Privacy Policy

Introduction

Spectra Glide Financial Services Ltd ("we", "our", or "us") is committed to protecting your personal information. This privacy policy explains what information we collect, how we use it, and your rights regarding that information.

We are registered with the Information Commissioner's Office and comply with UK data protection legislation including the UK GDPR and Data Protection Act 2018.

Information We Collect

When you engage our services or visit our website, we may collect the following categories of information:

Personal Identification Information

This includes your name, date of birth, address, email address, and identification documents necessary for regulatory compliance and client verification.

Financial Information

To provide financial advice, we collect information about your income, expenses, assets, liabilities, pension arrangements, investment accounts, and other financial circumstances relevant to our services.

Employment Information

Details about your occupation, employer, and employment history help us understand your financial situation and provide appropriate guidance.

Website Usage Information

When you visit our website, we may collect technical information such as IP address, browser type, pages visited, and time spent on pages through cookies and similar technologies.

How We Use Your Information

We process your personal information for the following purposes:

Service Provision

To deliver the financial planning and advisory services you've requested, including analysis of your situation, development of recommendations, and ongoing portfolio management where applicable.

Regulatory Compliance

Financial services are heavily regulated. We use your information to comply with obligations under the Financial Services and Markets Act, anti-money laundering legislation, and requirements imposed by the Financial Conduct Authority.

Communication

To respond to your enquiries, schedule appointments, provide service updates, and maintain our professional relationship.

Business Operations

For internal record-keeping, quality assurance, training purposes, and improvement of our services.

Marketing

With your explicit consent, we may send you information about services, market insights, or educational content we believe may interest you. You can withdraw this consent at any time.

Legal Basis for Processing

We process your personal data under one or more of the following legal bases:

• Contract Performance: Processing necessary to provide services you've engaged us to deliver.
• Legal Obligation: Compliance with regulatory requirements imposed on financial services firms.
• Legitimate Interests: Business operations that support service delivery and don't override your privacy rights.
• Consent: Where you've provided explicit permission for specific uses such as marketing communications.

Information Sharing

We do not sell your personal information to third parties. We may share information with the following categories of recipients:

Service Providers

Third-party providers who support our operations, including investment platforms, portfolio management systems, and IT service providers. These parties are contractually obligated to protect your information and use it only for specified purposes.

Professional Advisors

In some circumstances, we may consult with accountants, solicitors, or other professionals regarding your situation. This occurs only with your knowledge and typically with your explicit consent.

Regulatory Authorities

We are required to provide information to the Financial Conduct Authority, HMRC, and other regulatory bodies when legally obligated to do so.

Legal Requirements

We may disclose information if required by law, court order, or to protect our legal rights.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy and to meet legal and regulatory requirements.

For current clients, we maintain records throughout our relationship. After a client relationship ends, we retain records for a minimum of six years as required by Financial Conduct Authority regulations. Some records may be kept longer where specific regulations require extended retention.

Website analytics and cookie data are retained for shorter periods, typically 12-24 months.

Data Security

We implement appropriate technical and organisational measures to protect your information against unauthorised access, alteration, disclosure, or destruction.

Security measures include encrypted data transmission, secure servers, access controls limiting staff access to client information on a need-to-know basis, and regular security assessments.

While we take reasonable precautions, no internet-based service can be completely secure. You are responsible for keeping your login credentials confidential if you use any client portals we provide.

Your Rights

Under UK data protection law, you have the following rights:

Right of Access

You can request a copy of the personal information we hold about you, along with information about how we use it.

Right to Rectification

If information we hold is inaccurate or incomplete, you can request that we correct or complete it.

Right to Erasure

In certain circumstances, you can request deletion of your personal information. This right is limited where we have legal obligations to retain records.

Right to Restrict Processing

You can request that we limit how we use your information in specific circumstances, such as while we verify accuracy of disputed information.

Right to Data Portability

You can request that we provide your information in a structured, commonly used format for transfer to another provider.

Right to Object

You can object to processing based on legitimate interests or for direct marketing purposes.

Rights Related to Automated Decision-Making

We do not use fully automated decision-making processes that produce legal effects. Human advisors make all significant decisions regarding your financial planning.

To exercise any of these rights, contact us at [email protected]. We will respond within one month unless the request is particularly complex.

Cookies and Website Technologies

Our website uses cookies to enhance functionality and understand how visitors use the site. For detailed information about our cookie usage, please see our Cookies Policy.

Third-Party Links

Our website may contain links to external sites not operated by us. We are not responsible for the privacy practices of third-party websites. We encourage you to review the privacy policies of any external sites you visit.

Children's Privacy

Our services are not directed at individuals under 18 years of age. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. Significant changes will be communicated to active clients via email. The "last updated" date at the top of this policy indicates when it was most recently revised.

Contact and Complaints

If you have questions about this privacy policy or how we handle your information, contact us at:

Spectra Glide Financial Services Ltd
29 Castle Street
Liverpool L2 4SU
Email: [email protected]

If you are unhappy with how we've handled your information, you have the right to lodge a complaint with the Information Commissioner's Office:

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire SK9 5AF
Telephone: 0303 123 1113
Website: www.ico.org.uk