Website: pwssp.co.uk
Effective Date: 1st November 2025

1. Introduction

PWS Financial Consulting (“we”, “us”, “our”) is committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, store and safeguard your information when you visit our website pwssp.co.uk, contact us, or use our financial advice and consultancy services.

We comply with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and all relevant FCA regulatory requirements.

2. Who We Are

PWS Financial Consulting, Southport
Website: pwssp.co.uk
Email: info@pwssp.co.uk
Telephone: 01704 827403

For UK GDPR, PWS Financial Consulting is the Data Controller. This means we determine the purposes and means of processing your personal data.

3. Website Management — MIFH Limited

Our website (pwssp.co.uk) is managed on our behalf by MIFH Limited, which provides technical administration, hosting, and website support services. As part of these responsibilities, MIFH Limited may process limited technical data, including:

• IP addresses

• Browser and device information

• Website traffic data

• Security logs and firewall data

• Cookie-related information

MIFH Limited does not process or access any client financial information or advice-related documentation submitted to us directly.

Where MIFH Limited processes data for website operations, it acts as a Data Processor under the authority and instruction of PWS Financial Consulting. A UK GDPR-compliant data processing agreement is in place to ensure that appropriate technical and organisational measures are maintained.

4. What Personal Data We Collect

Information You Provide Directly

We may collect:

• Name and contact details

• Address and date of birth

• Email and telephone information

• Employment and income information

• Financial details for advice purposes

• Identification documents (ID, bank statements, pension valuations, etc.)

• Information relevant to your financial objectives

Sensitive (Special Category) Data

Where necessary for advice (e.g., insurance underwriting or vulnerability assessment), we may collect:

• Health and medical information

• Lifestyle information

We only process this data with your explicit consent.

Automatically Collected Website Data

Through our website and analytics tools, we may collect:

• IP address

• Device and browser type

• Pages viewed and navigation patterns

• Cookie and tracking data

This includes data handled via our website manager, MIFH Limited.

5. How We Use Your Personal Data

We may process your data for the following purposes:

• Providing financial planning and consultancy services

• Preparing financial advice and recommendations

• Responding to enquiries or requests

• Meeting legal and regulatory obligations (e.g., FCA, AML checks)

• Managing client records and communications

• Improving our website functionality and security

• Sending updates or marketing (only with your consent)

6. Lawful Basis for Processing

We rely on one or more of the following lawful bases:

• Contract – to provide the financial services you request

• Legal obligation – compliance with FCA rules, AML legislation

• Legitimate interests – improving services, responding to enquiries

• Consent – for marketing and special category data

You may withdraw consent at any time.

7. Sharing Your Personal Data

We may share data with:

• Product providers, insurers, and investment companies

• Compliance consultants and professional advisers

• MIFH Limited (website management only)

• IT system providers and secure cloud storage services

• Regulators and legal authorities, when required

• Accountants, solicitors, or other professionals (with your permission)

We do not sell or trade your personal data.

All third parties are required to maintain strong data protection standards.

8. International Transfers

If personal data is stored or processed outside the UK (for example, through cloud services), we ensure:

• Adequacy regulations apply, or

• Standard Contractual Clauses (SCCs) are in place, or

• Equivalent GDPR-compliant safeguards exist.

9. Data Retention

We retain your data only as long as necessary to:

• Provide advice and services.

• Comply with FCA regulations.

• Meet Anti-Money Laundering requirements.

• Maintain appropriate financial services records.

Typically, this is a minimum of 6 years, but it may be longer depending on regulatory obligations.

10. Your Data Protection Rights

Under UK GDPR, you have the right to:

• Access your data

• Request correction of inaccurate information

• Request deletion (where legally allowed)

• Restrict processing

• Object to certain types of processing

• Data portability

• Withdraw consent

• Complain with the Information Commissioner’s Office (ICO)

ICO website: https://ico.org.uk

11. Cookies and Tracking Technology

Our website uses cookies to enhance user experience and gather analytics.
You can control or disable cookies through your browser settings.

A separate Cookie Policy is available on request.

12. How We Protect Your Data

We use appropriate technical and organisational measures, including:

• Encrypted communication

• Secure servers and firewalls

• Access controls and authentication

• Regular security audits

• Staff training on data protection

Despite best efforts, no system can be 100% secure.

13. External Links

Our website may contain links to third-party websites.
We are not responsible for the content or privacy practices of these external sites.

14. Updates to This Privacy Policy

We may update this Policy periodically.
The latest version will always be available on pwssp.co.uk.

15. Contact Us

For questions, concerns, or data requests, contact:

PWS Financial Consulting, Southport
Website: pwssp.co.uk
Email: info@pwssp.co.uk
Telephone: 01704 827403