Your Privacy – in Plain English

Who we are

We are Cartlidge Morland. We provide financial advice and discretionary investment management to retail clients.

What information we collect

We collect personal information such as your name, contact details, financial information and, where relevant, details about your circumstances (for example health or family information). We also collect identification documents to meet legal and regulatory requirements.

Why we need it

We use your information to:

• give you suitable advice and manage investments properly
• meet our legal and FCA regulatory obligations
• protect you and us from fraud and financial crime
• communicate clearly with you and support good client outcomes

Who we share it with

We only share your information where necessary — for example with product providers, investment platforms, discretionary managers, professional advisers and regulators.

How we keep it safe

Your information is kept confidential and protected using secure systems and controls.

Your choices and rights

You have the right to see the information we hold about you, ask us to correct it, and raise concerns about how it is used. You can contact us at any time if you have questions.

For full details, please read our complete Privacy Notice below. 

 

Privacy Notice (Retail Clients)

1  Introduction

This Privacy Notice explains how Cartlidge Morland collects, uses and protects your personal data.

We are committed to handling your information fairly, transparently and securely, and in a way that supports good outcomes for you as a retail client.

We process personal data in accordance with:

• the UK General Data Protection Regulation (UK GDPR); and
• the Data Protection Act 2018.

Each firm acts as a data controller for the personal data it processes.

2  What is personal data?

Personal data is information that identifies you, or could reasonably be used to identify you. This includes:

• basic personal details (such as your name and contact details); and
• more sensitive information (“special category data”), such as health or marital status, where this is relevant to providing suitable financial advice or investment services.

3  Why we use your personal data (lawful bases)

We only collect and use your personal data where it is necessary, fair and lawful. Depending on the circumstances, we use your data because:

• It is needed to provide our services to you and meet our contractual obligations
• We are required to do so by law or regulation, including FCA rules and financial crime legislation
• It is in our legitimate interests, for example to run our business properly, assess suitability and manage risk, where this does not override your rights
• You have given consent, where this is required

Our aim is always to use your data in ways you would reasonably expect and that support the delivery of appropriate advice and investment management.

4  What personal data do we collect?

We may collect:

• your name, date of birth and contact details
• financial information, including income, assets, liabilities and bank details
• employment and occupation details
• tax and residency information, including National Insurance number
• health or personal circumstances where relevant to financial planning
• identity documents for verification and anti-money laundering purposes
• records of meetings, emails, letters and phone calls
• details of products, investments or services arranged for you
• information about connected persons (for example a spouse, partner or beneficiaries)
• limited information relating to children where a product is set up on their behalf
• technical data when you visit our website (see Cookie Policy)

5  When we collect your information

We collect personal data when:

• you enquire about or use our services
• we communicate with you during the course of our relationship
• we receive information from product providers, platforms or professional advisers
• we carry out identity, fraud-prevention or regulatory checks
• information may also be collected about you when you visit our websites (for example via cookies), such as your IP address and other browser-generated information. Please refer to our Cookie Policy at cartlidgemorland.com/cookies/

6  How we use your personal data

We use your personal data to:

• provide financial advice and discretionary investment management
• assess suitability and ensure products and services meet your needs
• comply with FCA and legal obligations
• administer investments and client accounts
• communicate clearly and effectively with you
• handle complaints or concerns
• protect you and us from fraud and financial crime
• improve our services and governance

If you choose not to provide information we reasonably need, we may be unable to provide services to you.

7  How we keep your information safe

We treat all personal and special category data as confidential.

We use appropriate physical, technical and organisational safeguards, including secure systems, access controls and staff training, to protect your information against loss, misuse or unauthorised access.

8  Who we share your information with

We may share your personal data with:

• product providers and investment platforms
• discretionary investment managers
• auditors and professional advisers
• IT and systems providers
• regulators, including the FCA and ICO
• law enforcement and fraud-prevention agencies
• statutory or governmental bodies where required by law
• third parties involved in a business sale or restructuring

We only share what is necessary and require third parties to protect your data appropriately.

9  Fraud prevention and identity checks

We carry out identity verification and fraud-prevention checks using information such as your name, address and date of birth.

These checks do not involve automated investment decisions and are used solely to meet legal and regulatory requirements and to protect clients from financial crime.

10     How long we keep your data

We keep personal data only for as long as necessary to provide services and meet legal and regulatory requirements.

Some records (including pension transfer, conversion or opt-out records) may be retained indefinitely where required by regulation or for legal protection.

11     Children

We take extra care when processing children’s personal data and only collect limited information where necessary to provide services, with appropriate parental responsibility.

12     Your rights

You have the right to:

• access your personal data
• request correction of inaccurate or incomplete data
• request deletion in certain circumstances
• restrict or object to processing
• receive your data in a portable format where applicable
• withdraw consent where processing is based on consent
• raise concerns or complain to the ICO

13     Contacting us

If you have questions, concerns, or need help understanding this Notice, please contact the Data Protection Officer, 80 Coleman Street, London EC2R 5BJ, Telephone: +44 (0)20 7709 5560

We are happy to explain anything in this Notice in a way that is clear and accessible.

14     Contacting the ICO

Information Commissioner’s Office Telephone: 0303 123 1113 Website: https://ico.org.uk

15     Changes to this Notice

We review this Privacy Notice regularly and will update it on our website when necessary.

Last updated: December 2025