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Privacy Policy

Privacy Policy

GDPR: General Data Protection Regulation

We respect the trust you place in us when you share your information with us. We have made improvements to how we process the information we hold about you. The new EU General Data Protection Regulation (GDPR) will be coming into effect across all member states. As part of our preparations to comply with this law, Cash Pension has reviewed and updated our policy regarding data retention.

What’s the impact of GDPR?

For full information on the GDPR requirements please read the ICO guidelines. Below is the contact details and ICO website:

https://ico.org.uk
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113

 

This Privacy Policy page sets out your rights under the new laws.

Summary

Below is a summary of some key terms of this Privacy Policy. This summary is for your reference only and does not form part of the Privacy Policy.

  • We are committed to protecting your personal information when you use our Sites and we want you to be confident that your personal information is safe and secure with us.  This Privacy Policy explains the following:
    • how we collect your personal information;
    • what personal information we collect;
    • how we use your personal information;
    • who we share your personal information with; and
    • the rights and choices you have when it comes to your personal information.

Who are we?

Cash Pension is an introducer to several pension review services, based in Gloucester. Cash Pension 373 Holloway Road, London, N7 0RN
Our Telephone Number: 01512 680 235.

Contact our data protection team via our dedicated data protection email: dataprotectionhelp@cash-pension.co.uk

How the law protects you

Data protection laws state that we are only able to process personal data if we have valid reasons to do so. The basis for processing your personal data includes, but is not limited to, your consent, and to contact you for customer service purposes or/and to contact you once you have opted into our website form to receive a call from our pension review team regarding your pension.

How do we collect personal data from you?

We receive information about you from you when you use our website, complete forms on our website, if you contact us by phone, email, live-chat or otherwise in respect of any of our products and services. Additionally, we also collect information from you when you sign up, enter a competition, promotion or survey or when you inform us of any other matter.
Your personal data may be automatically collected when you use our services, including but not limited to, your IP address, device-specific information, device event information, location information.

How will we use the information about you?

We collect information about you in order to provide you with the services for which you engage us.

What type of data do we collect from you?

The personal data that we may collect from you includes your name, address, age, email address, phone numbers, pension information and IP addresses. We may also keep details of your visits to our site including, but not limited to traffic data, location data, weblogs and other communication data. We also retain records of your queries and correspondence, in the event you contact us.

We merely process such data on your behalf, subject to our Terms and Conditions and you are responsible for any applicable legal requirements in respect of your content.

We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law stimulates.

Note that it is your responsibility to check and ensure that all information, content, material or data you provide on the Sites is correct, complete, accurate and not misleading and that you disclose all relevant facts.

If you have any concerns about your data when you visit our website please contact our data protection team us the details listed below:

Cash Pension

373 Holloway Road,

London,

N7 0RN

Our Telephone Number: 01512 680 235.

Our dedicated data protection email:  dataprotectionhelp@cash-pension.co.uk

How do we use your data?

We use information about you in the following ways:

To process your pension review that you have submitted to us via phoning us, submitting an online inquiry, emailing us or writing to us;
To provide you with pension review services;
To help us identify you and any previous inquiries with us
To enable us to review, develop and improve the website and services
To provide customer care, including responding to your requests if you contact us with a query
To detect fraud and to make sure what you have told us is correct;
To cross reference against any duplicates or to cross reference to check if you have already contacted us in the past or made a previous inquiry to us
To notify you about changes to our website and pension review services
To provide you with information about products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes; and to inform you of service changes.

Who might we share your information with?

We never sell or market any other products other than just the pension review that you have opted into via our website, contact form, email or phone number.

We won’t share your information for marketing purposes with companies outside of Cash Pension.

In order to deliver our services to you effectively we may send your details to third parties such as those that we engage for professional pension review services or IFA providers that we use to arrange pension reviews for you.

Where third parties are involved in processing your data we’ll have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions.

Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your personal data in transit

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

 

Retention periods

We will keep your personal data for the duration. We shall retain your data only for as long as necessary in accordance with applicable laws. We mainly keep your data because as a pension review business we attract repeat and duplicate customers. We may check your data against our secure database to ensure that you are not already a customer or have contacted us previously.
We may also keep it for research or statistical purposes. We assure you that your personal data shall only be used for these purposes stated herein.

Who has access to your personal data?

When you opt in to our website to receive a call or further information about your pension then the only person or persons who will have access to your personal data will be the pension review expert. Your data is sent to our trusted network of pension review, IFAs or pension consultants

Your rights

In preventing the use or processing of your personal data, it may delay or prevent us from helping you with your pension review application or providing you with pension review help. It may also mean that we shall be unable to provide our services or process the cancellation of your service.

You have the right to object to our use of your personal data, or ask us to delete, remove or stop using it if there is no need for us to keep it. This is known as your right to be forgotten. There are legal and accountancy reasons why we will need to keep your data, but please do inform us if you think we are retaining or using your personal data incorrectly.

Our Privacy Notice shall be made clear to you at the point of collection of your personal data.

You can contact us to view, edit or delete your personal data through you submitted via our Cash Pension’ website. You can also make choices about Cash Pension’ collection of your data and how we use it.

You have the right to ask us not to process your personal data for marketing purposes. If you choose not to receive marketing communications from us about our products and services, you will have the choice not to choose these by ticking the relevant boxes situated on the pages at the sign up stage.

We will not contact you for marketing purposes unless you have given us your prior consent. You can change your marketing preferences at any time by simply contacting us.

Accessing and updating your data

You can access your personal data by simply contacting us via email or phone us on: 01512 680 235

You have the right to access the information we hold about you. Please email your requests to privacyinformation@Cash Pension.co.uk – so that we can obtain this information for you.

You have certain rights under existing data protection legislation including the right to request a copy of the personal information we hold about you, if you request it from us in writing.

From May 2018 you will have the following rights:

(i) Right to access: the right to request copies of your personal information from us;

(ii) Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete;

(iii) Right to erase: the right to request that we delete or remove your personal information from our systems;

(iv) Right to restrict our use of your information: the right to ‘block’ us from using your personal information or limit the way in which we can use it;

(v) Right to data portability: the right to request that we move, copy or transfer your personal information;

(vi) Right to object: the right to object to our use of your personal information including where we use it for our legitimate interests or where we use your personal information to carry out profiling to inform our market research and customer demographics

(vii) Right to be informed:  You have a right to receive clear and easy to understand information on what personal information we have, why and who we share it with – we do this in our Privacy Policy and privacy notices.

 

To make enquiries, exercise any of your rights set out in this Privacy Policy and/or make a complaint please contact our Complaints Team at complaints@cash-pension.co.uk

If you are not satisfied with the way any complaint you make in relation to your personal information is handled by us then you may be able to refer your complaint to the relevant data protection regulator which in the UK is the Information Commissioner’s Office.

This Privacy Policy shall be governed and construed in all respects in accordance with the laws of England and Wales.

Use of Cookies

Our website uses cookies to better the users experience while visiting. Cookies are small files saved to the user’s computers’ hard drive that track, save and store information about the user’s interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.

Users are advised that if they wish to deny the use and saving of cookies from our website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors.

Our website uses tracking software to monitor its visitors to better understand how they use it. This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computers’ hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information. You can read Google’s privacy policy here for further information (http://www.google.com/privacy.html ).

Other cookies may be stored to your computers hard drive by external vendors when our website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.

For further information about cookies please visit http://www.allaboutcookies.org/

Links to other sites

Cash Pension may provide links to third party sites. Since we do not control those websites, we encourage you to review the privacy policies of these third-party sites. Any information that is supplied on these sites will not be within our control and we cannot be responsible for the privacy policies and practices of these.

Where we store your personal data

We follow accepted ISO standards to store and protect the personal data we collect, including the use of encryption if appropriate. All information you provide to us is stored on our secured servers.

All data is stored in the UK.

As the transmission of information via the internet is not completely secure, we cannot guarantee the security of your data transmitted to our site and any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
Any sensitive data (payment details for example) are encrypted and protected.

Liability

We agree to take reasonable measures to protect your data in accordance with applicable laws and in accordance with our General Terms and Conditions: http://www.cash-pension.co.uk/terms-conditions/

Data Breaches

In the event of a data breach, we shall ensure that our obligations under applicable data protection laws are complied with where necessary.

Contact us

Please e-mail any questions or comments you have about privacy to us at privacynotice@Cash Pension.com

Your right to make a complaint

You have the right to make a complaint about how we process your personal data to the Information Commissioner:

https://ico.org.uk/concerns/
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Tel: 0303 123 1113

Over 55 pension release only

Attempting to release funds from your pension before the age of 55 (or 50 in some cases) is called pension liberation and are not in the business of breaking the law, however there may be ways of making yourself some extra cash using your pension fund without actually releasing it. We’d be more than happy to discuss any options with you, just fill in a few details on the form and we’ll get the ball rolling for you!

This site is for the use of UK residents only. Information provided for general purposes only. In accordance with the Financial Services and Markets Act 2000, does not provide any financial or pension advice of any kind. is not regulated by the Financial Conduct Authority. is an introducer to several company products and services. 25% tax free lump sum is only available to those aged 55 and over. Pension release is not a loan and as such there are no repayments or annual interest charges. Taking pension cash early will almost certainly reduce your pension income at retirement date, and is only suitable for a limited number of people. Investment values can go down as well as up. Past performance is no indication of future performance. We advise you seek independent financial advice before making any decisions that affect your financial future.

Please note: Taking any sum of money from your pension early will reduce your overall pension income at retirement age, and should not be used as an easy way to raise extra cash. This option is not suitable to everyone and should only be taken after suitable consideration.
Any cash commission payment received, under the HMRC rules, should be paid back into your pension scheme.

Selling Information To 3rd parties – We DO NOT sell your information to no 3rd party companies, marketing agencies or anybody else!

We DO NOT sell your information or data to any 3rd party companies. The only contact will be via us and our pension review expert.
1.General Disclaimer. The only person who your data is shared with is our trusted network of pension review experts, IFAs and pension consultants

The information provided on our website are for informational purposes only and should not be construed as legal advice. The purpose of our website is to provide individuals with access to experts within the pension industry.

Data Protection

The information provided by you will be retained on computer for reference purposes and will be held in accordance with the Data Protection Act 1998. The information may also be used by to provide you with the details of products suitable to your requirements. Your information will not be passed or sold to anyone else

Our website

Our website (Cash-Pension.co.uk.com) takes a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience. Our website complies to all UK national laws and requirements for user privacy.

The information provided on our website is not in any way an invitation or recommendation to buy any products or services featured and you should seek appropriate independent advice.

will endeavour to allow uninterrupted access to the website, but access may be suspended, restricted or terminated at any time.

assumes no responsibility for the contents of any other websites to which the website have links.

Copyright notice

This website and its content is copyright of – © www.Cash-Pension.co.uk.com 2016. All rights reserved.

The copyright in the material contained in our website, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to or the providers of such information. All rights are reserved. None of this material may be reproduced or redistributed without our written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.

Exclusions of liability

uses reasonable endeavours to ensure that the data on the website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. does not monitor, verify or endorse information submitted by third parties for posting on the website and you should be aware that such information may be inaccurate, incomplete or out of date. To the extent permitted by applicable law, disclaims all warranties and representations (whether express or implied) as to the accuracy of any information contained on the website. does not guarantee that the websites will be fault free and neither will accept liability for any errors or omissions.

Due to the nature of electronic transmission of data over the internet, and the number of users by whom data is posted on to the website, any liability may have for any losses or claims arising from an inability to access the website, or from any use of the website or reliance on the data transmitted using the website, is excluded to the fullest extent permissible by law. In no event shall be liable for any loss of profit, revenues, goodwill, opportunity, business, anticipated savings or other indirect or consequential loss of any kind in contract, tort (including negligence) or otherwise arising out of use of the Websites, save where such liability cannot be excluded by law.

does not give any warranty that the Websites are free from viruses or anything else which may have a harmful effect on any technology.

Contact & Communication

Users contacting via this website do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use, as detailed in the Data Protection Act 1998. Your personal information is important to us. We will endeavour to take all due care to protect this information. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.

Our website uses any information submitted, to provide you with further information about the pension services we offer or to assist you in answering any questions or queries you may have submitted. may also use it to tell you about changes in our services or about features thinks you’ll find interesting. You can inform not to deal with your personal information in these ways in the future by simply send an e-mail message to enquiries@Cash-Pension.co.uk.com

However, we do not sell your information or data to any 3rd party companies.

If you do not want to use your data in this way, please do not submit your details through our site, so you agree to the Terms of Use Privacy Statement. Alternatively, contact should be made via telephone.

Correcting/Updating Personal Information

If a user’s personally identifiable information changes (such as your postcode), or if a user no longer desires our service, we will endeavour to provide a way to correct, update or remove that user’s personal data provided to us.

External Links

Although our website only looks to include quality, safe and relevant external links, users are advised adopt a policy of caution before clicking any external web links mentioned throughout our website. (External links are clickable text / banner / image links to other websites.

We cannot guarantee or verify the contents of any externally linked website despite best efforts. Users should therefore note they click on external links at their own risk and our website/owners cannot be held liable for any damages or implications caused by visiting any external links mentioned.

General

If any provision of these terms and conditions is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and the validity and enforceability of the remaining provisions of these terms and conditions shall not be affected.

may modify these terms and conditions at any time by publishing the modified terms and conditions on this Website. Any modifications shall take effect 3 days after posting on this Website.

Should you have any questions or concerns about our privacy policy, please contact us.

Cash Pension

373 Holloway Road

London

N7 0RN

Tel: 01512 680 235

Email: customer-service@cash-pension.co.uk