Who are we?
Ash-Ridge Asset Management Limited is a private limited company registered at Companies House (No.4941916) and is regulated by the Financial Conduct Authority (No. 401000) in its capacity of an independent Financial Adviser.
This Policy explains when and why we collect personal information about people who enquire about our financial advice services and/or become clients. The policy also explains how we use that information, the conditions under which we may disclose information to others and how we keep personal information secure.
How we collect information from you
We collect information about you from a variety of sources, including meetings, telephone conversations, emails and our website.
What type of information is collected?
The personal information we collect might include your name, address and email address, and information about your health, lifestyle, finances and investments to provide you the most appropriate financial, investment, protection and mortgage advice.
We may also ask you to provide evidence of your identity, such as asking for a copy of your passport, driving licence, and proof of residence or income. We are required to ask for this information to comply with legislation such as money laundering regulations and the Financial Services Act.
We do not hold client monies, however, your bank account information may be required to provide deposit and payment facilities requested by you with your agreed product and service providers.
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How we use your personal information
We use personal information about you in connection with the following purposes:
- Financial Advice, Information, Services, Products and Account Management that you have requested from us.
- Arrange, check and complete any transactions you are undertaking through us with existing or new product providers.
- Compliance with our legal, insurance and regulatory obligations
- Administer internal business administration and operations, including file management, data storage, data analysis, testing, research, statistical and survey purposes.
- Notification of changes to our services and to help keep your data safe and secure
- To resolve disputes
Your individual rights
The accuracy of your information is important to us and an essential part of the financial services we provide to you. The General Data Protection Regulations (2018) entitle you to certain rights in respect of your personal data, including the rights relating to information, access, rectification, erasure, restriction, portability and profiling.
You have a choice about whether or not you wish to receive marketing information from us.
We will not contact you for marketing purposes unless you have given your prior consent. You can change your marketing preferences at any time by contacting us.
Requests for access to Personal Information
We are happy to provide you with details of your Personal Information that we hold or process. To protect our customers’ personal information, we follow strict storage and disclosure procedures, which mean that we may require proof of identity from you prior to disclosing such information. We may charge a small administration fee in relation to any requests for access to personal information. Please direct any such request to the Data Protection Officer.
Raising a complaint about how we have handled your personal data
If you wish to raise a complaint about how we have handled your personal data, you can contact our Data Protection Officer as set out above, who will then investigate the matter.
If you are not satisfied with our response or believe we are not processing your personal data in accordance with the law you can complain to the Information Commissioner’s Office (ICO) – details can be found here: https://ico.org.uk/concerns
Sharing your personal information
We may pass your information to administration centres, third-party service providers, agents, subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf.
These third parties may include:
Investment platforms, Fund managers, Pension providers, Insurance companies, Mortgage and Finance companies, Insurance brokers and Credit brokers to enable us to obtain quotations, services and information for you.
Credit reference agencies and other companies for use in credit decisions and fraud prevention.
When we use third-party service providers, we disclose only the personal information that is necessary to deliver the service and not to use it for their own direct marketing purposes.
We may transfer your personal information to a third party as part of a sale of some, or all, of our business and assets or as part of any business restructuring or reorganisation, or if we are under a duty to disclose or share your personal data in order to comply with any legal obligation. However, we will take steps to ensure that your privacy rights continue to be protected.
We will not sell, trade or rent your personal data.
Keeping your information safe
We take our responsibility to look after your personal information and privacy seriously. In today’s world, we have all seen a growing trend in cybercrime and security breaches. We have a number of security measures in place to help prevent fraud and cybercrime.
If we become aware that a personal data breach has occurred and is likely to result in a high risk to the rights and freedoms of our clients or employees, we will inform them without undue delay.
We educate and train our employees and liaise with our contractors on their own, fraud prevention and privacy obligations to adhere to the Data Protection Act to keep your information safe.
We also educate our employees in identifying potential financial crime and internal fraud; any suspicious activity is reported to our Data Protection officer.
We use technical security measures to make sure our data systems are protected from unauthorised access. Tools such as authentication controls, antivirus, firewalls, malware detection and back-up procedures are used.
The purpose of Business Continuity Management we have a back-up recovery plan that supports the timely and full restoration of our products and services for our clients.
However, whilst we take appropriate technical and organisational measures to safeguard your Personal Information, please note that we cannot guarantee the security of any data that you transfer over the internet to us.
Transferring your information outside of the European Union
This may happen if any of our servers are or become located in a country outside of the EU. If we transfer your information outside of the EU in this way, we will take steps to ensure that your privacy rights continue to be protected as outlined in this Policy.
If you use our services while you are outside the EU, your information may be transferred outside the EU in order to provide you with those services.
Please note that if you communicate with us electronically, including by e-mail, telephone or fax, this communication may be randomly monitored and/or recorded to protect the interests of our business and our customers. This includes for the purposes of maintaining customer/service quality standards, detection of and/or prevention of crime and to ensure that our employees and contractors comply with legal obligations.
Review of this Policy
I first met Anthony Kynaston some 13 years ago, when I sought advice regarding an inheritance from my late parents. He immediately impressed me with his friendly, calm, clear and professional manner, ascertaining my individual needs. Tony has since then continued to advise, plan and manage my financial affairs. This includes advice on my Buy to Let property and pension needs. He and his colleagues are always available to assist with any queries I may have. As a result, I can relax and now enjoy my retirement, leaving the complexities of financial management in their safe hands.
Ash-Ridge has been advising me for over 25 years. I have seen a very significant increase in the value of my portfolios over the years and have been very impressed by their professionalism, attention to detail, hands on management and care. I have been thoroughly pleased with the service so far.
Ash-Ridge has provided myself and my family with friendly, professional financial advice for many years. I find them trustworthy and reliable, and would not hesitate to recommend them.
I have been working with Tony and Andrew at Ash-Ridge to manage my financial affairs for several turbulent years since 2007. They have supported me with a variety of significant decisions and administration relating to pensions and investments while dealing with ever-changing circumstances as I moved into retirement. I am very happy to work with them, and to recommend their services.
Ash-Ridge have been managing my personal pension investment portfolio for two years. I can say that I am absolutely delighted with the professional way they have handled my assets offering solid and independent advice which has been prudent and reliable. Dealing with an experienced team with first class communication and speed of response when advice is required. They are a pleasure to deal with.
Sophie and I just wanted to thank you again for all your help in remortgaging. As ever, the service was superb and efficient, we will of course be coming back!
We have been using Jane at Ash-Ridge for the last 10 years, which literally speaks volumes for the service we receive. Jane’s honest and straightforward approach is a key part in ensuring we get the deal that is best for us. She is swift and always keeps us updated throughout the entire process whilst allowing us sufficient time to make a final decision. Jane is a first class mortgage adviser and I would recommend her to anyone seeking mortgage or financial advice.