Privacy Policy

Introduction

Riaccramin Financial Services ("we," "our," or "us") is committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or otherwise interact with us.

We value your trust and are dedicated to handling your personal data with care and in accordance with legal requirements, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

Information We Collect

We may collect different types of information from and about you in various ways when you interact with us:

Personal Information You Provide

We collect personal information that you voluntarily provide to us when you:

• Register on our website or subscribe to our newsletter
• Fill out forms or surveys
• Request information or services
• Participate in promotions or events
• Contact us by email, phone, or other means
• Become a client

This information may include:

• Name and contact details (email address, telephone number, postal address)
• Date of birth
• Financial information (income, investments, assets, financial goals)
• Employment information
• Information about your family (marital status, dependents)
• Any other information you choose to provide us

Information Collected Automatically

When you visit our website, we may automatically collect certain information about your device and usage patterns. This information may include:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent on those pages
• Referring website addresses
• Other statistics about your interactions with our website

We use cookies and similar tracking technologies to collect this information. For more details about our use of cookies, please see our Cookie Policy.

Information from Third Parties

We may receive information about you from third parties, such as:

• Business partners
• Publicly available sources
• Referrals from existing clients
• Other financial institutions (with your consent)

How We Use Your Information

We may use the information we collect about you for various purposes, including to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Provide financial advice and services tailored to your needs
• Respond to your requests, questions, and comments
• Send you technical notices, updates, security alerts, and support messages
• Communicate with you about products, services, offers, and events
• Monitor and analyze trends, usage, and activities in connection with our services
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Comply with legal and regulatory requirements
• Protect the rights, property, or safety of our company, our users, or others

Legal Basis for Processing

We will only process your personal data where we have a legal basis to do so. The legal basis will depend on the purposes for which we have collected and used your personal data. In almost all cases, the legal basis will be one of the following:

• Consent: Where you have given us clear consent to process your personal data for a specific purpose.
• Contract: Where processing is necessary for the performance of a contract we have with you, or because you have asked us to take specific steps before entering into a contract.
• Legal obligation: Where processing is necessary for us to comply with the law.
• Legitimate interests: Where processing is necessary for our legitimate interests or the legitimate interests of a third party, provided your interests and fundamental rights do not override those interests.

How We Share Your Information

We may share your personal information in the following circumstances:

Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

• IT and system administration providers
• Professional advisers (e.g., lawyers, accountants)
• Customer relationship management systems
• Marketing and communication platforms
• Payment processors

These service providers are required to keep your information confidential and secure and are prohibited from using your personal information for any purpose other than to provide the requested services.

Business Transfers

If we are involved in a merger, acquisition, financing, or sale of all or a portion of our business or assets, your information may be transferred as part of that transaction. We will notify you of any change in ownership or uses of your personal information, as well as any choices you may have regarding your information.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

With Your Consent

We may share your information with third parties when we have your consent to do so.

Data Retention

We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider:

• The amount, nature, and sensitivity of the personal data
• The potential risk of harm from unauthorized use or disclosure
• The purposes for which we process the data
• Whether we can achieve those purposes through other means
• The applicable legal, regulatory, tax, accounting, or other requirements

For clients, we typically retain personal information for at least seven years after the end of our relationship to comply with regulatory requirements. In some circumstances, we may anonymize your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you.

Data Security

We have implemented appropriate technical and organizational measures designed to protect the security of your personal information. However, please note that no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Measures we take include:

• Encrypting sensitive information
• Limiting access to personal information to authorized personnel
• Maintaining physical, electronic, and procedural safeguards
• Regularly reviewing and updating our security practices
• Training staff on data protection and security

Your Rights

Under data protection laws, you have rights in relation to your personal data. These include the right to:

• Access: Request access to your personal information.
• Correction: Request that we correct inaccurate or incomplete personal information.
• Erasure: Request that we delete your personal information in certain circumstances.
• Restriction: Request that we restrict the processing of your personal information in certain circumstances.
• Data portability: Request the transfer of your personal information to you or to a third party.
• Objection: Object to processing of your personal information where we are relying on a legitimate interest.
• Withdraw consent: Withdraw consent at any time where we are relying on consent to process your personal information.

If you wish to exercise any of these rights, please contact us using the details provided below.

You will not have to pay a fee to access your personal information or to exercise any of the other rights. However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

Children's Privacy

Our services are not intended for use by children under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us.

International Data Transfers

Your personal information may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different from those in your country.

Specifically, our servers are located in the United Kingdom, and our third-party service providers and partners may operate around the world. This means that when we collect your personal information, we may process it in any of these countries.

However, we have taken appropriate safeguards to ensure that your personal information will remain protected in accordance with this Privacy Policy. These include implementing the European Commission's Standard Contractual Clauses for transfers of personal information between our group companies and third-party service providers and partners, which require all parties to protect personal information to the standard required by EU data protection law.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be indicated by an updated "Last Updated" date and will be effective as soon as it is accessible.

We encourage you to review this Privacy Policy frequently to stay informed about how we are protecting your information. Your continued use of our services after the revision date will constitute your acknowledgment of the amended Privacy Policy.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Riaccramin Financial Services
123 Financial Street, Canary Wharf
London, E14 5AB
United Kingdom
Email: [email protected]
Phone: +44 20 7123 8403

If you have a complaint or concern about how we are processing your personal data, we hope that you will contact us in the first instance so that we can try to resolve the issue. However, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk).