Privacy notice
This notice explains what personal information we collect, why we collect it, how we look after it and the rights you have. It applies to clients, people who enquire about our services, people who use our website and tools, and advisers who get in touch about joining us.
Who we are
Trinity Capital Partners is a trading name of Trinity Global Capital UK Ltd, a company registered in England and Wales with company number 06910409. Our address is 1 Balloon Street, Manchester M4 4BE. We are the data controller for the personal information described in this notice, and we are registered with the Information Commissioner’s Office (ICO) under registration number [ICO registration number].
If you have a question about this notice or how we use your information, email [email protected], call 0161 537 2228 or write to us at the address above, marked for the attention of our Data Protection Lead.
The information we collect
What we collect depends on how you deal with us.
- Contact details, such as your name, email address, phone number and postal address.
- Identity information, such as your date of birth, National Insurance number and copies of identity documents, which we need to verify who you are and prevent fraud and money laundering.
- Financial information, such as your income, spending, assets, debts, pensions, investments, policies, tax position and objectives.
- Family and lifestyle information, such as your relationship status, dependants and plans, where this is relevant to your advice.
- Health information, where you ask us to arrange protection or retirement income products and your health affects the cover or the income available. This is special category data and we only use it with your explicit consent or where the law allows.
- Information from our website and tools, such as the answers and figures you enter into our inheritance tax estimator, cashflow planner or adviser assessment if you ask us to send you the results, and the messages you send through our contact form.
- Technical information, such as your IP address, browser and device type and how you use our website, collected through cookies and similar technologies. Our cookie policy below explains this in more detail.
- Adviser recruitment information, such as your experience, qualifications, client bank and how you would like to work, if you’re an adviser thinking about joining us.
Most of this comes from you. We may also receive information from product providers, pension schemes and platforms you authorise us to contact, from your other professional advisers, from credit reference and identity verification agencies, and from people who introduce you to us.
How we use your information, and our lawful basis
Data protection law only allows us to use personal information where we have a lawful basis to do so.
- To provide our advice and services, including understanding your circumstances, researching the market, making recommendations, arranging products and reviewing your plan. Our basis is that this is necessary to perform our contract with you, or to take steps at your request before entering into one.
- To meet our legal and regulatory obligations, including anti-money laundering checks, record keeping, suitability requirements, and responding to the Financial Conduct Authority, the Financial Ombudsman Service and HMRC. Our basis is legal obligation.
- To reply to enquiries and send results you ask for, such as your inheritance tax breakdown or cashflow plan, and to follow up if you ask us to call. Our basis is our legitimate interest in responding to people who contact us, or steps taken at your request before a contract.
- To run and improve our business, including managing our systems, keeping our website secure, training our team and understanding how people use our site. Our basis is our legitimate interests, balanced against your rights.
- To send you updates and marketing, such as our insights, magazine and event invitations. We only do this where you have agreed, or where you’re an existing client and we’re telling you about similar services, and you can opt out at any time.
- To show you relevant advertising on other websites and social platforms, using analytics and advertising cookies. We only do this with your consent, which you can withdraw through our cookie settings.
- To process health information for protection and retirement income advice. Our basis is your explicit consent, or that it is necessary for insurance purposes as permitted by law.
Our online tools give you an estimate based on the figures you enter. They don’t make any decision about you that has a legal or similarly significant effect.
Who we share your information with
We never sell your personal information. We share it only where we need to, and only with organisations that are required to keep it secure:
- product providers, pension schemes, investment platforms, lenders and insurers, to research and arrange the products you choose;
- professional advisers you ask us to work with, such as your solicitor or accountant;
- specialist firms that support our advice, such as paraplanners, compliance consultants, auditors and our professional indemnity insurers;
- identity verification and anti-fraud services;
- the technology and service providers who host our website, deliver our email and store our records, such as our website host, email delivery service and Microsoft 365;
- advertising and analytics partners, including Google, Meta and TikTok, where you have consented to the relevant cookies;
- our regulators and other authorities, including the Financial Conduct Authority, the Financial Ombudsman Service, HMRC and law enforcement agencies, where the law requires it.
If our business is sold or restructured, your information may pass to the new owner, who would have to use it in line with this notice.
Transfers outside the UK
Some of our service providers store or process information outside the UK. Where they do, we make sure there are appropriate safeguards in place, such as an adequacy decision or the UK’s International Data Transfer Agreement.
How long we keep your information
We keep personal information only for as long as we need it. For clients, this is usually for the length of our relationship and then for at least six years afterwards, because our regulators require us to keep records of the advice we give. Some records, such as those relating to pension transfers, may need to be kept indefinitely. Enquiries and tool results that don’t lead to a client relationship are normally deleted within two years, unless you’ve asked us to keep in touch.
Keeping your information secure
We use appropriate technical and organisational measures to protect your information, including access controls, encryption and secure systems. Please don’t send account numbers or other sensitive details through our website forms.
Your rights
You have the right to:
- ask for a copy of the personal information we hold about you;
- ask us to correct information that is wrong or incomplete;
- ask us to delete your information, where we don’t need to keep it;
- ask us to restrict or stop using your information in certain circumstances;
- object to us using your information on the basis of legitimate interests, and to direct marketing at any time;
- ask us to transfer information you’ve given us to another organisation;
- withdraw your consent at any time, where we rely on it.
To use any of these rights, contact us using the details above. We’ll respond within one month. Some rights are limited where we need to keep information to meet our regulatory obligations.
If you’re unhappy with how we’ve handled your information, please tell us first so we can try to put it right. You also have the right to complain to the Information Commissioner’s Office at ico.org.uk or on 0303 123 1113.
Changes to this notice
We may update this notice from time to time. The date at the top of this page shows when it was last changed.
Cookie policy
Cookies are small files that a website places on your device. We use them, and similar technologies such as pixels and local storage, to make our website work, to understand how it’s used and, with your permission, to show you relevant advertising elsewhere.
Your choices
When you first visit our website, we ask whether you’re happy for us to use cookies that aren’t strictly necessary. We won’t set analytics or marketing cookies unless you agree. You can change your mind at any time using the Cookie settings link at the bottom of every page, or by deleting cookies in your browser settings.
The cookies we use
- Strictly necessary. These make the website work, keep it secure and remember your cookie choices. They can’t be switched off. Examples include the cookie that stores your consent preferences and security cookies set by our website host and content delivery network.
- Functional. These remember choices you make to improve your experience, such as the settings you choose in our accessibility tool. Some are stored in your browser’s local storage rather than as cookies.
- Analytics. These help us understand how visitors find and use our website, such as which pages are visited most and where people leave, so we can improve it. We use Google Analytics for this. Typical cookies include
_ga and _ga_*.
- Marketing. These let advertising platforms measure the results of our campaigns and show our adverts to people who have visited our website, or to people with similar interests. We use the Meta Pixel (Facebook and Instagram), Google Ads and the TikTok Pixel. Typical cookies include
_fbp, _gcl_au and _ttp. These platforms may combine this information with what they already know about you, under their own privacy policies.
You can find out more about how these platforms use information, and set your advertising preferences, through Google, Meta and TikTok.
Embedded content
Some pages include content from other websites, such as maps and videos. These sites may set their own cookies when you interact with them.
Complaints procedure
We want every client to be happy with the service they receive. If something has gone wrong, please tell us so we can put it right.
How to complain
You can raise a complaint in writing, by email, by phone or in person. Please contact:
Paul Howarth, Managing Director
Trinity Capital Partners
1 Balloon Street, Manchester M4 4BE
[email protected]
0161 537 2228
It helps if you can tell us your name and contact details, what went wrong, when it happened and what you’d like us to do to put it right.
What happens next
- We’ll acknowledge your complaint promptly, normally within five working days, and tell you who is handling it.
- We’ll investigate fairly and keep you informed of our progress.
- We’ll aim to resolve your complaint as quickly as possible. We’ll send you our final response in writing within eight weeks of receiving it, or write to explain why we need more time and when we expect to reply.
If you’re not satisfied
If you’re unhappy with our final response, or we haven’t sent one within eight weeks, you may be able to refer your complaint to the Financial Ombudsman Service. It is free to use. You must normally contact them within six months of the date of our final response.
Financial Ombudsman Service
Exchange Tower, London E14 9SR
0800 023 4567
[email protected]
financial-ombudsman.org.uk
Compensation
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations to you. This depends on the type of business and the circumstances of the claim. Most types of investment business are covered up to £85,000 per person. Advising on and arranging insurance is covered for 90% of the claim without any upper limit, and for some types of insurance, such as compulsory insurance and some protection policies, for 100% of the claim. Advising on and arranging mortgages is covered up to £85,000 per person. Further information is available from the FSCS at fscs.org.uk or on 0800 678 1100.
Regulatory information
Who we are
Trinity Capital Partners is a trading name of Trinity Global Capital UK Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA), firm reference number 523393. You can check our details on the FCA Register or by calling the FCA on 0800 111 6768.
Trinity Global Capital UK Ltd is registered in England and Wales, company number 06910409. Address: 1 Balloon Street, Manchester M4 4BE.
What we’re authorised to do
We are directly authorised by the FCA, which means we’re responsible for our own advice and compliance rather than operating under a network. Our permissions cover advising on and arranging investments, pensions and non-investment insurance such as protection policies, and advising on and arranging regulated mortgages and home reversion plans. We are an exempt investment firm under Article 3 of MiFID.
We do not hold or control client money. We never accept cash or cheques made payable to us for investment, and any payments for products go directly to the provider.
Our advice
Our investment and pension advice is independent. This means our recommendations are based on a comprehensive and fair analysis of the relevant market, and we are not tied to any product provider. Your adviser will explain the type of advice and service you’ll receive, and what it costs, before you commit to anything.
Important information about this website
The information on this website is for general guidance only and does not constitute financial, tax or legal advice. You should not act on it without taking advice that takes account of your own circumstances.
- The value of investments, and the income from them, can go down as well as up, and you may get back less than you invested. Past performance is not a reliable indicator of future results.
- The levels and bases of taxation, and reliefs from taxation, can change at any time and depend on your individual circumstances.
- A pension is a long-term investment. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.
- Your home may be repossessed if you do not keep up repayments on your mortgage.
- Equity release may involve a home reversion plan or a lifetime mortgage, which is secured against your home. It may affect the amount you leave to your beneficiaries and your entitlement to means-tested benefits.
- The FCA does not regulate some forms of tax advice, estate planning, trusts, will writing or some buy-to-let mortgages.
- Our online calculators provide estimates for illustration only, based on the figures you enter and our assumptions at the time. They are not a personal recommendation.
Links to other websites are provided for information. We are not responsible for their content.