At Taylor Money, we are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, share, and protect your data in compliance with the UK General Data Protection Regulation (UK GDPR). By engaging with Taylor Money, you consent to the practices described in this policy.

Understanding UK GDPR

The UK GDPR, implemented on May 25, 2018, replaced the Data Protection Act 1998 and remains in effect as domestic law post-Brexit. Taylor Money adheres to the principles, rights, and obligations outlined in the UK GDPR and the Data Protection Act 2018 to ensure the utmost protection of your personal data.

How Does This Affect You?

Under the UK GDPR, you have enhanced control over your personal data. As a client, this means:
• Greater control over your personal data
• Ability to manage permissions for contact
• Strengthened penalties for data security breaches

At Taylor Money, we respect your privacy and rights to control your personal data. Our practices are designed to ensure the safety and confidentiality of your information. We do not sell your data to third parties.

Please find below:
1. Privacy Policy for clients of Taylor Money
2. Website Privacy Policy
3. Website Cookie Policy

1. Privacy Policy for clients of Taylor Money

Information We May Collect

We collect personal information to provide you with tailored financial advice.

This includes:
1. Name, address, date of birth, and National Insurance number
2. Contact details
3. Bank details
4. Financial information, both present, and historical
5. Children’s details
6. Relevant documents (e.g. passport, driving license, statements)

This information is essential to assess your needs and provide suitable recommendations. This information is collected and contained within a ‘client fact finding document’, and notes that we make. This information is essential to assess your situation, needs and objectives allowing us to make a suitable recommendation. Processing your personal data for this purpose is necessary for the agreement we have with you. We collect and store this data securely in compliance with regulatory requirements.

How We Use Your Information

Taylor Money uses your data for the following purposes:

Providing relevant financial products and services
We use data to provide, operate, support and improve the products and services we offer. This processing is necessary for the performance of the agreement we have with you.

Client support and care
We use data to respond to client enquiries, diagnose problems and provide other client care and support services. This processing is necessary for the performance of the agreement we have with you, as well as to serve our legitimate interest.

Ensuring security, safety and resolving disputes
We use data to protect the security and safety of our clients, to detect and prevent fraud, to resolve disputes and enforce our agreements. This processing is necessary to serve our legitimate interest.

Business operations and intelligence
We use data to develop aggregate analysis and business intelligence that enables us to operate, protect, make informed decisions, and report on the performance of our business. This processing is necessary to serve our legitimate interest.

Communication, marketing and advertising
We use the data we collect to deliver and personalise our communications with you. For example, we may contact you by email or other means of electronic communication to inform you about new products or services, security or software updates, update you on a support issue or invite you to take part in a survey. This processing is necessary to serve our legitimate interest.

Law and Personal Information
The law permits the use of personal data for restricted legal purposes as follows:
- Contractual (likely to be how we interact with you)
- Legal Duty
- Legitimate interests

If you do not wish us to collect and use your personal information in this way, and you inform us of your wishes, we will not use your personal data. However, this may mean that we will be restricted in providing you, or not able to provide you, with our products and services.

Information obtained from other sources
In addition, we may, with your permission, contact third parties to provide us with relevant information regarding existing products that are relevant to your financial situation.

Sharing Your Information

We may share your data with:
- Providers to implement recommendations and deliver services
- Regulatory bodies such as the Financial Conduct Authority (FCA) and Information Commissioner's Office (ICO)
- Law enforcement agencies and HM Revenue & Customs
- UK Financial Services Compensation Scheme

We do not sell your personal information. Our services may include links to third-party products or services, whose privacy practices may differ. Please review their privacy statements carefully.

Data Processing and Protection
All your information is processed within the UK. We ensure data transfers outside the European Economic Area (EEA) comply with legal requirements and your instructions. Our robust security measures, alongside industry standards, safeguard your information from unauthorized access or disclosure.

Updating your Personal Information
Once you receive documents based on our recommendation, you will receive regular updates from Taylor Money and the provider(s) to keep you up to date. It may be that we need to update your information from time to time to ensure accuracy of the data we hold about you.

Retaining your data
We will keep your personal information for as long as you are a client of Taylor Money. After our relationship with you has ceased, we may keep your data for up to seven years to meet our legal or regulatory obligations or if we have a technical issue.

Protection of Personal Data
We have stringent controls in place to help protect personal data and to minimise loss or damage through accident, negligence of deliberate actions. Our employees receive annual training to help protect sensitive or confidential information. Our security controls are in line with industry standards, alongside our own internal policies and procedures effectively to manage risks to the confidentiality, integrity and availability of your information.

Your Rights
Under the UK GDPR, you have the following rights:

Right to be informed
You have the right to be informed about the collection and use of your data, why and who we share it with. This should be clear after reading through our privacy statement.

Right of access
You have a right of access to all your personal information, if you would like to receive a copy of the personal information we hold for you, you may request your data by written request to our Privacy Officer (details below).

Right to rectification
You have the right to have your personal data rectified if it is inaccurate or incomplete. You can ask for your information to be deleted or removed if there is not a compelling reason for Taylor Money to continue to have it. However, some data must be kept under regulation for a certain period, if this is the case we will inform you what information must be kept and for what period.

Right to restrict processing
You have the right to request to block or delay the processing of personal information for certain reasons. If your request meets the necessary conditions for restriction, it means that we are still permitted to keep your personal data, but in this instance, we will not use your data in the future for those reasons in which you have restricted.

Right to data portability
You have the right to ask for a copy of your personal information for your own purposes to use across different services. In certain circumstances, you may request that we transfer the personal information we hold, to another company in a safe and secure way, e.g. if you were moving your account to a different investment manager.

Right to object
You have the right to object to Taylor Money processing your personal information where the processing is for:
- Scientific or historical research
- Direct marketing – in this case you have an absolute right to object
- Your legitimate interests (or those of a third party)
- A task carried out in the public interest

Rights related to automated decision making
Should we require an automated decision relating to a recommendation we will seek your permission. We sometimes use your data to obtain a decision in relation to offering you life/critical illness, income protection or annuity products; this process will be explained to you and your permission sought before we complete an application.
We respect these rights and will assist you in exercising them.

Communication Preferences
You can opt out of receiving direct marketing communications from Taylor Money by letting us know directly and confirming how you would like us to communicate with you. Please note, regardless of your communication settings, we will continue to communicate with you regarding changes to terms and conditions, policy updates, regular newsletters or important messages such as information about current or past purchases, service interruptions, data breaches or other significant information about a product you hold, such as discontinuation of support or safety issues.

Changes to Our Privacy Policy
We regularly review our privacy policy to ensure compliance and transparency. Any updates will be posted on our website. The last review was in March 2025.

Complaints
If you have concerns about how we handle your information, please contact us. We will address your concerns promptly. If you remain dissatisfied, you have the right to escalate the matter to the ICO. Their contact details can be found on their website www.ico.org.uk

2. Website Privacy Policy

Taylor Money Wealth Management is committed to protecting the privacy and security of your personal and financial information when using this website. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you visit our website www.taylormoney.com ("the Site"). By using our Site, you consent to the practices described in this Privacy Policy.

Information We Collect
We may collect both personal and non-personal information from you, depending on your interactions with our Site and services.

Personal Information
Personal information is any data that can be used to identify you as an individual. The types of personal information we may collect include:
- Identification information: Name, phone number, email address
- Account information: Usernames, passwords, and other credentials related to your account on our Site through “Client Login”.
- Other information: Income level

Non-Personal Information
Non-personal information includes data that cannot be used to identify you. This may include:
- Technical information: IP address, browser type, operating system, device information, and other technical details about how you access and use the Site.
- Usage information: Data on how you navigate the Site, including pages visited, time spent on the Site, search queries, and other activity logs.

How We Collect Information
We collect information in the following ways:
- Information You Provide Directly: When you contact us using the “Get in touch” form or log in to the “Client Portal” or interact with our Site in any other way, you provide us with personal information.

Information We Collect
When you submit a form on our website, we may collect the following personal information:
- Contact Information: such as your name, email address, phone number
- Demographic Information: such as Type of advice required, Best time to call and Investable Assets
- Message/Request Details: any additional information you provide in the message or inquiry fields.

Purpose of Data Collection
- We collect and process your personal data for the following purposes:
- To Respond to Your Inquiries or Requests: This is to respond to people who have shown an interest in the company and to gain additional information so that we can onboard as clients if applicable.
- To Provide Services: If you are requesting a product, service, or information, we will use your details to fulfill your request.
- To Improve Our Services: We may analyse form submissions to improve the content and functionality of our website and services.
- For Marketing Communications (with Consent): If you have opted in, once onboarded as a client, we may use your contact information to send you newsletters and updates.
- To Comply with Legal Obligations: We may process your data when required to meet legal or regulatory requirements.

Legal Basis for Processing
- We process your personal data based on the following legal grounds:
- Consent: If you provide your data through a form and explicitly consent to receiving communications, we may process your data for marketing purposes.
- Contractual Necessity: We may process your data if it is necessary to fulfil a contract or take steps prior to entering into a contract with you (for example, processing a product order or providing customer support).
- Legitimate Interests: We may process your data based on our legitimate interests, such as improving our website and services, as long as these interests do not override your rights and freedoms.
- Legal Obligation: We may process your data to comply with legal obligations or respond to law enforcement requests.
- Automated Data Collection: We collect non-personal information through cookies, web beacons, and similar tracking technologies when you visit our Site or use our services. This helps us analyse how the Site is used and improve your experience. Please refer to the Cookies Policy here (link).
- Third-Party Sources: We may obtain information from third-party providers, such as credit bureaus, financial institutions, or data verification services, to verify your identity, assess your creditworthiness, or provide you with the financial services you request.

How We Use Your Information
We may use the information we collect from you
- To contact you: To respond to any enquiries sent through the “Get In Touch” page for further information and/or offer an initial consultation
- To improve our services: To analyse your use of the Site and our services to enhance functionality, fix bugs, and improve your user experience.
- To comply with legal obligations: To comply with financial regulations, anti-money laundering (AML) laws, know-your-customer (KYC) requirements, and other legal and regulatory obligations, including identity verification and fraud prevention.

How We Share Your Information
We will not disclose your personal information to any third party websites. However, we may share your information in the following circumstances:
- With Service Providers: Once onboarded as a client, we will share your information with third-party service providers who assist us in offering financial services, such as payment processors, data storage providers, marketing partners, and IT support companies. These providers are required to handle your information securely and only as necessary for the services they perform for us.
- With Regulators and Legal Authorities: We may disclose your information to government authorities, financial regulators, or law enforcement agencies if required by law or regulation (e.g., anti-money laundering (AML) and know your customer (KYC) requirements).
In Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our business, your information may be transferred to the new entity as part of that transaction.

Data Security
We take the protection of your personal and financial information seriously. We use industry-standard security measures, including encryption, firewalls, and secure sockets layer (SSL) technology, to safeguard your data. However, no method of transmission over the Internet or method of electronic storage is 100% secure, so while we strive to protect your data, we cannot guarantee absolute security.

Your Rights and Choices
Depending on your location and applicable law, you may have certain rights regarding your personal information. These may include:
- Access: You have the right to request access to the personal information we hold about you.
- Correction: You can request that we correct any inaccurate or incomplete personal information.
- Deletion: You can request the deletion of your personal information, subject to certain legal and regulatory requirements (e.g., retention for financial record-keeping purposes).
- Opt-Out: You may opt out of receiving promotional communications from us by following the unsubscribe instructions in our emails or by contacting us directly.
- Data Portability: If applicable, you have the right to request a copy of your personal data in a commonly used format.

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

Third-Party Links
Our Site may contain links to third-party websites or services that are not operated by us. This Privacy Policy applies only to our Site, and we are not responsible for the privacy practices of third-party websites. We encourage you to review the privacy policies of any third-party sites you visit.

Compliance with Regulations
We are committed to complying with relevant privacy laws and financial regulations, including:
- UK General Data Protection Regulation (GDPR): For customers located in the European Economic Area (EEA), we comply with the GDPR, which gives individuals certain rights over their personal data, including the right to access, correct, or delete their data.
- Financial Industry Regulations: We also comply with regulations specific to the financial industry, such as those related to anti-money laundering (AML), fraud prevention, and identity verification (Know Your Customer or KYC).

Data Retention
We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including compliance with legal and regulatory requirements. Once your data is no longer needed, we will take reasonable steps to securely delete it.

Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal obligations. We will notify you of any material changes by posting the updated policy on this page and updating the "Last Updated" date.

3. Website Cookie Policy

At Taylor Money Wealth Management, we value your privacy and strive to provide you with a seamless browsing experience. This Cookie Policy explains how we use cookies and similar technologies on our website www.taylormoney.com ("the Site"). By using the Site, you agree to the use of cookies as described in this policy.

What Are Cookies?
Cookies are small text files that are placed on your device when you visit a website. They allow the website to remember your actions and preferences over time, making your browsing experience more efficient and personalised. Cookies may be set by the website you are visiting (first-party cookies) or by third-party services (third-party cookies).

Types of Cookies We Use
We use the following categories of cookies on our website:
- Essential Cookies: These cookies are strictly necessary for the operation of the Site and cannot be disabled. They are used to provide services you have requested, such as logging in or filling out forms. Example: Authentication cookies that keep you logged in.
- Performance Cookies: These cookies collect information about how visitors use the Site, such as which pages are visited most often, or if users receive error messages. These cookies help us improve the performance of our Site. Example: Google Analytics cookies to track website traffic.

How We Use Cookies
We use cookies for various purposes, including:
- To make the Site function properly.
- To enhance your experience by remembering preferences.
- To analyse Site usage and improve our content and services.

Managing Cookies
You can control and manage cookies in your browser settings. Most browsers allow you to accept or reject cookies, delete cookies, and set preferences for how cookies are handled. The steps for managing cookies depend on your browser, but you can typically find instructions in the settings or preferences menu.

Please note that disabling certain cookies may impact your experience on the Site and limit some of the functionality.

For more information on how to manage cookies in various browsers, visit these links:
- Google Chrome: https://support.google.com/chrome/answer/95647?hl=en
- Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
- Microsoft Edge: https://support.microsoft.com/en-us/microsoft-edge/delete-and-manage-cookies
- Safari: https://support.apple.com/en-us/HT201265

Third-Party Cookies
We may use third-party services, such as analytics providers, which also set cookies on our Site. These third parties may use cookies to gather information about your browsing behaviour and deliver targeted content. We do not control the use of these cookies, and you should review their respective privacy policies for more information.

Google Analytics 4
Use of Google Analytics 4
We use Google Analytics 4 (GA4) on this website to collect data about how users interact with our site. Google Analytics 4 is a web analytics service provided by Google that helps us analyze user activity and improve the performance and user experience of our website.

GA4 uses first-party cookies to track user interactions and gather data such as:
- The number of visitors to our website
- The pages visited and the time spent on each page
- User demographic data (such as age, location, and interests)
- User interactions (such as clicks, scrolls, and engagement with content)
- The devices and browsers used to access our website

How Google Analytics 4 Cookies Work
The cookies used by Google Analytics 4 are typically:
_ga: This cookie is used to distinguish users and has a retention period of 2 years.
_gid: This cookie is used to distinguish users and expires after 24 hours.
_gat: This cookie is used to throttle request rates and expires after 1 minute.
gac: This cookie is used to store campaign-related information and is retained for 90 days.

The data collected via Google Analytics is anonymized and does not include personally identifiable information. However, Google may process and use this data in accordance with its own privacy policy. We do not share personally identifiable information with Google Analytics.

How to Opt-Out of Google Analytics 4 Tracking
If you prefer not to have your data collected by Google Analytics, you can opt-out by using the Google Analytics Opt-out Browser Add-on, which prevents Google Analytics from collecting data on your website visits.
Additionally, you can disable cookies in your browser settings, although this may affect the functionality of our website. You can adjust cookie preferences through our cookie consent banner or by changing your browser settings.

For more details on how Google collects and processes data, please refer to the Google Privacy Policy and the Google Analytics Terms of Service.

Other Cookies and Tracking Technologies
In addition to Google Analytics 4, we may use other cookies and tracking technologies to improve user experience, enable specific website features, and analyze performance. You can manage your cookie preferences by accepting or rejecting cookies via the cookie consent banner or by modifying your browser settings.
The consent banner on our website allows users to actively opt in or out of non-essential cookies before they are set. The banner specifies:

“This websites uses cookies. We use cookies to make the site work better, but also to see how you interact with it. We will only use cookies if you allow us to do so by clicking on "Accept Cookies".

Updates to this Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any updates will be posted on this page with the date of the most recent revision.

Privacy Officer
For enquiries regarding your privacy rights or concerns, please contact our Privacy Officer:

Paul Bannister
Taylor Money Ltd
Marina House,
North Parade,
Falmouth,
Cornwall
TR11 2TF

Tel: 01326 210131
Email: paul@taylormoney.com