We take your privacy very seriously and we ask that you read this privacy notice carefully as it contains important information on who we are, how and why we collect, store, use and share personal data, your rights in relation to your personal data and on how to contact us and supervisory authorities in the event you have a complaint.
Italicised words in this privacy notice have the meaning set out in the Glossary of Terms at the end of this document.
Financial Protection Limited collects, uses and is responsible for certain personal data about you. When we do so we are required to comply with data protection regulation and we are responsible as a data controller of that personal data for the purposes of those laws.
When we mention “FPL”, “we”, “us” or “our” we are referring to Financial Protection Limited.
We are a company registered in England and Wales (company number 08638135) Financial Protection Limited whose registered office is at Forshaws Accountants Limited, Railex Business Centre, Crossens Way, Southport, Merseyside, PR9 9LY. [Financial Protection Limited.] We provide you with financial advice on a range of products from life insurance, critical illness insurance, income protection, health insurance, and wills.
|Rationale/Reason for Processing||Lawful Basis for Processing||Third party recipients linked to that activity|
|We process your personal data so that we can fulfil our contractual obligations and deliver the service that you request from us. Such processing takes place in our secure systems with limited personnel access and the systems of our processing partners.||Performance of a contract||Our Principal, Dragon Brokers Limited and the Dragon network of insurers, including One Family, Royal London, Liverpool Victoria, Vitality and Legal & General|
|For auditing and reporting purposes||Compliance with a legal obligation||Financial Conduct Authority, HMRC, Our FCA Principal|
|We use your personal information in the administration of your account and where appropriate, to advise you similar financial products and services that may be of interest to you. You can opt out of this at any time.||Legitimate Interest||We will always let you know if there are any third parties that could offer similar and relevant products.|
|Type of Record||Retention Period|
|Personal data for successful cases.||We keep records of cases that have been successful for 7 years.|
|Personal data for cases that we’re not successful or we couldn’t assist with.||We keep records of unsuccessful cases for 4 years.|
|we, us or our||Financial Protection Ltd (FPL) a company registered in (England and Wales) (Scotland) (company number 08638135) and having its registered office at Forshaws Accountants Limited, Railex Business Centre, Crossens Way, Southport, Merseyside|
|contact information||these are details that can be used to contact a person, including title, first name, surname, personal telephone number, fax, email address, home address, country, postcode or city of residence. This may also include work contact information such as work telephone number, fax, work email and work address|
|data controller||means a natural or legal person (such as a company) which determines the means and purposes of processing of personal data. For example, we are your data controller as we determine how we will collect personal data from you, the scope of data which will be collected, and the purposes for which it will be used in the course of us providing you with intermediary services|
|data protection regulation||applicable data privacy and protection laws|
|employment status||this is information about your work, if you are employed, self-employed, unemployed, a student or on job seeker allowance|
|FCA||the Financial Conduct Authority, being the independent watchdog that regulates financial services|
|financial information||this is information relating to your financial status, including salary/income, outgoings/expenditure, tax rate and P60|
|health information||this is information relating to your medical history, including symptoms, diagnoses, procedures and outcomes, as well as information about your height and weight. This could include previous and current or persistent medical conditions and family medical history|
|identity information||this is any information that can be used to distinguish a person or verify their identity, such as name, date of birth, place of birth, gender, marital status, national identity card/number, passport, drivers licence and national insurance number|
|intermediary services||these are the services we provide to you in relation to the products|
|lifestyle information||this includes both work and leisure behaviour patterns. Most relevant to your products may be your smoker status, alcohol consumption, health, retirement age and exercise habits|
|product||this is an investment, pension, mortgage, protection and/or general insurance product in respect of which we may provide intermediary services to you|
|product provider||a company which provides investment, pension, protection and/or general insurance products (for a list of product providers which we work with, please contact us – see How to contact us above)|
|sanction check information||this is information relating to your politically exposed persons (PEPs) status and Her Majesty’s Treasury financial sanctions status, which is recorded to prevent fraud and money laundering|
|vulnerability||a vulnerable consumer is someone who, due to their personal circumstances, is especially susceptible to detriment, particularly when an advisory firm is not acting with appropriate levels of care. These customers are more likely to suffer severe detriment if something goes wrong. Details of vulnerability fall in to the following categories: health; resilience (financial); life events; and capability (financial knowledge/ confidence)|