Skip to main content

Privacy Policy

Privacy Policy

1. Introduction
We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, store and protect your personal data when you visit our website or engage with our services. By using our website or contacting us, you accept the practices described in this policy.

2. Who we are
The Company is AB Vision Financial Ltd, registered in Scotland, trading at 15 Miller Road, Ayr KA7 2AX, telephone 01292 263001, email info@abvision.co.uk. We provide independent financial advice (including pensions, savings & investments, mortgages, protection and estate planning) as per our website.

3. Personal data we collect
We may collect the following categories of personal data:

  • Contact information: name, postal address, email address, telephone number.

  • Financial & personal circumstances: income, assets, liabilities, pension history, investment objectives, risk tolerance.

  • Identity documents & verification data (for regulatory / compliance purposes).

  • Website usage data: IP address, browser type/version, pages accessed, session duration, referral URL, cookies and other similar tracking technologies.

  • Communications data: any correspondence between you and us (via phone, email, chat or other).

4. How we collect your data
We collect your personal data when you:

  • Complete contact forms on our website or otherwise submit your details to us.

  • Engage us to provide financial advice or services.

  • Communicate with us by telephone, email or social media.

  • Visit and use our website – certain data is collected automatically via cookies and server logs.

5. Purposes for which we use your data
We use your personal data for the following purposes:

  • To provide you with financial advice and related services, tailored to your circumstances.

  • To assess your needs, suitability and eligibility for financial products or services.

  • To meet our regulatory and legal obligations, including anti-money-laundering, client identification and advice-suitability records.

  • To communicate with you, respond to enquiries and provide customer support.

  • To administer, manage and improve our website, including analysing usage and trends.

  • For marketing and promotional purposes – only if you have provided your valid consent or we otherwise have a lawful basis.

  • To protect our rights, property and business operations and to detect and prevent fraud or other illegal activities.

6. Legal basis for processing
In the UK/EEA we process your personal data on one or more of the following legal bases:

  • Contractual necessity – to perform the advice or services you have requested.

  • Legal obligation – to comply with regulatory obligations incumbent on us as a financial adviser and regulated firm.

  • Legitimate interests – for our business operations such as improving our website or securing our systems, provided such interests are not overridden by your rights and interests.

  • Consent – where you have expressly given your permission (for example marketing communications).

7. Disclosure of your personal data
We may share your personal data with:

  • Our appointed third-party service providers (such as IT/hosting providers, secure document storage, CRM systems) who act as our processors under contract.

  • Financial product providers, lenders, insurers and other counterparties as necessary to provide advice and arrange services.

  • Regulators, law enforcement or other authorities where required by law or to protect our rights.

  • Any successor in business (for example if we merge or transfer part or all of our business).

8. International transfers
If we transfer your personal data outside the UK/EEA we will ensure appropriate safeguards are in place (such as Standard Contractual Clauses) so your data receives an adequate level of protection.

9. Data retention
We will retain your personal data only for as long as is necessary for the purposes set out above, taking into account applicable legal, regulatory, accounting or reporting requirements. When data is no longer required, it will be securely deleted or anonymised.

10. Your rights
Depending on your jurisdiction you may have the following rights regarding your personal data:

  • The right to request access to your personal data and obtain a copy.

  • The right to request correction of inaccurate or incomplete data.

  • The right to request erasure of your personal data (‘right to be forgotten’) where appropriate.

  • The right to request restriction of processing.

  • The right to object to processing on grounds relating to your particular situation.

  • The right to data portability (where relevant).

  • The right to withdraw consent at any time (where processing is based on consent).
    To exercise any of these rights, please contact us using the details above. We may need to verify your identity before responding.
    You also have the right to lodge a complaint with the UK Information Commissioner’s Office (ICO) if you believe we are not processing your data in accordance with applicable law.

11. Cookies and similar technologies
Our website uses cookies and similar tracking technologies to distinguish you from other users, to personalise your experience, to analyse usage and to deliver targeted content (where permitted). You can adjust your browser settings to refuse cookies, but this may limit your ability to use certain features of the website.
(You may want to include details of the specific cookies used and their purposes.)

12. Security
We take appropriate technical and organisational measures to protect your personal data from unauthorised or unlawful processing, accidental loss, destruction or damage. These measures are reviewed periodically. However, no internet transmission is completely secure and we cannot guarantee absolute security.

13. Links to other websites
Our website may contain links to other websites that are not operated by us. If you follow a link to another site, please note that we have no control over that site, its content or its privacy practices. You should review the privacy policy of every site you visit.

14. Changes to this policy
We may update this Privacy Policy from time to time (for example to reflect changes in law, regulation or our business model). When we do so we will post the updated policy on this website and update the “last revised” date accordingly. We encourage you to check back periodically.

15. Contact us
If you have any questions about this Privacy Policy, our processing of your personal data or wish to exercise any of your rights, please contact us at:
Email: info@abvision.co.uk
Telephone: 01292 263001
Address: 15 Miller Road, Ayr KA7 2AX

Last revised: 5/11/2025.