Privacy Policy

During the course of dealing with Wealth Central, we may ask you to provide detailed personal information about your identity, circumstances, finances, family, objectives and, in some cases, your health or family health history. This information is referred to in this policy as your personal data.

This policy explains what personal data we may collect, why we use it, who we may share it with, how long we may keep it and the rights you have in relation to it.

Wealth Central is a trading name of Wealth Central Capital Ltd. In this Privacy Policy, “Wealth Central”, “we”, “us” and “our” refer to Wealth Central Capital Ltd unless stated otherwise.

Controller position

For personal data collected through the Wealth Central website, including website visits, general enquiries and initial enquiries, Wealth Central Capital Ltd acts as the data controller.

Where your enquiry leads to a financial advice relationship with Wealth Central, Wealthwise Corporate Financial Management Ltd may access relevant personal data in its role as Principal firm where required for regulated advice, Principal firm oversight, file review, compliance or complaint handling. Wealthwise does not routinely receive personal data from general website enquiries.

Personal data means information that identifies you or relates to you as an individual. It can identify you directly, such as your name, address, date of birth, contact details or National Insurance number. It can also identify you indirectly, such as information about your employment, financial position, family, health, objectives or existing financial arrangements.

The personal data we collect will depend on your relationship with us and the services you ask us to consider. It may include:

• title, name, date of birth, gender, nationality, marital or civil status and contact details
• addresses and documents needed to verify your identity
• employment, occupation, remuneration, benefits and employment history
• income, expenditure, bank account details, tax information, assets, liabilities, loans and credit commitments
• family circumstances, dependants, beneficiaries and people financially connected to you
• details of existing pensions, investments, insurance, protection arrangements and other financial products
• objectives, attitude to risk, capacity for loss, financial priorities and personal preferences
• health information, medical history, treatment details and prognosis where relevant to protection or insurance advice
• information about children or dependants where relevant to advice or protection arrangements
• information you provide through website enquiries, contact forms, opportunities forms, introducer relationship enquiries, succession enquiries or other communications
• records of advice, meetings, calls, emails, letters, recommendations, file reviews and services provided to you
• limited technical information associated with your visit to our website, such as IP address, browser type, device information, pages visited and security or server log data. This is collected in connection with website operation, security and hosting, and, where you use a website form, through the form verification tool used on this website.

Some information is more sensitive under data protection law. This may include health information, medical history, family health history and, in limited cases, other special category data. We may need this information where protection or insurance advice is being considered, such as life cover, critical illness cover or income protection.

We will only collect and use special category data where it is necessary and lawful to do so. Where required, we will ask for your explicit consent before using it. If you do not provide information that is necessary for advice or product enquiries, we may be unable to provide the service requested.

We collect personal data mainly from you. This may happen during meetings, telephone calls, video calls, written forms, fact finds, email, secure document exchange, website forms and other communications.

We may also receive personal data from third parties where relevant and lawful. This may include product providers, pension providers, investment platforms, insurers, professional advisers, employers, identity verification providers, public registers and other organisations involved in providing or administering services to you.

Where electronic identity checks or similar checks are used, we will explain the purpose and basis for those checks where required.

Where we use a verification tool to protect our website forms from automated or spam submissions, that tool may process limited technical information in connection with that function. Further details are in Section 16.

We may use different lawful bases depending on the purpose for which personal data is being processed. These may include:

• contract, where processing is necessary to provide or arrange services requested by you
• legal obligation, where processing is required by law or regulation
• legitimate interests, where processing is necessary for our business, compliance, service review, complaint handling or administration and your rights do not override those interests. For ordinary website enquiries, we rely on legitimate interests, where our legitimate interest is in responding to enquiries you have chosen to submit to us
• consent, where we ask for your permission to use personal data for a specific purpose
• explicit consent, where required for special category data such as health information
• regulatory and compliance obligations connected with Wealth Central's status as an Appointed Representative and Wealthwise's role as Principal firm

We may use your personal data to:

• respond to enquiries and provide information you have requested
• understand your circumstances, needs, objectives and priorities
• provide, administer and review independent financial advice and related services
• verify your identity and meet anti-money laundering requirements
• prepare recommendations and suitability reports
• submit information to pension providers, investment platforms, insurers, protection providers and other relevant providers
• arrange, administer and review pensions, investments, protection or other financial arrangements
• meet legal, regulatory, compliance, supervision and record keeping obligations
• support file reviews, monitoring, oversight and quality assurance
• handle complaints, queries and requests
• manage careers, opportunities, introducer relationship, succession, sale or acquisition enquiries
• send marketing communications where we are permitted to do so and where required consent has been obtained

If you complete a form on our website, we will use the information you provide to respond to your enquiry and manage the relevant relationship or request. This may include client enquiries, careers or opportunity enquiries, introducer relationship enquiries and succession, sale or acquisition conversations.

We use information submitted through an ordinary website enquiry to respond to that enquiry. We do not use website enquiry information for marketing purposes.

Where no financial advice relationship follows from a website enquiry, we would typically retain that information for 12 months from the date of last contact.

Please do not send sensitive financial documents through general website forms. If documents are required, we will explain the appropriate route.

Where you contact us about careers, current opportunities, introducer relationships, succession, sale or acquisition conversations, we will use the information you provide to consider and respond to your enquiry. This may include your identity, contact details, professional background, experience, interests and any information you choose to provide about yourself.

We do not intend to request CV uploads as the default route at launch. Candidates may instead be asked to introduce themselves in writing and explain why they would like to be considered by Wealth Central.

Where necessary and lawful, we may share personal data with:

• Wealthwise Corporate Financial Management Ltd in its role as Principal firm, where required for regulated advice, oversight, file review, compliance or complaint handling
• pension providers, investment platforms, investment providers, protection providers and insurers
• product providers and administrators involved in arranging or administering services
• compliance advisers, file reviewers, paraplanning, administration and professional support providers
• solicitors, accountants, estate planners, tax specialists or other professional advisers where relevant and authorised
• technology, hosting, email, identity verification, document storage and administration service providers
• regulators, ombudsman services, insurers, courts, law enforcement bodies or other authorities where required
• other parties where you have asked us to share information or where sharing is otherwise lawful and necessary

Sharing personal data with third parties does not give them permission to send marketing communications unless you have agreed to this or they have their own lawful basis to do so.

We do not currently expect the routine provision of our services to require personal data to be transferred outside the United Kingdom. If this changes, we will take appropriate steps to protect your personal data in accordance with data protection law.

We take reasonable steps to keep personal data secure and to protect it against unauthorised or unlawful access, loss, misuse, alteration or disclosure. Personal data will be stored securely in electronic and, where relevant, paper-based records used to provide and administer our services.

You should also take reasonable steps to protect your own privacy when sending information to us. This includes avoiding unprotected email for confidential information, using password protection or encryption for sensitive attachments where appropriate and using secure postage when sending original documents.

Where you submit an enquiry through our website and no financial advice relationship follows, we would typically retain that information for 12 months from the date of last contact.

For financial advice and client relationships, we may retain personal data for at least six years following the advice or service provided. We may retain information for longer where required to meet legal, regulatory, complaint handling, insurance or legitimate business obligations.

The exact retention period may depend on the type of service, the nature of the records and the regulatory or legal requirements that apply.

We may send you information about Wealth Central's services and other relevant communications where we are permitted to do so and, where required, where you have given your consent.

Marketing communications may be sent by email, telephone, SMS, WhatsApp or post, depending on the contact preferences you have provided to us.

You can ask us to stop sending marketing communications at any time or change your communication preferences by contacting us.

We will not sell your personal data to third parties for marketing purposes.

At launch, Wealth Central does not use analytics tools, marketing pixels or non-essential cookies.

Strictly necessary cookies or similar technologies may be used where required for website operation, security or requested functionality. We may also use security or form-verification technology to protect website forms from automated or abusive submissions.

Further details are available in the Cookie Policy at www.wealthcentral.co.uk/cookie-policy.

You have rights in relation to your personal data. Depending on the circumstances, these may include the right to:

• request access to personal data we hold about you
• ask us to correct inaccurate or incomplete personal data
• ask us to delete personal data in certain circumstances
• ask us to restrict or stop using personal data in certain circumstances
• object to certain processing
• ask us to transfer personal data to another organisation where applicable
• withdraw consent where processing is based on consent
• ask us to explain how we use personal data

Some rights are subject to legal and regulatory limits. If we are unable to deal with a request in the way you ask, we will explain why.

If you have any questions about this Privacy Policy, wish to exercise your rights or become aware of any unauthorised disclosure of personal data, please contact Wealth Central.

If you have concerns about how your personal data has been handled, please contact us first so that we can consider your concern.

You may also lodge a complaint with the UK data protection regulator, the Information Commissioner's Office. The ICO can be contacted through ico.org.uk or by writing to Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.