Policies & Compliance
Our Privacy Policy
This privacy notice explains how we use any personal information we collect about you.
What information do we collect about you?
We collect information about you when you engage us for professional services including financial planning, mortgage and protection advice. This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health, only where this is necessary for the provision of our services.
We may also collect information when you voluntarily complete client surveys or provide feedback to us.
In common with other websites, we collect information relating to usage using cookies. These are text files placed on your computer when you visit our website to collect standard internet log information and visitor behaviour information. We’ll use your information collected from the website to personalise your repeat visits to the site.
Why do we need to collect and use your personal data?
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we’d also be unable to fulfil our legal and regulatory obligations.
Where special category data is required we’ll obtain your explicit consent in order to collect and process this information.
How will we use the information about you?
We collect information about you in order to provide you with the services for which you engage us.
Who might we share your information with?
We won’t share your information for marketing purposes with companies outside our group.
In order to deliver our services to you effectively we may send your details to third parties such as our Principal Firm (Prydis Wealth Limited), those that are engaged for professional compliance services, outsourced report-writing specialists, our technology providers for the analysis of your financial circumstances and the suitability of the products we recommend, those who maintain our systems and data, as well as product and platform providers that we use to arrange financial products for you.
Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions.
Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit, including the use of password protection and/or encryption of data.
To fulfil our obligations in respect of prevention of money-laundering and other financial crime, we will send your details to third party agencies for identity verification purposes. More information is available on the checks required, so please contact us if you would like to know more. We may also be required to pass your details to appropriate regulatory bodies or law enforcement agencies.
How long do we keep hold of your information?
In principle, your personal data shouldn’t be held for longer than is required under the terms of our contract for services with you. However, we’re subject to regulatory requirements to retain data for specified minimum periods. We also reserve the right to retain data for longer than this due to the possibility that it may be required to defend a future claim against us. In any case, we’ll not retain your personal data for longer than six years past the time of your death.
You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.
How can I access the information you hold about me?
You have the right to request a copy of the information that we hold about you. If you’d like a copy of some or all of your personal information please email or write to us using the contact details noted below.
When your personal data is processed by automated means you have the right to ask us to move your personal data to another organisation for their use.
We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.
Marketing
We’d like to send you information about our products and services and those of other companies in our group which may be of interest to you. This includes our Newsletter which is sent out around four times per year. If you’ve agreed to receive marketing information, you may opt out at a later date.
You have a right at any time to stop us from contacting you for marketing purposes or giving your information to other members of the group. If you no longer wish to be contacted for marketing purposes, please contact us by email or post.
Cookies
We use cookies to track visitor use of the website and to compile statistical reports on website activity.
For further information visit http://www.allaboutcookies.org/
You can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser. However in a few cases some of our website features may not function as a result.
Other websites
Our website may contain links to other websites. This privacy policy only applies to our firm’s website so when you link to other websites you should read their own privacy policies.
What can you do if you are unhappy with how your personal data is processed?
You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is:
Information Commissioner's OfficeWycliffe HouseWater LaneWilmslowCheshireSK9 5AF
0303 123 1113 (local rate)
Changes to our privacy policy
We keep our privacy policy under regular review and we’ll place any updates on our website. This privacy policy was last updated on 6th April 2022.
How to contact us
Please contact us if you have any questions about our privacy policy or information we hold about you:
Write to Paul White, Compliance Director at Clyst House, Manor Drive, Clyst St. Mary, Exeter, EX5 1GB.
Or by email to: paulwhite@financialsolutions.co.uk
Financial Solutions Group Limited is an Appointed Representative of Prydis Wealth Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 432014.
For this Website
Terms & Conditions
Important Information
Please read the following important information, which applies when you access our website. This website is owned and operated by Financial Solutions Group Limited. In accessing our website you agree to abide and be bound by the terms and conditions outlined below.
Advice
The information provided on, or in connection with, this site is designed to provide general background about a variety of investment topics and will not necessarily apply to individual or specific circumstances.
Nothing on this website constitutes investment, financial, tax or other professional advice, nor does it constitute a recommendation. It is not intended to be relied upon by you in making (or refraining from making) any specific investment or other financial decisions. Relevant advice should be sought prior to taking any financial or investment decision.
For free, unbiased guidance about money, please visit the Money Advice Service website.
Intended Audience
This website should not be regarded as an offer or solicitation to conduct investment business, as defined by the Financial Services and Markets Act 2000, in any jurisdiction other than the United Kingdom. Investors who are resident in, or citizens of, countries other than the United Kingdom may be subject to local restrictions. In particular, no offer or invitation is made to any US persons (being residents of the United States of America or partnerships or corporations organised under the laws of the United States of America or any state, territory or possession thereof), who are excluded from the products or services offered in this site.
Risk Warnings
Please note that the value of investments and the income derived from them may fall and you may get back less than you invested. Past performance is not a guide to future performance. Where performance figures are quoted, these may be before charges which will have the effect of reducing illustrated performance. No investment is suitable in all cases and if you have any doubts as to an investment’s suitability then you should consult a professional financial adviser, authorised by the Financial Conduct Authority to conduct investment business. Any tax allowances or thresholds mentioned are based on personal circumstances and current legislation which is subject to change.
Third Parties and information
The information on this website has been obtained from sources which we believe to be reliable and accurate, but this cannot be warranted. Any opinions and comment expressed on this website are not necessarily the views held throughout Financial Solutions Group Limited. We are not responsible for the content of external websites that are linked from our webpages. We accept no liability for loss which may arise as a result of reliance upon information contained in this site
We are generally happy to establish relevant links with third parties but only with prior written agreement. All enquiries in this respect should be addressed to our Compliance Director.
Copyright
The content of these web pages is the copyright of Financial Solutions Group Limited and save as set out below, reproduction of part or all of the content of this site is strictly prohibited.
You may copy or download onto hard disk any information from this site solely and strictly for your own personal use but not under any circumstances for further distribution or for commercial purposes.
Data Protection
Financial Solutions Group Limited are registered with the Information Commissioner’s Office under Registration reference ZA227219. We may process personal data relating to you in accordance with the Data Protection Act 1998 (as amended) and any other regulations relating to data protection, as to what we may do with such data. Please refer to the Privacy Policy on this website.
Approval
This website has been approved by Financial Solutions Group Limited.
Financial Solutions
Regulatory Page
Financial Solutions is a trading name of Financial Solutions Group Limited.
Financial Solutions Group Limited is an Appointed Representative of Prydis Wealth Limited which is authorised and regulated by the Financial Conduct Authority under registration number 432014. You can verify these details on the Financial Services Register.
The information contained within the website is subject to the UK regulatory regime and is therefore targeted at customers in the UK.
Treating Customers Fairly
Treating our clients fairly is at the heart of our business. We always aim to always put our clients’ interests above our own and our approach is explained in our statement on Treating Customers Fairly page.
Our Complaints Procedure
We truly hope that you will be delighted by the service you receive from Financial Solutions Group Limited, but explain how we will handle any complaints we receive in our Complaints Policy. We value all feedback in helping us to improve our service to clients.
You should address complaints to: Paul White, Compliance Director, Financial Solutions Group Limited, Clyst House, Manor Drive, Clyst St. Mary, Exeter, EX5 1 GB.
Email: pwhite@financialsolutions.co.uk
Telephone: 01392 429683
If we are unable to resolve your complaint, you may be able to refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is free to use and you can read more about the service they provide on The Financial Ombudsman website.
Conflicts of Interest
Financial Solutions Group Limited is required by the Financial Conduct Authority to maintain a conflicts of interest policy identifying the circumstances that constitute or may give rise to a conflict of interest entailing a material risk of damage to the interests of one or more clients, and specifying the procedures that we follow and measures that we adopt in order to manage such conflicts. You can read our Conflicts of interest Policy and contact our Compliance Department if you have any questions.
Best Execution
It is in the interests of our clients and Financial Solutions that we obtain the best possible result when placing orders with other firms for the execution of client orders or when transmitting orders on behalf of clients. We are required under the Rules of the Financial Conduct Authority to take all reasonable steps to provide Best Execution when carrying out transactions and have published our Best Execution Policy that we have adopted to achieve that objective.
Company Information
Financial Solutions Group Limited is registered in England, registration number 10544288. Registered Office: Clyst House, Manor Drive, Clyst St. Mary, Exeter, EX5 1GB.
A list of directors is available for inspection at the Registered Office. Please refer to the About Us section of this website.VAT No. 974841283
Financial Solutions
Cookie Policy
Cookie Policy
This site uses Cookies, small text files that are placed on your machine to help the site provide a better user experience. In general, Cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymised tracking data to third party applications like Google Analytics.
As a rule, Cookies will make your browsing experience better. However, you may prefer to disable Cookies on this site and on others. The most effective way to do this is to disable Cookies in your browser. We suggest consulting the help section of your browser or taking a look at the about Cookies website which offers guidance for all modern browsers.
About Cookies on this site
This website uses Cookies to deliver the best possible browsing experience. Here is a summary of the cookies used by the site:
Load Balancing
These Cookies are created by the hosting server, it helps to manage traffic levels on the site and doesn’t store any personal data.
Overall, Cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A Cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
Google Analytics
These Cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The Cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.