Privacy Policy

Overview

This Privacy Policy explains how Finance Asset Savings ("we", "us", "our") collects, uses, stores and protects personal information when you visit our website, subscribe to our newsletter, or engage us for advisory services.

We are committed to handling your information responsibly and transparently. By using this website or sharing your details with us, you agree to the practices described in this policy. If you do not agree with any part of it, please do not submit personal information to us.

Information we collect

We collect only the information we genuinely need in order to respond to you and to deliver the service you have asked for. This may include:

• Contact details such as your name, email address and the content of any message you send us.
• Enquiry details such as the service you are interested in and your preferred way of being contacted.
• Newsletter details such as your email address, topic preferences and delivery frequency.
• Advisory information that you choose to share during an engagement, including financial and personal details needed for us to advise you properly.
• Technical information such as browser type, device type, pages viewed and referring page, collected in aggregate through cookies and similar technologies.

We do not knowingly collect sensitive personal information unless it is required for a service you have requested, and we ask for your explicit consent before doing so.

How we use your information

Your information is used to:

• Respond to your enquiry and arrange a conversation with the right advisor.
• Deliver the advisory service you have engaged us for, including documentation and follow-up.
• Send you the newsletter and updates you have subscribed to.
• Improve our website, content and the way we explain our services.
• Meet our legal, regulatory and record-keeping obligations.

We do not sell your personal information. We do not rent or trade it to third parties for their own marketing.

Lawful basis and consent

Where applicable data protection law requires a lawful basis, we rely on one or more of the following: your consent, the performance of a contract with you, our legitimate interest in responding to enquiries and running our practice, and our obligation to comply with legal requirements.

Where we rely on consent — for example, for marketing emails — you may withdraw that consent at any time by using the unsubscribe link in any email or by visiting our unsubscribe page.

Cookies and analytics

Our website uses cookies, which are small text files stored on your device, to remember your preferences and to understand how visitors use our pages. Some cookies are necessary for the site to function; others help us improve content and layout.

You can control cookies through your browser settings, including blocking or deleting them. Please note that disabling certain cookies may affect how some parts of the site behave.

Analytics information is reviewed in aggregate. We use it to understand which pages are useful, not to build individual profiles for advertising.

Sharing your information

We may share your information in the following limited circumstances:

• With lenders, insurers, registrars or other institutions, but only when it is necessary to progress a service you have asked us for, and only with your knowledge.
• With professional service providers such as IT, email delivery and document storage providers who act on our instructions and are bound by confidentiality obligations.
• With regulators, courts or law enforcement where we are legally required or permitted to do so.
• With your explicit consent for any other purpose.

Every third party we work with is expected to protect your information to a standard consistent with this policy.

Data security

We use administrative, technical and physical safeguards designed to protect your information against unauthorised access, loss, misuse or alteration. These include restricted access to client records, secure storage of documents, and confidentiality obligations on our team and service providers.

No method of transmission over the internet is completely secure. While we work hard to protect your information, we cannot guarantee absolute security, and we encourage you to avoid sending highly sensitive documents over unsecured channels.

How long we keep information

We keep personal information only for as long as it is needed for the purpose it was collected, or as long as required by law, regulation or professional record-keeping obligations. Enquiry records that do not become engagements are deleted on a routine cycle. Newsletter details are kept until you unsubscribe.

Your rights and choices

Depending on where you live, you may have the right to:

• Ask for a copy of the personal information we hold about you.
• Ask us to correct information that is inaccurate or incomplete.
• Ask us to delete your information, subject to our legal and regulatory obligations.
• Object to, or ask us to restrict, certain processing.
• Withdraw consent where we rely on it, including for marketing.

To exercise any of these rights, write to us using the details on our contact page. We may need to verify your identity before we act on a request.

Children's privacy

Our services are intended for adults. We do not knowingly collect personal information from children without the involvement of a parent or guardian. If you believe a child has provided us with personal information, please contact us and we will remove it.

Links to other websites

Our website may link to third-party websites for your convenience. We do not control those sites and are not responsible for their content, security or privacy practices. We encourage you to read the privacy policy of any site you visit.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology or legal obligations. Any updated version will be published on this page, and material changes will be highlighted where appropriate. Continuing to use our website after an update indicates your acceptance of the revised policy.

Contact us about privacy

If you have a question about this policy, or about how we handle your information, please write to us using the details on our contact page. We would rather answer a question early than resolve a complaint later.