1. Who is responsible for your personal information
SGB Finance is responsible for the personal information described in this policy. Our contact details are Ruby House, 8 Ruby Place, Aberdeen; [email protected]; and +33695724985. The Director is Louis Nelson. Our VAT number is GB 525980075 and our registration date is 2026-08-23.
If you have a question about privacy, wish to exercise a data-protection right or want clarification about how information relating to an assessment enquiry is handled, you can contact us using the details above.
2. Information we collect
When you submit the assessment form or contact us, we may receive your name, email address, telephone number, the area of financial risk you want to discuss and any information you choose to provide in the message field. During subsequent communications, you may choose to provide further information about income, regular expenditure, savings, property or other financial commitments to the extent it is relevant to the assessment you request.
Please do not send passwords, payment-card security details, bank login credentials or other authentication information. We do not ask for those details in the enquiry form. We may also receive basic technical and security information generated when a website is accessed, where this is necessary to deliver, protect and maintain the service.
3. Why we use information and our lawful bases
We use enquiry information to respond to you, understand the scope of the financial-risk assessment you are requesting, arrange communications and provide the service you have asked us to discuss. Depending on the circumstances, this processing may be necessary to take steps at your request before entering into an arrangement, or it may be based on our legitimate interests in operating and protecting our service and managing genuine enquiries.
Where the law requires consent for a particular form of electronic communication or for non-essential storage and access technologies, we rely on consent and provide the relevant choice before that activity takes place. We do not treat silence, inactivity or simply continuing to browse as consent where an active choice is required.
4. How long information is kept
We keep personal information only for as long as reasonably necessary for the purpose for which it was collected, including responding to an enquiry, carrying out an agreed assessment, maintaining appropriate business records and meeting legal obligations. The appropriate period depends on the nature of the information, the stage of the enquiry or service relationship and whether there is an ongoing need to retain a record.
When information is no longer needed for a legitimate purpose, it is deleted, anonymised or otherwise placed beyond ordinary use in accordance with appropriate retention practices. We do not retain information indefinitely merely because it may be useful in the future.
5. Sharing information and international transfers
Personal information may be made available to service providers that support essential business operations where this is necessary for them to perform a service on our behalf. Such access is limited to the relevant purpose and is subject to appropriate confidentiality, security and data-protection obligations. We may also disclose information where required by law, a court order or a competent authority.
If personal information is transferred outside the United Kingdom, we take steps required by applicable data-protection law to ensure that the transfer has an appropriate legal basis and safeguards. We do not sell personal information to third parties.
6. Your data-protection rights
Under the UK GDPR and the Data Protection Act 2018, you may have rights to request access to personal information, correction of inaccurate information, erasure in certain circumstances, restriction of processing, data portability where applicable and objection to processing based on legitimate interests. Where processing relies on consent, you may withdraw that consent without affecting the lawfulness of processing carried out before withdrawal.
Rights are subject to legal conditions and exemptions. We may need enough information to confirm your identity and understand the request before acting on it. You also have the right to raise a concern with the Information Commissioner’s Office if you believe your data-protection rights have been infringed.
7. Cookies and similar technologies
Our use of cookies and similar storage or access technologies is described in the Cookie Policy. Where a technology is not strictly necessary and applicable law requires consent, it should not be activated before a valid choice has been obtained. Information about purposes, categories and user controls is set out in that policy.
8. Security
We use proportionate organisational and technical measures designed to protect personal information against unauthorised access, loss, alteration or disclosure. No method of transmission or storage can remove every risk, so we also limit the information requested at the first-contact stage and ask users not to send security credentials through the enquiry form.
9. Changes to this policy
We may update this policy to reflect changes in our services, legal requirements or the way personal information is handled. The date at the top of the page shows when this policy was last updated. Material changes should be communicated in an appropriate way where required.
10. Contact
Privacy questions can be directed to SGB Finance at Ruby House, 8 Ruby Place, Aberdeen, by email at [email protected] or by phone on +33695724985. These contact details are provided as plain text so that you can choose how and when to contact us.