We recognise our responsibility to treat the information we obtain about you with care. Please take a few minutes to read this section carefully as it contains important information relating to the details that you’ve given or should give to us. It explains how we may use your details and tells you about the systems we have in place that allow us to detect and prevent fraudulent applications and claims. We use personal information about you to provide you with a quote. Some of the personal information we ask you to provide may be sensitive. If you buy one of our policies, then we’ll treat you as having given us consent to use any sensitive personal data in connection with the administration of your policy.
UK Money Laundering Regulations
We are obliged to conform to the UK Money Laundering Regulations and to the guidance notes from the Joint Money Laundering Steering Group. This process may require sight of certain documentation to verify client identity and place of residence, and we may request clarification on how any monies being invested were obtained. If you provide false or inaccurate information and we suspect fraud or money laundering we will record this. We may not forward any applications or money to third parties/product providers until our verification requirements have been met, and we will take no responsibility for any resulting delay. In circumstances where sufficient verification is not received in a timely manner after we have received completed applications, the application(s) and any monies may be returned to you.
Information on products and services
We will hold and use the information you’ve given us to provide the services you asked for and for statistical analysis. Your information will always be protected by strict security and will only be used in accordance with our instructions.
BMA Members Only – The BMA would like to monitor member interactions and engagement to ensure its partners provide high service standards. We will therefore share some basic usage information with the BMA, including date of initial engagement, type of product undertaken, policy renewal and cancellation dates, as well as reason for cancellation. This data will only be used to understand usage trends and level of engagement, and will NOT be used for any personalization or direct marketing.
We may contact you by post, email or phone to keep you informed about other products and services offered by Lloyd & Whyte Ltd and Lloyd & Whyte (Financial Services) Ltd for market research purposes, unless you’ve chosen not to receive such communications. If you would prefer us not to contact you, and haven’t previously told us, please write to the Marketing Team, Lloyd & Whyte, Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Tel +44 (0) 1823 250700; Fax: +44 (0) 1823 270357; E-Mail firstname.lastname@example.org. You have the right to ask us for a copy of the information we hold about you in our records. If you would like a copy of the information held on you please write to the Data Protection Officer, Lloyd & Whyte, Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Tel +44 (0) 1823 250700; Fax: +44 (0) 1823 270357; E-Mail email@example.com. A charge of up to £10 may be made for such requests. You have the right to ask us to correct any inaccuracies in your information.
If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme.
Most types of investment business are covered up to a maximum limit of £50,000, whereas Insurance business is covered for 90% of the claim, without any upper limit. For annuities, advising and arranging is covered for 100% of the claim, without any upper limit.
Further information about these amounts and limits for all other product types are available from the FSCS at http://www.fscs.org.uk/what-we-cover/products
Lloyd & Whyte Ltd is authorised and regulated by the Financial Conduct Authority (FCA) and our Registered number is 306077. Lloyd & Whyte Ltd, registered address: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Registered in England no 3686765.
Lloyd & Whyte (Financial Services) Ltd is authorised and regulated by the Financial Conduct Authority (FCA) and our Registered number is 125340. Lloyd & Whyte (Financial Services) Ltd, registered address: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Registered in England no 02092560.
Lloyd & Whyte Heritage is a trading name of Lloyd & Whyte Ltd, who are authorised and regulated by the Financial Conduct Authority. Registered in England No. 03686765. Registered Office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA.
These details can be checked on the FCA‘s Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 1116768.
We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.