Privacy policy

1. Introduction

This privacy policy outlines how we collect and process data from you through our services, including our website and mobile app, and data obtained from third parties. Please read it carefully to understand our practices regarding your personal data and how we handle it in compliance with the Data Protection Act 2018 and the UK General Data Protection Regulation (UK GDPR). For comments or questions, please email [email protected].

2. Who We Are

Beach Finance Ltd is the data controller responsible for your personal information. Our contact details are:

• Website: beach.org
• Company Name: Beach Finance Ltd
• Registered Address: 128 City Road, London, United Kingdom, EC1V 2NX

3. Data Collection

We may collect and process the following data:

• Information you provide via our digital services, phone calls, emails, postal mail, or social media;
• Identity details and documentation provided online and offline;
• Data from third parties contacted using your provided information;
• Details of transactions conducted through our services;
• Usage details of our website and mobile app, including resource usage, interaction details, device information (e.g. IP address, browser, operating system), and cookie settings;
• Personal data you provide on behalf of others under a power of attorney, including mental health information and your role as an attorney;
• Records of correspondence, including emails, postal mail, and recorded phone conversations.

4. Legal Basis for Processing

Under UK GDPR, we ensure your personal data is processed lawfully, fairly, and transparently. We will only process your data if one of the following applies:

• You have given consent for specific purposes;
• Processing is necessary for a contract you are part of or to take steps at your request before entering a contract;
• Processing is required for compliance with a legal obligation;
• Processing is necessary to protect vital interests;
• Processing is necessary for public interest tasks or official authority;
• Processing is for legitimate interests pursued by us or a third party, except where overridden by fundamental rights and freedoms, especially for children.

Typically, we process your data based on the necessity for contract performance or steps requested before entering a contract.

5. How We Use Your Data

We use your data to:

• Provide, monitor, and improve our services;
• Perform internal operations to prevent fraud and abuse;
• Confirm your identity using third-party databases (without performing a credit check);
• Locate existing pensions by liaising with various entities;
• Consolidate pensions into your chosen pension;
• Send communications related to similar products and services;
• Send newsletters and push notifications;
• Respond to regulatory, government, or legal requests.

6. Cookies and Similar Technologies

Our services use cookies or similar technologies to collect information about your access to the services. Cookies are small data files stored on your device. We use cookies to:

• Manage essential sessions and keep users logged in;
• Recognise returning users to manage capacity;
• Collect statistics on service usage to improve services;
• Track advertising effectiveness and tailor ads.

We seek your consent for non-essential cookies. You can control cookies through your browser settings. Blocking cookies may limit website functionality.

Our mobile app uses similar technologies as cookies to store information on your device for similar goals.

7. Data Storage and Security

We may transfer and store your data outside the UK. We ensure appropriate protections are in place with suppliers when transferring data.

By providing your personal data, you consent to this arrangement. We strive to keep your data secure but cannot guarantee complete security.

We retain your data as long as necessary for described uses and as permitted. We conduct annual reviews to determine retention needs. Regulatory requirements may necessitate indefinite retention of certain data.

After terminating your Beach account, we may retain data as required by law or for legitimate business purposes, such as resolving fraud or Terms violations.

8. Disclosure of Your Information

We may disclose your information in the following cases:

• To potential buyers if selling our business;
• To other businesses in our group;
• To comply with legal obligations or protect others' property, safety, or rights;
• To exchange information to protect against fraud or credit risks.

We may contract third parties for services, including payment processing and  marketing. These third parties may need access to your data. Contact us for further details on data sharing arrangements.

We ensure third-party data handling is secure and in accordance with UK GDPR and the law.

9. Your Rights

You can opt out of marketing by adjusting account settings or contacting us at [email protected]. You may still receive non-promotional communications related to your Beach account.

Under UK GDPR, you have the right to:

• Request access, deletion, or correction of your personal data;
• Request data transfer to another person (data portability);
• Be informed about data processing;
• Restrict processing;
• Object to data processing;
• Complain to a supervisory authority.

Beach will comply with requests regarding personal data as permitted by law. You can correct your Beach account information at any time.

For privacy-related requests or questions, contact us at [email protected]. If dissatisfied, you can complain to the Information Commissioner’s Office (ICO) at: https://ico.org.uk/make-a-complaint

10. Links to Other Websites

Our Terms and policies do not apply to other websites accessed via links from our site. We advise checking the privacy policies of those websites before providing data.

11. Policy Changes

We will post changes to this privacy policy on this page. We may also notify you via email.

Last updated: 05/11/2024