Privacy Policy

Clearcastle ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our financial advisory services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Complete forms on our website (e.g., contact forms, consultation requests)
• Subscribe to our newsletter or download resources
• Engage our financial advisory services
• Communicate with us via email, phone, or other means

This information may include:

• Name, email address, phone number, and mailing address
• Date of birth and national insurance / social security number (for regulated services)
• Financial information including income, assets, liabilities, and investment experience
• Employment and tax residency information
• Information about your financial goals and risk tolerance

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

• IP address and browser type
• Device information and operating system
• Pages visited, time spent on pages, and navigation paths
• Referring website addresses

2. How We Use Your Information

We use the information we collect for the following purposes:

• Provide Services: To deliver our financial advisory services, including preparing financial plans, investment recommendations, and ongoing portfolio management
• Communication: To respond to your inquiries, send appointment reminders, and provide updates about your accounts or our services
• Legal and Regulatory Compliance: To comply with applicable laws, regulations, and professional obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements
• Improve Our Services: To analyze website usage and improve our services, content, and user experience
• Marketing: With your consent, to send you newsletters, educational content, and information about our services

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: With third-party service providers who assist us in operating our business, such as custodians, technology providers, and professional advisers, subject to confidentiality obligations
• Product Providers: With investment platforms, pension providers, and insurance companies as necessary to implement your financial plan
• Legal Requirements: When required by law, regulation, legal process, or government request
• Professional Advisers: With your consent, with your other professional advisers (e.g., accountants, solicitors) to coordinate advice
• Business Transfers: In connection with a merger, acquisition, or sale of assets, where your information may be transferred to the successor entity

4. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure access controls and authentication
• Regular security assessments and updates
• Staff training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. For financial advisory services, we are required to retain client records for a minimum of 5 years after the end of our relationship, or longer if required by applicable regulations.

6. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Rectification: Request correction of inaccurate or incomplete information
• Erasure: Request deletion of your personal information, subject to legal retention requirements
• Restriction: Request restriction of processing in certain circumstances
• Portability: Request transfer of your information to another service provider
• Objection: Object to processing based on legitimate interests or for direct marketing
• Withdraw Consent: Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us using the details provided below.

7. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. Cookies are small files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our website
• Improve our website and services

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our website.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. International Data Transfers

If you are located outside the United Kingdom, please be aware that your information may be transferred to, stored, and processed in the UK or other countries where we or our service providers operate. We ensure appropriate safeguards are in place for any international transfers of personal data.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by the "Last updated" date at the top of this page. We encourage you to review this Privacy Policy periodically for any changes.

11. Contact Us

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