Our Privacy Policy

Flathead Valley, Montana

Your personal Data

Please note that there are no circumstances under which we will divulge your contact details to any other party without your express permission.

What we Need

Montgomery Charles will be known as the “Controller” of the personal data you provide to us.

In the conduct of business with you we will need to collect information about you which we will hold as data controllers under the General Data Protection Regulation (GDPR). We will use this information to ensure that our advice is suitable for your circumstances. Unless otherwise agreed, we will usually only collect basic personal data about you. If health, life insurance or enhanced annuity contracts are being applied for, we may request medical information including family medical history. This is known as “sensitive personal data”.

What we do with it

We will use this information to ensure that our advice is suitable for your circumstances. All the personal data we hold about you will be processed by our staff and selected third parties in the United Kingdom. It may also be disclosed to the Financial Conduct Authority (FCA), who regulate us and Financial Ombudsman Service (FOS) which is an independent arbitrator and wherever there is a legal obligation that we do so. Additionally, it may also be disclosed to our Compliance Consultants, Haven Risk Management Ltd, who help to ensure that, in your interests, we abide by the rules of the Financial Services and Markets Act, (FSMA) 2000 and any other regulations.

Please be aware that your information may be stored on a cloud-based systems whose services are located within the European Union as well as outside the European Union.

How long will we keep it?

The FCA requires us to keep records of our business transactions for specified periods and as long as it is in your interests that we do so. We will generally keep your personal data for no less than for the duration of our business relationship.

Your data will be updated and amended if necessary at the regular review meetings that you have with your financial adviser and/or if you specifically notify us of any changes to your personal details.

Keeping your information safe

Montgomery Charles takes security of your information extremely seriously and it is our responsibility to look after your personal data. We have a number of security measures in place to help prevent fraud and cybercrime.

If we become aware of a personal data breach, and is likely to be a potential high risk to our clients, partners or employees, we will be in contact immediately.

Our staff are regularly trained and educated in identifying potential data risks, fraud and security breaches. Cybercrime is constantly evolving and it is our policy to be vigilant and act upon any suspicious activity and report to the Action Fraud team where necessary.

Sharing your personal information

We may pass your information to other professional bodies, third party service providers, agents, and other associated organisations for the purposes of completing tasks and providing services to you on our behalf.

These third parties may include:

  • Software Providers, Accountants, Fund managers, insurers, insurance brokers, or credit brokers to enable us to obtain a quote for you or provide you with other related services.
  • Credit reference agencies and other companies for use in credit decisions and fraud prevention.

When we use third party service providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own direct marketing purposes-in progress.

Your Rights

Under the General Data Protection Regulation, you have various rights regarding the use of your personal data which are as follows:

  • The right to be informed – of any and all matters pertaining to your data.
  • The right of access – to any or all of your data at all times.
  • The right of rectification – of any mistakes or inaccuracies.
  • The right to erasure – of data we hold on you. Please note that this right is not absolute. If you wish for details of when the right to erasure does not apply, please contact our office.
  • The right to restrict the processing of your personal data – if for example you have contested its’ accuracy and while this is being verified by us.
  • The right to data portability – to have your data transferred to another firm.
  • The right to object – to any aspect of how we use or handle your data.
  • The right not to be subject to automated decision making
  • Our Lawful Basis for Processing your Personal Data

We intend to rely on you having given your consent to our processing your data, for one or more specific purposes. Should this be deemed not to be appropriate, then our basis will be that processing your data is necessary for the performance of a contract to which you are party (eg. arranging a policy or an investment).

How to complain about the use of your data

If you wish to raise a complaint about how we have handled your personal data, including in relation to any of the rights mentioned above, you can contact our office and we will investigate your concerns.

Montgomery Charles Financial Management Ltd


01225 777999

If you are not satisfied with our response, or believe we are processing your data unfairly or unlawfully, you can complain to the Information Commissioner’s Office (ICO). You can find further information about the ICO and their complaints procedure at the following link https://ico.org.uk/concerns