Impact Financial Services Limited takes the privacy and protection of personal data extremely seriously. This Privacy Policy explains how we collect, use, store and share your personal information, as well as the rights you have under UK data protection law. We are authorised and regulated by the Financial Conduct Authority (FCA), Firm Reference Number 1025644, and registered in England and Wales under company number 15712648. Our registered office is located at 15 Suite, Unit 4, Blenheim Court, Peppercorn Close, PE1 2DU. You can confirm our regulatory status by visiting the FCA Register at www.register.fca.org.uk.
Personal Data refers to any information that can directly or indirectly identify you. This may include your name, date of birth, contact details, residential history, employment information, income, financial commitments, bank details, credit information and details relating to mortgage or insurance policies. In some cases, particularly when assessing insurance products, we may also need to collect health information or other Special Category Data. If you are a parent or guardian, information relating to children may also be gathered when necessary to provide our services.
We collect personal data primarily to provide you with financial advice and to recommend suitable mortgage or insurance products. In order to research the market, prepare illustrations, submit applications, and manage or review policies on your behalf, we need sufficient information to understand your circumstances and requirements. We also process information to comply with FCA regulations, anti-money laundering obligations and legal requirements. Additionally, we may contact you about your service, policy reviews or relevant products, unless you choose to opt out of such communications.
Most of the information we hold is provided directly by you during meetings, telephone conversations, online forms or email correspondence. On occasion, we may obtain information from third-party lead providers where you have indicated that you wish to be contacted. We may also receive information from lenders, insurers, electronic identity verification services or publicly available sources. When we conduct electronic ID checks, you will always be informed.
In certain circumstances, especially when arranging specific insurance products, we may process Special Category Data such as details about your health. We may also process information relating to criminal convictions when required for underwriting or fraud prevention. Special Category Data is only processed with your explicit consent.
We keep your data for as long as necessary to fulfil our regulatory and legal obligations. Typically, this means retaining records for at least six years following the end of our relationship. However, if longer retention is required due to regulatory, legal or claim-related responsibilities, your information may be stored for an extended period.
We take extensive measures to protect your data. This includes secure electronic and physical storage, encryption, controlled access, and regular reviews of our data protection practices. Your personal information is retained securely and is not transferred outside the UK or EEA unless appropriate safeguards are in place.
We may share your data with lenders, insurers, solicitors, accountants, credit providers, claims handlers or regulatory bodies when necessary to deliver the services you have requested. Your data may also be shared with fraud prevention agencies or authorities where legally required. We do not sell or share your data with third parties for marketing purposes.
Under UK GDPR, you have a number of important rights. You have the right to be informed about how your data is used, to request access to the data we hold about you, and to ask us to correct inaccurate or incomplete information. You may request deletion of your data where lawful, or request that processing is restricted. You also have the right to object to processing or to withdraw consent where consent is the basis for processing. All requests will be processed within statutory timeframes, usually within 30 days. We do not use automated decision-making or profiling.
Marketing communications are only sent where lawful, and you may opt out at any time by contacting us. Our website also uses cookies to improve functionality and analyse usage; full details are available in our separate Cookie Policy.
If you have any questions about this Privacy Policy or wish to exercise your rights, you may contact us by email at office@impactfs.uk, by telephone at 01733 924 329, or by writing to our registered office at 15 Suite, Unit 4, Blenheim Court, Peppercorn Close, PE1 2DU.
If you are dissatisfied with how we handle your personal data, you may raise a complaint with the Information Commissioner’s Office (ICO). Details are available at www.ico.org.uk, by phone at 0303 123 1113, or by writing to Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
