Cutter & Co Ltd gather and process your personal information in accordance with this privacy notice and in compliance with the relevant data protection Regulation and laws. This notice provides you with the necessary information regarding your rights and our obligations, and explains how, why and when we process your personal data.
Cutter & Co’s registered office is at 3 Lyttleton Court, Birmingham Street, Halesowen, B63 3HN and we are a company registered in England and Wales under company number 07252989 We are registered on the Information Commissioner’s Office Register; registration number Z2251884 and act as the data processor when processing your data.
Cutter & Co Ltd processes your personal information to meet our legal, statutory and contractual obligations and to provide you with our products and services. We will never collect any unnecessary personal data from you and do not process your information in any way, other than as specified in this notice.
The personal data that we collect from is: –
Date of Birth
National Insurance Number
Unique Tax Reference
Driver’s License Number
Sources of Income (Employer details/Pension details etc)
We collect information in the below ways: –
Cutter & Co Ltd takes your privacy very seriously and will never disclose, share or sell your data without your consent; unless required to do so by law. We only retain your data for as long as is necessary and for the purpose(s) specified in this notice. Where you have consented to us providing you with promotional offers and marketing, you are free to withdraw this consent at any time. The purposes and reasons for processing your personal data are detailed below: –
We collect your personal data in the performance of a contract or to provide a service and to ensure that our services are completed and can be sent out to your preferred address
We collect and store your personal data as part of our legal obligation for business accounting and tax purposes
We have legal obligations under money laundering regulations. To satisfy these legal obligations, in certain circumstances we may need to share your personal data with Smartcredit Limited who are a credit reference agency and provide us with financial background checks prior to commencement of our services.
We will occasionally send you marketing information where we have assessed that it is beneficial to you as a customer and in our interests. Such information will be non-intrusive and is processed on the grounds of legitimate interests
You have the right to access any personal information that Cutter & Co processes about you and to request information about: –
What personal data we hold about you
The purposes of the processing
The categories of personal data concerned
The recipients to whom the personal data has/will be disclosed
How long we intend to store your personal data for
If we did not collect the data directly from you, information about the source
If you believe that we hold any incomplete or inaccurate data about you, you have the right to ask us to correct and/or complete the information and we will strive to do so as quickly as possible; unless there is a valid reason for not doing so, at which point you will be notified.
You also have the right to request erasure of your personal data or to restrict processing (where applicable) in accordance with the data protection laws; as well as to object to any direct marketing from us. Where applicable, you have the right to data portability of your information and the right to be informed about any automated decision-making we may use.
If we receive a request from you to exercise any of the above rights, we may ask you to verify your identity before acting on the request; this is to ensure that your data is protected and kept secure.
We do not share or disclose any of your personal information without your consent, other than for the purposes specified in this notice or where there is a legal requirement. Cutter & Co Ltd does use third-parties to provide the below services and business functions; however, all processors acting on our behalf only process your data in accordance with instructions from us and comply fully with this privacy notice, the data protection laws and any other appropriate confidentiality and security measures.
We occasionally use Receipt Bank Ltd to process some of our purchase invoice analysis they act in the capacity of a processor on our behalf. The only information we provide them with is the information contained on the receipts themselves.
For more information about Receipt Bank Ltd, please read their Privacy Notice at https://www.receipt-bank.com/privacy-policy/
We use Hosted Accountants (a member of the Indigo Group) to provide us with a hosted desktop and store our data on their data centres. Hosted Accountants do not process any data but their support teams will have log-on access to the personal information stored in these data centres.
For more information about Hosted Accountants, please see https://www.hostedaccountants.co.uk/
Cutter & Co Ltd takes your privacy seriously and takes every reasonable measure and precaution to protect and secure your personal data. We work hard to protect you and your information from unauthorised access, alteration, disclosure or destruction and have several layers of security measures in place, including: –
Content and Web Site Filtering
Sourcefire Snort Intrusion Protection
Double Layer IT authentication
Gateway Anti-Virus and Anti Phishing
You are not obligated to provide your personal information to Cutter & Co Ltd, however, as this information is required for us to provide you with our services, we will not be able to offer some/all our services without it.
As noted in the ‘How We Use Your Personal Data’ section of this notice, we occasionally process your personal information under the legitimate interests’ legal basis. Where this is the case, we have carried out a thorough Legitimate Interests’ Assessment (LIA) to ensure that we have weighed your interests and any risk posed to you against our own interests; ensuring that they are proportionate and appropriate.
We use the legitimate interests’ legal basis for passing our clients personal contact information to third parties and have identified that our interests are financial advice and planning and fee protection insurance for our clients.
Cutter & Co Ltd only ever retains personal information for as long as is necessary and we have strict review and retention policies in place to meet these obligations.
We will hold this data until such time as our services are no longer required in order to allow us to carry out the requested services.
We are then required under UK tax law to keep your basic personal data (name, address, contact details) for a minimum of 6 years after which time it will be destroyed.
In addition to your basic personal data we will continue to hold any electronic financial data, accounts, working papers, payroll records and correspondence for the same period. We use the legitimate interests’ legal basis as this data would allow us to respond to any enquiry into the records by HMRC or any third party.
Paper files will be returned to you on disengagement.
Where you have consented to us using your details for direct marketing, we will keep such data until you notify us otherwise and/or withdraw your consent.
Cutter & Co Ltd only processes your personal information in compliance with this privacy notice and in accordance with the relevant data protection laws. If, however you wish to raise a complaint regarding the processing of your personal data or are unsatisfied with how we have handled your information, you have the right to lodge a complaint with the Information Commissioner’s Office which can be found here – https://ico.org.uk/concerns/handling/