Privacy Policy

Introduction

Sprint Voyage Financial Advisors Ltd is committed to protecting your privacy and handling your personal information responsibly. This privacy policy explains what information we collect, how we use it, who we share it with, and your rights regarding your data.

We are registered with the Information Commissioner's Office and comply with the UK General Data Protection Regulation and the Data Protection Act 2018.

Information We Collect

When you enquire about our services or become a client, we collect various types of information necessary to provide financial advice and comply with legal obligations.

Personal Details

We collect basic identification information including your name, date of birth, contact details, and address. This helps us communicate with you and verify your identity as required by law.

Financial Information

To provide appropriate advice, we need to understand your financial situation. This includes details about your income, expenses, assets, liabilities, pensions, investments, insurance policies, and tax status. We may also collect information about your employment, family circumstances, and financial goals.

Technical Information

When you visit our website, we automatically collect certain technical information including your IP address, browser type, operating system, and pages visited. This helps us improve our website and understand how visitors use it.

Sensitive Information

In some circumstances, we may need to collect sensitive personal information such as health data relevant to insurance recommendations or details about criminal convictions where required for regulatory compliance. We will only collect such information with your explicit consent or where legally required.

How We Use Your Information

We use your personal information for several purposes, always with a lawful basis.

Providing Our Services

The primary use of your information is to deliver the financial advice and services you've requested. This includes analyzing your situation, developing recommendations, implementing strategies, and providing ongoing support.

Legal and Regulatory Compliance

As a regulated financial services firm, we must comply with various legal obligations including anti-money laundering checks, client identification requirements, and regulatory reporting. We process your information as necessary to meet these obligations.

Communication

We use your contact information to communicate about your services, send important updates, and respond to your enquiries. With your permission, we may also send periodic newsletters or information about services that might interest you.

Business Operations

We use information to maintain our records, manage our business, conduct internal analysis, and improve our services. This includes quality assurance, staff training, and business planning.

Legal Basis for Processing

We rely on several legal bases to process your personal information.

Most processing is necessary for performing our contract with you to provide financial advice and services. Some processing is required to comply with legal obligations such as anti-money laundering regulations and tax reporting requirements.

Where we process information based on legitimate interests, such as improving our services or preventing fraud, we ensure these interests are balanced against your privacy rights. For sensitive information or marketing communications, we rely on your explicit consent, which you can withdraw at any time.

Who We Share Information With

We do not sell your personal information to third parties. However, we may share information with certain parties when necessary for our services or legal obligations.

Service Providers

We work with carefully selected third parties who help us deliver our services. This includes technology providers who host our systems, document storage providers, and professional services such as accountants or legal advisors. These providers are contractually obligated to protect your information and use it only for specified purposes.

Financial Product Providers

When implementing recommendations, we share relevant information with pension providers, investment platforms, insurance companies, or other financial institutions as necessary to establish accounts or policies on your behalf.

Regulatory Authorities

We may disclose information to the Financial Conduct Authority, HMRC, or other regulatory bodies when required by law or regulation.

Professional Advisors

With your permission, we may share information with your other professional advisors such as accountants or solicitors to coordinate advice and ensure comprehensive planning.

Legal Requirements

We may disclose information if required by law, court order, or to protect our legal rights or prevent illegal activity.

Data Security

We implement robust security measures to protect your personal information from unauthorized access, loss, or misuse.

Our systems are protected by encryption, firewalls, and access controls. Physical documents are stored securely with restricted access. Staff receive regular training on data protection and are bound by confidentiality obligations.

While we take all reasonable precautions, no method of transmission or storage is completely secure. We cannot guarantee absolute security but continually work to maintain and improve our protective measures.

Data Retention

We retain your personal information only as long as necessary for the purposes it was collected or as required by law.

For current clients, we maintain records throughout our relationship and for a minimum of six years after services end, as required by financial services regulations. Some records may be retained longer if necessary for legal claims or regulatory requirements.

For enquirers who don't become clients, we typically delete information within two years unless you've consented to ongoing marketing communications.

When information is no longer needed, it is securely deleted or destroyed to prevent unauthorized access.

Your Rights

Under data protection law, you have several rights regarding your personal information.

Access

You can request a copy of the personal information we hold about you. We will provide this within one month of your request, free of charge.

Correction

If information we hold is inaccurate or incomplete, you can ask us to correct or complete it.

Deletion

In certain circumstances, you can request deletion of your personal information. This right is not absolute, as we may need to retain information for legal or regulatory reasons.

Restriction

You can ask us to restrict processing of your information in specific situations, such as while we verify its accuracy or assess whether we have legitimate grounds to process it.

Portability

Where technically feasible, you can request we transfer certain information to another organization in a structured, commonly used format.

Objection

You can object to processing based on legitimate interests or for direct marketing purposes. We will stop such processing unless we demonstrate compelling legitimate grounds that override your interests.

Automated Decisions

You have rights regarding automated decision-making and profiling. We do not make solely automated decisions that significantly affect you.

To exercise any of these rights, please contact us using the details provided at the end of this policy. We may need to verify your identity before responding to requests.

Cookies and Website Technology

Our website uses cookies and similar technologies. Essential cookies are necessary for the website to function properly. We also use analytics cookies to understand how visitors use our site, but only with your consent.

You can manage your cookie preferences through the settings on our website or your browser. For more detailed information, see our separate Cookies Policy.

Marketing Communications

We may send you information about our services, financial planning insights, or regulatory updates. For prospective clients, we only send marketing communications with your consent. For existing clients, we may contact you about similar services based on legitimate interests, but you can opt out at any time.

All marketing emails include an unsubscribe link. You can also contact us directly to update your preferences.

Third-Party Websites

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

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. We will notify clients of significant changes via email or prominent notice on our website. The current version is always available on our website with the date of last update.

Contact and Complaints

If you have questions about this privacy policy or how we handle your personal information, please contact us:

Sprint Voyage Financial Advisors Ltd
42 Threadneedle Street
London EC2R 8AY
Email: [email protected]

If you are not satisfied with how we've handled your information, you have the right to lodge a complaint with the Information Commissioner's Office, the UK supervisory authority for data protection issues. Visit www.sprint-voyage.com for more information.