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Privacy Policy
TLD Wealth Management Ltd ("we", "us", "our") is committed to protecting your privacy and handling your personal information openly and honestly. This notice explains what personal data we collect about you, how we use it, who we share it with, how long we keep it and the rights you have over it.
We process personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, as amended by the Data (Use and Access) Act 2025.
1. Who we are
TLD Wealth Management Ltd is a company registered in England and Wales (company number 09412791). Our registered office is 30 Great Underbank, Stockport, Cheshire, SK1 1NB.
TLD Wealth Management Ltd is an appointed representative of TPD Wealth Management Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA firm reference number 606559). TLD Wealth Management Ltd is shown on the Financial Services Register under reference 670100.
2. The data controller and how to contact us
TLD Wealth Management Ltd is the controller responsible for the personal data we collect through this website, which means we decide how and why it is processed. (We are a separate company and our own data controller; we are an appointed representative of TPD Wealth Management Ltd for regulatory purposes.)
We are registered with the Information Commissioner's Office (ICO). Our data protection registration number is ZA103819.
If you have any questions about this notice or how we use your personal data, contact us at info@tldwealth.co.uk or by post at the registered office above.
3. The personal data we collect
Depending on how you interact with us, we may collect and use the following categories of personal data:
- Identity and contact details — name, date of birth, home address, email address and telephone number.
- Financial information — income, outgoings, assets, liabilities, employment details, bank account details, credit history and details of your existing mortgages, loans, savings and policies.
- Family and dependants — marital status and details of dependants, where relevant to the advice you ask us to provide.
- Health and medical information — where you ask us to advise on or arrange life cover, critical illness cover, income protection or similar policies, providers require information about your health and medical history in order to assess and underwrite cover. This is special category data and is treated with additional care (see section 6).
- Website and enquiry data — if you complete our contact form we collect your name, email address, telephone number, your area of interest and any message you send us. We also collect limited technical data such as your IP address and information from cookies (see our Cookie Policy).
4. How we collect your personal data
We collect personal data directly from you — when you complete our contact form, request a quote, speak with us, or provide documents during the advice process. We may also receive personal data about you from third parties, such as lenders, product providers, credit reference and fraud prevention agencies, and (with your authority) your accountant, solicitor or employer.
5. How and why we use your personal data, and our lawful basis
We only use your personal data where the law allows us to. The lawful bases we rely on are:
- Performance of a contract (or steps before entering one) — to assess your needs, prepare recommendations, and arrange and administer the mortgage or protection products you ask us to source.
- Compliance with a legal or regulatory obligation — to meet our obligations under FCA rules, anti-money-laundering law, and our duties to HMRC and other authorities.
- Our legitimate interests — to run and administer our business, keep records, improve our services, and (where appropriate) keep you informed about products that may benefit you. We only rely on this where your interests and rights do not override ours.
- Your consent — for certain marketing, and for processing special category (health) data. You can withdraw consent at any time.
6. Special category (health) data
Where we handle health or medical information in connection with protection advice, we do so on the basis of your explicit consent and because the processing is necessary for advising on, arranging and administering an insurance contract. We collect this information only if you proceed to protection advice (not through the website), and we share it only with the providers who need it to assess your application.
7. Marketing
We will only send you marketing communications where you have asked us to or where we are otherwise permitted to. You can ask us to stop at any time by contacting us at info@tldwealth.co.uk or using the unsubscribe link in any marketing email.
8. Who we share your personal data with
We do not sell your personal data. We share it only where necessary to provide our services and meet our obligations, including with:
- TPD Wealth Management Ltd, as our principal firm, for compliance oversight and regulatory purposes.
- Mortgage lenders, insurers and other product providers in order to obtain quotes and arrange the products you ask us to source.
- Technology providers that support the quotation and advice process, including our protection quotation tool (provided by iPipeline / PreQuo) and the mortgage sourcing and case-management software we use.
- Our IT, email and communications providers — including Brevo, which sends and receives our website contact-form messages, and Google, whose map is embedded on our Contact page.
- Credit reference and fraud prevention agencies, where relevant to a mortgage application.
- Our regulators and authorities, including the FCA, the Financial Ombudsman Service, HMRC and the ICO, where we are required to do so.
- Professional advisers such as solicitors and accountants, where you ask us to or authorise us to.
We require everyone who processes personal data on our behalf to protect it and to use it only for the purposes we specify.
9. International transfers
Some of our providers are based outside the UK (for example, Google in the United States). Where personal data is transferred outside the UK, we take steps to ensure it is protected by appropriate safeguards, such as a UK adequacy decision or the International Data Transfer Agreement.
10. How we keep your data secure
We use appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, misuse or alteration, and we limit access to those who need it to do their job.
11. How long we keep your personal data
We keep website enquiry data for up to 24 months after our contact with you ends. Where you become an advice client, we keep the records created during the advice process for longer, in line with our regulatory obligations — generally at least six years after the relationship ends, and longer for certain products. When we no longer need your data, we securely delete or anonymise it.
12. Your rights
Under data protection law you have the right to:
- be informed about how we use your personal data;
- request access to the personal data we hold about you;
- request correction of inaccurate or incomplete data;
- request erasure of your data in certain circumstances;
- request that we restrict our processing in certain circumstances;
- object to our processing where we rely on legitimate interests;
- request the transfer of your data (data portability); and
- withdraw consent at any time where we rely on consent.
To exercise any of these rights, contact us at info@tldwealth.co.uk. We will not usually charge a fee, and we will respond within the time limits set by law.
13. Automated decision-making
We do not make decisions that have a legal or similarly significant effect on you based solely on automated processing. Some lenders and insurers use automated processes, such as credit scoring, as part of their own decision-making; where this happens you have the right to ask them to review the decision.
14. Children
Our website is not intended for children and we do not knowingly collect personal data from children through it. We ask that children do not submit personal data to us via the website.
15. Cookies
Our website uses cookies and similar technologies. For details of what we use and how to manage your preferences, please see our Cookie Policy.
16. Changes to this privacy policy
We may update this notice from time to time. Any changes will be posted on this page with a revised "last updated" date.
17. How to complain
If you have a concern about how we have handled your personal data, please contact us first at info@tldwealth.co.uk so we can put things right. We will acknowledge your complaint within 30 days.
You also have the right to complain to the Information Commissioner's Office (ICO), the UK regulator for data protection:
Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF. Helpline: 0303 123 1113. Website: ico.org.uk.
We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please do contact us in the first instance.