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Know Your Options
  • Home
  • How We Work
  • Our Services
    • Pension
      • Auto Enrolment
      • Personal Pension
    • Wills and Trusts
    • Tax
  • FAQ
  • News
  • Contact
  • 0800 689 3238
  • TwitterTwitter Logo
  • FacebookFacebook Logo
  • LinkedInLinkedIn Logo
  • Google Plusgoogleplus

Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, phone number or other details to help you with your experience.

When do we collect information?

We collect information from you when you fill out a form or enter information on our site.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

      • To follow up with them after correspondence (live chat, email or phone inquiries)

How do we protect your information?

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

We use regular Malware Scanning.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use 'cookies'?

Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognise your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:

      • Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since the browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, Some of the features that make your site experience more efficient may not function properly.It won't affect the user's experience that makes your site experience more efficient and may not function properly.

Third-party disclosure

We do not sell, trade, or otherwise, transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-party links

We do not include or offer third-party products or services on our website.

Google

Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We use Google AdSense Advertising on our website.

Google, as a third-party vendor, uses cookies to serve ads on our site. Google's use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.

We have implemented the following:

We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.

Opting out:

Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt-out by visiting the Network Advertising Initiative Opt-Out page or by using the Google Analytics Opt-Out Browser add-on.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. - See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA, we agree to the following:

Users can visit our site anonymously.

Once this privacy policy is created, we will add a link to it on our homepage or as a minimum, on the first significant page after entering our website.

Our Privacy Policy link includes the word 'Privacy' and can easily be found on the page specified above.

You will be notified of any Privacy Policy changes:

      • On our Privacy Policy Page

Can change your personal information:

      • By emailing us

      • By calling us

How does our site handle Do Not Track signals?

We honour Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third-party behavioural tracking?

It's also important to note that we do not allow third-party behavioural tracking

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

We do not specifically market to children under the age of 13 years old.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

We will notify you via email

      • Within 7 business days

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

      • Send information, respond to inquiries, and/or other requests or questions

To be in accordance with CANSPAM, we agree to the following:

      • Not use false or misleading subjects or email addresses.

      • Identify the message as an advertisement in some reasonable way.

      • Include the physical address of our business or site headquarters.

      • Monitor third-party email marketing services for compliance, if one is used.

      • Honour opt-out/unsubscribe requests quickly.

      • Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at

      • Follow the instructions at the bottom of each email.

and we will promptly remove you from ALL correspondence.

Contacting Us

If there are any questions regarding this privacy policy, you may contact us using the information below.

https://www.know-your-options.co.uk

55 Park Road

Golborne, Lancashire WA3 3PT

UK

info@know-your-options.co.uk

08006893238

Last Edited on 2017-03-08

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About Us

Know Your Options does not give financial advice and are not authorised or regulated to do so. We work with partners, as introducers, who are regulated by the Financial Conduct Authority (FCA) and we can introduce you to Independent Financial Advisors (IFAs) who are authorised to give financial advice if you would like us to do so. Know Your Options are not liable for any financial advice provided by, or obtained through, a third party. The website is for information purposes only, to assist you in gathering information.

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You currently have access to a subset of X API V2 endpoints and limited v1.1 endpoints (e.g. media post, oauth) only. If you need access to this endpoint, you may need a different access level. You can learn more here: https://developer.x.com/en/portal/product

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Testimonials

The best decision we ever made..

“The best decision we ever made was to have a co-ordinated approach by one company - to have our personal and business financial affairs looked at by one person with no conflict of interest and to have that company refer us to different professionals where relevant, has resulted in us... Read More
2016-11-17T13:32:12+00:00
“The best decision we ever made was to have a co-ordinated approach by one company - to have our personal and business financial affairs looked at by one person with no conflict of interest and to have that company refer us to different professionals where relevant, has resulted in us having peace of mind that all our concerns are now a thing of the past. We have one point of contact who ensures that any ongoing issues are dealt with in a timely and professional manner and we would happily recommend this service to family, friends and business owners“ SS - Basildon
http://www.know-your-options.co.uk/testimonials/the-best-decision-we-ever-made/

Know Your Options have given first class support

“In my experience Know Your Options have given first class support, not only to understand how poorly my FSAVC pension was performing but on how to research my SIPP options and the relevant pension regulations surrounding SIPPs, which can make transferring between pensions very challenging as the paperwork in itself... Read More
2016-11-17T13:33:02+00:00
“In my experience Know Your Options have given first class support, not only to understand how poorly my FSAVC pension was performing but on how to research my SIPP options and the relevant pension regulations surrounding SIPPs, which can make transferring between pensions very challenging as the paperwork in itself is a mine field. I believe that when my SIPP pension is finalised it will optimise my provisions for my retirement by growing my pension from 2% per annum to nearer 10% per annum. Know Your Options is well versed in the latest relevant regulations, which appear to change regularly, and are top line professionals in their field who can assist in any fine points where things need to be explained. I believe through their assistance I will be far more financially comfortable in the future when I retire. Know Your Options have helped me better understand complex pension legislation, set-up administration and even reduce my annual administrative charges. Therefore I am very appreciative of the assistance they have already provided and have every confidence that their support will bring better financial dividends to what I was previously relying on as well.” SL - East Sussex
http://www.know-your-options.co.uk/testimonials/know-your-options-have-given-first-class-support/

The value of our investments have now risen every year

“Before we met our Know Your Options Consultant we had so many different advisors and although all professional in their own field, we never felt that all our planning/financial affairs were as they should be. To have someone take an overview of both our business and financial requirements and introduce... Read More
2016-11-17T13:45:27+00:00
“Before we met our Know Your Options Consultant we had so many different advisors and although all professional in their own field, we never felt that all our planning/financial affairs were as they should be. To have someone take an overview of both our business and financial requirements and introduce us to other specialists who work with them, has resulted in a strategy that protected our estate from threats, given us an exit strategy from the business and solved areas that had not been looked at before such as Wills and Estate Planning. The value of our investments have now risen every year and we successfully retired earlier than we ever thought possible.” EB - Pocklington
http://www.know-your-options.co.uk/testimonials/the-value-of-our-investments-have-now-risen-every-year/

I am much happier going towards retirement

“After deciding that it was about time I did something about my pension which didn’t seem to be performing well and certainly didn’t look like it was going to fund my retirement as I had hoped it would, I decided to go with Know Your Options to review my pension... Read More
2016-11-17T13:46:10+00:00
“After deciding that it was about time I did something about my pension which didn’t seem to be performing well and certainly didn’t look like it was going to fund my retirement as I had hoped it would, I decided to go with Know Your Options to review my pension and see what options were available to me, if any. I was amazed at the opportunity that was shown to me that would significantly increase my pension pot compared to how it had been performing. I knew barely anything about pensions before but with the help and guidance of Know Your Options I feel far more confident, knowledgeable and now in control of my own pension and investments. I am now much happier going towards retirement and only wish I’d done this earlier.” PB - West Midlands
http://www.know-your-options.co.uk/testimonials/i-am-much-happier-going-towards-retirement/

I would highly recommend KYO.

“Know Your Options have helped me understand and plan for both my Tax and Retirement, from a starting point where I knew very little. I can relax now in the knowledge that I have finally organised my finances, and put in place LPAs and Trusts to ensure I leave things... Read More
2016-11-17T13:46:52+00:00
“Know Your Options have helped me understand and plan for both my Tax and Retirement, from a starting point where I knew very little. I can relax now in the knowledge that I have finally organised my finances, and put in place LPAs and Trusts to ensure I leave things where I would want to. I would highly recommend KYO.” DS - North West
http://www.know-your-options.co.uk/testimonials/i-would-highly-recommend-kyo/

I would recommend that everybody meet with a Know Your Options Consultant

“Before I was visited by Know Your Options, I was pretty naïve, in terms of financial matters, and the options open to me. Know Your Options, having taken the time to understand my position and what I was wanting to achieve, made me aware of simple things I could do... Read More
2016-11-17T13:47:47+00:00
“Before I was visited by Know Your Options, I was pretty naïve, in terms of financial matters, and the options open to me. Know Your Options, having taken the time to understand my position and what I was wanting to achieve, made me aware of simple things I could do which have considerably improved my position. I now have control of my own pension planning, and feel far more optimistic about my pension income when I retire. I would recommend that everybody at least consider meeting with a Know Your Options Consultant, as the service they offer is extremely thorough, and every option required is available” JK - South West
http://www.know-your-options.co.uk/testimonials/i-would-recommend-that-everybody-meet-with-a-know-your-options-consultant/

Know Your Options really helped me understand my pension options

“Know Your Options really helped me understand my pension options. I have moved from a position where I wasn’t sure of what my pension situation was, to where I have confidence I am getting the very best value from my pension savings” JH - Midlands
2016-11-17T13:48:23+00:00
“Know Your Options really helped me understand my pension options. I have moved from a position where I wasn’t sure of what my pension situation was, to where I have confidence I am getting the very best value from my pension savings” JH - Midlands
http://www.know-your-options.co.uk/testimonials/know-your-options-really-helped-me-understand-my-pension-options/
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