What Information Do We Collect?

We collect information from you when you engage our services for financial planning, advice, or investment management. This typically includes details about your personal and financial circumstances. In some cases, we may also need to collect sensitive data, such as health-related information, where it’s necessary to support the services we provide.

We may also collect data through voluntary participation in surveys or feedback you provide to us.

Additionally, we gather website usage data via cookies. These are small text files placed on your device that help us understand standard internet log information and visitor behaviour. This data allows us to tailor your future visits to improve your experience.

Information About Other Individuals

To provide our services effectively, we may need personal data about close family members or dependants. It is your responsibility to obtain their consent before sharing their details with us. Where appropriate, we may provide them with a copy of this privacy notice or ask you to do so on our behalf.

Why Do We Collect and Use Your Data?

To fulfil our contract with you
Our main legal basis for processing your personal data is the contractual agreement between you and Talk Financial Group Ltd. Collecting and using this information is essential to deliver the services we have agreed upon.

To meet legal obligations
In some instances, we are legally required to collect and retain personal information, for example, to comply with anti-money laundering laws and verify your identity.

With your consent
Certain types of sensitive data, particularly health-related, may require your explicit consent before we can process it. We will always seek your permission when such data is needed.

Occasionally, we may wish to contact you with information about services or products we believe might interest you. We’ll ask for your consent before doing so. You may withdraw consent at any time by contacting us at our main business address.

Our legitimate interests
We may also retain some information based on our legitimate interests, such as maintaining records for professional compliance, handling future complaints, or satisfying our insurance provider's expectations.

How Will Your Information Be Used?

We use your personal data solely to deliver the services you have asked us to provide.

Sharing Your Information

If you’ve agreed, we may contact you about other services or products that could be relevant to you.

We do not share your information for marketing purposes with organisations outside of Talk Financial Group Ltd.

To carry out our services effectively, we may need to share your details with third-party providers, such as product platforms, compliance consultants, accountants, or legal professionals. When we do, we ensure appropriate contractual safeguards are in place to protect your data and ensure it is only used in accordance with our instructions.

Where data transfer is necessary, we take security seriously, using methods like password protection or encryption when sending your data to third parties.

To comply with anti-money laundering and financial crime regulations, we may also share your details with external identity verification agencies.

Data Retention, How Long Will We Hold Your Information?

Throughout our relationship, we retain data essential to providing our services. We take reasonable steps to keep this information up to date.

We are also subject to mandatory retention periods under regulatory guidelines:

Investment services, 5 years

Pension transfers or opt-outs, indefinitely

Insurance services, 3 years

These are minimum retention times. We may keep your data longer if it's necessary for legitimate business reasons. However, we will not retain your information beyond your death.

You can request the deletion of your personal data at any time. We will honour this request unless doing so conflicts with our legal or legitimate responsibilities.

Accessing Your Information

You have the right to request a copy of the data we hold about you. To do so, please contact us using the details provided at the end of this policy.

If your data has been processed by automated systems, you may ask us to transfer your information to another provider.

We aim to keep your personal data accurate and current. Please notify us if you believe any of the information we hold is incorrect.

Data Security

We take data protection and system security very seriously. All personal information, whether stored digitally or on paper, is secured with appropriate measures, in line with data protection regulations.

Our systems are designed to minimize the risk of loss or damage due to error or unauthorised access. Our staff are trained annually on how to handle sensitive information, and we maintain internal controls aligned with industry best practices to protect your data’s confidentiality and integrity.

Keeping Your Information Up to Date

To ensure your personal data remains accurate, we ask that you notify us of any changes.

Marketing Preferences

We aim to give you control over how we use your personal data for marketing. Here's how we approach it:

Promotional Offers
We may use your identity, contact details, and website interaction history to tailor offers we think you’ll find valuable.

You’ll only receive such marketing messages if you’ve previously submitted a request for information via our website or forms. You may opt out of receiving future communications at any time.

Opting Out
You can stop receiving marketing from us at any point by:

• Clicking the opt-out link in our marketing emails
• Contacting us directly via email, phone, or post

Cookies

Our website uses cookies to monitor usage and generate insights about visitor activity.

For more details, visit www.allaboutcookies.org

You can choose to disable cookies through your browser settings. Please note that some features of our website may not work properly if cookies are turned off.

Links to Other Websites

Our website may include links to third-party websites. Please note that this privacy policy applies only to Talk Financial Group Ltd’s website. We recommend you read the privacy policies of other sites you visit.

If You’re Not Satisfied

If you are concerned about how your personal data has been handled, you have the right to contact the UK’s data protection authority:

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113

Talk Financial Group Ltd is registered with the ICO, ref: ZB824302

Changes to This Policy

We regularly review our privacy policy and update it when necessary. The latest version will always be available on our website. This version was last reviewed on 2 June 2025.

Contacting Us

If you have any questions or concerns about this policy or the information we hold about you, please contact us:

Email: nic@talkfinancial.co.uk
Address: Talk Financial, 2 College Yard, Lower Dagnall Street, St Albans, AL3 4PA