Privacy Policy

Customer Privacy

At Financial Planning Union/Positive Mortgages we respect your privacy and the confidentiality of your personal information.

Who are we?

Financial Planning Union/Positive Mortgages is

  • a trading style of Positive Solutions (Financial Services) Limited
  • an appointed representative of Positive Solutions (Financial Services) Limited

and are part of the Quilter Group of companies.

For further details on the companies in our group, please click here.

What data do we collect and why?

We collect personal information about you when you use our website, contact us about products and services, visit a financial adviser or carry out transactions with us. We collect information that is necessary for the provision of financial advice and administration of the products or services you are seeking, and for legal and regulatory purposes. We also collect and use your personal information where necessary to improve our services, our business processes, and to communicate with you. For the provision of advice we need to collect sensitive information, such as information about your health.  To do this, we will ask for your consent.

We will always keep your data safe and secure, and where we share your data with other businesses to fulfil the purposes above we make sure they follow our instructions and keep your data secure. We will never sell your data, and we will not send you communications about unrelated services without your consent.

Find out more

Our Privacy Notice, holds much more information about how we collect, use and share your personal information. There is also information about the rights you have over your personal data, and how to contact us if you have any questions. Please write to:

The Office of Data Protection,
Intrinsic Financial Services,
Wiltshire Court
Farnsby Street,
Swindon
SN1 5AH

Telephone: 0161 488 3559

 

 

General

We are committed to protecting your privacy. Our site does use cookies to track visitors for the purpose of improving the site. The Company does not sell, trade, or rent your personal information to others. In Summary we are committed to protecting your privacy. We use the information we collect on the site to enhance your overall experience. We do not sell, trade, or rent your personal information to others.

Children's Privacy Protection
We are sensitive to the need to protect the privacy of children under the age of 18. The vast majority of the material on our web site is not intended for children and is not targeted to children or those under the age of 18. We do not knowingly collect data from children and, if we learn that we have received personal data from a child, we will remove this information from our database.

Third Party Links
We provide links to other sites. Other Internet sites and services have separate privacy and data collection practices. Once you leave www.fpufinancialservices.co.uk, we cannot be held responsible and has no responsibility for, the privacy policies or data collection activities at another site.

Data Sharing
From time to time we may use agents or contractors who will have access to your personal information to perform services for us (such as database or newsletter maintenance), however, they are required by us to keep the information confidential and may not use it for any purpose other than to carry out the services for us. In addition, we may also share aggregate information about its customers and its web site visitors to advertisers, business partners, and other third parties. For example, we might share that our users are x percent PCs users and y percent Macintosh users. None of this information, however, will contain personal, identifying information about our users.

Cookies

What are Cookies?
Cookies are text files containing small amounts of information, often including a unique identifier, which are downloaded to your computer when you visit a website - if your browser preferences allow it. Cookies are then accessed by the originating website on each subsequent visit. Cookies are useful because they allow a website to recognise a user’s computer.

How are cookies used on our website?
The cookies we use are there to allow you to perform the services you require and to assist us in providing a better website for our users. We do not use cookies to store information that identifies you as an individual. Details on cookies used are provided below. We encourage you to accept the cookies we serve. However, if you wish to restrict or block the cookies which are set by our or any other website, you can do this through your browser settings. Please see the ‘How to control and delete cookies’ section for more information.

Google Analytics
We use Google Analytics cookies to hold information about your visit to our site. This helps us better identify the use and popularity of our services and how successfully the website is functioning. If you do not wish us to do this, you can opt out of the Analytics service by installing an add-on for your browser. This can be found at http://tools.google.com/dlpage/gaoptout. Alternatively you can delete/restrict the cookies as for any other cookie - see ‘How to control and delete cookies’ for more information.

Types of cookies
Session cookies are created temporarily when a user visits a website. Once the user leaves the site/closes the browser, the session cookie is deleted.  A persistent cookie file remains on the user’s computer and is re-activated when the user visits the website that created that particular cookie. These cookies expire after a certain period (set in the file), or can be removed manually.

Classification of cookies
The cookies on this website have additionally been categorised based on the categories found in the International Chamber of Commerce (ICC) UK Cookie Guide:

 

Category

Description

Strictly necessary cookies

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website.

Performance cookies

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identify a visitor. All information these cookies collect is aggregated and therefore anonymous.

Functionality cookies

These cookies allow the website to remember choices you make [such as your username, language or the region you are in] and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages you can customise. They may also be used to provide services you have asked for such as watching videos or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

Targeting/advertising cookies

These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of time you see an advertisement as well as help measure the effectiveness of the advertising campaign.

 

Cookies used on our website

Cookie Name

Cookie Description

Cookie Classification

Cookie Behaviour

PHPSESSID

This cookie is part of the scripting language that runs our site, and allows information to be passed between pages as you navigate through the site. For instance, should you use the online booking enquiry form, if you need to go back and correct any information on the form, this cookie helps by ensuring you don't have to type in all the information again. This cookie does not store any personally identifiable information and is deleted when you close your browser.

Strictly necessary cookie

Session cookie - disappears when the user closes the browser.

_utma

Google Analytics.
Used by Google Analytics to track user count of visits to a site, when a first visit was, and a last visit.

Performance cookie

Persistent cookie, lasts for 2 years

_utmb

Google Analytics.
Used by Google Analytics to track exactly when a user visits a site.

Performance cookie

Persistent cookie, lasts for 30 minutes

_utmc

Google Analytics. Used by Google Analytics to track exactly when a user leaves a site.

Performance cookie

Session cookie - disappears when the user closes the browser.

_utmz

Google Analytics.
Used by Google Analytics to track how a user got to this site (where from), what link was used, what part of the world.

Performance cookie

Persistent, lasts for 6 months.

_atuvc

AddThis cookies allow users to share content via Social Networking websites and email. The _atuvc cookie is created and read by the AddThis social sharing site JavaScript on the client side in order to make sure the user sees the updated count if they share a page and return to it before our share count cache is updated. No data from that cookie is sent back to AddThis and removing it when disabling cookies would cause unexpected behavior for users. See http://www.addthis.com/privacy for more information.

Performance cookie

Persistent cookie, lasts for 2 years

LiveHelpSession

This is stored by our Live Chat software and it will only be stored for the current browser session.  As soon as the browser is closed the cookie will be deleted from your visitor’s browser.  It just stores details regarding the Live Chat session and the visitor monitoring details.  The cookie is only created if you click on the Live Chat link and open it up.

Performance cookies

Session cookie - disappears when the user closes the browser.

CookieConfirmation

We ask a question about if you’re happy for us to use cookies on our site.  This cookie stores your answer to that question so that we don’t have to keep asking you it every time you visit.

Strictly necessary cookie

Persistent, lasts for 90 days.

 

How to control and delete cookies
You can manage cookie usage through your browser settings. The help function in your preferred browser should provide you with the correct information. Some browsers provide helpful cookie guides:

Alternatively, http://www.allaboutcookies.org provides advice on how to do this, and further information on cookies and how to manage them.


N.B. In the case of some mobile devices, it may be necessary to consult the device’s instruction manual to manage cookies effectively.

Need more information?
If you have any questions or comments about our cookie policy, please contact us by emailing info@fpufinancialservices.co.uk.

 

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

 

DISCLAIMER

The information and content contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Financial Planning Union is a Trading Style of Positive Solutions (Financial Services) Ltd.

James Irvine is not authorised to give financial planning advice but could refer any queries to a financial adviser within Positive Solutions (Financial Services) Limited.

Positive Solutions (Financial Services) Ltd is authorised and regulated by the Financial Conduct Authority.

Registered as a Limited Company in England and Wales No. 3276760. Positive Solutions, Riverside House, The Waterfront, Newcastle upon Tyne, NE15 8NY.

Tax Planning, Commercial & Agricultural Mortgages and Buy to let Mortgages are not regulated by the Financial Conduct Authority.