Privacy Notice (Last updated September 2020)



We are committed to protecting your personal information and ensuring that it is used fairly and responsibly. This Notice explains how we use any personal information we collect about you. 


General Data Protection Regulation (GDPR)

Unusual Risks is a registered Data Controller under the GDPR 2018; registration number Z5380737 Our registration can be found via the Information Commissioner’s website. 


Why we need to collect and use your personal data

The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we’d also be unable to fulfil our legal and regulatory obligations. 


What information do we collect and how is it used? 

We collect information about you when you engage us for financial planning or mortgage advice, this information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health if this is necessary for the provision of our services. Information you provide to us to enable us to make appropriate investment recommendations may include: 

Ø Name, address, date of birth, National Insurance number, email address, health details if required, personal details of your family members if provided. 

Ø Where you are a corporate customer, details about your staff (including, where applicable, their family members), and may include information obtained from third parties. 

Ø Where you are a trustee of a trust, the details of all trustees and other beneficial owners, settlors and protectors as we deem appropriate. 

Ø Non-personal data may include your assets, your income and expenditure details and your portfolio details, including investments and plans.

Who might we share your information with?

To effectively deliver our services to you we may send your details to third parties such as those that we engage for professional compliance, accountancy or legal services as well as product and platform providers that we use to arrange financial products for you.

Where it’s necessary for your personal data to be forwarded to a third party we’ll use appropriate security measures to protect your data in transit. Where we can, we will use secure portals. We will also employ encryption and in some cases secure folders. We may disclose your information to future owners of our business or where we are required by law to do so.

Except for the above provisions, we will not pass your details to any other third party, without your express permission

You can access the information we hold about you

You have the right to request a copy of the personal information we hold about you. 

You can make a request to us at any time in writing or by email, details below. 

When your personal data is processed by automated means you have the right to ask us to move it to another organisation for their use. 

If you believe that any information we are holding about you is incorrect or incomplete, please write to or email us as soon as possible. We will promptly correct any information found to be incorrect.


How long will we keep your information?

In principle, your personal data shouldn’t be held for longer than is required under the terms of our contract for services with you. However, we’re subject to regulatory requirements to retain data for specified minimum periods. We also reserve the right to retain data for longer than this due to the possibility that it may be required to defend a future claim against us. In any case, we’ll not retain your personal data for longer than 5 years past the time of your death. 


Can you ask for your data to be deleted? 

You have the right to request deletion of your personal data. We’ll comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above. 


Visitors to our website 

We use a third-party service, Google Analytics, to collet standard internet log information and details of visitor behaviour patterns. We do this to find out things such as the number of visitors to the various pages of the website. The information is only processed in a way which does not identify anyone. 


Other Websites

Our website contains links to other websites. Please be aware that when you link to other websites you should read the privacy policies for those websites. We are not responsible for the privacy policy or practices of third party websites.


What are cookies? 

Cookies are small text files sent by a web servicer to an internet user’s computer when the user accesses the website. There are basically two types of cookie, session and persistent. 

Session cookies are used to maintain the state of the connection between the web server and the user’s computer, so that once a user is logged in they can move between the web pages on the same website without having to keep logging in. These are deleted at the end of the browsing session. 

Persistent cookies are stored on the hard disk of the internet user’s computer, unless the user has configured the web browser not to accept cookies. Persistent cookies can be used for authenticating users and maintaining specific information about users, such as site preferences, and to provider the website owner with information about how users use their site. 

Third party cookies are where another website domain specifies a cookie and places it on your computer for the website you are viewing. 


Consent to the use of cookies 

Unusual Risks do not use cookies in an intrusive manner; all cookies that are used on the Unusual Risks website are purely for functional and operational purposes. 

How do I change my cookie settings? A full explanation of cookies, how they can be controlled and delated with different browsers can be found at https://www.allaboutcookies.or or Please note that disabling all cookies may prevent you from accessing some websites. What you can do if you are unhappy with how your personal data is processed You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire. SK9 5AF 


How to contact us

If you have any questions about this privacy policy or our treatment of your personal information please write to us by email to


Authorised and regulated by The Financial Conduct Authority. We do not charge fees for arranging Life Insurance, Life Assurance, Income Protection or Critical Illness Cover products. Most product provider remunerate financial advisers in the form of commissions. 

Please note most Buy to Let mortgages are not regulated by The Financial Conduct Authority. Fees will apply for mortgage advice. We charge a set fee of between £1295 and £1495 payable on application, dependent on the amount of work involved, the type of mortgage you are applying for and any commission we receive from the lender on completion of your mortgage. Please contact us for a specific quotation. Our Complaint Handling procedures are available on request. If you have reasons to raise a concern please contact us on 0845 474 3075 or by email . If we are unable to resolve an issue to your satisfaction, you may be able to refer the matter to the Financial Ombudsman Service. More information is available on request or by visiting You can read our privacy policy by clicking here.