Privacy Policy
Last Updated: May 10, 2026
Introduction
Nebulous Ray is committed to protecting your privacy. This policy explains how we collect, use, and safeguard your personal information when you use our pension planning services.
Information We Collect
Information You Provide
When you request our services, we collect:
- Full name and contact details (email address)
- Information about your pension arrangements
- Financial information relevant to retirement planning
- Employment history and income details
- Any additional information you choose to provide
Information Collected Automatically
When you visit our website, we may collect:
- IP address and browser type
- Pages visited and time spent on site
- Referring website addresses
- Cookie data (see our Cookie Policy for details)
How We Use Your Information
We use your personal information to:
- Provide pension planning and advisory services
- Communicate with you about your requests and consultations
- Analyze and improve our services
- Comply with legal and regulatory obligations
- Send service-related communications
Legal Basis for Processing
We process your personal data based on:
- Contractual necessity: Processing required to provide our services
- Legal obligation: Compliance with financial services regulations
- Legitimate interests: Improving our services and business operations
- Consent: Where you have provided explicit consent for specific processing
Data Sharing and Disclosure
We do not sell your personal information. We may share your data with:
- Service providers: Third parties who assist in delivering our services (e.g., secure document storage, payment processing)
- Professional advisors: Accountants, lawyers, and auditors when necessary
- Regulatory bodies: When required by law or regulation
- Pension providers: With your explicit consent, when executing transfers or consolidations
Data Security
We implement appropriate technical and organizational measures to protect your personal information, including:
- Encrypted data transmission and storage
- Access controls and authentication requirements
- Regular security assessments and updates
- Staff training on data protection
Data Retention
We retain your personal information for as long as necessary to provide services and comply with legal obligations. Financial services regulations require us to retain client records for a minimum of six years after our professional relationship ends.
Your Rights
Under data protection law, you have the right to:
- Access: Request copies of your personal data
- Rectification: Correct inaccurate or incomplete information
- Erasure: Request deletion of your data (subject to legal obligations)
- Restriction: Limit how we use your data
- Portability: Receive your data in a structured format
- Objection: Object to certain types of processing
- Withdraw consent: Where processing is based on consent
Cookies
Our website uses cookies to enhance functionality and analyze site usage. See our Cookie Policy for detailed information.
International Transfers
Your data is primarily stored and processed within the United Kingdom. If we transfer data internationally, we ensure appropriate safeguards are in place.
Changes to This Policy
We may update this privacy policy periodically. Changes will be posted on this page with an updated revision date. Continued use of our services after changes constitutes acceptance of the updated policy.
Contact Us
For questions about this privacy policy or to exercise your rights, contact us at:
Email: [email protected]
Address: 47 Wellington Street, Manchester M12 5PB, United Kingdom
Complaints
If you are not satisfied with how we handle your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection.