ISACO Ltd is committed to preserving the privacy of every visitor to this website. This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
The information you provide is subject to EU General Data Protection Regulation. In visiting this site, you consent that we may process your personal data for the purposes of providing information and administration.
Under the rules of the EU GDPR, we are classed as the “data controller”, and we must fulfil certain legal responsibilities to you. By sharing your data with other organisations there will be multiple “data controllers” involved in the process who must equally fulfil these responsibilities to you.
Information we may collect from you
We may collect and process the following data about you:
- Information that you provide at the time of registering to use our site, subscribing to our service, or requesting further services. We may also ask you for information when you report a problem with our site.
- If you contact us, we may keep a record of that correspondence.
- Details of transactions you carry out through our site and of the fulfilment of your orders.
- Details of your visits to our site including, but not limited to, traffic data, location data and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.
If you ask for further information about our service, then we may contact you by telephone and ask further information from you:
- Information about you, your family and your business and personal affairs;
- You may also provide information through our data capture form and by postal communications and emails.
- You may also provide us with copies of documents about your financial affairs which we retain.
- We could also collect information from third parties about you, in paper and computer forms. E.g. information from providers about your existing investments.
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. This website stores the following cookies on your computer.
These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited. Click here for an overview of privacy at Google.
These cookies are used to collect information about how visitors use our site. We use the information gathered by these cookies to compile reports and to help us improve the site. The cookies also help us to customise our marketing efforts through various media and formats.
Where we store your personal data
We record your information on our paper files and our computer database.
Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk.
Uses made of the information
Primarily, we use your data to provide information about ISAs, SIPPs or our Shadow Investment Service.
We use information held about you in the following ways:
- to ensure that content from our site is presented in the most effective manner for you and for your computer;
- to provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes;
- to carry out our obligations arising from any contracts entered into between you and us;
- to allow you to participate in interactive features of our service, when you choose to do so;
- to notify you about changes to our service.
- to complete transactions on your behalf (when we arrange an on-line platform service for you.)
- we review your data periodically to maintain and develop our relationships with you.
We ask you if you are willing to receive marketing information from us. We ask your preferences for the methods by which we can contact you for marketing purposes. If you provide us with this consent, then we will contact you periodically with updates. You can withdraw this permission at any time by contacting us.
We will retain your data for the purposes of providing our services, and for future administration. We will also retain your data according to the statutory requirements. If you wish us, or any company associated with us, to cease processing your personal data or special personal data, please contact The Data Protection Officer at our office address.
Disclosure of your information
We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.
We may disclose your personal information to third parties:
- In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
- If ISACO Ltd or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
- If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms and conditions of supply and other agreements; or to protect the rights, property, or safety of ISACO Ltd, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
- When we arrange a product for you where we will pass some of your information to the chosen pension provider or platform service. These companies ask for your information in the form of an application document (which could be electronic). They may ask for other supporting data relevant to your transaction and copies of your identification documents.
- If a regulatory body request to see our files or you make a complaint we will disclose your personal information to the FCA, FOS or any other statutory, governmental or regulatory body.
- If we are involved in a dispute with you we will share information with solicitors and debt collection agencies.
We may also disclose data to third-party suppliers who provide services to us for quality control purposes and administration. (E.g. email marketing services, client database systems, or compliance and regulatory advice services.)
You agree that relevant personal information held by ourselves may be disclosed on a confidential basis, and in accordance with regulations, to these parties.
We would ask for your permission to pass your information to specialist advisers in the financial and insurance industry where we do not feel we can help you. E.g. if you required advice on investments or pensions.
Sensitive personal data
The information you provide may also contain “special personal data.” This is defined as information about your health (or that of your family), any information related to your ethnic origin, criminal offence data, political opinions, religious or philosophical beliefs, sexual orientation, or your membership of a Trade Union. E.g. (1) You may share information about your health when discussing your financial affairs (2) You may share your political opinions whilst discussing the effect of governmental policy on the economy and markets.
The collection of data is necessary for us to perform our contractual responsibilities to you.
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at firstname.lastname@example.org.
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Steps will be taken to ensure that the information we hold is accurate, kept up to date and not kept for longer than is necessary. We will correct any information when you tell us that we hold inaccurate data. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss, destruction or damage to the data.
Access to information
Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us, and this will normally be free of charge. You would only be charged a fee to provide further copies of the same information already provided, or if your request is unfounded, excessive or repetitive. (The fee will be based on the administrative cost of providing the information.)
You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for legitimate purposes we have described. You have a right to complain to the Information Commissioners Office if you believe there is a problem with the way we handle your data. The ICO can be contacted on 0303 123 1113 or ico.org.uk/