Who we are
This privacy policy applies to Pension2027.co.uk, operated by [YOUR NAME / BUSINESS NAME], [YOUR ADDRESS].
We can be contacted at hello@pension2027.co.uk
We are registered with the Information Commissioner’s Office (ICO). Our ICO registration number is [YOUR ICO NUMBER — obtain before launch at ico.org.uk].
What information we collect
Information you give us directly:
When you subscribe to our newsletter, we collect your email address. We use this to send you The 2027 Brief newsletter and occasional updates about the pension inheritance tax change.
When you request a referral to a financial adviser, we collect your name and email address, and the results you have generated using our calculator, in order to pass these to a regulated IFA who may contact you.
Information collected automatically:
When you visit our site, we collect standard analytics data through Google Analytics, including pages visited, time spent on the site, and the device and browser you are using. This data is aggregated and anonymised — we cannot identify individual visitors from analytics data alone.
We also use cookies. See our Cookie Policy for details.
Information from the calculator:
The numbers you enter into our pension IHT calculator are processed entirely within your browser. These figures are not transmitted to our servers, stored, or associated with your identity unless you choose to submit your email address after receiving your results. If you submit your email, the results at that point are stored alongside your email address so that we can send you a personalised summary.
How we use your information
Newsletter subscribers: We use your email address to send you The 2027 Brief newsletter, typically once per week. We may also send you occasional updates when significant developments occur (such as HMRC publishing new guidance). Every email contains an unsubscribe link. We do not sell your email address to third parties.
IFA referral requests: When you request a referral to a financial adviser, we share your name, email address, and a summary of your calculator results with our IFA partner(s) so that they can contact you for an initial conversation. Our IFA partners are regulated by the Financial Conduct Authority (FCA). We receive a referral fee from the IFA if you proceed with a consultation. This does not affect the cost to you.
We will tell you clearly when we are sharing your information with an IFA, and we will only do so with your explicit consent.
Analytics: We use anonymised analytics data to understand how people use our site and improve the content and tools we provide.
Legal basis for processing
Under UK GDPR, we process your personal data on the following bases:
— Consent: For newsletter subscriptions and IFA referrals. You can withdraw consent at any time. — Legitimate interests: For anonymised analytics to improve our service.
Who we share your data with
We share your data with the following third parties:
Email platform: We use Mailchimp to manage our newsletter list and send emails. Your email address is stored on their servers. Their privacy policy is available at [provider’s privacy policy URL].
Analytics: We use Google Analytics to collect anonymised usage data. Google’s privacy policy is available at policies.google.com/privacy.
IFA partners: When you request a referral, we share your contact details and calculator results with our regulated IFA partners. We will always tell you who we are sharing your data with before doing so.
We do not sell your personal data to any third party. We do not share your data with any party other than those listed above.
How long we keep your data
Newsletter subscribers: We keep your email address for as long as you remain subscribed. If you unsubscribe, we will retain your email address on a suppression list to ensure we do not contact you again.
IFA referral data: We retain records of referrals made for up to 3 years for compliance and record-keeping purposes.
Calculator submissions: If you submit your email with your calculator results, we retain this data for 12 months. If you do not submit your email, no data is retained.
Cookies
We use the following cookies:
- Essential cookies: Required for the website to function. Cannot be disabled.
- Analytics cookies (Google Analytics): Collect anonymised data about how visitors use our site. These are only set with your consent.
You can manage your cookie preferences at any time using the cookie settings banner on our site.
Your rights
Under UK GDPR, you have the following rights:
- Right of access: You can request a copy of the personal data we hold about you.
- Right to rectification: You can ask us to correct inaccurate data.
- Right to erasure: You can ask us to delete your personal data.
- Right to restrict processing: You can ask us to stop using your data in certain ways.
- Right to data portability: You can ask us to provide your data in a machine-readable format.
- Right to object: You can object to us processing your data on the basis of legitimate interests.
- Right to withdraw consent: You can withdraw your consent at any time (e.g. by unsubscribing from our newsletter).
To exercise any of these rights, please contact us at hello@pension2027.co.uk. We will respond within 30 days.
If you are not satisfied with how we handle your data, you have the right to lodge a complaint with the Information Commissioner’s Office at ico.org.uk.
Security
We take reasonable steps to protect your personal data from loss, misuse, and unauthorised access. Our website uses HTTPS encryption. Access to personal data is restricted to authorised personnel only.
Changes to this policy
We may update this privacy policy from time to time. We will notify newsletter subscribers of any material changes. The date at the top of this page shows when it was last updated.
Contact us
For any questions about this privacy policy or how we handle your data:
Email: hello@pension2027.co.uk Post: [YOUR ADDRESS] ICO registration: [YOUR ICO NUMBER]