Privacy Policy

How we collect, use, and protect your data

Last updated: April 2026

Introduction

Family Capital Limited ("we", "us", or "our") is committed to protecting and respecting your privacy. This policy explains how we collect, use, store, and share your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Family Capital Limited (Company No. 10457142), registered at 68 King William Street, London EC4N 7HR, is the data controller for the purposes of data protection legislation. We are registered with the Information Commissioner's Office (ICO), registration reference ZA218877.

For data protection queries, please contact our Compliance Officer at info@familycapital.co.uk or write to us at 68 King William Street, London EC4N 7HR.

What Data We Collect

We may collect and process the following personal data:

  • Name, address, date of birth, and contact details
  • Financial information including income, assets, tax status, and investment history
  • National Insurance number, tax identification numbers
  • Employment details and source of wealth/funds
  • Identity verification documents (passport, driving licence)
  • Information gathered through your use of our website (cookies, IP address)
  • Records of correspondence and communications with us

How We Use Your Data

We use your personal data for the following purposes:

  • To provide financial planning and wealth management services
  • To comply with our legal and regulatory obligations (including anti-money laundering requirements)
  • To carry out identity verification and due diligence checks
  • To communicate with you about your accounts and our services
  • To improve our services and your experience
  • To manage our business operations and maintain records

Legal Basis for Processing

We process your personal data on the following legal bases:

  • Contractual necessity: processing is necessary for the performance of our agreement with you to provide financial services
  • Legal obligation: processing is necessary to comply with our regulatory obligations under FCA rules, anti-money laundering regulations, and tax legislation
  • Legitimate interests: processing is necessary for our legitimate business interests, such as improving services, managing risk, and preventing fraud
  • Consent: where you have given specific consent for us to process your data for a particular purpose (e.g., marketing communications)

Who We Share Your Data With

We may share your personal data with the following categories of third parties, where necessary and appropriate:

  • Investment platform providers and custodians
  • Product providers and fund managers
  • Regulatory bodies including the FCA and HMRC
  • Professional advisers (solicitors, accountants, auditors)
  • Identity verification and credit reference agencies
  • IT service providers who support our systems

We will never sell your personal data to third parties. Where we share data with service providers, appropriate data processing agreements are in place.

International Data Transfers

Some of our platform providers and technology partners may process data outside the UK. Where this occurs, we ensure appropriate safeguards are in place, including standard contractual clauses approved by the UK Information Commissioner, to protect your personal data to the same standard as required under UK GDPR.

Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, regulatory, and reporting requirements. In most cases, we retain client records for a minimum of seven years after the end of our business relationship, in line with FCA requirements.

Data Security

We have implemented appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security assessments.

Your Rights

Under data protection legislation, you have the following rights:

  • Right of access: to request a copy of the personal data we hold about you
  • Right to rectification: to request correction of inaccurate or incomplete data
  • Right to erasure: to request deletion of your data where there is no compelling reason for continued processing
  • Right to restrict processing: to request that we limit how we use your data
  • Right to data portability: to request transfer of your data in a structured, machine-readable format
  • Right to object: to object to processing based on legitimate interests or for direct marketing
  • Right to withdraw consent: where processing is based on consent, you may withdraw it at any time

To exercise any of these rights, please contact us at info@familycapital.co.uk.

Automated Decision-Making

We do not use automated decision-making or profiling in the provision of our financial planning services. All advice and recommendations are made by qualified professionals.

Cookies

Our website uses cookies to distinguish you from other users and to improve your experience. Cookies are small text files placed on your device. We use essential cookies required for the website to function, as well as analytics cookies to help us understand how visitors use the site.

You can control cookie settings through your browser. Disabling certain cookies may affect the functionality of the website.

Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

Complaints

If you are unhappy with how we have handled your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):

  • Website: ico.org.uk
  • Post: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
  • Telephone: 0303 123 1113

We would, however, appreciate the opportunity to address your concerns before you contact the ICO. Please reach out to us at info@familycapital.co.uk.