PSG Data Privacy Policy This Data Privacy Notice explains how we use any personal information we collect about you, in line with our responsibilities set out by the General Data Protection Regulation (GDPR). What information do we collect about you? We collect information about you when you engage with us for mortgage and/ or insurance advice. This information will relate to your personal and financial circumstances. It may also include special categories of personal data, such as data about your health, if this is necessary for the provision of our services. We may also collect information when you voluntarily complete client surveys or provide feedback to us. Information about connected individuals We may need to gather personal information about your close family members and dependents in order to provide our services to you effectively. In such cases it will be your responsibility to ensure that you have the consent of the people concerned to pass their information on to us. We will provide a copy of this Data Privacy Notice for them, or where appropriate, ask you to pass the privacy information to them. Why do we need to collect and use your personal data? The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data, we would also be unable to fulfil our legal and regulatory obligations. Where special category data is required, we’ll obtain your explicit consent in order to collect and process this information. How will we use the information about you? We collect information about you in order to provide you with the services for which you engage with us. Who might we share your information with? If you agree, we may email you about other products or services that we think may be of interest to you. We won’t share your information for marketing purposes with companies outside of PSG Financial Consultants LTD. In order to deliver our services to you effectively, we may send your details to third parties such as those that we engage with for professional compliance, accountancy or legal services, as well as product and platform providers that we use to arrange financial products for you. Where third parties are involved in processing your data, we will have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions. Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit. To fulfil our obligations in respect of the prevention of money-laundering and other financial crime, we may send your details to third party agencies for identity verification purposes. How long do we keep hold of your information? During the course of our relationship with you, we will retain personal data which is necessary to provide services to you. We’ll take all reasonable steps to keep your personal data up to date throughout our relationship. We are also subject to regulatory requirements to retain your data for specified minimum periods. These are, generally: Three years for mortgage business Three years for insurance business These are minimum periods, during which we have a legal obligation to retain your records. Your personal data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have a legal right to such information we will retain records indefinitely. You have the right to request deletion of your personal data. We will comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above. How can I access the information you hold about me? You have the right to request a copy of the information that we hold about you. If you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below. When your personal data is processed by automated means you have the right to ask us to move your personal data to another organisation for their use. We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect. Marketing We would like to send you information about our products and services which may be of interest to you. If you’ve agreed to receive marketing information, you may opt out at a later date. You have a right at any time to stop us from contacting you for marketing purposes. If you no longer wish to be contacted for marketing purposes, please contact us by email or post. Other websites Our website may contain links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies. What can you do if you are unhappy with how your personal data is processed? You have the right to lodge a complaint with the supervisory authority for data protection. In the UK this is the Information commissioner’s Office (ICO): Information Commissioner’s OfficeWycliffe HouseWater LaneWilmslowCheshireSK9 5AF 0303 123 1113 (local rate) Individuals Rights The GDPR sets out the following rights for individuals: The right to be informed. The right of access. The right to rectification. The right to erasure. The right to data portability. The right to object. Full details of these rights can be found on the ICO website, ico.org.uk, or by following the link below: The rights of individuals | ICO Sensitive personal data As explained above, there are certain categories of personal data that are more sensitive by nature. These categories include but are not limited to, data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership and data concerning health. Depending on the nature of the products and services that you engage us for we may need to obtain your sensitive personal data particularly in relation to health. In the case where we need to process special category (sensitive) data as described above, we will request your consent. Changes to our privacy policy We keep our privacy policy under regular review. This privacy policy was last updated on 20/12/2023. How to contact us Please contact us if you have any questions about our privacy policy or information we hold about you: By email at info@psgfinancialconsultants.uk Or by writing to us at Units 7 & 8, Hill Farm, Kirby Lane, Kirby Bedon, NR14 7DU. Or by calling us on 01508 50 55 55. Consent If you have previously provided us with your consent, please note that you may withdraw this consent at any time by notifying using the contact details above.