Privacy & Cookies Policy

Owl Financial is a trading style of Openwork Limited.

Openwork Limited ("We") are committed to protecting and respecting your privacy.

This policy (together with our terms of use and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting www.owlfinancial.co.uk you are accepting and consenting to the practices described in this policy.

Collecting information and protecting your privacy

Owl Financial is a trading style of Openwork Limited. Openwork is committed to protecting your privacy. As we would like you to be a lifetime client, we need to earn your trust and assure you that we will keep your personal information confidential and secure and only for as long as is necessary.

If you are unable or unwilling to provide some, or all, of this information your Adviser will be unable to provide you with advice suitable for your circumstances. We do not collect personal information from third parties.

Our aim is to offer advice that helps you plan your financial future. To provide such advice, we need to know about your personal situation and may request sensitive and private information about you, for example, your income, current financial arrangements, health, commitments and any legal proceedings you may be involved in (such as debt recovery, insolvency and County Court Judgments). Much of the information you provide will, as part of your application, be passed to the company whose products you apply for and details of how they use your information are included in their data protection literature.

The criteria we use to determine how long this period is can be obtained from Openwork’s Data Protection Officer at the address below. We will use it with care, and it will only be shared in the ways explained below, or if we are required to by UK law or the Financial Conduct Authority (FCA).

Your personal information will only be held for as long as necessary and collected for the purposes of providing advice in respect of the range of products and services outlined in the ‘Our Insurance Services’ document provided by your Owl Adviser. In addition, we will make every effort to ensure that the information you provide is recorded accurately and that it is only passed to companies who comply with the General Data Protection Regulations (GDPR). If it is required to send your information abroad, we will only do so to countries within the European Union (EU) or to a third country that the EU has determined provides an adequate level of protection and where you are able to exercise your rights to access your personal information under the GDPR.

Controlling and using your personal information

A Data Controller is someone who determines the purposes for and the manner in which your personal data should be processed. Openwork and the companies whose products you buy are Data Controllers. Openwork’s contact details are shown below.

We use your information in a variety of ways:

  • To introduce you to a range of products and services offered by the companies we are associated with (or may be associated with in the future).
  • To help with administration.
  • To contact you with details of changes to products you have bought.
  • For business analysis and research.
  • For marketing products and services we think may be suitable for you (unless you ask us not to send you this information).
  • To comply with UK law and/or FCA requirements.
  • To verify your identity by searching publicly available records held by credit reference agencies.
  • To prevent fraud and money laundering we may pass your details to other companies, public bodies including the police or to an insurer’s database. Insurance companies can search databases for any relevant information that exists about you.

We therefore process your data because it is necessary for:

  • the operation of our legitimate business interests.
  • the performance of a contract to which you are a party.
  • compliance with legal obligations to which we as the Data Controller are subject.

None of the information gathered about you will be used in automatic decision making.

Your health details

If you apply for some types of insurance (eg. life insurance, accident or sickness cover etc.) you will be required to provide details about your health and medical conditions. Under the GDPR, this is regarded as sensitive personal data.

Your Adviser will have access to your medical details unless you prefer to complete a medical statement of health in private. If this is the case, please send it with your application marked for the attention of the “Consultant Medical Officer” in a sealed envelope.

We need your explicit consent to collect and process your health details, which of course you may withdraw at any time. To provide this consent, please sign the privacy notice provided to you and provide one copy of this form to your Adviser. Signing this form will also indicate that you have read and understood the provisions set out.

Mortgage credit checking

If you apply for a mortgage your information will be passed to the lender, who will carry out a credit check. You will also have to provide details of any insolvency, County Court Judgments, and debt recovery related convictions. These details will be passed to the lender to carry out any necessary checks.

Marketing and sharing your information

The information you give us will be added to any other details we hold about you. Openwork will never sell your details to a third party, but we may share your information with any product provider whose products we recommend to you. We will collect your marketing preferences from you as part of providing you with advice. Your marketing preferences will not affect your relationship with your Adviser.

We may have to pass your details to another Adviser if, for example your Adviser is ill or you need advice in a different product area. If your Adviser no longer represents us, we may pass your details to another Adviser so that we can continue to provide you with a high standard of service.

We may send your information to third parties that are carrying out work on our behalf.

Your Data Protection rights

You have certain rights under the GDPR. These include the right to:

  • Ask for a free copy of your personal information in a portable format.
  • Stop us sending you marketing material about products and services.
  • Have any incorrect information we hold about you corrected.
  • Ask us to restrict processing of your personal data.

As the processing of your personal information is necessary for a legal obligation placed upon us by the FCA and may be required for the establishment, exercise or defence of legal claims, we will not be able to permanently delete your personal information until the end of the period we have deemed necessary.

How to get more information

If you would like further details on how we use your personal information or if you have any data protection queries, please write to:

The Data Protection Officer
Openwork Limited
Auckland House
Lydiard Fields
Swindon SN5 8UB

You may receive more information about data protection from the companies that we have introduced you to.

We may record telephone calls so we can check we have acted on your instructions correctly and to ensure we are giving you appropriate service. We may also monitor calls for security and training purposes.

Complaints

If you have any complaints about the way we or your Adviser have handled your personal information, please contact the Data Protection Officer at the address given above.

You also have the right to refer your complaint to the Information Commissioner.

Openwork Foundation

The Openwork Foundation takes data privacy very seriously. Please click here for details of their privacy policy and how they use any data you may provide to the Openwork Foundation.

Cookies

Our website uses cookies to distinguish you from other users of our website. A cookie is a small file of letters and numbers that we put on your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.

The cookies we use are ‘analytical’ cookies. They allow us to recognise and count the number of visitors and to see how visitors move around the site when they are using it. This helps us to improve the way our website works, for example by ensuring that users are finding what they are looking for easily.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Cookie Name

Domain

Description

Expiration Time

Category

__cf_bm

vimeo.com

Unclassified

1 day

Necessary

__RequestVerificationToken

owlfinancial.co.uk

Helps prevent Cross-Site Request Forgery (CSRF) attacks.

Session

Necessary

_cfuvid

vimeo.com

Unclassified


Session

 

Necessary

ARRAffinity

owlfinancial.co.uk

Used to distribute traffic to the website on several servers in order to optimise response times.


Session

 

Necessary

ARRAffinitySameSite

owlfinancial.co.uk

Used to distribute traffic to the website on several servers in order to optimise response times.


Session

 

Necessary

ASP.NET_SessionId

owlfinancial.co.uk

Preserves the visitor's session state across page requests.


Session

 

Necessary

bcookie


linkedin.com

 

Unclassified

1 year

Necessary

CookieConsent

owlfinancial.co.uk

Stores the user's cookie consent state for the current domain


Session

 

Necessary

li_gc

linkedin.com

Unclassified

180 days

Necessary

rc::a

gstatic.com

This cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the use of their website.


Persistent

 

Necessary

rc::c

gstatic.com

This cookie is used to distinguish between humans and bots.

Session

Necessary

lidc

linkedin.com

Unclassified

1 day

Preferences

vuid

vimeo.com

Collects data on the user's visits to the website, such as which pages have been read.

2 years

Statistics

These cookies do not record any personally identifiable information (PII).

You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.