We use your information in a number of different ways — what we do with it then depends on the information and the purpose for which we collected.
The tables below set this out in detail, showing what we do, and why we do it.
1. Your name and contact details
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How we may use your Name, Surname and Contact Details
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Why?
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| Where we have collected this information we will use it to send you service messages by text or by email, such as investment updates |
We do this to honour our contract with you (e.g. to confirm payment) if you have a contract with us – or to respond to your queries |
| To deliver details of your transactions to you |
We do this to confirm transactions with you or to honour our contract with you |
| To send you information by email, SMS or post, about our new financial products and services |
To keep you up to date. We only send this with your permission – and you can ask us to stop. You can read more about how we use your information for marketing here. |
| Fraud prevention and detection |
To prevent and detect fraud against either you or us – unfortunate, but absolutely essential |
| Showing you adverts as you browse the web |
So you can see our latest financial products and researches |
2. Your date of birth information
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How we use your date of birth
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Why?
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Fraud prevention and detection
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To prevent and detect fraud against either you or us
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3. Your payment information, where submitted
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How we use your payment information
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Why?
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Take payment and give refunds
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This is required to honour our contract with you
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Fraud prevention and detection
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To prevent and detect fraud against either you or us
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4. Your contact history with us
What you’ve said to us — for example, over email or contact forms.
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How we use your contact history
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Why?
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Provide customer service and support
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We do this to honour our contract with you to your best satisfaction
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Train our staff
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For our team to remain up to date to provide you with the best possible customer service.
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5. Transaction history and saved items
The transactions we have executed on your behalf
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How we use your transaction history
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Why?
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Provide customer service and support, and handle returns
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We do this to honour our contract with you
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Finding out what you and other customers like
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To ensure we are giving you what you want, and to stay ahead of the competition
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6. Information about your device (phone or laptop) with which you used our website
Information you give us when you browse our site or use our app, including your IP address and device type and, if you choose to share it with us, your location data, as well as how you use our website and app.
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How we use information about your phone or laptop, and how you use our website and app
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Why?
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Protect our website
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To prevent and detect fraud against either you or us — and to meet our legal obligations about looking after your data
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The Legal Basis for Processing
For some of the uses of your personal data (as described above) there is a legal basis under applicable data protection laws for us to use such personal data without having obtained your consent. This includes, for example, where it is necessary for us to use the information to perform a contract with you or take steps at your request prior to entering into a contract with you, such as to process your order, provide customer-care and support services to you.
It also includes circumstances (such as we have described below) where we have a legitimate interest to use your data, provided that proper care is taken in relation to your rights and interests:
- to ensure that you know about any changes to the website or the terms of this Privacy Policy.
- to ensure that we organise our databases efficiently;
- to carry out research and analysis of your data as this helps us understand our clients better, who they are and how they interact with us;
- to improve and ensure the security of the website (for example, for statistical, testing and analytical purposes, troubleshooting).
Retention Periods
We will hold on to your information for no longer than is necessary keeping in mind the purpose/s (or compatible purposes) for which we first collected the data. We may also keep hold of some of your information if it becomes necessary or required to meet legal or regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce our terms and conditions.
As a guide:
- we will keep personal data while your account with us is active (if you have an account) or until such time as you ask us to stop communications with you, unless we need to keep the data for longer, primarily for legal or regulatory reasons;
- we may keep certain categories of personal data for longer in order to meet any legal or regulatory requirements, or to resolve a legal dispute;
- and, we may keep different types of personal data for different lengths of time if required by law (for instance, we may need to keep certain personal data to comply with our obligations with regard to the Prevention of Money Laundering and Funding of Terrorism Regulations);
You may obtain more information as to the retention periods or the criteria used by us to determine the retention periods by contacting us at info@curmiandpartners.com.