Privacy Policy

Introduction

Platinum Financial Planning Limited (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal information responsibly.

This Privacy Policy explains how we collect, use, store and protect your personal information when you:

• visit our website;
• enquire about our services;
• become a client;
• attend one of our events or webinars; or
• otherwise interact with us.

We process personal information in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018 and the Privacy and Electronic Communications Regulations (PECR).

Who We Are

Platinum Financial Planning Limited is the data controller for the personal information we collect. If you have any questions about this policy or how we use your information, please contact:

Email: info@platinumgroup.co.uk

Telephone: 028 9065 5305

Address: 157 Upper Newtownards Road, Belfast, BT4 3HX

What Information We Collect

The information we collect will depend on the nature of our relationship with you, but may include:

Personal Information

• Name
• Address
• Date of birth
• Contact details
• National Insurance number
• Marital status and family circumstances

Financial Information

• Income and expenditure
• Assets and liabilities
• Investments and pensions
• Tax information
• Employment details

Financial Planning Information

• Financial objectives
• Attitude to investment risk
• Personal priorities and goals

Special Category Information

In certain circumstances we may need information relating to your health or other special category data where relevant to the advice we provide, for example protection or insurance advice.

Identity Verification Information

We may collect identification documents and undertake electronic verification checks to comply with anti-money laundering legislation and regulatory requirements.

How We Collect Information

We may collect information:

• Directly from you
• Through our website enquiry forms
• During meetings and telephone calls
• Through correspondence with you
• From product providers and financial institutions
• From your professional advisers (where authorised)
• Through identity verification providers
• From publicly available sources where appropriate

How We Use Your Information

To Provide Financial Planning Services

We use your information to:

• Understand your circumstances and objectives
• Provide financial planning and advice
• Arrange financial products and investments
• Administer our ongoing relationship with you

Lawful basis: Performance of a contract or taking steps at your request before entering into a contract.

To Meet Legal and Regulatory Obligations

We are required to:

• Verify your identity
• Conduct anti-money laundering checks
• Maintain records
• Respond to regulators and authorities
• Manage complaints and investigations

Lawful basis: Legal obligation.

To Operate Our Business

We may process information for:

• Business administration
• Information security
• Fee collection
• Fraud prevention
• Internal reporting
• Managing legal claims

Lawful basis: Legitimate interests.

To Keep You Informed

We may send:

• Newsletters
• Financial planning insights
• Invitations to seminars and webinars
• Information about our services
• Business updates

Where permitted by law, we may contact existing clients and individuals who have enquired about our services.

Every marketing communication includes an option to unsubscribe.

Where consent is required by law, we will obtain it before sending marketing communications.

Lawful basis: Legitimate interests and/or consent where required.

Special Category Data

Where we need to process special category data, such as health information, we will explain why it is required and obtain your explicit consent where necessary.

Lawful basis: Explicit consent and/or other lawful conditions permitted under UK GDPR.

Who We Share Information With

We only share information where there is a legitimate reason to do so.

This may include:

• Product providers
• Platform providers
• Fund managers
• Insurers
• Banks and lenders
• Compliance and regulatory support providers
• Identity verification providers
• Technology and software providers
• Professional advisers such as accountants and solicitors
• The Financial Conduct Authority (FCA)
• The Financial Ombudsman Service (FOS)
• The Financial Services Compensation Scheme (FSCS)
• HMRC and other authorities where required by law

We never sell your personal information.

We never allow third parties to use your information for their own marketing purposes.

International Transfers

Some of our service providers may process information outside the United Kingdom.

Where this happens, we ensure appropriate safeguards are in place, including adequacy regulations or approved contractual protections.

How Long We Keep Information

We only keep your information for as long as we need it. In practice, that means:

• Client records and advice files: kept for the duration of our relationship with you, and for at least six years after our relationship ends. In some cases (pensions advice, for example) we may keep records for longer, in line with FCA rules.
• Identity verification records: kept for five years after the end of our relationship, in line with anti-money-laundering rules.
• Marketing data: kept until you opt out, or until we have reason to believe you’re no longer interested.
• Enquiries that don’t lead to us working together: retained for as long as necessary to manage our relationship with you, maintain records of our interactions and provide relevant information about our services. Where there has been no meaningful engagement for an extended period, records will normally be reviewed and securely deleted.

In exceptional circumstances, we may retain information for longer where necessary to comply with legal or regulatory obligations or to establish, exercise or defend legal claims.

Cookies

What are cookies?

Cookies are small text files placed on your device when you visit a website. They help the website function correctly and allow us to understand how visitors use our site.

Cookies we use

We use the following categories of cookies on our website:

Strictly necessary cookies are essential for the website to function. They do not collect identifiable personal information and do not require your consent. Without them, some parts of the site may not work correctly.

Performance and analytics cookies collect anonymous information about how visitors use our website, such as which pages are visited most often and whether any errors occur. This helps us improve the site over time. We use Google Analytics for this purpose.

Functionality cookies remember your preferences and settings to improve your experience when you return to our site. The information these cookies collect is anonymous.

The table below sets out the specific cookies we use:

Your cookie choices

Where cookies are not strictly necessary, we will ask for your consent before placing them on your device.

You can also manage or disable cookies at any time through your browser settings. Please be aware that disabling certain cookies may affect the functionality of this website.

For further guidance on managing cookies, visit the Information Commissioner’s Office website at www.ico.org.uk.

Your Rights

Under UK data protection law you have the right to:

• Be informed about how your information is used
• Request access to your information
• Request correction of inaccurate information
• Request deletion of information where appropriate
• Restrict processing in certain circumstances
• Object to processing in certain circumstances
• Request transfer of your information to another provider
• Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us using the details above. We will normally respond within one month.

Security

We take information security seriously.

We use appropriate technical and organisational measures including:

• Secure systems and storage
• Access controls
• Encryption where appropriate
• Staff training
• Supplier due diligence
• Regular review of our security procedures

Complaints

If you have concerns about how we have handled your personal information, please contact us in the first instance and we will do our best to resolve the matter.

You also have the right to complain to the Information Commissioner’s Office (ICO):

Website: www.ico.org.uk

Telephone: 0303 123 1113

Address: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

Changes to This Policy

We may update this Privacy Policy from time to time.

The latest version will always be available on our website and we encourage you to review it periodically.

Last updated: July 2026