{"id":45,"date":"2017-11-29T11:24:32","date_gmt":"2017-11-29T11:24:32","guid":{"rendered":"http:\/\/aspenfs.staging-006.co.uk\/?page_id=45"},"modified":"2023-06-27T16:35:37","modified_gmt":"2023-06-27T15:35:37","slug":"about-us","status":"publish","type":"page","link":"https:\/\/aspenfs.co.uk\/about-us\/","title":{"rendered":"About Us"},"content":{"rendered":"

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Our structured approach provides for resilient advice<\/h4>\n

Everything we do is built on the foundation of strict regulations designed to protect & support our clients<\/h4>\n

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We believe that financial planning needs to incorporate the sophisticated knowledge required when navigating through the complexities of our fast changing industry, together with the skills to understand your needs and how the tools available to us, best meet your objectives.<\/h5>\n
We aim to provide clear and straightforward advice designed for your specific needs and where relevant we will work with your Accountant or Solicitor to make sure our advice is consistent across your entire financial situation.<\/h5>\n
Together we will agree a review plan so that you know from the outset when and how we will maintain your expectations and create a consistent and relevant financial strategy for you.<\/h5>\n

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A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at http:\/\/www.financial-ombudsman.org.uk<\/a>\u00a0or by contacting them on 0800 023 4 567<\/h5>\n
If you wish to register a complaint, please write to or telephone Complaints Manager, Wickham House, 2 Upper Teddington Road, Kingston Surrey, KT1 4dy or 020 4512 7116<\/h5>\n

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Regulatory Jurisdiction<\/h3>\n

The guidance and\/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers in the UK<\/h5>\n
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We are Authorised and Regulated by the\u00a0Financial Conduct Authority<\/strong>. Their main roles in respect of regulating our business are as follows;<\/h5>\n
Regular conduct assessments.<\/h5>\n
Monitoring products and other issues to ensure firms play fair and don\u2019t compromise consumer interests.<\/h5>\n
Respond to events or problems that threaten the integrity of the industry.<\/h5>\n
Ensure firms compensate consumers when necessary.<\/h5>\n
The Financial Conduct Authority (FCA) regulates the financial services industry in the UK and their address is 25 The North Colonnade, Canary Wharf, London, E14 5HS. You can check this on the Financial Service\u2019s Register by visiting the FCA\u2019s website\u00a0www.FCA.gov.uk\/register.<\/h5>\n
Our FCA reference No. 467126<\/h5>\n
Being Directly Authorised by\u00a0The Financial Conduct Authority<\/strong>, we also pay an annual levy to the\u00a0Financial Services Compensation Scheme<\/strong>.<\/h5>\n
This means that our clients are covered by the following important protections;<\/h5>\n
Most types of investment business are covered up to a maximum limit of \u00a350,000, whereas Insurance business is covered for 90% of the claim, without any upper limit.
\nFurther information about this compensation scheme arrangement is available from the FSCS.<\/h5>\n
The FSCS protects:<\/h5>\n
Deposits<\/strong><\/h5>\n
Insurance policies<\/strong><\/h5>\n
Insurance broking (for business on or after 14 January 2005), including connected travel insurance where the policy is sold alongside a holiday or other related travel (e.g. by travel firms and holiday providers) (for business on or after 1 January 2009);<\/strong><\/h5>\n
Investment business<\/strong><\/h5>\n
Home finance (for business on or after 31 October 2004).<\/strong><\/h5>\n

[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”GDPR” tab_id=”1602515701055-20125932-1a70″][vc_column_text]Personal Information<\/strong><\/p>\n

Before you supply any personal details to us via the contact us page on this website please read our customer privacy notice document below<\/strong><\/p>\n

This notice sets out how we will process your personal data in line with the General Data Protection Regulations. Once you have read the customer privacy notice, please tick to confirm that you have read it and that you agree to Aspen Financial Services Limited processing your personal information for the purpose of contacting you. <\/strong><\/p>\n

We will not use the details you provide us in the contact page to market to you<\/strong><\/p>\n

Customer Privacy Notice<\/u><\/strong><\/h3>\n

Why should you read this document?<\/strong><\/h3>\n

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).<\/strong> 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.<\/p>\n

What do we mean by \u201cYour Personal Data\u201d?<\/strong><\/h3>\n

Your Personal Data means any information that describes or relates to your personal circumstances.\u00a0\u00a0 Your Personal Data may identify you directly, for example your name, address, date or 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.<\/p>\n

In the context of providing you with assistance in relation to any Investment, Mortgage, Finance and\/or Insurance requirements Your Personal Data may include:<\/p>\n

    \n
  • Title, names, date of birth, gender, nationality, civil\/marital status, contact details, addresses and documents that are necessary to verify your identity<\/li>\n
  • Employment and remuneration information, (including salary\/bonus schemes\/overtime\/sick pay\/other benefits), employment history<\/li>\n
  • Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents<\/li>\n
  • Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information)<\/li>\n
  • Any pre-existing investment, mortgage, finance and\/or insurance products and the terms and conditions relating to these<\/li>\n<\/ul>\n

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    The basis upon which our Firm will deal with Your Personal Data<\/strong><\/p>\n

    When we speak with you about your investment, mortgage, finance and\/or insurance requirements we do so on the basis that both parties are entering a contract for the supply of services.<\/p>\n

    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.<\/p>\n

    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.\u00a0 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.<\/p>\n

    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. \u00a0In 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.<\/p>\n

    The basis upon which we will process certain parts of Your Personal Data<\/strong><\/h3>\n

    Where you ask us to assist you with for example your insurance \/ ethical investments, 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)<\/strong>. We will record and use Your Special Data in order to make enquiries of insurance \/ investment providers in relation to insurance products that may meet your needs and to provide you with advice\/guidance regarding the suitability of any product that may be available to you.<\/p>\n

    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.<\/p>\n

    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 \u201cCriminal Disclosures<\/strong>\u201d). This is relevant to insurance related activities such as underwriting, claims and fraud management.<\/p>\n

    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.<\/p>\n

    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.<\/p>\n

    How do we collect Your Personal Data?<\/strong><\/h3>\n

    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 investment, mortgages, finance and insurance.\u00a0 You will provide information to us verbally and in writing, including email.<\/p>\n

    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.\u00a0 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.<\/p>\n

    What happens to Your Personal Data when it is disclosed to us?<\/strong><\/h3>\n

    In the course of handling Your Personal Data, we will:<\/p>\n