Privacy Policy

1. Introduction

Radiant Patch Financial Services Ltd ("we", "our", or "us") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website or use our services.

We are authorised and regulated by the Financial Conduct Authority (FCA) and comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Name and contact details (email address, phone number, postal address)
• Date of birth and identification information
• Financial information relevant to pension advice
• Employment and income details
• Investment experience and risk appetite
• Communication preferences

2.2 Technical Information

When you visit our website, we may automatically collect:

• IP address and browser type
• Pages visited and time spent on our site
• Referring website information
• Device and operating system information

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing pension advice and financial services
• Complying with regulatory requirements
• Communicating with you about our services
• Sending newsletters and marketing communications (with your consent)
• Improving our website and services
• Fraud prevention and security

4. Legal Basis for Processing

We process your personal information based on:

• Contract: To provide the services you have requested
• Legal obligation: To comply with FCA regulations and other legal requirements
• Legitimate interests: To improve our services and prevent fraud
• Consent: For marketing communications and certain cookies

5. Sharing Your Information

We may share your information with:

• Regulatory bodies (FCA, HMRC) when required by law
• Product providers for pension transfers or investments
• Professional service providers (solicitors, accountants) when necessary
• IT service providers who support our operations
• Third parties with your explicit consent

We do not sell your personal information to third parties.

6. Data Security

We implement appropriate technical and organisational measures to protect your personal information against:

• Unauthorised access or disclosure
• Accidental loss or destruction
• Unlawful processing

All sensitive information is encrypted and stored securely. Our staff receive regular training on data protection.

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements (typically 6 years after our relationship ends)
• Resolve disputes or enforce our agreements

8. Your Rights

Under UK GDPR, you have the right to:

• Access: Request a copy of your personal information
• Rectification: Correct inaccurate information
• Erasure: Request deletion of your information (subject to legal requirements)
• Restriction: Limit how we process your information
• Portability: Receive your information in a structured format
• Object: Object to processing based on legitimate interests
• Withdraw consent: For marketing communications and non-essential cookies

9. Cookies

Our website uses cookies to:

• Ensure the website functions properly (necessary cookies)
• Analyse website usage and performance (analytics cookies)
• Personalise content and advertisements (marketing cookies)

You can manage your cookie preferences through our cookie banner or browser settings. For more information, see our Cookie Policy.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these sites. Please review their privacy policies before providing any personal information.

11. International Transfers

We primarily process data within the UK. If we transfer data outside the UK, we ensure adequate protection through:

• Adequacy decisions
• Standard contractual clauses
• Other appropriate safeguards

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on our website and updating the "last updated" date.

13. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

14. Complaints

If you are not satisfied with how we handle your personal information, you have the right to complain to the Information Commissioner's Office (ICO):