Privacy Policy

Last updated: October 2025

1. Who We Are

Sage Financial Solutions Ltd is an independent insurance broker providing personal insurance and business protection insurance services in the United Kingdom.

Registered Office:
Austin House
43 Poole Road
Bournemouth
BH4 9DN

Website: www.sage-financial.co.uk
Email: nick.hall@sage-financial.co.uk
Telephone: 01202 788335

Sage Financial Solutions Ltd acts as both a Data Controller and Data Processor for the purposes of data protection legislation, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. The Personal Data We Collect

We only collect personal data necessary to provide our insurance and advisory services. This may include:

• Personal identification data such as name, address, date of birth, and contact details
• Financial information such as employment status, income, assets, and liabilities where relevant
• Insurance details such as cover requirements, policy numbers, and claims history
• Special category data such as health or medical information where required for life or protection insurance purposes

We do not collect data for marketing purposes and do not sell or share personal data for marketing.

3. How We Collect Your Data

We may collect personal data directly from you through:

• Application forms or online submissions
• Telephone calls, meetings, or email correspondence
• Documentation provided to obtain or manage an insurance policy

We may also receive data from third parties such as insurers, financial advisers, or comparison platforms acting on your behalf.

4. How We Use Your Data

We process your personal data only where we have a lawful basis to do so. This typically includes:

• Performing a contract with you or taking steps prior to entering a contract
• Complying with legal obligations such as FCA or HMRC requirements
• Our legitimate business interests such as record keeping and operational management
• Your explicit consent where required, for example when processing health or medical information

Your information is used for purposes including:

• Providing insurance advice and arranging insurance contracts
• Communicating with insurers and underwriters
• Processing claims and policy renewals
• Maintaining accurate and compliant records

5. Sharing Your Data

We may share your personal data with:

• Insurance providers and underwriters for arranging, renewing, or administering cover
• Service providers and professional advisers such as compliance consultants or IT providers, under strict confidentiality obligations
• Regulators or public authorities including the Financial Conduct Authority (FCA), HMRC, or the Information Commissioner’s Office (ICO) where required by law

We do not transfer your data outside the United Kingdom unless required by a specific insurer. Where this occurs, appropriate safeguards such as adequacy decisions or standard contractual clauses will be in place.

6. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected and to meet legal, regulatory, or reporting obligations.

Client records are typically retained for up to six years after the end of our relationship, or longer where required for regulatory compliance.

7. Your Rights

Under data protection law, you have the following rights:

• The right of access to your personal data
• The right to rectification of inaccurate or incomplete data
• The right to erasure of your data where lawful
• The right to restrict processing of your data
• The right to data portability
• The right to object to processing based on legitimate interests
• The right to withdraw consent where processing is based on consent

You can exercise any of these rights by contacting us at: info@sage-financial.co.uk

8. Data Security

We implement appropriate technical and organisational measures to protect your personal data from loss, misuse, or unauthorised access. These measures include secure IT systems, encryption, staff training, and restricted access controls.

9. Complaints

If you have concerns about how your personal data is handled, please contact us in the first instance at: nick.hall@sage-financial.co.uk

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO):

Website: www.ico.org.uk
Telephone: 0303 123 1113

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The most current version will always be available on our website.