Jurisdiction for Use:

This site is intended for use only by those who can access it from within the UK.

Governing Law:

This site is governed by the laws of the country of the UK within which you reside and any dispute or action arising out of this site shall be determined in accordance with such laws.

Accuracy and Validity of Information:

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an "as is" basis and accordingly we do not accept any liability for any errors or omissions. If you are in any doubt as to the validity of information made available within these pages, we recommend you seek verification by contacting us.

Availability:

Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to suspend access to the website for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum. In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.

Website Privacy Policy:

Cutronas Financial Service takes the privacy of personal data seriously and the legal and compliant treatment of this data is at the core of our operations.

We therefore ask you to please read the following important information which explains how we collect, store and use your personal data.

Cutronas Financial Service is registered under the Data Protection Act (DPA) 1998. The General Data Protection Regulation (GDPR) has revised provisions of the DPA 1998, and as such our privacy policy has been amended accordingly. The GDPR is enforceable from 25th May 2018.

1. Who are we?

   Cutronas Financial Service is an independent financial adviser, offering independent financial advice to individuals, trustees and their businesses.

   Cutronas Financial Service (Company No.) 0798612 has its registered office at 56 Gidlow Lane, Wigan, Lancashire WN6 7DP - Registered in England and Wales

2. What do we mean by Personal Data?

   By personal data (or personal information), we mean information that relates to you and is used to identify you, either directly or in conjunction with other material we hold.

3. How do we collect information from you?

   We collect personal information about you as and when you consent to us doing so by signing our Data Consent forms, or by indicating consent on our online forms. We gather your consent in writing before entering into business relations with you.

4. What type of information do we collect?

   The information we collect may include your name, address, email address and phone number. Furthermore, information about your health, lifestyle and finances can be collected depending whether it is necessary for the advice we are providing.

   We may also ask for evidence of your identity, for example your passport, driving license, proof of residence or income.

5. Why do we collect information from you?

   We use your personal information for the following:

   • Provision of advice and services or to provide you with the information, products and services you have requested from us.
   • To comply with legislation in relation to anti money laundering regulations and the Financial Services Act.
   
   

6. How do we protect your personal information?

   Any personal information we collect, record, or use in any way, be it on computer, hard copy or in any other form, is secured through our safeguarding processes to ensure that we meet our obligations under the Data Protection Act 1998.

7. What are your rights surrounding your personal information?

   The GDPR enhances your rights surrounding your personal data. This includes:

   • The right to be informed – we will provide you with a copy of this privacy policy before seeking your consent to store/process your personal data.
   • The right of access – you have the right to request a copy of any personal information we hold on you. This will be provided in a structured format, free of charge, within 30 days of your request. Requests can be made in writing, by phone or by email, to any of our contact details provided: Mr Salvo Cutrona, CEO of Cutronas financial service at 33 Warminster grove Winstanley Wigan WN3 6JF - Mobile 07711 377373 [salvo@cutronasfs.co.uk]
   • The right to rectification – you have the right to request us to rectify any of your personal data which you believe is inaccurate or incomplete. We will respond within one month (this can be extended by two months where the request for rectification is complex). Requests can be made in writing, by phone or by email, to any of our contact details provided above.
   • The right to erasure – you have the right to request 'to be forgotten', i.e. for us to delete all records of your personal data. We will comply with your request, unless we have a legal obligation to continue to hold your personal data, in which case we will inform you of the reason we are unable to complete your request.
   • The right to restrict processing – you have the right to 'block' or suppress processing of personal data – in this case we will retain just enough information about you to ensure that the restriction is respected in future.
   • The right to data portability – you may request a copy of your personal data, in order to use it for your own purposes across different services, e.g. moving it from one IT environment to another in a safe and secure way. We will provide the data in a structured, commonly used and machine-readable form, e.g. CSV files. This will be provided free of charge and within one month (this can be extended by two months where the request is complex).
   • The right to object – you have the right to object to us processing your personal data for direct marketing purposes, and historical or statistical purposes, and we will respect this request as soon as we receive it (by post / email / phone, details of which are provided above).
   
   

8. Who do we share your personal information with?

   We will only share your personal data with third parties when it is necessary for the service you have asked us to provide, and we will have contracts/safeguards in place to ensure that they treat the privacy of your personal data with the same importance as we do. You will be advised of the specific third parties with whom we may share your data.

9. Updates to this Policy

   This Privacy Policy will be reviewed periodically and updated to comply with any new legislation – the most recent of which, the GDPR is currently being introduced and will be enforceable from 25th May 2018.

   This policy was last updated in March 2018.

Cookies:

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

Cutronas Fs Ltd uses cookies to make a link between you and the information you have provided to our website and therefore provide you with personalised content so that we can give you a better experience when you return.

Most web browsers automatically accept cookies, although you can choose not to. To ensure you get the best from our website, we advise that users keep cookies active on their machine whilst visiting our website. You can manually disable and enable cookies on your PC. The process will depend on your browser and is usually part of your 'Security Settings'.

• For further information about managing and disabling cookies, you can refer to your browser's help section or user guide. Alternatively, the Interactive Advertising Bureau has produced a series of web pages (see allaboutcookies.org) which explain to users how cookies work and can be managed.

3rd party Links:

Please be aware that our site may provide access to other web sites by linking to them. We are not responsible for the data policies (including data protection and cookies), content or security of these linked web sites.

Information Retention:

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at salvo@cutronasfs.co.uk. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Accessing Data:

You're welcome to ask us what information we have about you, any time you like. If you need us to send it to you, it will cost £10, which is the amount we are permitted to charge under the Information Commissioner's guidelines regarding Subject Access Requests – and which only covers the cost of our administration.

If you'd like us to send your information, you can write to our team at the address below enclosing a cheque for £10 made payable to [Cutronas Financial Service LTD ]. We will also require that you confirm your identity by sending us a copy of a suitable identity document such as a passport or driving license, plus proof of address.

Data Protection Officer; Salvo Cutrona, Cutronas Financial Service LTD 33 Warminster Grove, Winstanley, Wigan WN3 6JF.

If any of the details we hold about you are incorrect, please let us know and we'll amend them right away or if your personally identifiable information changes, or if you no longer desire our service, you may correct, update, amend, delete/remove or deactivate it by making the change by emailing salvo@cutronasfs.co.uk

Marketing:

We may contact you for example, with updates to your services.

We may also, subject to your consent, use your personal information to contact you with information about special offers and rewards. Please don’t worry; your details won't be shared with companies outside for marketing purposes without your consent.

Once you have given us the consent referred to above, from time to time we may contact you by mail, telephone, email, other electronic messaging services (such as text, voice, sound or image messages including using automated calling systems) or fax with information about our products and services.

If you're already receiving information from us then don’t worry, you don't need to do anything. We’ll assume that you're happy to continue receiving information unless we hear from you.

• In the unlikely event you no longer wish to receive such information from us, please let us know by emailing us at salvo@cutronasfs.co.uk

Security:

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. For example personal information sent to us is encrypted (scrambled) using Secure Socket Layer (SSL) technology. This is industry standard encryption technology that protects your data whilst being sent over the internet from being intercepted and misused by third parties. When it reaches us, we then store it on a secure server so that it can only be read by authorised personnel. However no method of transmission over the Internet or method of electronic storage is 100% secure, and while we take all reasonable precautions to protect your personal information, we cannot guarantee its absolute security.

We will not ask you for any account identification and/or authentication passwords or PIN numbers in an unsolicited phone call or unsolicited email, if you do receive unsolicited contact asking you for security information, please treat these with extreme caution. You are responsible for keeping your password and login details secure and you should not disclose them to anyone.

It is your responsibility to ensure that your computer is virus protected. Cutronas Financial Service LTD accepts no responsibility for any loss you may suffer as a result of accessing or downloading information from this site.

Notification of Changes:

We may update this policy from time to time as our information practices are modified or changed. If we make any material changes to this policy that affects your personal information, we will notify you by emailing the e-mail address specified in your account or by means of a notice on this Site prior to the change. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Details:

If you have any comments or queries concerning the website or believe any information on this site is inaccurate or have any suggestions on how the content of this site could be improved, please contact us using the most convenient contact details below:

Cutronas Financial Services LTD
33 Warminster Grove Winstanley Wigan WN3 6JF

01452 238 390
salvo@cutronasfs.co.uk