Privacy Policy

1. Who We Are

ACJ Financial Planning is a financial advisory firm committed to protecting your privacy and personal data. We are the data controller for the purposes of the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. What Data We Collect

When you use our IHT calculator, we collect:

• Personal Information: Name, email address
• Financial Information: Estate values, gift details, exemption information
• Technical Data: IP address, browser type, device information
• Usage Data: Pages visited, time spent, interactions with our calculator
• Consent Records: Your consent preferences and timestamps

3. Why We Collect Your Data (Legal Basis)

• Legitimate Interest: To provide IHT calculations and financial guidance
• Consent: For marketing communications and optional services
• Contract: To provide services you've requested
• Legal Obligation: To comply with financial regulations and anti-money laundering requirements

4. How We Use Your Data

• Calculate your potential Inheritance Tax liability
• Provide personalised financial advice and recommendations
• Contact you about our services (with your consent)
• Improve our calculator and services
• Comply with legal and regulatory requirements
• Prevent fraud and ensure system security

5. Data Sharing

We do not sell your personal data. We may share your data with:

• Service Providers: Secure cloud hosting, email services, analytics (under strict data processing agreements)
• Regulatory Bodies: When required by law (FCA, HMRC, etc.)
• Professional Advisers: Legal, accounting, or technical consultants bound by confidentiality

6. Data Retention

• Calculator Data: Retained for 6 years (standard financial records retention)
• Marketing Consents: Until withdrawn or 3 years of inactivity
• Technical Logs: 12 months for security and performance monitoring

7. Your Rights

Under UK GDPR, you have the right to:

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data (subject to legal retention requirements)
• Restrict Processing: Limit how we use your data
• Data Portability: Receive your data in a machine-readable format
• Object: Object to processing based on legitimate interests
• Withdraw Consent: Remove consent for marketing or optional processing

To exercise these rights, contact us at chris@acjfinancialplanning.co.uk.

8. Data Security

We implement appropriate technical and organizational measures to protect your data:

• Encryption in transit and at rest
• Access controls and authentication
• Regular security audits and updates
• Staff training on data protection
• Incident response procedures

9. Cookies and Tracking

We use essential cookies for calculator functionality and analytics to improve our service. See our Cookie Policy for detailed information.

10. Updates to This Policy

We may update this privacy policy to reflect changes in our practices or legal requirements. We will notify you of significant changes via email or prominent notice on our website.

11. Contact Us

For any privacy-related questions or to exercise your rights: