investments and transactions
• financial data (such as bank account details and national insurance numbers) which we require to process payments and invest money on our clients’ behalf
5. BUSINESS CONTACTS, PROFESSIONAL ADVISERS AND INTERMEDIARIES
We often work with other businesses. These might be intermediaries, professional advisers or other businesses with whom we choose to partner in relation to events or initiatives. We collect information about individuals working with or for these businesses, including names and contact details, and information about someone’s role in a business (such as their job title).
6. OUR WEBSITE AND COOKIES
We don’t collect or process personal information about visitors to our website unless they choose to provide information (such as when signing up to a mailing list).
We may collect non-personal information about visitors to our website as this helps us optimise and improve the website. This information might include your internet protocol address, the browser being used to connect to our site, the device (e.g. its operating system) and the connection type (e.g. the Internet service provider used). However, none of this information will directly identify you.
Our website also uses Google’s AdWords remarketing service. This means that if you visit our website, you may see adverts for Oxford Capital when you visit other websites. This happens because Google places a cookie on your machine based on which pages you visit on our site, and then uses that cookie to show you relevant advertisements when you visit other sites. This remarketing process does not involve collecting or storing any of your personal data.
Hyperlinks to other sites
We may contact you by email, telephone or post with information about investment products or services that might interest you (see ‘Marketing’ below), updates or information about your account or investments, or to notify you of changes to our terms of business or this Policy.
If you are an existing client, we’ll send you marketing communications about similar products or services that may be of interest, unless you ask us not to or decide to unsubscribe.
Email and SMS marketing
We will only contact an individual personally with email marketing communications if that individual is an existing customer or if he or she has asked to receive marketing or enquired about a particular service. If you would like to opt-in to marketing you can do so on our website.
We sometimes send emails to business customers, contacts, intermediaries and professional advisers without their prior consent, which we do in order to promote our services and build relationships. If we have contacted you, it will be because we think these communications may be of interest or relevance to you on the basis of our previous dealings with you or a recommendation from a third party.
Our marketing emails will always tell recipients why they are receiving that email and give them the option to unsubscribe.
Our marketing communications are either sent directly by us or using the MailChimp email marketing platform based in the USA (and for further information about how we ensure your data is protected when it is transferred to the USA please see ‘International transfers’ below).
Telephone and Post
We may record telephone conversations, video calls or any other electronic communication and retain copies of them, as well as any transcripts and any written or electronic communication we have with you. These will be used for the purpose of administering your account, training, evidencing compliance with regulatory requirements, evidence in the event of a dispute, or as evidence in court.
Changing your preferences or unsubscribing
You can change how you hear from us or unsubscribe from marketing at any time. You can do this by clicking the “unsubscribe” link on any of our emails, or by writing to the Data Protection Manager, Wills Tax & Trusts Group, 4 Beech Court, Hurst, Berkshire. RG10 0RQ; emailing email@example.com or telephoning 01189 347 920 with details of your request. You can also contact us using these details if you wish to complain about a marketing communication you have received in error.
8. STORING YOUR INFORMATION
We employ a variety of physical and technical measures to keep your personal data safe and to prevent unauthorised access to, or use or disclosure of it. Electronic data and databases are stored on secure computer systems and we control who has access to them (using both physical and electronic means). Our staff receive data protection training and we have a set of detailed data protection procedures which personnel are required to follow when handling personal data.
We cannot absolutely guarantee the security of the internet or external networks or your own device. Accordingly, any online communications (e.g. information provided by email or through our website) are at your own risk.
We only store personal information for as long as it is required for the purpose(s) we collected it for (or for a related compatible purpose, such as keeping a record of a transaction). We regularly review what data we have and delete that which is no longer necessary. In certain situations, you have the right to request that your data be deleted (the right to be forgotten), please see paragraph 9 for further details.
If you believe that any information we are holding on you is incorrect or incomplete, please contact us using the details set out in Paragraph 1.
9. YOUR RIGHTS
We want you to remain in control of your personal information. Part of this is making sure you understand your legal rights, which are as follows:
• where data is processed on the basis of consent, the right to withdraw that consent
• the right to confirmation as to whether or not we have your personal data and, if we do, to obtain a copy of the personal data
• the right to have inaccurate data rectified
• the right to object to your data being used for marketing or profiling, or on the basis of our or a third party’s legitimate interest
• the right to restrict how your personal information is used
• the right to be forgotten, which allows you to have your data erased in certain circumstances (though this is not an absolute right and may not apply if we need to continue using the information for a lawful reason)
If you would like further information on your rights or wish to exercise them, please write to the Data Protection Manager, Wills Tax & Trusts Group, 4 Beech Court Hurst Berkshire RG10 0RQ; emailing firstname.lastname@example.org or telephoning 01189 347 920.
Please keep in mind that there are exceptions to the rights above and, though we will always try to respond to your satisfaction, there may be situations where we are unable to do so (for example, because the information no longer exists or there is an exception which applies to your request).
If you are not happy with our response, or you believe that your data protection or privacy rights have been infringed, you should contact the UK Information Commissioner’s Office, which oversees data protection compliance in the UK. Details of how to do this can be found at www.ico.org.uk.
10. UPDATES TO THIS POLICY
We may update this Policy at any time. When we do, we will post a notification on the main page of our website and revise the updated date at the bottom of this page. We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect.
This policy was last updated on 18th May 2018