Privacy Policy for Freedom Quill Financial

Freedom Quill Financial is committed to protecting the privacy and security of your personal data. This policy outlines how we collect, use, disclose, and protect information obtained through our site and during the provision of our financial planning and advisory services, including pension guidance, consolidation, retirement income strategies, investment management for pensions, estate planning related to pensions, and annuity options. We adhere to the General Data Protection Regulation (GDPR) and other applicable data protection laws.

Information We Collect

We collect personal data that you provide directly to us when you inquire about or use our services. This may include:

• Identity Data: Name, marital status, title, date of birth, and gender.
• Contact Data: Residential address, email address, and telephone numbers.
• Financial Data: Bank account details, pension details, income, investment history, and other financial circumstances relevant to our services.
• Sensitive Data: In some cases, we may collect information regarding your health, only if directly relevant and necessary for providing specific financial advice (e.g., for certain annuity options or insurance products). This will only be collected with your explicit consent.
• Usage Data: Information about how you use our website, products, and services.
• Marketing and Communications Data: Your preferences in receiving marketing from us and your communication preferences.

How We Use Your Information

We use your personal data for the following purposes:

• To provide comprehensive pension guidance and advice, tailored to your individual needs.
• To facilitate pension consolidation and manage your pension investments.
• To develop and implement retirement income strategies.
• To advise on estate planning related to your pensions.
• To offer guidance on various annuity options.
• To manage our relationship with you, including communicating with you and handling inquiries.
• For internal record keeping and administrative purposes.
• To comply with legal and regulatory obligations.

Disclosure of Your Information

We may share your personal data with third parties where necessary for the provision of our services or where legally required. These may include:

• Regulatory bodies and other authorities, for compliance with legal obligations.
• Professional advisors (e.g., lawyers, accountants) for the purpose of obtaining professional advice.
• Service providers who assist us in our business operations (e.g., IT support, cloud storage providers), under strict confidentiality agreements.
• Pension product providers, investment platforms, and annuity providers, solely for the purpose of implementing your financial plans with your consent.

We will not sell, distribute, or lease your personal information to third parties unless we have your permission or are required by law to do so.

Data Security

We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorised way, altered, or disclosed. Access to your personal data is restricted to employees, agents, contractors, and other third parties who have a business need to know. They will only process your personal data on our instructions and are subject to a duty of confidentiality.

Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. Typically, this retention period will align with regulatory requirements within the financial services industry. Details of retention periods for different aspects of your personal data are available upon request.

Your Data Protection Rights

Under GDPR, you have the following rights regarding your personal data:

• The right to be informed: About how we collect and use your personal data.
• The right of access: To request a copy of the personal data we hold about you.
• The right to rectification: To request that we correct any inaccurate or incomplete personal data.
• The right to erasure ("right to be forgotten"): To request the deletion of your personal data, under certain conditions.
• The right to restrict processing: To request that we limit the way we use your personal data, under certain conditions.
• The right to data portability: To request that we transfer the data we have collected to another organization, or directly to you, under certain conditions.
• The right to object to processing: To object to our processing of your personal data, under certain conditions.
• Rights in relation to automated decision-making and profiling: You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning you or similarly significantly affects you.

To exercise any of these rights, please contact us using the details provided below.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We encourage you to review this policy periodically.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues.