At Terence Financial ("Terence Financial", "We", "Us" or "Our") we take the privacy of the people who use Our Website seriously. Part of that commitment is being clear about how We — and anyone acting on Our behalf — handle the information We collect about you, when We collect it and why.
This is the privacy policy for the Terence Financial website (the "Policy" and the "Website"). It explains, for you ("You", "Your" or "User"), what kinds of information We collect about visitors, when We collect it, how We use it, who We share it with and how long We keep it, together with the rights available to you.
In this Policy, "Personal Data" means any information that relates to an identified or identifiable individual — that is, someone who can be identified directly, or by combining the information with other information We hold or can access.
When do We collect information about You?
We may collect Personal Data about you in the following situations:
- when you access or use the Website and the services offered through it (the "Services"); and
- when you get in touch with Us by email, through Our social channels, or by any other means.
You are not legally required to give Us any information, and anything you share is given voluntarily. That said, if you choose not to provide certain information, We may be unable to offer you some or all of the Services.
What type of information do We collect?
We (or third parties acting on Our behalf) may collect the following kinds of Personal Data about you:
- Usage information — activity and traffic logs such as your IP address, the date and time of access, the pages you open, the language you use, crash reports, your browser type and details about your device. Some of this may not identify you personally and so is not Personal Data.
- Activity information — while you use the Website We may record what you do on it, including the searches you run, the content you view, how long you spend with it and how you move through the Website.
- Contact information — when you reach out to Us, including through the Website or Our social channels, you may give Us your name, the organisation you represent, your address, contact details (such as email and phone number) and whatever you write to Us.
You are responsible for making sure the information you give Us (or anyone acting on Our behalf) is accurate. Inaccurate information may limit Our ability to provide some of the Services and to contact you as described in this Policy.
What is the legal basis for processing Your Personal Data?
We rely on one or more of the following grounds to process Personal Data:
- Performance of a contract — where processing is needed to deliver the Services.
- Legitimate interests — for example to prevent fraud, run analytics, keep the Services secure and improve them.
- Legal obligations — to meet the laws and regulatory requirements that apply to Us, including those covering anti-money-laundering and financial services.
- Consent — where you have specifically agreed, for instance to receive marketing communications.
How do We use Personal Data?
We may use Personal Data about you to:
- run, maintain and improve the Website and the Services;
- contact you about operations, customer support or security;
- tailor content or offers to you;
- respond to your questions, requests or complaints;
- send you marketing, where you have agreed to receive it;
- carry out the activities behind providing the Services, including back-office functions, business development, planning and financial management;
- protect Our interests and those of others, including bringing or defending legal claims; and
- meet Our legal and regulatory obligations.
What rights do You have?
Subject to the law that applies to you, you have the right to:
- access — ask for a copy of the Personal Data We hold about you;
- rectification — have inaccurate or incomplete Personal Data corrected;
- erasure — ask Us to delete Personal Data, subject to legal exceptions (the "right to be forgotten");
- restriction — ask Us to limit how We process your data in certain circumstances;
- portability — receive your Personal Data in a structured, machine-readable format;
- object — object to processing based on legitimate interests, or to direct marketing; and
- withdraw consent — take back consent where Our processing relies on it.
To exercise any of these rights, contact Us at privacy@terencefinancial.com. You also have the right to lodge a complaint with your local data-protection authority.
Sharing of Personal Data
We do not disclose or share Personal Data about you with third parties except as described in this Policy.
We may pass Personal Data to entities that control Us, that We control, or that are under common control or ownership with Us (together, the "Group"), which may use it to support the Group's needs.
We may also share Personal Data about you in the following cases:
- where you have asked Us to, or agreed to it;
- with service providers that support the Website and the Services — such as hosting, identity verification, analytics, communications and security — acting on Our instructions under contract;
- with regulated banking, acquiring and payment partners, where this is needed to carry out transactions and settlements;
- with advertising and marketing partners, where We may share pseudonymised, cryptographically hashed identifiers so that similar audiences can be reached without sharing raw contact details;
- with regulators, law-enforcement and other authorities, where We are required or permitted by law to disclose information;
- in connection with a sale, merger, acquisition, reorganisation, insolvency or similar transaction, where Personal Data may pass to a successor or buyer; and
- to protect Our rights, property and interests, or those of others, and to comply with a court order or legal process.
Transfer of Personal Data abroad
We may transfer Personal Data about you outside the place where you live and store it in other countries, whose data-protection and other laws may be less protective than those where you are. Where We do this, We take steps to ensure an appropriate level of protection is given to your Personal Data — for example by using the European Commission's Standard Contractual Clauses or relying on an applicable adequacy decision.
Retention of Personal Data
We keep Personal Data about you only for as long as We need it for the purposes it was collected for. We may keep it for longer where We must, in order to meet legal, regulatory, anti-money-laundering or tax obligations that apply to Us. Once the relevant period ends, We securely delete or anonymise the data.
Changes to this Policy
We may update this Policy from time to time. Any changes will be posted on this page with an updated revision date.
Contact Us
For anything to do with privacy, contact Us at privacy@terencefinancial.com. For regulatory or compliance matters you can also reach Us at compliance@terencefinancial.com.