Cookie & Privacy Policy


Cookie & Privacy Policy


Privacy policy

Protecting your personal details on our website.

Last updated: 31 March 2016

Future Planning Wealth Management Limited (registered number 09566818), whose registered office is at Regus House, Windmill Hill Business Park, Whitehill Way, Swindon, Wiltshire, SN5 6QR, knows that you care how information about you is used and shared and we appreciate your trust in us to do that carefully and sensibly. This notice describes our privacy policy and forms part of our website terms and conditions ('Website Terms').

By accepting our Website Terms or by visiting www.futureplanningwm.co.uk ('the Website') you are accepting and consenting to the practices described in this Privacy Policy.

The Website is brought to you by Future Planning Wealth Management Limited. Future Planning Wealth Management Limited believes it is important to protect your Personal Data (as defined in the Data Protection Act 1998) and we are committed to giving you a personalised service that meets your needs in a way that also protects your privacy. This policy explains how we may collect Personal Data about you. It also explains some of the security measures we take to protect your Personal Data, and tells you certain things we will do and not do. You should read this policy in conjunction with the Website Terms.

When we first obtain Personal Data from you, or when you take a new service or product from us, we will give you the opportunity to tell us if you do or do not want to receive information from us about other services or products (as applicable). You can normally do this by ticking a box on an application form or contract. You may change your mind at any time by emailing us at the address below.

Some of the Personal Data we hold about you may be 'sensitive personal data' within the meaning of the Data Protection Act 1998, for example, information about your health or ethnic origin.

1.Collecting Information

We may collect Personal Data about you from a number of sources, including the following:

1.1.From you when you agree to take a service or product from us, in which case this may include your contact details, date of birth, how you will pay for the product or service and your bank details.

1.2.From you when you contact us with an enquiry or in response to a communication from us, in which case, this may tell us something about how you use our services.

1.3.From documents that are available to the public, such as the electoral register.

1.4.From third parties to whom you have provided information with your consent to pass it on to other organisations or persons.

2.Using Your Personal Information

2.1.Personal Data about our customers is an important part of our business and we shall only use your Personal Data for the following purposes and shall not keep such Personal Data longer than is necessary to fulfil these purposes:

2.1.1.To help us to identify you when you contact us.

2.1.2.To help us to identify accounts, services and/or products which you could have from us or selected partners from time to time. We may do this by automatic means using a scoring system, which uses the Personal Data you have provided and/or any information we hold about you and Personal Data from third party agencies (including credit reference agencies).

2.1.3.To help us to administer and to contact you about improved administration of any accounts, services and products we have provided before, do provide now or will or may provide in the future.

2.1.4.To allow us to carry out marketing analysis and customer profiling (including with transactional information), conduct research, including creating statistical and testing information.

2.1.5.To help to prevent and detect fraud or loss.

2.1.6.To allow us to contact you in any way (including mail, email, telephone, visit, text or multimedia messages) about products and services offered by us where

2.1.6.1.these products are similar to those you have already purchased from us,

2.1.6.2.you were given the opportunity to opt out of being contacted by us at the time your Personal Information was originally collected by us and at the time of our subsequent communications with you, and

2.1.6.3.you have not opted out of us contacting you.

2.1.7.To allow us to contact you in any way (including mail, email, telephone, visit, text or multimedia messages) about products and services offered by us and selected partners where you have expressly consented to us doing so.

2.1.8.We may monitor and record communications with you (including phone conversations and emails) for quality assurance and compliance.

2.1.9.We may check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this.

2.2.We will not disclose your Personal Data to any third party except in accordance with this Privacy Policy.

2.3.We may allow other people and organisations to use Personal Data we hold about you in the following circumstances:

2.3.1.If we, or substantially all of our assets, are acquired or are in the process of being acquired by a third party, in which case Personal Data held by us, about our customers, will be one of the transferred assets.

2.3.2.If we have been legitimately asked to provide information for legal or regulatory purposes or as part of legal proceedings or prospective legal proceedings.

2.3.3.We employ companies and individuals to perform functions on our behalf and we may disclose your Personal Data to these parties for the purposes set out in clause 2.1 or, for example, for fulfilling orders, delivering packages, sending postal mail and email, removing repetitive information from customer lists, analysing data, providing marketing assistance, providing search results and links (including paid listings and links) and providing customer service. Those parties are bound by strict contractual provisions with us and only have access to Personal Data needed to perform their functions, and may not use it for other purposes. Further, they must process the Personal Data in accordance with this Privacy Policy and as permitted by the Data Protection Act 1998. From time to time, these other people and organisations to whom we may pass your Personal Data may be outside the European Economic Area. We will take all steps reasonably necessary to ensure that your Personal Data is treated securely and in accordance with this Privacy Policy and the Data Protection Act 1998.

2.4.Where you give us Personal Data on behalf of someone else, you confirm that you have provided them with the information set out in this Privacy Policy and that they have not objected to such use of their Personal Data.

2.5.In connection with any transaction which we enter into with you:

2.5.1.We may carry out with one or more licensed credit reference and fraud prevention agencies:

2.5.1.1.credit checks where you have given us your express consent, and

2.5.1.2.fraud prevention checks.

We and they may keep a record of the search. Information held about you by these agencies may be linked to records relating to other people living at the same address with whom you are financially linked. These records will also be taken into account in credit and fraud prevention checks. Information from your application and payment details of your account will be recorded with one or more of these agencies and may be shared with other organisations to help make credit and insurance decisions about you and members of your household with whom you are financially linked and for debt collection and fraud prevention. This includes those who have moved house and who have missed payments.

2.5.2.If you provide false or inaccurate information to us and we suspect fraud, we will record this and may share it with other people and organisations. We, and other credit and insurance organisations, may also use technology to detect and prevent fraud.

2.5.3.If you need details of those credit agencies and fraud prevention agencies from which we obtain and with which we record information about you, please write to our Data Protection Manager at Future Planning Wealth Management Limited, Regus House, Windmill Hill Business Park, Whitehill Way, Swindon, Wiltshire, SN5 6QR.

3.Protecting Information

We have strict security measures to protect Personal Data.

3.1.We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.

3.2.We reveal only the last five digits of your credit card numbers when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing.

3.3.We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of personally identifiable customer information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you.

3.4.It is important for you to protect against unauthorised access to your password and to your computer. Be sure to sign off when you finish using a shared computer.

4.The internet

4.1.If you communicate with us using the internet, we may occasionally email you about our services and products. When you first give us Personal Data through the Website, we will normally give you the opportunity to say whether you would prefer us not to contact you by email. You can also always send us an email (at the address set out below) at any time if you change your mind.

4.2.Please remember that communications over the internet, such as emails and webmails (messages sent through a website), are not secure unless they have been encrypted. Your communications may go through a number of countries before they are delivered - this is the nature of the internet. We cannot accept responsibility for any unauthorised access or loss of Personal Data that is beyond our control.

5.Cookies

When we provide services, we want to make them easy, useful and reliable. This sometimes involves placing small amounts of information on your computer. These are called 'cookies'.

These cookies cannot be used to identify you personally and are used to improve services for you, for example through:

- Letting you navigate between pages efficiently

- Enabling a service to recognise your computer so you don't have to give the same information during one task

- Recognising that you have already given a username and password so you don't need to enter it for every web page requested

- Measuring how many people are using services, so they can be made easier to use and that there is enough capacity to ensure they are fast

To learn more about cookies, see:

- www.allaboutcookies.org

- www.youronlinechoices.eu

- www.google.com/policies/technologies/cookies/

Users typically have the opportunity to set their browser to accept all or some cookies, to notify them when a cookie is issued, or not to receive cookies at any time. The last of these options, of course, means that personalised services cannot be provided and the user may not be able to take full advantage of all of a website's features. Refer to your browser's Help section for specific guidance on how it allows you to manage cookies and how you may delete cookies you wish to remove from your computer.

Multiple cookies may be found in a single file depending on which browser you use.

The cookies used on this website have been categorised based on the categories found in the ICC UK Cookie guide, as follows:

Category 1: strictly necessary cookies

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like shopping baskets or e-billing, cannot be provided.

Category 2: performance cookies

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

Category 3: functionality cookies

These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as a live chat session. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

Category 4: targeting cookies or advertising cookies

These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organisations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisation.

The list below shows the cookies that we use, other than those that are strictly necessary to this service. If you have any queries about these, or would like more information, please contact our Data Protection Manager at Future Planning Wealth Management Limited, Regus House, Windmill Hill Business Park, Whitehill Way, Swindon, Wiltshire, SN5 6QR, or email us at enquiries@futureplanningwm.co.uk.

Cookie name Description
_utma This is one of the four main cookies set by the Google Analytics service which enables website owners to track visitor behaviour and measure site performance. This cookie lasts for 2 years by default and distinguishes between users and sessions. It it used to calculate new and returning visitor statistics. The cookie is updated every time data is sent to Google Analytics. The lifespan of the cookie can be customised by website owners.
_utmb This is one of the four main cookies set by the Google Analytics service which enables website owners to track visitor behaviour and measure site performance. This cookie determines new sessions and visits and expires after 30 minutes. The cookie is updated every time data is sent to Google Analytics. Any activity by a user within the 30 minute life span will count as a single visit, even if the user leaves and then returns to the site. A return after 30 minutes will count as a new visit, but a returning visitor. The main purpose of this cookie is: Performance
_utmz This is one of the four main cookies set by the Google Analytics service which enables website owners to track visitor behaviour measure of site performance. This cookie identifies the source of traffic to the site - so Google Analytics can tell site owners where visitors came from when arriving on the site. The cookie has a life span of 6 months and is updated every time data is sent to Google Analytics. The main purpose of this cookie is: Performance

By using this website, you agree that we can place these types of cookies on your device.

6.Links

6.1.The Website may include third-party advertising and links to other websites. We do not provide any personally identifiable customer Personal Data to these advertisers or third-party websites.

6.2.These third-party websites and advertisers, or internet advertising companies working on their behalf, sometimes use technology to send (or 'serve') the advertisements that appear on the Website directly to your browser. They automatically receive your IP address when this happens. They may also use cookies, JavaScript, web beacons (also known as action tags or single-pixel gifs), and other technologies to measure the effectiveness of their ads and to personalise advertising content. We do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third-party websites are not covered by this Privacy Policy. Please contact them directly for more information about their privacy practices. In addition, the Network Advertising Initiative offers useful information about internet advertising companies (also called 'ad networks' or 'network advertisers'), including information about how to opt-out of their information collection.

6.3.We exclude all liability for loss that you may incur when using these third party websites.

7.Further Information

7.1.If you would like any more information or you have any comments about our Privacy Policy, please either write to us at Data Protection Manager, Future Planning Wealth Management Limited, Regus House, Windmill Hill Business Park, Whitehill Way, Swindon, Wiltshire, SN5 6QR, or email us at enquiries@futureplanningwm.co.uk.

7.2.We may amend this Privacy Policy from time to time without notice to you, in which case, we will publish the amended version on the Website. You confirm that we shall not be liable to you or any third party for any change to this Privacy Policy from time to time. It is your responsibility to check regularly to determine whether this Privacy Policy has changed.

7.3.You can ask us for a copy of this Privacy Policy and of any amended Privacy Policy by writing to the above address or by emailing us at enquiries@futureplanningwm.co.uk. This Privacy Policy applies to Personal Data we hold about individuals. It does not apply to information we hold about companies and other organisations.

7.4.If you would like access to the Personal Data that we hold about you, you can do this by emailing us at enquiries@futureplanningwm.co.uk or writing to us at the address noted above. There may be a nominal charge of £10 to cover administrative costs.

7.5.We aim to keep the Personal Data we hold about you accurate and up to date. If you tell us that we are holding any inaccurate Personal Data about you, we will delete it or correct it promptly. Please email us at enquiries@futureplanningwm.co.uk or write to us at the address above to update your Personal Data.


Content Management System cookies
Used by the software (Vignette) which displays our website content to remember selections or preferences you’ve already made.

Search cookies
Used by the search engine (Funnelback) to allow you to save results to a shortlist for later viewing.

Cookie name What is it
FBJESSIONID Typical content: randomly generated number.
Expires: when user exits browser.
user-id Typical content: randomly generated number sequence.
Expires: maximum time allowed by browser.


Firms section

Our firms section uses Drupal cookies to display and remember content based on selections you have already made.

Cookie name What is it
Drupal.session_cache_popup_seen Server pop-up to first time users
Typical content: boolean.
Expires: one week.
Drupal.session_cache.global filter Contextualised user journeys
Typical content: boolean.
Expires: one week.
ShowCookieIcon Typical content: boolean.
Expires: three months.
Firms-cookiecontrol Typical content: boolean.
Expires: three months.
has.js Typical content: boolean.
Expires: session (until page is closed).


Vimeo cookies

We use Vimeo’s privacy-enhanced mode to embed videos from our official Vimeo channel. You can find out more on Vimeo’s embedding videos information page.

Google Analytics Opt-out Browser Add-on

To provide website visitors with the ability to prevent their data from being used by Google Analytics, we have developed the Google Analytics opt out browser add-on for the Google Analytics JavaScript (ga.js, analytics.js, dc.js).

If you want to opt out, download and install the add-on for your web browser. The Google Analytics opt out add-on is designed to be compatible with Chrome, Internet Explorer 8-11, Safari, Firefox and Opera. In order to function, the opt out add-on must be able to load and execute properly on your browser. For Internet Explorer, third-party cookies must be enabled. Learn more about the opt out and how to properly install the browser add-on here.

Google Analytics Cookies

Google Analytics mainly uses first-party cookies to report on user interactions on Google Analytics customers’ websites. These cookies are used to store non-personally identifiable information. Browsers do not share first-party cookies across domains.

For customers who use Google Analytics Advertising Features, Google advertising cookies are used to enable features, such as Remarketing, for products like AdWords on the Google Display Network. For more information about how Google uses advertising cookies, visit the Google Advertising Privacy FAQ. To manage settings for these cookies and opt-out of these features, visit the Ads Settings.

Universal Analytics

Google Analytics customers who have enabled the analytics.js collection method viaUniversal Analytics can control whether or not they use cookies to store an anonymous or random client identifier. If the customer decides to set a cookie, the information stored in the local first-party cookie is reduced to a random identifier (e.g., 12345.67890).

Universal Analytics introduces more feature-configuration options and new collection methods, including via the Measurement Protocol. Although these features don’t change the Google Analytics security and privacy principles very much, any site, app, or other digital device or service that implements certain features of Universal Analytics (like the Measurement Protocol) is responsible for providing notice and offering control to their users.

In case Google Analytics customers use a service that has implemented Universal Analytics, check the notice given and choice offered by this service directly with the Google Analytics customer using such service, as the opt-out directly provided by Google Analytics does not affect data reported through certain features of Universal Analytics, such as the Measurement Protocol. For more information, review the Universal Analytics usage guidelines and the Universal Analytics security and privacy information.

General
You can choose to refuse cookies or tell your browser to let you know each time that a website tries to set a cookie. However, refusing cookies may mean some sections of the site will not work properly.
For more information about cookies (including how to turn them off) please visit w ww.allaboutcookies.org.

Future Planning Wealth Management
Regus House
Windmill Hill Business Park
Whitehill Way
Swindon
Wiltshire
SN5 6QR

Admin@futureplanningwm.co.uk
01793 441440


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