Privacy Policy
Why should you read this document?
We ask you to provide detailed personal information (Your Personal Data) related to your circumstances, financial situation, health, and family health history. This document explains how we use Your Personal Data and your rights concerning it.
What is “Your Personal Data”?
Your Personal Data includes any information describing or relating to your personal circumstances, such as:
– Name, address, date of birth, gender, nationality, civil/marital status, contact details, and identity verification documents
– Employment and remuneration details, employment history
– Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances, and details of dependents
– Health status and history, medical reports, treatment, and prognosis
– Information about any pre-existing investment, mortgage, finance, and/or insurance products
How we use Your Personal Data
We use Your Personal Data to:
– Provide investment, mortgage, finance, and/or insurance services
– Fulfill contractual obligations and respond to your inquiries
– Comply with regulatory and legal requirements
Special Data and Criminal Disclosures
We may collect and use special categories of data (such as health information) and criminal disclosures for insurance purposes. This information helps us provide tailored advice and services.
Data Collection
We collect Your Personal Data directly from you during meetings or conversations and through written communications, including emails. We may also gather information from third parties, such as credit checks and public domain sources.
Data Handling and Storage
Your Personal Data will be:
– Recorded and stored in paper files, mobile devices, and computer systems accessible only to authorized personnel
– Shared with product providers, mortgage lenders, commercial lenders, and insurance providers to facilitate your applications and manage your services
Data Sharing
We share Your Personal Data with:
– Investment providers, mortgage lenders, finance lenders, and insurance providers
– Third parties who assist with your inquiry or application, such as compliance advisers, product specialists, estate agents, legal service providers, surveyors, and valuers
We do not share Your Personal Data for marketing purposes without your consent.
Security and Retention
We take reasonable steps to safeguard Your Personal Data against unauthorized access. You should also protect your privacy by using secure methods to transfer information to us. We retain Your Personal Data for at least six years or indefinitely if legally required.
Cookies
We use cookies on our website to enhance your browsing experience. Cookies are small text files placed on your device to collect standard internet log information and visitor behaviour information. This information is used to track visitor use of the website and compile statistical reports on website activity.
You can set your browser not to accept cookies, and the above websites tell you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.
Your Rights
You can:
– Request copies of Your Personal Data
– Ask us to explain how we use Your Personal Data
– Request corrections or deletions of Your Personal Data
– Restrict or stop our use of Your Personal Data
– Ask us to send an electronic copy of Your Personal Data to another organization
– Change or withdraw your consent for marketing communications
Contact Us
For questions or concerns about this policy or to exercise your rights, contact Graham McKnight at graham@tmfg.co.uk.
If you believe we have mishandled Your Personal Data, you can lodge a complaint with the UK’s Information Commissioner’s Office (ICO) at [https://ico.org.uk/global/contact-us/](https://ico.org.uk/global/contact-us/) or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
E-Marketing Consent
We may contact you via electronic means (email, phone, SMS, instant messaging) with marketing or promotional information, but only with your prior, express permission. You can opt out of these communications at any time by contacting Graham McKnight at graham@tmfg.co.uk.
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This policy ensures you understand how The McKnight Financial Group (tmfg) handles Your Personal Data and protects your privacy.