Crystal Advice Limited is committed to protecting your privacy. Crystal Advice Limited, provide the services and content available on www.crystal-advice.co.uk (together or individually referred to as “the site”) and are committed to protecting and respecting your privacy.
This policy (together with the terms of use and any other documents referred to in it) sets out the basis on which any personal data Crystal Advice Limited collects from Users, or that Users provide to Crystal Advice Limited, will be processed. Please read the following carefully to understand Crystal Advice Limited’s views and practices regarding your personal data and how it will be treated.
Crystal Advice Limited is responsible for the processing of the personal information you provide us and is registered with the ICO (Information Commissioners Office) in the UK under the General Data Protection Regulation. Our registration number is ZA215131.
In order to provide the highest level of service we will ask for certain personal information, this may be online or otherwise. When accessing our website, we may also collect information about the devices you are using or ask a third party to do so on our behalf. This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health, if this is necessary for the provision of our services.
We only collect information that is pertinent to the service we provide and will retain this information for only as long as is needed.
Information will be retained for legitimate business activities, statutory or legal obligations or for auditing and regulatory purposes. We may also collect information when you voluntarily complete client surveys or provide feedback to us.
Where required in line with the services we provide, we may pass your details on to third parties such as those that we engage for professional compliance, accountancy or legal services as well as product and platform providers that we use to arrange financial products for you. We do this on the understanding that they treat your information as confidential and only use it for the purpose for which it has been supplied. 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.
Your personal information will be held securely on our system throughout our relationship with you, using a variety of systems and controls to protect your data from being used or disclosed in any way it shouldn’t. This information will include data provided by you or others and may be provided in many ways including but not limited to:
• Information provided in applications, emails and letter, telephone calls and conversations held face to face. Also, information may be acquired from completing forms on our website, customer surveys, questionnaires, competitions and promotions and through use of our company website or during financial reviews.
• Details of User’s visits to the site including, but not limited to, the referrer page, the pages of the site accessed, traffic data, location data, web logs and other communication data, along with the time of these events.
• Information received from third parties such as credit reference agencies, mortgage lenders and insurance companies, social networking and comparison sites or fraud prevention agencies.
When making an enquiry with us we will ask you to provide some initial contact details. These may include your name, previous name, address history, date of birth, contact telephone number and email address.
If you advise us of a change to your personal information we will update the records on our database. It is however, your responsibility to provide any other party where you may have opened an account or policy.
If you apply for a product through Crystal Advice Limited, we may ask you for your bank details. Where a payment is required for costs such as valuations, we may ask for credit or debit card details. We commit to destroying this information as soon as any payment has been made. We do not retain details of debit or credit cards. Where possible we will arrange for any payments to be made direct to providers.
When providing information about a third party such as in a joint application you should ensure you have their permission. We will store their information as described in this privacy notice.
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we’d also be unable to fulfil our legal and regulatory obligations.
Where special category data is required, we’ll obtain your explicit consent in order to collect and process this information.
We may need to gather personal information about your close family members and dependants in order to provide our service to you effectively. In such cases it will be your responsibility to ensure that you have the consent of the people concerned to pass their information on to us. We’ll provide a copy of this privacy notice for them or, where appropriate, ask you to pass the privacy information to them.
During the course of our relationship with you we’ll retain personal data which is necessary to provide services to you. We’ll take all reasonable steps to keep your personal data up to date throughout our relationship.
We’re also subject to regulatory requirements to retain your data for specified minimum periods. These are, generally:
• Three years for mortgage business
• Three years for insurance business
These are minimum periods, during which we have a legal obligation to retain your records.
We reserve the right to retain data for longer where we believe it’s in our legitimate interests to do so. In any case, in most instances we will not keep your personal data for longer than 6 years after our relationship with you has ended. We do however reserve the right to retain your information for up to 15 years after our relationship has ended. You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.
Any data gathered via our website www.crystal-advice.co.uk is owned solely by Crystal Advice Limited and will only be utilised for the purposes described in this policy. All data is stored on servers in the UK.
When visiting our website or using our online service, certain data is collected automatically. This includes but is not limited to:
This information enables us to estimate audience size and usage patterns, recognise you when you return to the site and remember aspects of site subscription information and facilitate site enabled communication services. For further information visit http://www.allaboutcookies.org/
You can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser. However in a few cases some of our website features may not function as a result.
In order to maintain and improve our level of customer service we may monitor or record our phone calls with you. This is not only used for training purposes but also helps detect and prevent fraud.
Personal data received by Crystal Advice Limited may be used in a number of ways in order to continually improve the service we offer. This may include but is not limited to:
When gathering personal information, we will always request your consent. We will also seek consent for marketing, market research and prize draw, competitions etc.
If we ever look to use your personal information for any purpose not described in this policy, we will seek to obtain your consent first.
Crystal Advice Limited may disclose your information to our affiliates, associates or closely linked persons (howsoever defined by law or regulation), their directors, officers, employees and agents as well as any government entity or third party, for the purpose(s) outlined above or as a matter of law.
Crystal Advice Limited may disclose your personal information to third parties:
You have the right to ask Crystal Advice Limited not to process your personal data for marketing purposes. Crystal Advice Limited will usually inform you if it intends to use your data for such purposes or if it intends to disclose your information to any third party for such purposes. You can exercise your right to prevent the use of your data for marketing purposes by contacting Crystal Advice Limited at riffat@crystal-advice.co.uk or in writing at Crystal Advice Limited, Kings court, 17 School Road, Birmingham B28 8JG.
The web site may, from time to time, contain links to and from the websites of Crystal Advice Limited’s partner networks, advertisers and affiliates. If you follow a link to any of these websites, you should note that these websites have their own privacy policies and that Crystal Advice Limited does not accept any responsibility or liability for these policies. You should check these policies before submitting any personal data to these websites.
You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is:
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Crystal Advice Limited does not deliberately or intentionally collect personal identification information online or otherwise, from any child under the age of 16 as our services are not directed at children. Any person under the age of 16 should seek approval from a parent/guardian prior to providing any information.
You have the right to request a copy of the personal information about you free of charge and to have any inaccuracies corrected. Please address requests to:
Crystal Advice Limited, Kings court, 17 School Road, Birmingham B28 8JG or email enquiries@crystal-advice.co.uk.
When your personal data is processed by automated means you have the right to ask us to move your personal data to another organisation for their use.
Due to the rapidly evolving technologies and capabilities on the internet Crystal Advice Limited may need to change this privacy policy over time.
Crystal Advice Limited may revise these terms of use at any time for security, legal, best practice or regulatory reasons by amending this page.
Crystal Advice Limited will not use this right to make substantial changes to the terms to your detriment, without giving you a chance to agree.
You are expected to check this page from time to time to take notice of any changes Ingard Financial Limited made, as they are binding on you, however data taken before any changes will not be affected without your individual permission.
This Privacy Policy was last updated on 1st April 2023.
Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to:
Crystal Advice Limited, Kings court, 17 School Road, Birmingham B28 8JG or email to enquiries@crystal-advice.co.uk or by telephone on 0121 244 1801.
Privacy Policy | Conditions of Use
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other secured loans.
Crystal Advice Limited is an appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority, [Maple House, Park West, Sealand Road, Chester, Cheshire, CH1 4RN]
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.
The Financial Conduct Authority does not regulate some forms of bridging loans.
The Financial Conduct Authority does not regulate Wills, LPA’s, Trusts and all services deemed to fall under the Estate Planning and Estate Administration services.
The Financial Conduct Authority do not regulate some forms of buy to let mortgages. We may charge a fee for our service up to 1%. Our typical fee is £500 payable on completion, subject to status.
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
The information contained on these webpages is for information purposes only and does not constitute individual advice. Please contact us to arrange a consultation.
Registered Office: Kings Court, 17 School Road, Birmingham, B28 8JG. Registered No. 9932669. Registered in England and Wales.
