Privacy Policy

Last updated: 15 April 2026

metal-folio Financial Services Ltd ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information You Provide

When you engage with our services or contact us, we may collect information such as:

  • Name and contact details (email address, postal address)
  • Financial information relevant to our services (income details, debt information, investment goals)
  • Employment information
  • Identification documents when required for verification purposes
  • Communication records including emails and consultation notes

Information Collected Automatically

When you visit our website, we may automatically collect certain information about your device and usage patterns, including:

  • IP address and browser type
  • Operating system and device information
  • Pages visited and time spent on our site
  • Referring website addresses
  • Click patterns and navigation paths

How We Use Your Information

We use the information we collect for various purposes, including:

  • Providing and improving our financial guidance services
  • Communicating with you about your enquiries and our services
  • Personalising your experience and tailoring our recommendations
  • Processing transactions and managing your account
  • Sending administrative information such as service updates
  • Analysing usage patterns to improve our website functionality
  • Complying with legal obligations and protecting our rights

Legal Basis for Processing

We process your personal data based on one or more of the following legal grounds:

  • Contract: Processing necessary to provide services you have requested
  • Consent: Where you have given explicit consent for specific purposes
  • Legitimate Interests: Where processing is necessary for our legitimate business interests, provided these don't override your rights
  • Legal Obligation: Where we must process data to comply with the law

Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information in limited circumstances:

  • Service Providers: With trusted third parties who assist in operating our website and conducting our business, bound by confidentiality agreements
  • Professional Partners: When referring you to FCA-regulated advisors for specific product recommendations, with your consent
  • Legal Requirements: When required by law, regulation, or legal process
  • Business Transfers: In connection with any merger, acquisition, or sale of company assets

Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:

  • Encryption of data in transit and at rest
  • Secure access controls and authentication procedures
  • Regular security assessments and updates
  • Staff training on data protection practices
  • Secure document storage and disposal procedures

Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, including satisfying legal, accounting, or reporting requirements. The retention period varies depending on the type of data and our legal obligations.

For client records relating to financial services, we typically retain information for seven years after our business relationship ends, in accordance with regulatory requirements.

Your Rights

Under data protection law, you have rights including:

  • Access: The right to request copies of your personal data
  • Rectification: The right to request correction of inaccurate data
  • Erasure: The right to request deletion of your data in certain circumstances
  • Restriction: The right to request limitation of processing
  • Portability: The right to receive your data in a structured, commonly used format
  • Objection: The right to object to certain types of processing

To exercise any of these rights, please contact us using the details provided below.

Cookies

Our website uses cookies to enhance your browsing experience. For detailed information about the cookies we use and how to manage them, please refer to our Cookies Policy.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any website you visit.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child without parental consent, we will take steps to delete that information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the updated policy on our website with a revised "Last updated" date.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your data protection rights, please contact us:

metal-folio Financial Services Ltd
47 Victoria Street
Birmingham, B1 3PE
United Kingdom
Email: [email protected]

Supervisory Authority

If you are not satisfied with our response to a privacy concern, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues.