1. About this Privacy Policy

This Privacy Policy explains how personal information is collected and used when you visit the Focused Wealth website, contact us, make an enquiry or engage with us in relation to our financial planning and advice services.

2. Who we are

Focused Wealth provides independent financial advice and financial planning services.

Focused Wealth is a trading name of Financial Solutions Advisers Limited. Financial Solutions Advisers Limited is an Appointed Representative of Financial Solutions Group Limited, which is authorised and regulated by the Financial Conduct Authority.

Financial Solutions Advisers Limited is registered in England and Wales under company number 10544288.

Registered office:

Clyst House
Manor Drive
Clyst St Mary
Exeter
EX5 1GB

For questions about this Privacy Policy or how your personal information is used, please contact:

Email: martin.palmer@focusedwealth.co.uk
Telephone: 07812 122 507

3. Information we may collect

The personal information we collect will depend upon your relationship with us and the services you require.

This may include:

• your name, address and contact details;
• your date of birth and identification information;
• information about your family and personal circumstances;
• information about your employment, income and expenditure;
• details of your assets, liabilities, investments, pensions and other financial arrangements;
• information about your financial objectives, priorities and attitude to investment risk;
• correspondence and records of our communications with you;
• information you provide when completing forms or contacting us through our website; and
• technical information relating to your use of our website.

Where necessary to provide financial advice or arrange certain financial products, we may also need to collect special category personal information, including information about your health.

4. How we collect your information

We may collect personal information:

• directly from you when you contact us, complete a form, meet with us or engage us to provide services;
• through our website and electronic communications;
• from product providers, investment platforms and other financial institutions with your authority;
• from professional advisers or other people acting on your behalf;
• from Financial Solutions and other organisations involved in providing or supporting our services; and
• from publicly available sources where appropriate.

5. How we use your information

We may use your personal information to:

• respond to enquiries and communicate with you;
• understand your circumstances, objectives and financial planning needs;
• provide financial planning and regulated financial advice;
• research, recommend and arrange financial products and services;
• provide ongoing financial planning and review services;
• administer and maintain our relationship with you;
• meet our regulatory, legal and compliance obligations;
• prevent and detect fraud, financial crime and other unlawful activity;
• maintain appropriate business and regulatory records; and
• operate, maintain and improve our website and services.

We will only use your personal information where we have a lawful basis for doing so.

6. Our lawful bases for processing

Depending upon the circumstances, we may process your personal information because:

Contract – processing is necessary to provide services you have asked us to provide or to take steps at your request before entering into a contract.

Legal obligation – processing is necessary to meet legal or regulatory obligations applying to us or the firms through which our regulated services are provided.

Legitimate interests – processing is necessary for legitimate business interests, such as administering our business, communicating with clients and prospective clients, maintaining records and improving our services, provided those interests are not overridden by your rights.

Consent – in some circumstances we may ask for your consent to process particular information. Where we rely upon consent, you may withdraw it at any time.

Where we process special category information, such as health information, we will only do so where an additional lawful condition permits us to do so.

7. Who we may share your information with

Where necessary and appropriate, we may share personal information with organisations involved in providing or supporting your financial planning and advice.

These may include:

• Financial Solutions Advisers Limited and Financial Solutions Group Limited;
• product providers, investment platforms and investment managers;
• pension providers and insurance companies;
• professional advisers such as accountants, solicitors and tax advisers where appropriate and authorised;
• compliance, regulatory and professional-support providers;
• technology, software, communications and data-storage providers;
• identity verification, fraud prevention and anti-money-laundering services;
• regulators, government bodies, law-enforcement agencies and other authorities where required by law; and
• other organisations where you have authorised us to share information.

We will not sell your personal information.

8. How we protect your information

We take appropriate technical and organisational measures to protect personal information against unauthorised access, alteration, disclosure, loss or misuse.

Access to personal information is limited to those who have a legitimate business need to use it, and organisations processing information on our behalf are expected to apply appropriate security and confidentiality standards.

9. International transfers

Some organisations that provide technology or other services to us may process or store personal information outside the United Kingdom.

Where personal information is transferred internationally, appropriate safeguards will be used as required by UK data protection law.

10. How long we keep your information

We retain personal information only for as long as reasonably necessary for the purpose for which it was collected and to meet our legal, regulatory and professional obligations.

The period for which information is retained will therefore depend upon the nature of the information, the services provided and any applicable legal or regulatory requirements.

11. Your data protection rights

Depending upon the circumstances, UK data protection law gives you rights in relation to your personal information. These may include the right to:

• request access to personal information held about you;
• ask for inaccurate or incomplete information to be corrected;
• request deletion of your personal information in certain circumstances;
• request restriction of the way your information is processed;
• object to certain types of processing;
• request transfer of information to you or another organisation in certain circumstances; and
• withdraw consent where processing is based upon your consent.

Not all rights apply in every circumstance, and legal or regulatory obligations may sometimes require us to retain information.

You have the right to object to processing based on legitimate interests and to the use of your personal information for direct marketing.

12. Marketing

We will only send marketing communications where we are permitted to do so.

You may ask us to stop sending marketing communications at any time. This will not prevent us from contacting you where necessary in connection with services we provide to you or other important administrative, legal or regulatory matters.

13. Cookies and website information

Our website may use cookies and similar technologies to enable the website to function, understand how it is used and improve the visitor experience.

You can control cookies through your browser settings and, where applicable, through the cookie controls provided on our website.

We can later decide whether we need a separate Cookie Policy once we’ve checked exactly what WordPress/Elementor and any analytics tools are setting. I don’t want to claim specific cookies we haven’t verified.

14. Other websites

Our website may contain links to websites operated by other organisations.

This Privacy Policy applies to the Focused Wealth website. We are not responsible for the privacy practices of third-party websites, and you should review their privacy information when visiting them.

15. How to complain

If you have concerns about how your personal information has been handled, please contact us first so that we have an opportunity to address them.

You also have the right to complain to the Information Commissioner’s Office (ICO), the UK’s data protection regulator.

Information Commissioner’s Office

Telephone: 0303 123 1113

16. Changes to this Privacy Policy

We keep this Privacy Policy under review and may update it from time to time to reflect changes to our services, legal or regulatory requirements or the way we use personal information.

The latest version will always be available on this website.

17. Contact us

If you have any questions about this Privacy Policy or the personal information we hold about you, please contact:

Focused Wealth
Email: martin.palmer@focusedwealth.co.uk
Telephone: 07812 122 507