1. Introduction
ROAM Financial Advisory Partners ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website roam-fap.com or use our financial advisory services.
We are registered and regulated by the Financial Conduct Authority (FCA) and comply with all applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
2. Information We Collect
2.1 Personal Information
We may collect the following personal information:
- Name and contact information (address, phone number, email)
- Date of birth and age
- Financial information (income, assets, liabilities, investment objectives)
- Employment information
- Family circumstances
- Risk tolerance and investment preferences
- Bank account and payment details
- Documentation for identity verification
2.2 Technical Information
When you visit our website, we automatically collect:
- IP address and browser information
- Pages visited and time spent on our website
- Referring website information
- Device type and operating system
- Cookies and similar tracking technologies
3. How We Use Your Information
We use your personal information for the following purposes:
- Providing financial advisory services and recommendations
- Conducting fact-finding and suitability assessments
- Processing applications and transactions
- Maintaining client records and files
- Communicating about your investments and policies
- Sending newsletters and marketing communications (with consent)
- Complying with regulatory requirements
- Preventing fraud and ensuring security
- Improving our services and website functionality
4. Legal Basis for Processing
We process your personal data based on the following legal grounds:
- Contract: Processing is necessary to perform our advisory services
- Legal Obligation: Compliance with FCA regulations and anti-money laundering requirements
- Legitimate Interest: Fraud prevention, security, and service improvement
- Consent: Marketing communications and non-essential cookies
5. Information Sharing and Disclosure
We may share your information with:
- Product providers (insurance companies, investment platforms) to process applications
- Regulatory bodies (FCA, HMRC) as required by law
- Professional service providers (lawyers, accountants) acting on our behalf
- Technology service providers under strict confidentiality agreements
- Credit reference agencies for identity verification
We will never sell your personal information to third parties for marketing purposes.
6. Data Retention
We retain your personal information for as long as necessary to:
- Provide ongoing advisory services
- Meet regulatory record-keeping requirements (typically 7 years after relationship ends)
- Handle any complaints or legal claims
- Comply with tax and financial reporting obligations
7. Your Rights
Under UK data protection law, you have the following rights:
- Access: Request copies of your personal data
- Rectification: Request correction of inaccurate information
- Erasure: Request deletion of your data (subject to legal requirements)
- Restriction: Request limitation of processing
- Portability: Receive your data in a structured format
- Objection: Object to processing for direct marketing
- Withdraw Consent: Withdraw consent for processing where applicable
To exercise these rights, contact us at [email protected] or +44 1223 579500.
8. Security Measures
We implement appropriate technical and organizational security measures to protect your personal information:
- Encryption of sensitive data in transit and at rest
- Access controls and authentication procedures
- Regular security assessments and updates
- Staff training on data protection requirements
- Secure disposal of confidential information
9. Cookies and Tracking
Our website uses cookies and similar technologies. Please refer to our Cookie Policy for detailed information about the cookies we use and how to manage your preferences.
10. International Transfers
Some of our service providers may process data outside the UK. When this occurs, we ensure appropriate safeguards are in place, such as:
- Adequacy decisions by the UK government
- Standard contractual clauses
- Binding corporate rules
11. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website with a new "last updated" date.
12. Contact Information
If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:
If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at www.ico.org.uk.