Privacy Policy

Who We Are

This Privacy Policy explains how FreeLnc (“we”, “us”, “our”) collects, uses, stores and protects personal information when you visit freelnc.com, contact us or use our personal finance planning and coaching services. FreeLnc is the data controller for the information described here.

Information We Collect

Information you give us

• Contact details such as your name, email address and phone number when you complete a form or contact us.
• Information you share during consultations, including income, spending, savings, debts, investments, insurance cover, family circumstances and financial goals.
• Documents you choose to provide, such as statements, payslips or policy summaries, to help us prepare your plan.
• Payment details needed to invoice and receive our fees.

Information collected automatically

• Technical data such as IP address, browser type, device information and pages visited.
• Cookie and similar technology data, as explained in our Cookie Policy.

We never ask for online banking passwords, PINs, card security codes or one-time passcodes, and you should never send them to us.

How We Use Your Information

• To respond to enquiries and arrange discovery conversations.
• To prepare, deliver and review your financial plan and coaching sessions.
• To send service messages such as appointment confirmations, reminders and plan documents.
• To issue invoices, receive payments and keep accounting records.
• To improve our website, services and client experience using aggregated, non-identifying information.
• To meet legal, regulatory and professional record-keeping obligations.

We only send marketing emails, such as occasional newsletters, if you have opted in. You can unsubscribe at any time using the link in each message.

Legal Bases for Processing

We process personal information where it is necessary to provide a service you have requested or to take steps before entering into an agreement with you; where we have a legitimate interest in running and improving our business that does not override your rights; where we must comply with a legal obligation; and where you have given consent, for example to receive newsletters. Financial details you share are treated as confidential and used only for the purpose you shared them.

Sharing Your Information

We do not sell, rent or trade personal information. We share it only in limited circumstances:

• With carefully selected service providers who help us operate, such as website hosting, secure document storage, email and accounting software. They may only use the data to provide their service to us.
• With professional advisers such as a tax adviser or lawyer, but only with your explicit permission.
• Where required by law, court order or a lawful request from a public authority.
• In connection with a business reorganisation, in which case the information would remain protected by equivalent safeguards.

How Long We Keep Information

Enquiry details from people who do not become clients are deleted within twelve months. Client records, plans and related correspondence are kept for as long as you remain a client and for a further period required for legal, accounting and professional purposes, normally up to six years after our relationship ends. After that, information is securely deleted or anonymised.

How We Protect Information

We use secure, encrypted channels for document sharing, restrict access to client files to the planners working on your plan, use strong authentication on the systems we rely on and review our safeguards regularly. No method of transmission or storage is completely secure, but we work hard to protect your information and will notify you promptly if a breach is likely to affect you.

Your Rights

Subject to applicable law, you may:

• Ask for a copy of the personal information we hold about you.
• Ask us to correct information that is inaccurate or incomplete.
• Ask us to delete information where we no longer need it.
• Object to, or ask us to restrict, certain processing.
• Withdraw consent at any time where processing relies on consent.
• Ask us to transfer information you provided to another organisation.

To exercise any of these rights, email info@freelnc.com. We may need to verify your identity before responding.

Children’s Privacy

Our website and services are intended for adults. We do not knowingly collect personal information from children. Where a plan involves a child’s future, such as education savings, we collect only the minimum details needed from the parent or guardian.

Changes to This Policy

We may update this Privacy Policy to reflect changes in our services or legal requirements. The effective date at the top of this page shows when it was last revised. Significant changes will be highlighted on our website or communicated to clients directly.

How to Contact Us

Questions about this privacy policy can be sent to info@freelnc.com or raised by phone on +880 1719-942176. Our registered business address is listed on our Contact page. We aim to reply to every written request within five working days.