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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.
Inspire Financial Solutions Ltd 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 “Inspire Financial Solutions Ltd”, “we”, “us” or “our” we are referring to Inspire Financial Solutions Ltd.
Inspire Financial Solutions Ltd is a company registered in England and Wales with Company Number 6723086, whose registered office is at 11, Stratford Road, Solihull, West Midlands B90 3LU. Inspire Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority. Inspire Financial Solutions Ltd Financial Services Register number is 714824
We provide you with an, ‘Independent advised’ sales service or a ‘no advice’ sales services. Please see our relevant Initial Disclosure Documents for further information.
In the course of providing our service to you we may collect the following personal data when you provide it to us:
Information collected from other sources
We also obtain personal data from other sources in the course of providing our intermediary services. Where we obtain this information from another party it is their responsibility to make sure they explain that they will be sharing personal data with us and, where necessary, ask permission before sharing information with us.
The personal data we obtain from other sources may include the following:
The below table sets out:
|Rationale/Reason for Processing||Lawful Basis for Processing||Third party recipients linked to that activity|
|to provide you with intermediary services||Performance of a contract||Bankhall Support Services/Iress systems/O & M Systems/Ipipeline/Mortgage Brain|
|to apply for decisions in principle for mortgage products and/or quotations for protection and/or general insurance products on your behalf||Performance of a contract||Lenders/Product Providers|
|to apply for products on your behalf||Performance of a contract||Product Providers|
|to refer you to third party advisers to provide you with advice in relation to Defined Benefits schemes||Consent||Harron Financial Ltd|
|to retain records of any services or advice provided to you by us in order to defend potential legal claims or complaints||Legitimate interests||External supplier(s) of data storage and data hosting services to retain records on our behalf|
|to provide you with details of products and services from us and third parties that may be of interest to you in accordance with your preferences. For more information see ‘Marketing’ below||Consent||Product providers|
Certain types of personal data are considered more sensitive and so are subject to additional levels of protection under data protection legislation. These are known as ‘special categories of data’ and include data concerning your health, racial or ethnic origin, genetic data and sexual orientation. Data relating to criminal convictions or offences is also subject to additional levels of protection.
We may process:
In addition to the lawful basis for processing this information set out in the above table, we will be processing it either (i) for the purpose of advising on, arranging or administering an insurance contract or (ii) for the establishment, exercise or defence of legal claims.
In the course of our activities relating to the prevention, detection and investigation of financial crime, we may process criminal conviction or offence information. Where we do so, in addition to the lawful basis for processing this information set out in the above table, we will be processing it for the purpose of compliance with regulatory requirements relating to unlawful acts and dishonesty.
We may use personal data we hold about you to help us identify, tailor and provide you with details of products and services from us that may be of interest to you. We will only do so where we have obtained your consent and then have a legitimate business reason to do this and will do so in accordance with any marketing preferences you have provided to us.
In addition, where you provided your consent, we may provide you with details of products and services of third parties where they may be of interest to you.
You can opt out of receiving marketing at any time. If you wish to amend your marketing preferences please contact us:
By phone: 01509 672414
By email: email@example.com
By Post: 5, Market Place, Kegworth, Derby DE74 2EE
In addition, you can opt out of receiving marketing at any time by clicking the ‘unsubscribe’ link at the bottom of every email.
We will tell you if providing some personal data is optional, including if we ask for your consent to process it. In all other cases you must provide your personal data in order for us to provide you with intermediary services.
We will hold your personal data for differing periods of time depending upon the reason we have for processing it.
We will not transfer your personal data outside of the European Economic Area or to any organisation (or subordinate bodies) governed by public international law or which is set up under any agreement between two or more countries.
You have a right to ask us for more information about the safeguards we have put in place as mentioned above. To learn more, please see ‘Your rights’ below.
You have legal rights under data protection regulation in relation to your personal data. These are set out under the below headings:
We may ask you for proof of identity when making a request to exercise any of these rights. We do this to ensure we only disclose information or change your details where we know we are dealing with the right individual.
We will not ask for a fee, unless we think your request is unfounded, repetitive or excessive. Where a fee is necessary, we will inform you before proceeding with your request.
We aim to respond to all valid requests within one month. It may however take us longer if the request is particularly complicated or you have made several requests. We will always let you know if we think a response will take longer than one month. To speed up our response, we may ask you to provide more detail about what you want to receive or are concerned about.
We may not always be able to fully address your request, for example if it would impact the duty of confidentiality we owe to others, or if we are otherwise legally entitled to deal with the request in a different way.
To access personal data
You can ask us to confirm whether or not we have and are using your personal data. You can also ask to get a copy of your personal data from us and for information on how we process it.
To rectify / erase personal data
You can ask that we rectify any information about you which is incorrect. We will be happy to rectify such information but would need to verify the accuracy of the information first.
You can ask that we erase your personal data if you think we no longer need to use it for the purpose we collected it from you.
You can also ask that we erase your personal data if you have either withdrawn your consent to us using your information (if we originally asked for your consent to use your information), or exercised your right to object to further legitimate use of your information, or where we have used it unlawfully or where we are subject to a legal obligation to erase your personal data.
We may not always be able to comply with your request, for example where we need to keep using your personal data in order to comply with our legal obligation or where we need to use your personal data to establish, exercise or defend legal claims.
To restrict our use of personal data
You can ask that we restrict our use of your personal data in certain circumstances, for example
We can continue to use your personal data following a request for restriction where we have your consent to use it; or we need to use it to establish, exercise or defend legal claims, or we need to use it to protect the rights of another individual or a company.
To object to use of personal data
You can object to any use of your personal data which we have justified on the basis of our legitimate interest, if you believe your fundamental rights and freedoms to data protection outweigh our legitimate interest in using the information. If you raise an objection, we may continue to use the personal data if we can demonstrate that we have compelling legitimate interests to use the information.
To request a transfer of personal data
You can ask us to provide your personal data to you in a structured, commonly used, machine-readable format, or you can ask to have it transferred directly to another data controller (e.g. another company).
You may only exercise this right where we use your personal data in order to perform a contract with you, or where we asked for your consent to use your personal data. This right does not apply to any personal data which we hold or process outside automated means.
To contest decisions based on automatic decision making
If we made a decision about you based solely by automated means (i.e. with no human intervention), and the decision made by us produces a legal effect concerning you, or significantly affects you, you may have the right to contest that decision, express your point of view and ask for a human review. These rights do not apply where we are authorised by law to make such decisions and have adopted suitable safeguards in our decision making processes to protect your rights and freedoms.
To obtain a copy of our safety measures for transfers outside of Europe
You can ask for a copy of, or reference to, the safeguards we have put in place when your personal data is transferred outside of the European Economic Area. We are not required to share details of these safeguards where sharing such details would affect our commercial position, or create a security risk.
You can contact us for more information
If you are not satisfied with the level of information provided in this privacy notice, you can ask us about what personal data we have about you, what we use your information for, who we disclose your information to, whether we transfer it abroad, how we protect it, how long we keep it for, what rights you have, how you can make a complaint, where we got your data from and whether we have carried out any automated decision making using your personal data.
If you would like to exercise any of the above rights, please:
We have appropriate security measures in place to prevent personal data from being accidentally lost, or used or accessed in an unauthorised way. We limit access to your personal data to those who have a genuine business need to know it. Those processing your information will do so only in an authorised manner and are subject to a duty of confidentiality.
We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.
If you are not happy with the way we are handling your information, you have a right to lodge a complaint with the Information Commissioners Office. It has enforcement powers and can investigate compliance with data protection regulation (www.ico.org.uk).
We ask that you please attempt to resolve any issues with us before the ICO.
Please contact Mr Stephen Higton our Data Protection Officer if you have any questions about this privacy notice or the information we hold about you.
If you wish to contact Mr Stephen Higton our Data Protection Officer please send an email or write to: firstname.lastname@example.org or at 5, Market Place, Kegworth, Derby DE74 2EE
Glossary of Terms
|we, us or our||Inspire Financial Solutions Ltd is a company registered in England and Wales with a company number 6723086 and having its registered office at 11, Stratford Road, Solihull, West Midlands B90 3LU
|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 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, which may include:
· Introducing you to a third party provider/lender
|lenders||a mortgage lender (for a list of current lenders which we work with, please contact us – see How to contact us above)|
|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|
This policy covers Inspire Financial Solutions Ltd use of personal information that Inspire Financial Solutions Ltd collects when you use the website. From time to time, you will be asked to submit personal information about yourself (e.g. name, address and email address) in order to receive or use services on our website. Such services include online enquiries.
By entering your details in the fields requested, you enable Inspire Financial Solutions Ltd to provide you with the services you select. Whenever you provide such personal information, we will treat that information in accordance with this policy. When using your personal information Inspire Financial Solutions Ltd will act in accordance with current legislation and aim to meet or exceed current Internet best practice.
A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your browser from a website’s computer and stored on your computer’s hard drive. Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a web site to access the cookies it has already sent to you, not the cookies sent to you by other sites.
Cookies can be used to record information about your online preferences, how often you have visited the website or even to store information about what you did on the website, such as added a product to the shopping basket. Users have the opportunity to set their computers to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these, of course, means that certain personalised services cannot then be provided to that user. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.
For further information on cookies please visit www.aboutcookies.org.
This website uses Google Analytics and WordPress and these are only set upon approval from you on your first visit. You will still be able to use the websites full functionality without accepting to use these Cookies.
This website offers the visitor, on their first visit to either accept cookies or not in accordance with an EU Directive set out on May 27th 2010. If you choose not to accept cookies on your first visit you will still be able to experience the full functionality of this website. If you chose to accept cookies this will be remembered for 1 year or until the user removes the set cookie.
When you supply any personal information toInspire Financial Solutions Ltd (e.g forInspire Financial Solutions Ltd online enquiries) we have legal obligations towards you in the way we use these data. We must collect the information fairly, that is, we must explain how we will use and tell you if we want to pass the information on to anyone else.
In general, any information you provide toInspire Financial Solutions Ltd will only be used internally withinInspire Financial Solutions Ltd. Your information will only be disclosed where we are obliged or permitted by law. Also, if you post or send offensive, inappropriate or objectionable content anywhere on or toInspire Financial Solutions Ltd or otherwise engage in any disruptive behaviour onInspire Financial Solutions Ltd,Inspire Financial Solutions Ltd can use whatever information that is available to it about you to stop such behaviour. This may involve informing relevant third parties such as your employer, e-mail/Internet provider and law enforcement agencies about the content and your behaviour.
We will hold your personal information on our systems for as long as you use the service you have requested, and remove it in the event that the purpose has been met. For safety reasons, however,Inspire Financial Solutions Ltd may store messaging transcript data (including message content, names, times and dates) arising from the use ofInspire Financial Solutions Ltd. We will ensure that all personal information supplied is held securely, in accordance with the Data Protection Act.
You have the right to request a copy of the personal information that Inspire Financial Solutions Ltd holds about you and to have any inaccuracies corrected. (We charge £20 for information requests.) Please address requests to email@example.com.