Privacy Policy

How we look after your personal information.

Your financial life is personal. To advise you well, we need to know a lot about it, and that means we hold information that matters. This policy explains what we collect, why, who we share it with, how long we keep it, and the rights you have over it. In plain English, because you should be able to understand it.

If anything here isn't clear, or you have a question about your information, contact us. Details are at the end.

Who we are

Pembroke and Pembroke Financial Planning are trading names of Pembroke Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) (FCA no. 228341. Company no. 02518721).

For data protection purposes, Pembroke Financial Planning Limited is a data controller: the organisation responsible for your personal information.

The information we collect

We collect information about you when you:

• enquire through our website, by phone, or in person
• book a call or complete a form, including the discuss-list of what you'd like help with
• become a client and we carry out a Financial Health Check or ongoing advice
• use our online tools, including the Personal Finance Portal and cashflow planning
• sign up to our newsletter
• apply for a role with us and send a CV
• take part in a client interview, survey, or give feedback

The information includes your personal and financial circumstances: your name and contact details, your income, assets, debts, pensions, investments, and your goals. To advise you properly we may also need special category data, most often about your health, for example when arranging protection or care planning. We only collect special category data with your explicit consent.

Why we use it, and our lawful bases

We only collect what we need, and we always have a lawful basis for using it. Depending on what we're doing, that basis is one of the following:

• To perform our contract with you. Most of our advice work relies on this. We can't plan your finances without your financial information.
• To meet our legal and regulatory obligations. As an FCA-regulated firm we must keep certain records and carry out checks, including anti-money-laundering and identity verification.
• For our legitimate interests. For example, improving our service, understanding our clients, and contacting existing clients about relevant services, balanced against your rights.
• With your consent. For example, for marketing emails, for collecting special category data.

Who we share it with

We never sell your information, and we never share it with other companies for their marketing.

To advise you and run our business properly, we do share information with organisations that work with us or hold your investments. These include:

• product, platform and investment providers we use to arrange and hold your investments
• the firms that provide our client systems and tools
• professional partners such as compliance, accountancy and legal services
• identity-verification and anti-fraud agencies, to meet our legal obligations

Where a third party processes your data for us, we put a contract in place that holds them to the same standards: they handle your data only on our instructions, keep it confidential, and protect it properly.

Occasionally a provider may administer a product from outside the UK. If your data is transferred outside the UK, we make sure it's protected by appropriate safeguards, as required by law.

How long we keep it

We keep your information only as long as we need it. Because we're a regulated firm, the law sets minimum periods for keeping certain records, and we may keep some information longer where we might need it to defend a legal claim.

Your rights

The law gives you rights over your personal information. You can ask us to:

• give you a copy of the information we hold about you
• correct anything that's wrong or out of date
• delete your information, where we're not required to keep it
• restrict or object to how we use it
• move your information to another organisation, where that applies
• withdraw your consent at any time, where we relied on consent

To exercise any of these, contact us using the details below. We'll respond within the time the law allows, normally one month.

We don't make decisions about you by automated means alone.

Marketing

We'll only send you marketing if you've agreed to it. Our newsletter and updates are opt-in, and you can opt out at any time, through the unsubscribe link in any email, or by contacting us. Opting out of marketing doesn't affect the service we provide as your advisor.

Recruitment

If you apply for a role or send us a CV, we use your information only to consider you for work with us.

Cookies

We use cookies to understand how people use our website and to improve it. You can control or block cookies through your browser settings, though some features may not work as well if you do. For more on the cookies we use, see our [Cookie policy].

Other websites

Our website links to others, including the investment platforms and the Personal Finance Portal. This policy covers only our website. When you follow a link elsewhere, that organisation's own privacy policy applies.

If you're unhappy

If you have a concern about how we've handled your information, please tell us first, we'd like the chance to put it right. You also have the right to complain to the Information Commissioner's Office (ICO), the UK's data protection regulator:

Information Commissioner's Office
Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
0303 123 1113
ico.org.uk

A note on this website

This website gives general information. It isn't advice, and it doesn't recommend any particular investment. If you're unsure whether something is right for you, contact us and we'll advise you properly.

Changes to this policy

We review this policy regularly and publish any updates here.

Last updated: July 2026

Contact us about your information or if you have any questions:
compliance@pembrokefinancial.co.uk