đImportant: BankingTimes.co.uk provides general information only on topics such as equity release, SIPPs, and other financial products. We do not offer personal financial advice. BankingTimes acts as an introducer to FCA-regulated partners and may receive a commission if you proceed with a product or service through our introductions. This comes at no cost to you and does not influence our editorial independence.
Privacy Policy
We understand the importance of transparency and trust when it comes to handling your personal information and we want you to feel confident in how we process your data.â
This page is regularly reviewed for accuracy.
Last Reviewed: 16 Jul 2025
Who We Are
BankingTimes is an independent personal finance website registered in England (14009590) and with the ICO (ZB398300).
We are not FCA-regulated and act only as an introducer to Age Partnership Limited (FCA FRN 425432) for regulated advice.
Protecting Your Privacy
At BankingTimes, we are committed to safeguarding your privacy and handling your personal information with the highest standards of care and confidentiality.
We regularly review and audit our privacy and security controls to ensure they remain compliant with UK data-protection and industry standards.
How We Use Your Information
We take your personal data seriously and handle it under strict privacy standards.
We may share your SIPPs or equity release enquiry with FCA-regulated advisers so they can respond, but we never sell your details.
Purpose of This Policy
This Privacy Policy explains how we collect, use, and disclose your personal information.
It is designed to give you a clear understanding of our privacy practices when you interact with the BankingTimes.co.uk website (âWebsiteâ).
What You Should Do
We encourage you to read this Privacy Policy carefully so that you understand exactly how your personal information is handled.
Being informed will help you feel confident about the ways in which we protect your data.
Your Agreement
By using our Website, you agree to the terms of this Privacy Policy and understand how we protect your personal information.
Your continued use of our services signifies your acceptance of these practices.
Whatâs Covered in This Privacy Policy
This Privacy Policy outlines how we handle and protect your personal information. Below is an overview of the topics covered, from the data we collect to your rights under privacy laws.
Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our practices, technology, or legal requirements. Updated versions will appear on this page with a clearly marked âLast Updatedâ date.
Updates may include adjustments to how we collect, use, or protect your personal information.
Any significant changes will be clearly and prominently highlighted so you can review them easily.
We encourage you to check this page periodically to stay informed about how we protect your privacy.
Information We Collect
We collect both personal and non-personal information to operate our services effectively and improve your experience on the BankingTimes website.
This may include details you provide directly, information gathered automatically as you use the site, and data from third-party sources that help us enhance our services.
Examples of information we may collect:
Personal details such as your name, address, phone number, and email address.
Website data including pages visited, time spent, and feature interactions.
Technical information such as your IP address, browser type, and device settings.
Cookie and tracking data used to improve and personalise your experience.
đImportant: We only collect the details necessary to provide you with the services you request, we never ask for sensitive financial details such as bank accounts or credit card numbers.
Personal Information
We handle your personal information with care and respect, including details such as your name, address, phone number, and email.
This information may be used to provide our services and share relevant third-party offers. You can opt out at any time and request deletion or limited use of your data.
Examples of personally identifiable information:
Name
Address
Email Address
Phone Number
Website Use Information
We log details of your visits to the Website, including pages viewed, browser type, IP address, referring URL, and timestamps.
This information helps us maintain and improve the Website, and may be analysed in aggregate to understand user behaviour and preferences.
Information Sharing and Disclosure
We may share your information when required or permitted by law, or when necessary to protect our rights, enforce our terms, or comply with legal processes.
Circumstances where disclosure may occur:
Unlawful Activity
If we believe the Website is being used, or has been used, to commit unlawful acts, we may release relevant information to assist in preventing or investigating such activities.
This includes fraud, cybercrime, or any other illegal conduct.
Law Enforcement Requests
If we receive a verified request from police or enforcement authorities in the UK or abroad, we may share relevant information to assist investigations.
This happens only when the request meets legal standards.
Legal Requirements
When required by subpoena, court order, or other legal processes, we will disclose the necessary information to comply with those obligations.
Breach of Agreement
If you violate or breach any agreement with the Website, we may share information to protect our rights and address the breach.
Business Transfers
In the event of a sale, merger, acquisition, bankruptcy, or change in ownership, your information may be transferred to the successor entity.
Protection of Rights and Safety
We may share your information if we believe you may harm, or have harmed, our property rights, our members, employees, other Website users, or trusted third parties.
Fraudulent or Invalid Information
If you submit false, misleading, or otherwise invalid information, we may disclose it to relevant authorities or trusted third parties as necessary.
Other Necessary Disclosures
We may share limited contact details with FCA-regulated introducer partners to respond to your enquiry. These partners must protect your data under strict confidentiality rules.
SMS Rates and Fees
In addition to any fees we may notify you of, your mobile providerâs standard messaging rates apply to our confirmation messages and any subsequent SMS correspondence sent through the Website.
Use of Cookies
We use cookies to make our site easier to use and to improve our content. You can control which cookies you accept through our cookie banner or browser settings.
Advertising cookies are optional, and we do not sell your personal details to advertisers.
Security & Personalisation
Validating your login, maintaining account privacy, and securely tailoring content or recommendations based on your activity.
Website Performance Monitoring
Monitoring site traffic patterns and understanding how visitors interact with the Website to improve overall functionality and user experience.
Personalised Advertising
Enabling trusted partners to deliver relevant ads, which may include linking your details to purchase history or browsing activity from other sites.
Legal Bases for Processing Your Data Under UK GDPR and EU GDPR
We only process your personal data when we have a valid legal reason, such as when you give consent, when it is needed to fulfil your request, when required by law, or when it supports our legitimate interests like improving our services.
Examples of legal bases include:
Your Consent â When youâve knowingly agreed to specific personal data processing activities.
Contractual Necessity â To perform a contract with you or take pre-contract steps at your request.
Legal Obligation â To comply with relevant laws or regulatory requirements and obligations.
Legitimate Interests â To pursue our own or a third partyâs legitimate business purposes, balanced against your rights.
Data Retention
We only keep your information for as long as needed to handle your enquiry and meet legal requirements. In most cases, this is no longer than 12 months, after which your data is securely deleted.
Securing Information
We protect your information using industry-standard security measures, including SSL encryption, network monitoring, and physical safeguards.
Our systems are subject to regular security testing and staff training, ensuring that all personal data is handled with due skill, care, and diligence.
Email or mail communications may not be secure unless we confirm otherwise, so we advise against sending sensitive details this way.
Access / Accuracy
If you need to update or correct personal information youâve provided, send us the changes and weâll make reasonable efforts to promptly amend the details in our records.
Links
Our Website may contain links to third-party sites, including those we do not control or endorse.
We are not responsible for their privacy practices, so we recommend reviewing the privacy policies of all external websites you visit.
Your Rights Under the UK GDPR and the EU GDPR
If you are a UK or EEA resident, you have specific rights and protections under UK GDPR and EU GDPR.
We support these rights in full and provide clear channels for you to access, amend, delete, or limit use of your information at any time.
Access & Portability
Request a copy of your personal data and, where applicable, receive it in a structured, machine-readable format.
Restriction & Objection
Limit processing or object to processing, including where based on legitimate interests.
Correction
Update or rectify any inaccurate, outdated, or incomplete personal data we hold about you.
Deletion
Request that we delete your personal data, unless we are legally required to retain it.
Complain
Lodge a complaint with your local supervisory authority, such as the UK Information Commissionerâs Office (ICO).
Withdraw Consent
Revoke your consent for specific processing, including opting out of direct marketing.
Exercising your rights:
To make a request, email dataprotect@bankingtimes.co.uk stating the right you wish to exercise and that it is under the GDPR. We may need to verify your identity or confirm the authority of any third party making the request on your behalf.
Children
In line with the Childrenâs Online Privacy Protection Act (COPPA), our Website and advertisements are not directed toward or intended to attract children.
We do not knowingly collect personal information from anyone under 16 years of age, and if we become aware that we have done so, we will promptly delete it.
Still Have a Question?
If you have any questions or need further information about this Privacy Policy, please contact our legal or compliance team.
Contact Us