1. Definitions and Interpretation
2. Information About Us
3. What Does This Notice Cover?
4. What is Personal Data?
5. What Are My Rights?
6. What Personal Data Do You Collect?
7. How Do You Use My Personal Data?
8. How Long Will You Keep My Personal Data?
9. How and Where Do You Store or Transfer My Personal Data?
10. Do You Share My Personal Data?
11. How Can I Access My Personal Data?
12. How Can I Have My Data Erased?
13. How Do I Contact You?
15. What if There’s a Data Breach?
16. Changes to this Privacy Notice
This Notice sets out the obligations of Saint Financial Group Limited, a company registered in England under number 12280700, whose registered office is at St Osyth Grange, 677 St Johns Road, St Osyth Grange, Essex, CO16 8BJ (“the Company”) regarding data protection and the rights of our users (“data subjects”) in respect of their personal data under EU Regulation 2016/679 General Data Protection Regulation (“GDPR”).
Saint Financial Group Limited takes your privacy very seriously and knows that you care how your personal data is used. We respect and value the privacy of all of our customers and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.
We respect and value the privacy of everyone who visits this website, https://www.saintfinancialgroup.co.uk/ (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.
Please read this Privacy Notice carefully and ensure that you understand it. Your acceptance of Our Privacy Notice is deemed to occur upon your first use of Our Site and You will be required to read and accept this Privacy Notice when signing up to our mailing list/becoming a client. If you do not accept and agree to this Privacy Notice, you must stop using our site and leave immediately.
In this Notice, the following terms shall have the following meanings:
“Cookie” – means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 14, below;
“Cookie Law” – means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
“Data subjects” – means any and all people who we hold the personal data for. This could mean subscribers of Saint Financial Group and/or people who have electively given us their data and permission to market to them. In these circumstances, we are the Data Controller.
“Personal data” – means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”);
“Data Controller” – means a person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal data are, or are to be processed;
“Data Processor” – in relation to personal data, means any person (other than an employee of the data controller) who processes the data on behalf of the data controller;
“We/Us/Our” – means Saint Financial Group Limited a limited company registered in England under number 12280700, whose registered office is at St Osyth Grange, 677 St Johns Road, St Osyth Grange, Essex, CO16 8BJ (“the Company”.)
This Notice sets out the obligations of Saint Financial Group Limited a limited company registered in England under number 12280700, whose registered office is at St Osyth Grange, 677 St Johns Road, St Osyth Grange, Essex, CO16 8BJ (“the Company”.)
VAT number: 342209234
Data Protection Officer: Dylan O’Rourke
Email address: firstname.lastname@example.org
Telephone number: 01255 443844
Postal Address: St Osyth Grange, 677 St Johns Grange , St Osyth, Essex, CO16 8BJ.
This Privacy Information explains how we use your personal data: how it is collected, how it is held, and how it is processed. It also explains your rights under the law relating to your personal data and your client’s personal data.
Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.
Personal data is, in simpler terms, any information about you or your clients that enables you or them to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.
The personal data that we use is set out in Part 7, below.
Under the GDPR, you have the following rights, which we will always work to uphold:
The right to be informed about our collection and use of your personal data. This Privacy Notice should tell you everything you need to know, but you can always contact us to find out more or to ask any questions using the details in Part 13.
The right to access the personal data we hold about you. Part 11 will tell you how to do this.
The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete. Please contact us using the details in Part 13 to find out more.
The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we have. Please contact us using the details in Part 13 to find out more.
The right to restrict (i.e. prevent) the processing of your personal data.
The right to object to us using your personal data for a particular purpose or purposes.
The right to data portability. This means that you can ask us for a copy of your personal data held by us to re-use with another service or business in many cases.
Part 7 explains more about how we use your personal data, including automated decision-making and for more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 13.
Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.
If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office.
Your Personal Data
We may collect some or all of the following personal data (this may vary according to your relationship with us:
- Email Address
- Telephone Number
- Business Name
- Job Title
- Information about your preferences and interests
- Size of your business in terms of No. of staff, annual revenue (as a banding_ and No. of clients (as a banding).
- Business Goals and Challenges
We intend to process personal data for the following purposes:
To enable us to supply professional services to you as our client.
To fulfill our obligations under relevant laws in force from time to time (e.g. the Money Laundering Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLR 2017)
To comply with professional obligations to which we are subject to as a member of the ATT
To use in the investigation and/or defense of potential complaints, disciplinary proceedings and legal proceedings.
To enable us to invoice you for our services and investigate/address any attendant fee disputes that may have arisen.
To contact you about other services we provide which may be of interest to you if you have consented to us doing so.
Our intended processing of personal data has the following legal bases
At the time you instructed us to act, you have consented to our processing your personal data for the purposes listed above.
The processing is necessary for the performance of our contract with you.
The processing is necessary for compliance with legal obligations to which we are subject (e.g. MLR 2017).
The processing is necessary for the purposes of the following legitimate interests which we pursue.
It is a requirement of our contract with you that you provide us with the personal data that we request. If you do not provide the information that we request, we may bot be able to provide professional services to you. If this is the case, we we not be able to commence acting of will need to cease to act.
Under the GDPR, we must always have a lawful basis for using personal data. This may be because the data is necessary for our performance of a contract with you, because you have consented to our use of your personal data, or because it is in our legitimate business interests to use it. Your personal data may be used for one of the following purposes:
Supplying our products and services to you. Your personal details are required in order for us to enter into a contract with you.
Personalising and tailoring our products and services for you.
Communicating with you. This may include responding to emails or calls from you. Supplying you with information by email, text message and post that you have opted-in to (you may unsubscribe or opt-out at any time by choosing ‘unsubscribe’ in our correspondence or by contacting us.
With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email, telephone, text message and/or post with information, news, and offers on our products/services, events, webinars, industry updates and general business & entrepreneurial advice. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out.
We use the following automated systems for carrying out certain kinds of decision-making and profiling. If at any point you wish to query any action that we take on the basis of this or wish to request ‘human intervention’ (i.e. have someone review the action themselves, rather than relying only on the automated method), the GDPR gives you the right to do so. Please contact us to find out more using the details in Part 13.
The following automated decision-making method(s) may be used:
- Your engagement with our email content so that we can ensure we are sending you content related to the emails you engage with and with an appropriate level of frequency.
The following automated profiling may take place:
- Your location so that we can ensure the content we provide you with is most relevant.
- The size of your business so that we can ensure the content we provide you with is most relevant.
We will not keep your personal data for any longer than is necessary for light of the reason(s) for which it was first collected. Your personal data will, therefore, be kept for the following periods (or, where there is no fixed period, the following factors will be used to determine how long it is kept):
- Personal data for marketing purposes prior to you signing up to become a client – this will be retained until you fail to engage with our content for a period of 6 months or until you opt-out of our communications.
- Personal data for marketing purposes whilst you’re a client – this will be retained for the duration of you being a client so we can best support you and provide you with information about relevant products and services, events, webinars and industry-specific advice which we also provide and which we feel you will also benefit from.
- Personal data for marketing purposes after you were a client – this will be retained until you fail to engage with our content for a period of 6 months or until you opt-out of our communications.
Your Personal Data
We store your personal data in the UK. This means that it will be fully protected under the GDPR.
We also may store or transfer some or all of your personal data in countries that are not part of the European Economic Area (the “EEA” consists of all EU member states, plus Norway, Iceland, and Liechtenstein). These are known as “third countries” and may not have data protection laws that are as strong as those in the UK and/or the EEA. This means that we will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR including:
- Ensuring that the companies we use to store your data are absolutely critical to the providing of our service. These include Senta, Xero, and may also include other companies.
- Ensuring that the method of passing data to them complies with the securest methods appropriate to the passing and nature of that data.
We may share your information with:
- Third parties used to facilitate payment transactions, for example, Go Cardless/Directli
- Third parties where you have a relationship with that third party and you have consented to us sending information (for example social media sites or other third-party application providers);
- Third parties for marketing purposes (e.g. our partners and other third parties with whom we work and whose products or services we think will interest you in the operation of your business activities.
- Any third party in the context of actual or threatened legal proceedings, provided we can do so lawfully (for example in response to a court order);
- Any third party in order to meet our legal and regulatory obligations, including statutory or regulatory reporting or the detection or prevention of unlawful acts;
If the law allows or requires us to do so, we may share your personal data with:
- The police and law enforcement agencies
- Courts and tribunals
- The Information Commissioner’s Office (ICO)
If you ask us not to share your personal data with such third parties we may need to cease to act
If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held).This is known as a “subject access request”.
To help us provide the information you want and deal with your request more quickly, you should include enough details to enable us to verify your identity and locate the relevant information. For example, you should tell us:
1. Your date of birth
2. Previous or other name(s) you have used
3. Your previous addresses in the past five years
4. Personal reference number(s) that we may have given you, for example, your national insurance number, your tax reference number or your VAT registration number
5. What type of information you want to know
If you do not have a national insurance number, you must send a copy of:
- The back page of your passport or a copy of your driving licence; and
- A recent utility bill.
All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 13.
There is not normally any charge for a subject access request.
We will respond to your subject access request within 30 days and, in any case, not more than one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.
You can ask someone else to request information on your behalf – for example, a friend, relative or solicitor. We must have your authority to respond to a SAR made on your behalf. You can provide such authority by signing a letter which states that you authorise the person concerned to write to us for information about you, and/or receive our reply.
Where you are a data controller and we act for you as a data processor (e.g. by processing payroll), we will assist you with SARs on the same basis as is set out above.
If you wish for your personal data to be erased from our various systems, please contact us (See Part 13) and we will follow our strict procedures to ensure that all of your data has been removed from our systems. In certain circumstances, we have the right to refuse to comply with a request for erasure. If applicable, we will supply you with the reasons for refusing your request. Further information is available on the ICO website (www.ico.org.uk).
To contact us about anything to do with your personal data and data protection, including to make a subject access request, please use the following details (for the attention of Dylan O’Rourke):
Email address: hello@SaintFinancialGroup.co.uk.
Telephone number: 01255474005.
Postal Address: St Osyth Grange, 677 St Johns Road, St Osyth, Essex, CO16 8BJ.
By using Our Site, you may also receive certain third-party Cookies on your computer or device. Third-party Cookies are those placed by websites, services, and/or parties other than Us. Third-Party Cookies are used on Our Site for advertising purposes such as Google Adwords and Facebook Ads. These Cookies are not integral to the functioning of Our Site and your use and experience of Our Site will not be impaired by refusing consent to them.
All Cookies used by and on Our Site are used in accordance with current Cookie Law.
Before Cookies are placed on your computer or device, you will be shown a pop-up requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended.
Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third-party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
You can choose to delete Cookies on your computer or device at any time, however, you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
We work to the highest levels of security, however, in the unlikely event of a data breach, then:
All personal data breaches must be reported immediately to the Company’s Data Protection Officer.
If a personal data breach occurs and that breach is likely to result in a risk to the rights and freedoms of data subjects (e.g. financial loss, breach of confidentiality, discrimination, reputational damage, or other significant social or economic damage), the Data Protection Officer will ensure that the Information Commissioner’s Office is informed of the breach without delay, and in any event, within 72 hours after having become aware of it.
In the event that a personal data breach is likely to result in a high risk to the rights and freedoms of data subjects, the Data Protection Officer must ensure that all affected data subjects are informed of the breach directly and without undue delay.
Data breach notifications shall include the following information:
- The categories and approximate number of data subjects concerned;
- The categories and approximate number of personal data records concerned;
- The name and contact details of the Company’s data protection officer (or other contact points where more information can be obtained);
- The likely consequences of the breach;Details of the measures taken or proposed to be taken, by the Company to address the breach including, where appropriate, measures to mitigate its possible adverse effects.
We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if we change our business in a way that affects personal data protection.Any changes will be made available here.For more information on your rights as an individual under the new GDPR regulations, please visit here
1. The promoter is Saint Financial Group Limited, registered office is at; St Osyth Grange, 677 St Johns Road, St Osyth, Essex, CO16 8BJ
2. The competition is open to residents of the United Kingdom aged 18 years or over.
3. There is no entry fee and no purchase necessary to enter this competition.
4. By entering this competition, the entrant is indicating his/her agreement to be bound by these terms and conditions.
5. Route to entry for the competition and details of how to enter via http://www.saintfinancialgroup.co.uk/blog/competiton
6. No responsibility can be accepted for entries not received for whatever reason.
7. The rules of the competition and how to enter are as follows: If you successfully manage to refer a client who has signed up for recurring monthly charges of £150 per month, you will receive a £100 multi-purpose gift voucher.
8. The promoter reserves the right to cancel or amend the competition and these terms and conditions without notice. Any changes to the competition will be notified to entrants as soon as possible by the promoter.
9. The promoter is not responsible for the inaccurate prize details supplied to any entrant by any third party connected with this competition.
10. The prize is as follows: £100 Multi-purpose voucher. The prize is as stated and no cash or other alternatives will be offered. The prizes are not transferable. Prizes are subject to availability, and we reserve the right to substitute any prize with another of equivalent value without giving notice.
11. The promoter will notify the winner when and where the prize can be collected/delivered/used.
12. The promoter’s decision in respect of all matters to do with the competition will be final and no correspondence will be entered into.
13. By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.
14. The competition and these terms and conditions will be governed by English law and any disputes will be subject the exclusive jurisdiction of the courts of England.
15. The winner agrees to the use of his/her name and image in any publicity material, as well as their entry. Any personal data relating to the winner or any other entrants will be used solely in accordance with the current UK data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.
16. Entry into the competition will be deemed as acceptance of these terms and conditions.
18. Saint Financial Group Limited shall have the right, as its sole discretion and at any time, to change or modify these terms and conditions, such change shall be effective immediately upon posting to this webpage.
19. Saint Financial Group Limited also reserves the right to cancel the competition if circumstances arise outside of its control.