James Miller & Associates is a trading style of J S Miller Independent Financial Planning Ltd. Our website is www.jsmillerifp.co.uk
During the course of dealing with us, we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your health and family health history (Your Personal Data). This document is important as it allows us to explain to you what we will need to do with Your Personal Data, and the various rights you have in relation to Your Personal Data.
Your Personal Data means any information that describes or relates to your personal circumstances. Your Personal Data may identify you directly, for example your name, address, date of birth, national insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity.
In the context of providing you with assistance in relation to your Mortgage and/or Insurance requirements Your Personal Data may include:
When we speak with you about your mortgage and/or insurance requirements we do so on the basis that both parties are entering a contract for the supply of services.
In order to perform that contract, and to arrange the products you require, we have the right to use Your Personal Data for the purposes detailed below.
Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected. For example, we may need to respond to requests from mortgage lenders, insurance providers and our Compliance Service Provider relating to the advice we have given to you, or to make contact with you to seek feedback on the service you received.
On occasion, we will use Your Personal Data for contractual responsibilities we may owe our regulator, The Financial Conduct Authority, or for wider compliance with any legal or regulatory obligation to which we might be subject. In such circumstances, we would be processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.
Where you ask us to assist you with for example your insurance, in particular life insurance and insurance that may assist you in the event of an accident or illness, we will ask you information about your ethnic origin, your health and medical history (Your Special Data). We will record and use Your Special Data in order to make enquiries of insurance providers in relation to insurance products that may meet your needs and to provide you with advice regarding the suitability of any product that may be available to you.
If you have parental responsibility for children under the age of 13, it is also very likely that we will record information on our systems that relates to those children and potentially, to their Special Data.
The arrangement of certain types of insurance may involve disclosure by you to us of information relating to historic or current criminal convictions or offences (together “Criminal Disclosures”). This is relevant to insurance related activities such as underwriting, claims and fraud management.
We will use special Data and any Criminal Disclosures in the same way as Your Personal Data generally, as set out in this Privacy Notice.
Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between insurance intermediaries such as our Firm, and insurance providers, to enable customers to secure the important insurance protection that their needs require.
We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to mortgages and insurance. You will provide information to us verbally and in writing, including email.
We may also obtain some information from third parties, for example, credit checks, information from your employer, and searches of information in the public domain such as the voters roll. If we use technology solutions to assist in the collection of Your Personal Data for example software that is able to verify your credit status. We will only do this if we have consent from you for us or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.
In the course of handling Your Personal Data, we will:
From time to time Your Personal Data will be shared with:
In each case, Your Personal Data will only be shared for the purposes set out in this Customer Privacy Notice, i.e. to progress your mortgage and/or insurance enquiry and to provide you with our professional services.
Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages: it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.
We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the European Economic Area.
Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party.
We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us.
Your Personal Data will be retained by us either electronically or in paper format for a minimum of six years, or in instances whereby we have legal right to such information we will retain records indefinitely.
If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set out within it please contact:
James Miller at firstname.lastname@example.org If we feel we have a legal right not to deal with your request, or to action, it in different way to how you have requested, we will inform you of this at the time.
You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own regulatory obligations.
If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
*James Miller & Associates cannot be held responsible for the content of external websites
Shaun went through everything making sure we had a full understanding of what the mortgage covered. Great advice!
Dave Ruse was brilliant, he constantly provided us with information and checked with us to make sure we understood him, as first-time buyers this was very reassuring. Dave was brilliant and we have already recommended him to our friends.
Shaun made the initial process of purchasing our home an easy process. He met with us at our convenience and explained everything in detail. We will definitely use his expertise again.
My adviser travelled quite a distance to see us in the comfort of our home on two occasions. A very personal service.
Once again James provided us with a brilliant service. He makes the whole process so easy and would definitely recommend him to friends and family.
James is always friendly, calm and helpful. His knowledge and access to fast track options have saved us time and money. He's always professional even when we have left things to the last minute.
James Miller has provided us with fantastic service. He listens to our views and circumstances when providing us with recommendations, which he explains clearly. He has been prompt to respond to past emails and queries and I trust his advice.
Shaun made the process very simple, stress-free and efficient. I would not hesitate to use and recommend Shaun again.
David Ruse carried out another great job for myself. I would recommend him and your company to everyone as he is so easy to contact, speak to and always carry’s everything out to such a high standard.
James provided an excellent service with clear, concise and unbiased advice.
James is fantastic, easily approachable and provided us with multiple options to suit our needs. Highly recommended.
Shaun was very helpful when choosing our mortgage, we wanted to pay it off as soon as possible so he helped us with our plan. He was an excellent adviser.
The guidance or information contained within the website is subject to the UK regulatory regime and is therefore aimed at consumers in the UK.
The FCA does not regulate Commercial lending or Commercial Buy to let mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.
James Miller & Associates is a trading name of J.S.Miller Independent Financial Planning Ltd which is an appointed representative of Vision Independent Financial Planning Ltd who are authorised and regulated by the Financial Conduct Authority (FCA).
Firm reference number: 487395. This can be verified by visiting the Financial Services Register.
J.S.Miller Independent Financial Planning Ltd is a registered company in England and Wales. Registration number 07242081.
To verify our status please visit the FCA register. Our FCA number is 534042.