Privacy Policy and Cookies

Privacy Policy

Who are we?

Assured Retirement Limited is registered under the Data Protection Laws in the United Kingdom and we take all reasonable care to prevent any unauthorised access to your personal data.

This website (which includes all sub domains associated with/linked to it) is published by Assured Retirement Limited.

Assured Retirement Limited is committed to preserving the privacy of all visitors to this website.

Our Privacy Policy contains important information about what personal details we collect; your permission, what we do with that information; who we may share it with and why; and your choices and rights when it comes to the personal information you have given us.

What information do we collect from you?

We collect the following information about you and your dependants when you use our services or we may collect it indirectly from our business partners, such as financial intermediaries:

• Information about who you and your dependants are e.g. your names, dates of birth, marital status and contact details;

• Information connected to the product or service that you have applied for from us e.g. your pension values, bank account details and details of the product options you have chosen;

• Information about your contact with us e.g. from phone calls, emails & letters you send to us;

• Information that is automatically collected e.g. via cookies when you visit one of our websites.

Consent

By registering your personal details on this site and any site linked to this one that is published and operated by Assured Retirement Limited, you consent to the collection, use and transfer of the information under the terms of this policy.

If acting on behalf of a client, by inputting your client’s personal information, you warrant that you have obtained the necessary consent in respect of our processing of your client’s data.

What we collect and use your information for?

We take your privacy seriously and we will only ever collect and use information which is personal to you where it is necessary, fair and lawful to do so. We will collect and use your personal information only where:

• it’s necessary to provide the product or service you have requested e.g. if you wish to invest in one of our pension products we will require some personal information including your name, address, date of birth, bank account details, your pension values and details of product options & benefits you may consider;

• it’s necessary for us to meet our legal or regulatory obligations e.g. to send you Annual Statements, tell you about changes to the Terms and Conditions or for the detection and prevention of fraud;

• it’s in the legitimate interests of Assured Retirement e.g. to deliver appropriate information and guidance so you are aware of the options that will help you get the best outcome from your product; where we need to process your information to better understand you and your needs so we can send you more relevant communications about the products you have with us and the developments of our websites and services.

Who do we share your information with?

The personal information we hold about you may be shared with the following recipients subject to security, contractual and transfer adequacy safeguards as appropriate:

• Intelligent Money Limited and the bank operating your SIPP bank account;

• The Deposit Takers where your funds will be held for the term of your Account;

• Any Professional Adviser nominated by you;

• Law enforcement, credit and identity check agencies for the prevention and detection of crime;

• Our regulators and Supervisory Authority e.g. the Financial Conduct Authority (FCA), the Information Commissioner’s Office for the UK (the ICO);

• HM Revenue & Customs (HMRC) e.g. for the processing of tax relief on pension payments or the prevention of tax avoidance.

Further, we may use your information to contact you for your views on our services and to notify you occasionally about important changes or developments to the site or our services.
We might also use your information to let you know about other products and services, which we offer which may be of interest to you and we may contact you by post, telephone or email. If you change your mind about being contacted in the future, please write to us at Assured Retirement Limited, 23 Westfield Park, Redland, Bristol, BS6 6LT.

How we protect your information?

We take information and system security very seriously and we strive to comply with our obligations at all times. The personal information that we collect and process in any way, whether online, paper or any other media, will have appropriate safeguards applied in line with our data protection obligations.

Your information is protected by controls designed to minimise loss or damage through accident, negligence or deliberate actions. Our employees also protect sensitive or confidential information when storing or transmitting information electronically and must undertake annual training on this.

Our security controls are aligned to industry standards and good practice; providing a control environment that effectively manages risks to the confidentiality, integrity and availability of your information.

Where your information processed

The majority of your information is processed in the UK and European Economic Area (EEA).

However, we may share some of your information with companies who are located outside the EEA. Where your information is being processed outside of the EEA, we take additional steps to ensure your information is used by third parties located outside the European Economic Area in accordance with this policy.

Unless required to do so by law, we will not otherwise share, sell or distribute any of the information you provide to us without your consent.

How long we keep your information

We will keep your personal information only where it is necessary to provide you with our products or services while you are a customer.

We may also keep your information after this period but only where required to meet our legal or regulatory obligations. The length of time we keep your information for these purposes will vary depending on the obligations we need to meet.

Data subject rights to your personal information

You have several rights in relation to how we use your information. They are:

Right to be informed: You have a right to receive clear and easy to understand information on what personal information we have, why and who we share it with – we do this in this Privacy Policy.

Right of access: You have the right of access to your personal information. If you wish to receive a copy of the personal information we hold on you, you may make a Data Access request.

Right to rectification: If you believe that the personal information that we hold about you is inaccurate, incorrect or incomplete, you can request that it is corrected.

Right to request erasure: You can ask for your personal information to be deleted or removed when it is no longer required for a legitimate business need, regulatory obligations or for the purposes it was collected for.

Right to restrict processing: You can ask us to restrict our processing of your personal information for certain reasons, such as resolving any complaints you may have about the way your data is used or if you think our processing is unlawful. This means that we are still permitted to keep your information – but only to ensure we do not use it in the future for those reasons you have restricted.

Right to data portability: You can request a copy of your personal information we hold for your own purposes. In certain circumstances, we may move, copy or transfer the personal information we hold to another company in a safe and secure way. For example, if you were moving your pension to another pension provider.

Right to object: You may object to us processing your personal information for direct marketing analysis. This includes any profiling we perform as part of our direct marketing activities. Once we have received and processed your objection, we will stop using your personal information for these purposes.

Right to withdraw consent: At any time, you may withdraw the consent you gave for your personal information to be used for direct marketing. When you withdraw your consent, it will not affect the lawfulness of any past activities we have undertaken based on the previous consent.

Requests for your personal information shall be provided free of charge. However, where requests are repetitive, or manifestly unfounded or excessive, we may charge you a reasonable fee to cover the administrative costs of providing the information, or may refuse to act on the request.

Changes to our privacy policy

Any changes to our privacy policy in the future will be posted to the site and, where appropriate, through e-mail notification.

Contact

All comments, queries and requests relating to our use of your information are welcomed and should be addressed to Assured Retirement Limited,Redland House, 157 Redland Road, Bristol, BS6 6YE.

Cookies

Our site uses cookies. These are small pieces of data (small text files) that a website stores on your computer’s hard drive after you’ve been to that website. Each cookie contains information about your visit to the website, such as which pages you visited and which products and services you said you were interested in. The next time you visit the site, the cookie will tell the site that you’ve been there before.

We’ll use cookies to identify and remember your preferences for different types of information after you’ve visited our website, and to track your progress through the site. We’ll then use this information to try to enhance your experience when you use our site. For example, we might be able to avoid showing you information or screens you’ve already seen, or give you information we think you may be interested in, based on your previous visits to our website.

This site uses Google Analytics, a web analytics service provided by Google, Inc. For this service, Google sends cookies to your computer which can be used to evaluate the use of the website and produce activity based reports. No personal data is retained or accessed for any other use. Google stores the collected information on servers in the USA which may be transferred to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.

Google Inc are members of the US Safe Harbor Scheme. This scheme allows the transfer of data from within the EEA to countries that are outside of the EEA without having to enter into a specific data transfer agreement. Companies that sign up to the scheme are deemed to provide adequate protection for personal data transmitted from Europe. You can read more information about Google Analytics here. Google has also created an opt-out plugin which is available here.

This site also uses StatCounter for visitor analysis and statistics, and details of their service can be found here. No personal data is retained or accessed for any other use. The service requires the use of cookies, and StatCounter’s legal information and privacy policy can be found here.