Privacy policy

Who We Are

Fintel Technology Limited of Fintel House St Andrews Road, West Yorkshire, England HD1 6NA ("we", "us", "our") is subject to data protection legislation in the UK. We are committed to protecting your privacy and maintaining the security of any personal information that we receive from you. If our privacy policy changes, we will place an updated version on our website.

The Purpose of This Policy

The purpose of this policy is to explain to you what personal information we collect and how we and our associated companies may use it. Companies are associated with us if they are our subsidiaries or we are both subsidiaries of the same corporate entity. We are the controller of any personal information which you provide to us which means that we decide the purposes and means of the processing of that personal information.

How We Obtain and Store Your Information

We obtain your information through applications, emails, letters, telephone calls, SMS messages, cookies and conversations when registering for our services and during the course of our relationship (including information gained when you use our learning tools, demo accounts and trading simulators). We may monitor or record phone calls with you and monitor (and maintain a record of) all emails and electronic communications sent by or to us. We follow strict security procedures in the storage and disclosure of information that you have given us to prevent unauthorized access.

What Types of Personal Information We Process

We may process the following types of personal information:

• Name
• Contact details including email and phone numbers
• Age or date of birth
• Gender
• Occupation
• Income
• Trading knowledge and experience
• User names and passwords
• Information relating to your account including history, activity, and orders
• IP address
• National insurance number or other MiFIR national identifier
• FCA approved reference number
• Transaction reporting reference
• Power of attorney / agent details
• Phone device type
• Operating system
• Device ID
• Cookie ID
• Google 360 ID
• GUID
• Information about your use of our services, products, and facilities
• Sort Code
• Passport Number
• Marital Status
• Additional information to determine if you are potentially a vulnerable client

How We Check Your Identity

To comply with money laundering regulations we need to confirm the name and address of our customers and certain third parties. We may ask you to provide physical forms of identity verification when you open your account. Alternatively, we may use a credit reference agency to verify your identity. Our search is not seen or used by lenders to assess your ability to obtain credit.

Using Your Personal Information

As well as checking your identity, the personal information we hold may be used for:

• Considering any of your applications
• Carrying out risk assessments
• Complying with our legal and regulatory obligations
• Performing our obligations under any contract we have with you
• Administering our relationship with you including resolving queries or issues
• Establishing and managing your account
• Reviewing your ongoing needs
• Providing you with the information, products, and services that you request from us
• Checking your instructions to us
• Investigating any complaint you may make
• Providing evidence in any dispute or anticipated dispute between you and us
• Recovering amounts payable
• Training our staff
• Enhancing our customer service and products
• Undertaking product development and analysis
• Detecting or preventing fraud or other crimes
• Determining if you are potentially a vulnerable client

When you consent to direct marketing, we may send you marketing material from time to time by post, email, telephone, SMS, or other electronic messaging services. We also use technology to make decisions automatically or to build profiles about you. If you think our technology has got it wrong, you can request human intervention.

When We May Share Your Information

We may share your personal information with:

• The FCA and other regulatory or tax authorities
• Third parties to prevent crime, e.g., the police
• Associated companies
• Third-party service providers and advisers
• Introducing brokers and commercial partners
• Professional advisers and auditors
• Agents, including credit reference agencies
• Courts, tribunals, regulatory or tax authorities, and government agencies
• Purchasers or potential purchasers of our businesses or product/service lines
• Our trade repository

We generally require organizations with whom we share your personal information to respect your privacy and comply with data protection principles.

Information We Obtain Indirectly

In some cases, we are provided with your name and contact details by introducing brokers. We also gather information about your online behavior to optimize our website and tailor advertising and communications. Our website uses cookies to enhance site performance. Please see our cookie policy for more details.

The Legal Basis for Processing Your Information

We process your personal information based on various legal bases including the necessity to perform a contract, comply with legal obligations, and our legitimate interests. If you have consented to direct marketing, we will use your personal information to provide you with relevant offers and information.

Using Companies to Process Your Information Outside the UK

Your personal information may be transferred and processed outside the UK. We will ensure that adequate protection is provided through approved methods or countries with adequate data protection levels.

How Long We Keep Your Information

We hold information while you are a customer and typically for seven years after you cease to be a customer. In some cases, we may retain information for longer to fulfill legal or regulatory requirements.

Governing Law

This privacy policy is governed by English law.

Your Privacy Rights

This section explains your rights in relation to your personal information, including access, correction, erasure, restriction of processing, data portability, objection to processing, and rights in relation to automated decision-making and profiling. For more details on how to exercise these rights, please refer to the respective subsections below.

Accessing Your Information

You have the right to access personal information we hold about you. Requests must be made in writing and may require proof of identity. We will respond within one month, or let you know if more time is needed.

Correcting Your Information

You have the right to request the correction of inaccurate personal information. We will review and correct the records as needed and notify third parties where appropriate.

Erasing Your Information

You can request the erasure of your personal information in specific circumstances, such as when it's no longer necessary or if processing is unlawful. Note that some exceptions apply, and we may not be able to erase information if required for legal purposes.

Restricting Processing of Your Information

You have the right to request restriction of processing in certain situations, such as disputes about the accuracy of information or when processing is unlawful. We will inform relevant third parties of any restriction where feasible.

Taking Your Personal Information with You

The right to data portability applies to personal information you’ve provided when processing is based on consent or contract. We may refuse requests if the criteria are not met or if it involves multiple individuals.

Objecting to Processing

You can object to processing based on legitimate interests or for direct marketing purposes. Automated decisions that significantly affect you can also be contested, and human intervention can be requested.

Automated Decision Making and Profiling

You have the right not to be subject to automated decisions with significant effects. We use technology for some decisions but provide options for human intervention if you believe a decision was incorrect.