Privacy Policy

Last Updated: 10 June 2025

PensionWise Navigator ("we", "our", or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website at www.pensionwisenavigator.co.uk (the "Website") or use our services.

We are committed to protecting your personal data and ensuring its privacy, security, and integrity. This Privacy Policy outlines our practices regarding the collection, use, and disclosure of your information through the use of our Website, and your rights in relation to that information.

Please read this Privacy Policy carefully. By using our Website, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

1.1 Personal Information

We may collect the following personal information when you use our contact form or subscribe to our educational materials:

• Name
• Email address
• Phone number
• Any additional information you provide in message fields

1.2 Automatically Collected Information

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

• IP address
• Browser type and version
• Operating system
• Referring website
• Time and date of your visit
• Pages you viewed
• Time spent on pages
• Links you clicked

1.3 Cookies and Similar Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. Please see our Cookie Policy for more details on how we use these technologies and how you can control them.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• Providing and improving our educational resources
• Responding to your inquiries
• Sending you educational materials you have requested
• Analyzing usage patterns to improve our Website
• Ensuring the security and proper functioning of our Website
• Complying with legal obligations

3. Legal Basis for Processing

We process your personal data on the following legal bases:

• Consent: Where you have given us consent to process your data for specific purposes, such as sending you educational materials.
• Legitimate Interests: Where processing is necessary for our legitimate interests, such as improving our Website and services, provided that these interests do not override your fundamental rights and freedoms.
• Legal Obligation: Where we need to process your data to comply with a legal obligation.
• Contract Performance: Where processing is necessary for the performance of a contract with you or to take steps at your request before entering into a contract.

4. Data Sharing and Disclosure

We may share your personal information with:

• Service Providers: Third-party vendors who perform services on our behalf, such as website hosting, email delivery, and analytics.
• Legal Requirements: When required by law, such as in response to a subpoena, court order, or other legal process.
• Protection of Rights: When necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, or situations involving potential threats to the safety of any person.

We do not sell your personal information to third parties.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized or unlawful processing, accidental loss, destruction, or damage. However, please note that no method of transmission over the Internet or electronic storage is 100% secure.

6. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period, 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, and applicable legal requirements.

7. Your Rights

Under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, you have several rights regarding your personal data:

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can ask us to correct inaccurate or incomplete data.
• Right to Erasure: You can request that we delete your personal data in certain circumstances.
• Right to Restrict Processing: You can ask us to limit the processing of your data in certain circumstances.
• Right to Data Portability: You can request a copy of your data in a machine-readable format.
• Right to Object: You can object to our processing of your data in certain circumstances.
• Rights related to Automated Decision-Making: You have rights related to automated decision-making and profiling.

To exercise any of these rights, please contact us at [email protected].

8. International Data Transfers

Our operations are primarily based in the United Kingdom. However, some of our service providers may process personal data outside of the UK or European Economic Area (EEA). In such cases, we ensure appropriate safeguards are in place to protect your data, such as Standard Contractual Clauses approved by the UK government or the European Commission.

9. Children's Privacy

Our Website is not intended for children under the age of 16, and we do not knowingly collect personal data from children under this age. If you believe we have collected personal data from a child under 16, please contact us so we can take appropriate steps to remove this information.

10. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites. We encourage you to review the privacy policies of any third-party sites you visit.

11. 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. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

12. Data Protection Officer

If you have any questions or concerns about our privacy practices or this Privacy Policy, please contact our Data Protection Officer at:

Email: [email protected]

Post: Data Protection Officer, PensionWise Navigator, 5 Exchange Quay, Salford M5 3EF

13. Complaints

If you are not satisfied with our response to your concern, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues. You can contact the ICO at:

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Website: https://ico.org.uk/
Telephone: 0303 123 1113