Cookies and Privacy Policy

This cookies and privacy policy (together with our website terms of use and any other documents referred to on it) explains how we (Flying Colours Finance Limited, trading as Flying Colours) use and protect information you give us through your use of our website. Any information you provide through our website will only be used in the ways described in this cookies and privacy policy.

This policy is updated from time to time and was last updated on 13 January 2016. We reserve the right to update this policy at any time and without notice.

Security

We take data security seriously and will always hold your information securely. We use encryption to protect all site visitors’ data and have robust internal processes to safeguard your data.

What data do we gather and how do we use it?

Depending on how you interact with our website and our services we will collect different information from you. This includes, but is not limited to, information you provide when you fill out forms, transfer any policies into our agency, take out any policies, upload any documentation, send us any communication by email or post, make an enquiry, take our risk assessment test or any other communication that we receive from you.

If you provide personal contact information such as your name, address, phone number or email address. We may use these details to correspond with you through these channels about relevant products and services or other information we believe may be of interest to you. We may also contact you for market research purposes. As a customer of Flying Colours we will also use this information to keep you updated about your investment and let you know of any regulatory changes that affect you.

If you provide information by using the investment tools on our website we may use this to personalise website content for you and for marketing purposes.

We will only contact you in line with the contact preferences that you have specified and will not send you marketing communications where you have indicated to us that you do not wish to receive these. If you do not want us to use your data in this way please let us know. If you would like to amend your contact preferences you can instruct us by email, post or telephone.

In order to provide you with personalised financial advice we need to collect personal and confidential information from you. We’ll store and use the information you provide through our simplified advice tool, account registration and application to do this. Any bank account and/or other payment details you provide will be held to allow us to make payments to you or request payments as instructed.

If you complete the account registration process we will store the information you provide so that you are able to log-in to your account.

We may use your personal and confidential information to conduct identity checks as part of our Anti-Money Laundering obligations. We will notify you prior to any check being carried out.

Any appointments with our team conducted over the phone or online using join.me will also be recorded and stored securely. We may also record any telephone conversations and store the recording securely.

We may also collect additional information through ‘cookies’. These allow us to analyse and identify trends among website visitors. Information collected this way will not enable us to individually identify you and will only be used for the purposes described. More detail about cookies and how we use them is provided below.

What are ‘Cookies’?

Cookies are small text files which are placed on the computer of a website user to provide the website operator with information about use of our site. They are used to enable websites to function or to provide information to the owners of a website and they are used to improve website users’ experience by remembering preferences and personalising content and making sure users are finding what they need easily.

A cookie doesn’t give us access to your computer or any information about you, other than the information you choose to share with us. Most web browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of our website.

No personally identifiable information is stored on these cookies or web pixels. We may use this information to understand the effectiveness of our advertising and marketing.

The type of Cookies we use

Analytical/performance cookies

These cookies allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it.

Heat Mapping and Visitor Recording services are used to display the areas of a page where Users most frequently move the mouse or click. This shows where the points of interest are and help us to improve your experience when using our website. These services make it possible to monitor and analyse web traffic and keep track of User behaviour.

Strictly necessary cookies

These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website and use our services.

Functionality cookies

We use these cookies to analyse website traffic. We use the information we collect to improve the onsite experience for users by tailoring the information presented to you.

Targeting cookies

These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

We allow these third parties to use tracking pixels. These may be used to collect and hold information about visits to our website, such as which pages are viewed and how long is spent on our website, as well as the advert that you clicked to visit our site.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Cookie Name Purpose More information
Analytical/performance cookie hotjar hotjar is a analytics and feedback service provided by Hotjar Ltd and allows the monitoring of user behaviour with this website. These services allow this Application and its partners to inform, optimise and serve advertising based on past use of this Application by the User. This activity is performed by tracking Usage Data and by using Cookies, information that is transferred to the partners that manage the remarketing and behavioural targeting activity. Place of processing: USA – Privacy PolicyOpt out

 

Analytical/performance cookie AdWords Remarketing (Google Inc.) AdWords Remarketing is a Remarketing and Behavioral Targeting service provided by Google Inc. that connects the activity of this Application with the Adwords advertising network and the Doubleclick Cookie. Place of processing: USA – Privacy Policy – Opt Out

 

Targeting cookie Google Analytics (Google Inc.) Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of this Application, to prepare reports on its activities and share them with other Google services.
Google may use the Data collected to contextualize and personalize the ads of its own advertising network.
Place of processing: USA – Privacy Policy – Opt Out

 

Where is our data stored?

Everything will be stored both within the website database and in our back office system (whichever system we are using at the time). Both these databases are stored on a dedicated and secure server with at least 128-bit levels of encryption.

Links from our site

Our website contains links to other websites which we believe may be of interest to you. If you follow a link to another website you may wish to read the privacy policy of that website. If you have arrived at our site via a link from another website, you may wish to read the privacy policy of that site. Please be aware that this cookies and privacy policy applies to our website only and we can accept no responsibility for how websites that are not under our control may use any data you provide them.

Sharing of information with third parties

Unless otherwise instructed in writing, we may disclose your personal data to our affiliates, agents and contractors for the purposes stated above. We may also disclose your personal data to third parties as we believe is reasonably necessary to provide our services. If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our website terms of use and other agreements; or to protect the rights, property, or safety of Flying Colours, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area. It may also be processed by staff operating outside the European Economic Area who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting, if you allow us.

We may also pre-populate third party forms with the information you provide us. This may be performed manually or through secure and encrypted data transfers. Where this happens it is your responsibility to check that the pre-populated data fields are correct and up to date. We can accept no responsibility for any problems with any applications to third party companies that arise from any pre-populated data fields.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; 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.

The Data Protection Act and your rights

The Data Protection Act 1988 controls how we use the information we collect about individuals by setting out a number of principles which we abide by at all times. It also enables individuals to request us to share the information we have collected with them. If you would like to request this information then please write to The Compliance Manager, Flying Colours, 2 Queen’s Court, Lyndhurst Road, Ascot, SL5 9FE. There is a £10 charge to cover administrative and postage costs.

Additionally, if you believe that any information we hold about you is incorrect or incomplete, please write to us at the above address. We will amend any information that is incorrect. By using this site and by submitting your personal data, you consent to processing of your personal data in accordance with our Site Terms and this Cookie and Privacy Policy and you warrant that all data provided by you is accurate.

Changes to our cookies and privacy policy

Any changes we may make to our cookies and privacy policy in the future will be posted on this page. Please check back frequently to see any updates or changes to our privacy policy.