Our Data Protection and Privacy Policy

Protecting your personal information

As you may be aware, the UK is one of the most highly regulated financial centres in the world. This legislation has been enacted to safeguard the interests of consumers and other persons purchasing and being advised about investments, insurance and other financial products and in use of their personal data. Against this backdrop, we are required to make certain regulatory and statutory declarations to you.

This data protection and privacy policy explains how we use any personal information we collect about you when you use our services.

Under what circumstances do we collect information about you?

If instructed by you, we collect data during our initial and other meetings with you about you and your family. We will also be collecting data about you and your family from other persons. We collect the data through note-taking and filling in of questionnaires about your and your family’s circumstances.

We may make checks with credit rating agencies to authenticate and verify your identity and credit status. We also make checks with Institutions with whom you have policies of insurance and investments and with your mortgage provider.

These checks are to help us with our obligations at law and generally to ensure that we provide you with advice that suits your circumstances.
The scope and extent of the gathering of information from third parties depends on what type of service you are taking from us.

We may also collect information about you if you voluntarily complete customer surveys or provide feedback, for example. If and when we use our website to collect information about you the information may be collected using cookies.

How is your information used?

Primarily, we use your data and data about your family’s circumstances to provide advice to you and complete transactions on your behalf. We analyse and assess your data to maintain and develop our relationships with you.

Depending on the instructions we receive from you, we may pass your data to other professional advisers to enable us to provide advice most suited to your circumstances. Usually, this would be referrals to local accountants, solicitors, tax advisers and sometimes to specialist advisers in the financial and insurance industry where you may benefit from the expertise of such third parties.

We, and any third party specialist advisers to whom we introduce you, will, of course, pass your data to Institutions if you agree to purchase or amend policies and products as part of the sales and advice process.

We will retain your data according to the statutory requirements for regulated products. For instance, if you are given specialist pension advice, the data will be retained indefinitely. If you want details of the statutory retention periods for various product types please contact us and we will obtain the latest legal position on your behalf.

We may be required to share your data with our regulator, the FCA and other third parties including our auditors, compliance consultants, and fraud prevention agencies (including for tax and anti-money laundering purposes).

Your data is held in our offices in computer-based and paper-based filing systems.

Our products and services

We have a wide portfolio of financial (including mortgages) and insurance products available to us. We believe these are some of the best and most appropriate in the marketplace. We would also like to be able to contact you so that we can further advise you of developments of new products that might be suited to you.

We also might advise you of legal developments that might make it appropriate for us, or for third parties, to give you pro-active advice about the investments, insurance and other financial products of which we are aware.

We stress that your information would only be used in this way to help us to provide a pro-active service to you. As we all know, time is precious and none of us want to be bombarded with information that is simply not relevant or which we do not require.

Marketing and communications

There may be times when we feel that a service or product may be of interest to you. In order to make you aware of these services or products, we, insurers or third parties may wish to contact you by mail or telephone so that you can make informed choices about your finances.

If you do not wish us to send you communications by telephone or post please opt-out of that by ticking the second box at the end of this notice and returning it to us. We will ensure that we do not send postal communications to you.

You might want us to contact you by SMS message, email, fax or other digital methods to give you further details so that you can make an informed choice. If you want to do that, by law, we have to get your consent to send e-communications to you and therefore you need to opt-in to that service by ticking the first box at the end of this notice and sending it to us. We will, as required by law, allow you to unsubscribe from any service provided through e-communications at any time.

Your right to a copy of your personal data

Under the Data Protection Act you have a right, upon payment of a fee, currently £10, to obtain a copy of the personal information that we hold about you. If you believe that any information held is incorrect or incomplete, you should contact the Data Protection Officer at our usual address. Any information that is found to be incorrect or incomplete will be amended promptly.

We confirm that we are at all times committed to making sure that, as you are a customer of a company authorised directly by the FCA, you receive the best service and products available in the marketplace.

Your home may be repossessed if you do not keep up repayments on your mortgage. There will usually be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £750.


Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information.

This information is used to track visitor use of the website and to compile statistical reports on website activity. For further information visit www.aboutcookies.org or www.allaboutcookies.org. You can set your browser not to accept cookies and the above websites tell you how to remove cookies from your browser.

However, in a few cases some of our website features may not function as a result.

Changes to our privacy policy

We keep our privacy policy under regular review and we will place any updates on this web page. This privacy policy was last updated on 03 January 2018.

How to contact us

Please contact us if you have any questions about our data protection and privacy policy or information we hold about you:

By email…

By post…
Data Protection Officer
Thomas Heald Ltd.
11 Napier Court, Gander Lane
Barlborough Links
S43 4PZ

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© 2017 Thomas Heald Limited. All rights reserved. Thomas Heald Solutions Limited (FCA No.528610) are entered on the FCA Register at https://register.fca.org.uk/. Registered in England No: 06622318. Registered Address: 6 Feast Field, Horsforth, Leeds, West Yorkshire, LS18 4TJ. Chesterfield Branch Address: 11 Napier Court, Gander Lane, Barlborough Links, Chesterfield, Derbyshire, S43 4PZ.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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