Privacy Policy

Introduction

Ancient Liability Limited ("we", "us", "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, and protect information about you when you use our website or engage our pension advisory services.

We are registered with the Information Commissioner's Office and comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Information We Collect

We collect and process various types of personal information depending on your interaction with us:

Information You Provide Directly

• Contact details including name, email address, and postal address
• Financial information such as pension details, income, assets, and liabilities
• Employment information and career history
• Date of birth and National Insurance number
• Information about your retirement goals and financial objectives
• Communications you send to us

Information We Collect Automatically

• Website usage data through cookies and similar technologies
• IP address and browser information
• Pages visited and time spent on our website
• Referring website addresses

How We Use Your Information

We use your personal information for the following purposes:

Providing Our Services

• Assessing your pension planning needs
• Providing financial advice and recommendations
• Managing your pension arrangements
• Communicating with you about our services
• Processing payments for our services

Legal and Regulatory Compliance

• Meeting our obligations as an FCA-regulated firm
• Preventing fraud and money laundering
• Maintaining records as required by law
• Responding to regulatory enquiries

Business Operations

• Improving our website and services
• Analysing how visitors use our website
• Protecting against security threats
• Managing our business relationships

Legal Basis for Processing

We process your personal information on the following legal bases:

• Contractual necessity: Processing is necessary to provide the services you have requested
• Legal obligation: Processing is required to comply with financial services regulations
• Legitimate interests: Processing is necessary for our legitimate business interests, such as improving our services
• Consent: Where we have obtained your specific consent, such as for marketing communications

Sharing Your Information

We may share your personal information with:

• Pension providers: To implement advice or transfer arrangements
• Professional advisors: Such as solicitors or accountants when necessary for your service
• Regulatory authorities: The Financial Conduct Authority and other regulators as required
• Service providers: Companies that help us operate our business, such as IT systems providers
• Legal parties: When required by law or to protect our legal rights

We do not sell your personal information to third parties. All third parties we work with are required to keep your information secure and use it only for the purposes we specify.

Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected and to comply with legal and regulatory requirements.

For clients, we typically retain records for at least six years after the end of our relationship, as required by FCA regulations. Some records may be kept for longer periods where necessary for legal claims or regulatory purposes.

Website usage data and marketing information is typically retained for shorter periods, usually no more than three years.

Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure access controls and authentication
• Regular security assessments and updates
• Employee training on data protection
• Secure disposal of information no longer needed

While we take security seriously, no method of transmission over the internet is completely secure. We cannot guarantee absolute security but will notify you of any data breaches as required by law.

Your Rights

Under UK data protection law, you have several rights regarding your personal information:

• Right of access: Request a copy of the personal information we hold about you
• Right to rectification: Ask us to correct inaccurate information
• Right to erasure: Request deletion of your information in certain circumstances
• Right to restriction: Ask us to limit how we use your information
• Right to data portability: Receive your information in a portable format
• Right to object: Object to certain types of processing
• Rights related to automated decisions: Question decisions made solely by automated means

To exercise any of these rights, please contact us using the details provided at the end of this policy. We will respond within one month of receiving your request.

Cookies and Website Analytics

Our website uses cookies to improve your browsing experience and help us understand how visitors use our site. For detailed information about the cookies we use and how to manage them, please see our Cookies Policy.

International Transfers

Your personal information is primarily stored and processed within the United Kingdom. If we need to transfer information outside the UK, we will ensure appropriate safeguards are in place to protect your information in accordance with data protection law.

Marketing Communications

We may send you information about our services and pension planning updates if you have provided consent or where we have a legitimate interest to do so.

You can opt out of marketing communications at any time by contacting us or using the unsubscribe link in our emails. This will not affect service-related communications necessary for providing our advisory services.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting a notice on our website or by direct communication if you are a client.

The current version is always available on our website with the date of last update clearly displayed.

Children's Privacy

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

Contact and Complaints

If you have questions about this Privacy Policy or how we handle your personal information, please contact us:

Email: [email protected]
Post: Data Protection Officer, Ancient Liability Limited, 142 Bishopsgate, London, EC2M 4AW

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office:

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
www.ancient-liability.com