Privacy Policy

Forefront Independent Financial Advisory is a trading style of Opal Financial Management Limited, who are appointed representatives of Sense Network Limited, which is authorised and regulated by the Financial Conduct Authority. This privacy notice explains how we use any personal information we collect about you.
What information do we collect about you?

We collect information about you when you request us to provide you with quotes for our services and engage us for financial planning, financial advice, mortgage advice, and investment management services. 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 may also collect information when you voluntarily complete client surveys or provide feedback to us.

We try at all times to keep at all personal data collected and processed accurate and up-to-date.  We check the accuracy of data when it is collected and at regular intervals thereafter.  Where any inaccurate or out-of-date data is found, all reasonable steps will be taken to amend or erase that data, as appropriate.

Information about connected individuals​
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 will provide a copy of this privacy notice for them or, where appropriate, ask you to pass the privacy information to them.
Why do we need to collect and use your personal data?

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 would also be unable to fulfil our legal and regulatory obligations.

Where special category data is required we will obtain your explicit consent in order to collect and process this information.

How will we use the information about you?
We collect information about you in order to provide you with the services for which you engage us.
Who might we share your information with?​

If you agree, we may email you about other products or services that we think may be of interest to you.

If you agree, we will pass on your personal information to our group of companies so that they may offer you their products and services.

We use tools supplied by third parties for profiling customers and agreements are in place to protect your data in accordance with data protection laws and policies.

We will not share your information for marketing purposes with companies outside our group of companies.

In order to deliver our services to you effectively we may send your details 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.

Where third parties are involved in processing your data we will 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 will only act in accordance with our written instructions.    

Where it is necessary for your personal data to be forwarded to a third party we will use appropriate security measures to protect your personal data in transit. The methods used to enhance the security of the data during transfer will either be via password protection and/or encryption of data depending on which method the third party is able to accept at that time.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

How long do we keep hold of your information?

During the course of our relationship with you we will retain personal data which is necessary to provide services to you.

We will take all reasonable steps to keep your personal data up to date throughout our relationship. We are also subject to regulatory requirements to retain your data for specified minimum periods. These are, generally:

  • Five years for investment business
  • Three years for mortgage business
  • Indefinitely for pension transfers and opt-out 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 is in our legitimate interests to do so. In any case, we will not keep your personal data for longer than 25 years after our relationship with you has ended.

You have the right to request deletion of your personal data. We will comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

How can I access the information you hold about me?​

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information please email or write to us using the contact details noted below.

You may make a subject access request (“SAR”) at any time to find out more about the personal data which we hold about you.  We are usually required to respond to SARs within one month of receipt (this can be extended by up to two months in the case of complex and/or numerous requests, and in such cases the data subject shall be informed of the need for the extension).

All subject access requests must be sent to our Data Protection Officer.

We do not charge a fee for the handling of normal SARs.  The Company reserves the right to charge reasonable fees for additional copies of information that has already been supplied to a data subject, and for requests that are manifestly unfounded or excessive, particularly where such requests are repetitive.

You also have the following rights in respect of your personal data:

  • The right to be informed of the processing;
  • The right to rectification;
  • The right of erasure;
  • The right to restrict processing;
  • The right of data portability;
  • The right to object to processing;
  • The right to understand automated decision making and profiling.

For more details on how to exercise these rights please contact us.​

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.

We have an obligation to ensure that your personal information is accurate and up to date. Please ask us to correct or remove any information that you think is incorrect.

Marketing

We would like to send you information about our products and services and those of other companies in our group which may be of interest to you. If you have agreed to receive marketing information, you may opt out at a later date.

You have a right at any time to stop us from contacting you for marketing purposes or giving your information to other members of the group. If you no longer wish to be contacted for marketing purposes, please contact us by email or post, or by clicking here.

What can you do if you are unhappy with how your personal data is processed?​

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

0303 123 1113 (local rate)

Changes to our privacy policy​
We keep our privacy policy under regular review, and we will place any updates on this web page or inform you of any changes when they occur.  This privacy policy was last updated on 21/05/2018.
How to contact us​

Please contact us if you have any questions about our privacy policy or information we hold about you: by email at advice@forefrontifa.co.uk

Or write to us at: Forefront Independent Financial Advisory, 11 Golden Square, London, W1F 9JB

Tony Millar

Chartered Accountant
Consulting Committee
Tony, a seasoned Chartered Accountant, completed his articles at J.H. Champness Corderoy Beesly & Co (now Saffery) attaining Associate Membership of The Institute of Chartered Accountants in England and Wales in 1964, and becoming a fellow of the institute in 1974…..

Nicholas Howell

MLIBF DipFA CeMAP
Consulting Committee
With over three decades of experience in the financial services marketplace, Nick Howell currently serves as the Managing Director to Opal Financial Management, the firm that Forefront Independent Financial Advisory acts under….

Paraplanning Team

Consisting of Eight Core Members
Our Contracted Paraplanning Team is composed of eight core members, featuring a flexible structure that can expand as service demand fluctuates, ensuring a consistently high standard is maintained. Central to the paraplanning service is a robust focus on compliance, acknowledging its dynamic….

Nicole Spencer

Executive Assistant to Toby Carmichael-Jack
Nicole Spencer is the Executive Assistant to Toby Carmichael-Jack With a professional partnership dating back to 2016, Nicole is dedicated to providing clients with an exceptional experience. With seven years of experience in the financial industry, Nicole offers a unique….

Toby Carmichael-Jack

DipPFS Chartered EIM™ | Team Head and Independent Financial Adviser
‘Top 35 Next Generation Adviser’ – Citywire
With over a decade of industry experience, a Chartered ESG Investment Manager, and featuring as one of Citywire’s top financial advisers under the age of 35 in 2016, Toby has a prominent background in the financial services industry…..