Privacy Policy & Data Protection Notice

1. Data Controller & Governance Structure

Regent Wealth Financial Planning Limited ("we", "us", or "our", Company No. 16376983) operates under the comprehensive compliance and data protection framework of Sense Network Limited, acting as a joint data controller. We are committed to protecting the privacy, confidentiality, and security of all personal data provided to us in accordance with UK Data Protection Legislation and the UK General Data Protection Regulation (UK GDPR).

2. Categories of Information We Collect

In order to provide regulated financial planning advice, we collect and process:

• Personal & Contact Details: Full name, address history, telephone numbers, email addresses, dates of birth, National Insurance numbers, and identification documents (e.g. passports, driving licences).
• Financial Circumstances: Employment details, salary records, business ownership structures, existing pension contracts, investment portfolios, bank accounts, mortgage liabilities, and tax returns.
• Special Category Data: Health and lifestyle details, collected with your explicit consent when arranging life insurance, critical illness policies, income protection, or medically underwritten retirement income products.
• Connected Individuals: Details regarding spouses, partners, children, and beneficiaries where necessary for trust, will, or intergenerational inheritance planning.

3. Legal Bases for Data Processing

We process your data strictly under the following lawful conditions:

1. Performance of a Contract: Necessary to execute our Client Agreement, prepare suitability reports, liaise with existing providers, and manage your ongoing portfolios.
2. Legal & Regulatory Compliance: Fulfilling statutory obligations enforced by the Financial Conduct Authority (FCA), HM Revenue & Customs (HMRC), and UK Anti-Money Laundering (AML) regulations.
3. Explicit Consent: Explicitly gathered prior to collecting sensitive medical or lifestyle information for insurance underwriting.
4. Legitimate Interests: Necessary for the proper administration, system security, and operational governance of our advisory practice.

4. Third-Party Disclosures

We will never sell or rent your personal data. We disclose your information only to vetted third parties strictly required for advisory execution:

• Sense Network Ltd: For mandatory compliance oversight, quality audits, and regulatory file reviews.
• Product Providers & DFMs: Pension administrators, investment platforms, Discretionary Fund Managers, and insurance underwriters.
• Professional Collaborators: Your appointed accountants, tax advisers, and solicitors (upon your instruction).
• Regulatory & Legal Authorities: The Financial Conduct Authority, the Financial Ombudsman Service, and HMRC where legally required.

5. Data Retention & Security

Client files and transaction histories are retained in secure cloud environments in compliance with FCA statutory record-keeping rules (which require indefinite retention for pension transfers and defined benefit consolidations, and a minimum of 6 years post-relationship for general investment advice).

6. Your Individual Statutory Rights

Under UK GDPR, you have the right to:

• Request a copy of the personal information we hold (Subject Access Request - SAR).
• Request rectification of any inaccurate or incomplete personal records.
• Request erasure of your personal data ("Right to be Forgotten"), subject to our statutory FCA record-keeping requirements.
• Object to or restrict the processing of your personal information.
• Request the transfer of your data to another advisory firm (Data Portability).

7. Contact & Regulatory Recourse

If you have questions regarding this Privacy Notice or wish to exercise your data rights, please contact our Compliance Officer at:

You also possess the statutory right to lodge a formal complaint with the UK supervisory body, the Information Commissioner’s Office (ICO), at www.ico.org.uk.