Privacy

Our Privacy Notice explains how we use your personal data, describes the categories of personal data we process and for what purposes. We are committed to collecting and using such data fairly and in accordance with the requirements of the General Data Protection Regulation (GDPR). We may change this policy from time to time by updating this page. You should check this page periodically to ensure that you are happy with any changes.

We take your privacy seriously and you can find out more here about your privacy rights and how we gather, use and share your personal information.

Summary

Who we are

County Capital Wealth Management Limited trading as The Pension Review Service, of Prosperity House, 1 Barnfield Road, Spennymoor, Co. Durham, DL16 6EB acts as controller for the personal information you provide to us.

Your rights

You have the right to object to how we process your personal information. You also have the right to access, correct, sometimes delete and restrict the personal information we use. In addition, you have a right to complain to us and to the data protection regulator. Contact details are shown here.

 

  • Your privacy rights are detailed more fully on the following pages.

How we gather and use personal information

We need to obtain information about you, so that we can provide the financial advice you require. This information is normally obtained directly from clients in a face to face meeting. It may also be obtained by telephone, post or other means. We hold such information as Data Controllers in accordance with the requirements of the Data Protection Act 2018 and the EU General Data Protection Regulation, together referred to as the ‘Regulations’. We use this information to analyse your current and future financial needs so that we can ensure that any subsequent advice takes due account of, and is suitable to, your circumstances. We will not share your information with any other party except as indicated in this Privacy Statement or where required to do so by any statutory, governmental or regulatory body for legitimate purposes.

Sharing and transferring personal information

Where necessary to the provision of our service, we may share your personal information with third parties. The categories of third party are listed later in this notice. We will confirm the actual third parties with whom we might/will share your information when we have identified the product/service providers that we recommend you use. This will usually be done in our suitability report in which we detail our recommendations to you.

Until you have been informed of the actual third parties with whom we might share your information, and provided that you have not terminated our contract or otherwise objected to that sharing, we will only share in a way that does not enable the third party to identify you. Sometimes we transfer personal information to other countries outside the UK for these purposes, where suitable protection is in place.

Keeping personal information

We keep your personal information securely for as long as we need to for the purpose of providing you with financial advice under the terms of our service/fee agreement (contract) or for as long as we are required to by relevant regulations.

Legal basis for collecting/processing information

The legal basis on which most of the information that you provide will be collected and processed is to enable us to provide the financial advice that we have agreed you require. However, some types of information require your explicit consent.  In particular, in relation to any adverse health history you might have. We will seek your consent if required. Where you have given us consent, you have the right to withdraw it at any time.

Full Privacy Notice

Introduction

We take your privacy seriously and you can find out more here about your privacy rights and how we gather, use and share your personal information.

Your Privacy Rights

You have the right to see what personal information we hold about you and you can ask us to correct inaccuracies, delete or restrict personal information or ask for some of your personal information to be provided to someone else. You have the right to object to how we use your personal information. If you need to contact us in relation to any of your rights or wish to make a complaint about how we have used your personal information directly to us or to the Information Commissioner’s Office, you can use the contact details indicated on the first page of this notice.

  • Right to withdraw consent: Where you have given us your consent to use personal information, you can withdraw your consent at any time.
  • Access to your personal information: You can request access to a copy of your personal information.  We will not normally charge for providing this information to you.
  • Portability: You can ask us to provide you or a third party with some of the personal information that we hold about you in a commonly used electronic form.
  • Rectification: You can ask us to change or complete any inaccurate or incomplete personal information held about you.
  • Erasure: You can ask us to delete your personal information where it is no longer necessary for us to use it, you have withdrawn consent, or where we have no lawful basis for keeping it. Note that we might be required by regulations to retain your information even if you want it to be deleted.
  • Right to object: You can object to our processing of your personal information.
  • Restriction: You can ask us to restrict the personal information we use about you where you have asked for it to be erased or where you have objected to our use of it.

Legal basis for collecting/processing information

The legal basis on which most of the information that you provide will be collected and processed is to enable us to provide the financial advice that we have agreed you require.

However, some types of information require your explicit consent.  In particular, where we identify that it is relevant to obtain details from you in relation to any adverse health history you might have, we will seek your explicit consent.

Where you have given us consent, you have the right to withdraw it at any time.

What kinds of personal information we use

We use information relating to your personal situation and financial position.

How we gather your personal information

We obtain personal information:

  • directly from you, usually in a face to face meeting but potentially also by telephone or other means;
  • from other organisations such as investment/pension/insurance providers, where you have provided authority for them to share information relating to your existing plans;
  • from your professional advisers, where you have provided authority for them to share information.
  • We may also obtain some personal information from recording calls or meetings or by making contemporaneous notes of calls or meetings.

How we use your personal information

We hold your personal information as Data Controllers in accordance with the requirements of the Data Protection Act 2018 and the EU General Data Protection Regulation, together referred to as the ‘Regulations’.

We use this information to analyse your current and future financial needs so that we can ensure that any subsequent advice takes due account of, and is suitable to, your circumstances.

We will not share your information with any other party except as indicated in this Privacy Statement or where required to do so by any statutory, governmental or regulatory body for legitimate purposes.

Sharing and transferring personal information

Where necessary to the provision of our service, we may share your personal information with third parties. The categories of third party are listed below.

  • Insurance Providers
  • Pension Providers
  • Annuity providers
  • Investment Providers
  • Investment Platforms
  • Providers of pension transfer comparison reports
  • Compliance Advisers
  • Legal Advisers
  • Back Office Systems Providers
  • Third Party Software Providers

We will confirm the actual third parties with whom we might/will share your information when we have identified the product/service providers that we recommend you use. This will usually be done in our suitability report in which we will detail our recommendations to you.

Until you have been informed of the actual third parties with whom we might share your information, and provided that you have not terminated our contract or otherwise objected to that sharing, we will only share in a way that does not enable the third party to identify you.

Where necessary to implement the service that you require, your personal information might be transferred to other countries outside the UK, but only to jurisdictions where suitable protection is in place.

Keeping personal information

We keep your personal information securely for as long as we need to for the purpose of providing you with financial advice under the terms of our service/fee agreement (contract) or for as long as we are required to by relevant regulations.

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This section only applies to Website/Marketing

This privacy policy sets out how County Capital Wealth Management (trading as The Pension Review Service) uses and protects any information that you supply when you use this website.

County Capital Wealth Management (trading as The Pension Review Service) is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

Under the General Data Protection Regulation (Regulation (EU) 2016/679) (the “GDPR”), we are required to give you certain information about the way your personal information is used.

This notice sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us.

County Capital Wealth Management (trading as The Pension Review Service)

What We Collect

You may give us information about you by corresponding with us by phone, by email, in writing or otherwise, by filling in forms on our websites, when you sign-up for newsletters or by downloading guides.

All telephone calls (incoming and outgoing) to our office are recorded. We do this for training and monitoring to enhance our services to you and for your protection.

We may collect and record the following information:

  • name.
  • contact information including email address and/or telephone number.
  • location information such as postcode.
  • Brief details of your interest.

It may be you will provide other information but this we will not record

We may also collect information about you electronically when you visit our sites or use our services. We may automatically collect the following information:

  • technical information, including information obtained via cookies, the Internet Protocol (IP) address used to connect your computer to the internet, geographic location, browser type and version, browser plug-in types and versions, operating system and platforms.
  • information about your visit, including the source of your visit, the full click path, mouse movement, through our sites (including date and time); services viewed, searches made on our sites, page response times, download errors, length of visits to certain pages, page interaction information and methods used to browse away from the page. This information may be collected using one or more website recording service.

Please note that this is aggregated data and will not contain information that could be used to personally identify an individual. This information is automatically purged from our systems 14 months after receipt.

We may collect information at receipt and opening of emails as follows:

  • technical information, including; your geographic location, browser type and version, device type and operating system and platform.
  • information about how you accessed/used the e-mail, including the full click path from within and on to our sites (including date and time). We may also record whether the email was; unsubscribed from, opened, deleted, forwarded or printed and how long the email was open.

We collect this information in an effort to assess if the information we deliver to you is (or is not) of interest so we can better serve appropriate information to you in future.

What We Do With The Information We Gather

We require this information to understand your needs and provide you with a better service. Under the GDPR regulations, we must have a valid reason for processing your data that passes defined tests. What we will do with your data and our reason for doing so are outlined below.

 

How we use your data                                Our Legal Basis

 

To comply with your request                       To fulfil our contractual obligations

 

To inform you of changes to our                Our legitimate interest

Service

 

To administer our site and internal            Our legitimate interest

Operations

 

To measure the effectiveness of                            Our legitimate interest

Content we deliver to you

 

To keep our sites safe and secure and to             Comply with our legal obligations

Crime and fraud

 

To obtain your feedback on a product, service         Our legitimate interest

or sites via a third party.

 

For statistical and trend analysis, with the aim         Our legitimate interest

of developing and improving our products and services.

 

To provide you with information by post, or email        Only when you have opted in

about products and services of a similar nature to        to these communications

those you have previously purchased or expressed an

interest in which we think may be of interest to you.

 

If you are an existing client to provide you with            Only when you have opted in

Marketing information by post, email or telephone     to these communications

about products and services of a similar nature to

those you have previously purchased or expressed

an interest in which we think may be of interest to you.

 

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

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

Marketing

We may use your personal information to tell you about relevant products and offers. We will only contact you for marketing purposes if you have provided your explicit consent for us to do so.

We review the information we have on you to form a view on what we think may be of interest to you. This is how we decide which products, services and offers may be relevant for you.

You have the right to ask us not to process your personal information for marketing purposes. You can exercise your right to prevent such processing by contacting us by phone, post or email by writing to us at Prosperity House, 1 Barnfield Road, Spennymoor, County Durham, DL16 6EB.

How Long We Keep Your Personal Information

We will keep your personal information for marketing purposes for a maximum of 24 months. We will then email you to ask if you would like us to delete your data. Of course, you may unsubscribe from any email communication we may send at any time.

Access to your information

You have the right to request a copy of the personal information we hold about you, subject to certain exemptions. If you would like a copy of some, or all, of this information you may contact us at Prosperity House, 1 Barnfield Road, Spennymoor, County Durham, DL16 6EB. We will NOT charge a fee for providing you with this information.

Letting Us Know If Your Personal Information Is Incorrect

If any of the information we hold about you is inaccurate or incomplete, you can ask us to make any necessary amendments to your data. Please contact us at Prosperity House, 1 Barnfield Road, Spennymoor, County Durham, DL16 6EB if you want to do this. We will take reasonable steps to check its accuracy and correct it.

How We Use Cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site.

Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links To Other Websites

Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website.

Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Social Media Widgets And Applications

Our sites may include functionality to enable sharing via third party social media applications, such as the Facebook Share button and Twitter widget. These social media applications may collect and use information regarding your use of our sites.

Any personal information that you provide via such social media applications may be collected and used by that social media application and such interactions are governed by the privacy policies of the companies that provide the application. We do not have control over, or responsibility for, those companies or their use of your information.